davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

RE : XXXX  BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of XXXX. The information listed below, that is currently listed on my credit report is a result of that XXXX. Listed below are the Personal Information that are being challenged Employer - XXXX XXXX XXXX XXXX XXXX Incorrect DOB : - XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX, XXXX, GA, XXXX Incorrect Name : - XXXX L XXXX Listed below are the Accounts that are being challenged XXXX - XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XXXX Listed below are the Inquiries that are being challenged XXXX - XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX - XXXX XXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN XXXX BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF TRAFFICKING IN PERSONS OR XXXX XXXX XXXX. IF THE CONSUMER HAS PROVIDED XXXX  DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. XXXX ] XXXX XXXXXXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF XXXX  XXXX  ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!
Consumer complaint received 2024-07-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

I am writing to formally request detailed verification and documentation regarding the investigation process for a disputed account on my credit report. This dispute was submitted to Experian on XX/XX/2024, and was marked as verified on XX/XX/2024. Additionally, I request the immediate removal of this inaccurately reported account based on the Fair Credit Reporting Act ( FCRA ) Sections 611, 611 ( a ) ( 5 ), and 623 ( b ), Section 501.204 of the Florida Deceptive and Unfair Trade Practices Act ( XXXX ), and the Truth in Lending Act ( TILA ) 15 U.S.C. 1601. 
Disputed Account Information : Account Name : XXXX XXXX Report number :XXXX - **Section 611** : Under Section 611, I have the right to dispute inaccurate or incomplete information on my credit report and to request a thorough reinvestigation. 

**Section 611 ( a ) ( 5 ) ** : If the disputed information is found to be inaccurate, incomplete, or unverifiable, it must be corrected or deleted promptly. 

- **Section 623 ( b ) ** : Furnishers of information are required to investigate the completeness and accuracy of the information provided and to correct any errors found. 

2. **Florida Deceptive and Unfair Trade Practices Act ( FDUTPA ) - Section 501.204** : - The reporting of inaccurate information may constitute deceptive and unfair trade practices under FDUTPA. Fair and transparent business practices must be maintained to prevent consumer harm. 

3. **Truth in Lending Act ( TILA ) - 15 U.S.C. 1601** : Truth in Lending Act ( TILA Section 1601 ) : Section 1601 of the U.S. Code ( 15 U.S.C. 1601 ) is part of the Truth in Lending Act ( TILA ), which requires the provision of accurate and transparent information in the terms and conditions of credit. This regulation reinforces my right to accurate and truthful reporting of my credit information *Dodd-Frank Wall Street Reform and Consumer Protection Act : * - *Section 1031 ( 12 U.S.C. 5531 ) : * The Consumer Financial Protection Bureau ( CFPB ) has the authority to prevent abusive practices by credit reporting agencies. 
- *Section 1036 ( 12 U.S.C. 5536 ) : * Prohibits unfair, deceptive, or abusive acts in relation to consumer financial products or services, which includes the obligation to correct inaccurate credit information
Consumer complaint received 2024-07-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (DE)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :
Consumer complaint received 2024-07-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (FL)

I am writing to request detailed verification and documentation regarding the investigation process for a disputed bankruptcy on my credit report. This dispute was submitted to Experian on XX/XX/XXXX, and was marked as verified on XX/XX/XXXX. I am seeking verification in accordance with Section 611 of the Fair Credit Reporting Act ( FCRA ) and Section 501.204 of the Florida Deceptive and Unfair Trade Practices Act ( FDUTPA ). 
Disputed Bankruptcy Information : Bankruptcy Case NumberXXXX XXXX XXXXXXXX Filing Date** : [ Filing Date ] : XX/XX/XXXX Report Number : XXXX Fair Credit Reporting Act ( FCRA ) - Section 611** : Under Section 611 of the FCRA, I have the right to request and receive a detailed explanation and documentation of the procedures used during the reinvestigation of my dispute. This includes the sources of the information that were used to verify the accuracy of the disputed bankruptcy. 
Florida Deceptive and Unfair Trade Practices Act ( FDUTPA ) - Section 501.204** : Under Section 501.204 of the FDUTPA, I am entitled to fair and transparent business practices. The verification process conducted by Experian must comply with these standards to ensure that no deceptive or unfair practices were employed during the investigation.
Consumer complaint received 2024-07-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

PLEASE BLOCKED AND REMOVED I want to stress that I did not authorize these accounts, and their existence is causing me significant distress. I respectfully request that you prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report. Your immediate attention and resolution of this matter are highly valued.
Consumer complaint received 2023-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

I had an auto loan with XXXX XXXX XXXX XXXX, and my vehicle was stolen. A police report was filed, and the vehicle was recovered with significant damage, including a swapped VIN and replaced body parts. The car was subsequently auctioned off. According to my understanding of the FCRA, when a repossessed vehicle is sold, the remaining balance I owe should reflect the amount it was sold for. However, my credit report still shows an incorrect balance.
Consumer complaint received 2022-11-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

espite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the credit bureaus ; but I never received a response from them. These items must be investigated and deleted in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXXXXXX XXXX XX/XX/2020 XXXX  XXXX
Consumer complaint received 2024-07-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (OH)

I XXXX XXXX did not authorize the following companies below to pull my credit. 
Each company is in violation of my rights as a consumer and I have tried to get these taking care of months ago with no headway XXXX XXXX XXXX XXXX XXXX XXXX Important dates XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
I am in the process of renting a building and the information that is being shown is holding up the process. According to the provisions of the Fair Credit Reporting Act 604,611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 30 days. During the investigation period, the item I am disputing must be removed from my credit report.
Consumer complaint received 2024-07-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

I discovered several addresses that do not belong to me on my credit report, including XXXX XXXX  XXXX XXXX XXXX, GA XXXX. I have listed the names and also the account listed on my credit reports that I have added to the FTC report that Does Not Belong to me as well.
Consumer complaint received 2024-07-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (PA)

I am writing to express my deep concern regarding several disputed accounts on my credit report. Despite multiple attempts to address these inaccuracies and request thorough investigations, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file, hindering my ability to lead a normal life, and causing immense hardships. 

The negative impact of these inaccuracies has been profound, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a comprehensive investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. 

With your help, I hope to restore the accuracy and integrity of my credit file, allowing me to regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. 

Thank you in advance for your understanding and assistance.
Consumer complaint received 2024-07-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

I am writing to formally request detailed verification and documentation regarding the investigation process for a disputed account on my credit report. This dispute was submitted to Experian on XX/XX/year>, and was marked as verified on XX/XX/year>. Additionally, I request the immediate removal of this inaccurately reported account based on the Fair Credit Reporting Act ( FCRA ) Sections 611, 611 ( a ) ( 5 ), and 623 ( b ), Section 501.204 of the Florida Deceptive and Unfair Trade Practices Act ( FDUTPA ), and the Truth in Lending Act ( TILA ) 15 U.S.C. 1601.

Disputed Account Information : Account Name : XXXX XXXXXXXX Report number XXXX - **Section 611XXXX : Under Section 611, I have the right to dispute inaccurate or incomplete information on my credit report and to request a thorough reinvestigation.

**Section 611 ( a ) ( 5 ) ** : If the disputed information is found to be inaccurate, incomplete, or unverifiable, it must be corrected or deleted promptly.

- **Section 623 ( b ) ** : Furnishers of information are required to investigate the completeness and accuracy of the information provided and to correct any errors found.

2. **Florida Deceptive and Unfair Trade Practices Act ( FDUTPA ) - Section 501.204** : - The reporting of inaccurate information may constitute deceptive and unfair trade practices under FDUTPA. Fair and transparent business practices must be maintained to prevent consumer harm.

3. **Truth in Lending Act ( TILA ) - 15 U.S.C. 1601** : Truth in Lending Act ( TILA Section 1601 ) : Section 1601 of the U.S. Code ( 15 U.S.C. 1601 ) is part of the Truth in Lending Act ( TILA ), which requires the provision of accurate and transparent information in the terms and conditions of credit. This regulation reinforces my right to accurate and truthful reporting of my credit information.
Consumer complaint received 2024-07-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2024-07-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

My consumer report contains accounts linked to identity theft, which I never authorized with a written signature. Following my recent communication, I formally request immediate blocking and removal of these accounts from my report. Their presence has caused significant distress and misrepresents my credit history. If not addressed properly, I'm prepared for legal action. These fraudulent entries have impeded important financial goals, including home purchase and family needs.
Consumer complaint received 2024-07-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

I'm writing about fraudulent personal information linked to my identity. Accounts and transactions have been wrongly attributed to me without my awareness or approval, causing significant distress. As an identity theft victim, I've reported this incident. This situation needs urgent addressing due to its negative impact on my finances and reputation. I request your help in swiftly removing all fraudulent information from my credit report and thoroughly investigating this matter. I'm prepared to provide necessary evidence and, if needed, take legal steps to defend my rights and seek compensation.
Consumer complaint received 2024-07-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (PA)

To whom this may concern, my name is XXXX XXXX XXXX, and I am writing this statement on my behalf. Per 15 USC Code 1681S-2 ( a ) ( 1 ) ( a ( & ( c ) and 15 USC Code 1681-B of the Federal Credit Reporting Act ( FCRA ) the accounts listed in this report should not be reflected on my credit reports as they violate my rights as a federally protected consumer. Per the US Codes provided, they summarize that it is NON-PERMISSIBLE for a consumer to report anything under any circumstances, without my written consent or instructions to do so. No consent constitutes identity theft. As a federally protected consumer, I am demanding the deletion and removal of ALL the listed accounts immediately.
Consumer complaint received 2024-07-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure
Consumer complaint received 2023-07-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (OK)

in accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and have violated my rights XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX In violation of : 1 5 U.S.C 1681 section 602 A. States I have the right to privacy... THESE COMPANIES ARE NOT TO VIOLATE THAT ESPECIALLL WHEN THERE ARE SECURITY CONCERNS AND A SECURITT FREEZE ON MY CREDIT. 1 5 U.S.C 1 681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not
Consumer complaint received 2023-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (DE)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-07-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

I'm submitting this complaint regarding late payments on my credit record. Upon reviewing my records, I discovered these late payments. I sent inquiries over 30 days ago but have received no response or adequate validation. I'm seeking your help to resolve this issue quickly and effectively.
Consumer complaint received 2023-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CL Holdings LLC (IL)

On XX/XX/2023 I disputed the following account Jefferson Capital Systems ( XXXX ), ( XXXX ), I requested that XXXX do a in depth investigation of this account reporting as the account details are not reporting accurately. I also requested that this company delete the inaccurate information reporting from my consumer report within 30 days! This company has failed to provide any proof of contract with a valid my signature contracting an agreement between myself and Jefferson Capital Systems XXXX would like for this account to be removed immediately as it is affecting my privacy.
Consumer complaint received 2024-08-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

My account with XXXXXXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in those account to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXXXXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports