davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NC)

I am writing to formally lodge a complaint against XXXX for furnishing information to credit reporting agencies without my consent. I believe this action is in violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 6802 ( b ).

Recently, I discovered that FNCC has furnished my personal and financial information to the credit reporting agencies without obtaining my consent. This unauthorized sharing of information has negatively impacted my credit report and privacy.

Relevant Law : 15 U.S.C. 6802 ( b ) : " Opt-out '' Requirements : This section of the FCRA requires financial institutions to provide customers with an opportunity to opt out of the sharing of their information with non-affiliated third parties. XXXX did not provide me with this opportunity, nor did I give any consent for my information to be shared. 

XXXX has shared my personal and financial information with credit reporting agencies without my explicit consent, violating 15 U.S.C. 6802 ( b ).

Lack of Opt-Out Opportunity : I was not given the required opportunity to opt out of having my information shared with non-affiliated third parties.
Consumer complaint received 2024-07-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NV)

Recently I looked at a copy of credit report and notice several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate this item for me to ensure accuracy. - XXXX XXXX # XXXX
Consumer complaint received 2024-07-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NV)

Recently I looked at a copy of credit report and notice several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate this item for me to ensure accuracy. XXXX XXXX Partial Acct # XXXX
Consumer complaint received 2023-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.
Consumer complaint received 2024-07-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (KY)

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days To following information on my credit report is the result of identity theft and should be blocked : accounts number ; XXXX  BALANCE XXXXXXXX XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information sheeld be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and XXXX has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, so I require you to send me all the documentation to prove that this information is accurate. I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Consumer complaint received 2024-07-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NV)

Recently I looked at a copy of credit report and notice several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate this item for me to ensure accuracy. Here is the item that I am asking you to verify as accurateXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (VA)

Date : XX/XX/2024 To whom it may concern, I am writing to request an investigation of the following information on my credit report, that was Previously removed and got re added back by you guys, however the other credit reporting agencies have removed them The charge-off of an obligation with ; XXXX is not mine ; I am not responsible of this account, The charge-off of an obligation with ; XXXX XXXX XXXXXXXX is not mine ; I am not responsible of this account, The Collections with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are not mine ; I am not responsible of those accounts, I am a victim of ID theft. People have use my information to open them and also make fraudulent activities. 


To further support my claim, I have attached documentation including : the police report from the identity theft complaint, Also my Driver license to verify identity Please let me know if any additional information is necessary to remove the charge-off from your records. I appreciate your assistance. 



Sincerely, XXXX XXXX XXXX XXXX : XXXX
Consumer complaint received 2024-07-13
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. (FL)

To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway Company or Organization : XXXX XXXX Date fraud began :XXXX Date that I discovered XXXX Total fraudulent amount : {$500.00} Company or Organization : XXXX XXXX XXXX Date fraud began:XXXX Date that I discovered XXXX Total fraudulent amount : {$5300.00} Company or Organization : XXXX XXXX XXXX Date fraud began : XX/XX/year> Date that I discovered it:XXXX Total fraudulent amount : {$320.00} Company or Organization : XXXX XXXX XXXX Date fraud began:XXXXXXXX Date that I discovered it:XXXX Total fraudulent amount : {$220.00} Pursuant to 18 usc 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15usc 1681b 2 company has also no permission to report Anything using my info pursuant to 15usc 1681 4
Consumer complaint received 2024-07-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NV)

Recently I looked at a copy of credit report and notice several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate this item for me to ensure accuracy. XXXX XXXX Partial Acct # XXXX...
Consumer complaint received 2023-07-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc. (NY)

These companies broke the law and violated 15 USC 1681 ( a ) ( 1 ) & 15 USC 1681 ( e ) maximum accuracy compliance and procedure they hired XXXX, XXXX, and XXXX who are furnishing inaccurate and unverified information on my consumer report. Proof of inaccuracies is attached CREDIT COLLECTION SERVIC  Last reported XX/XX/2023 {$320.00} Open balance XXXXXXXX XXXX Original creditor XXXX & XXXX Last reported XX/XX/2023 {$250.00} Open balance XXXXXXXX XXXX  Original creditor This is making me lose confidence in the banking system due to these violations. I the consumer does not grant XXXX, XXXX, or XXXX the permission to furnish these inaccurate reports I demand that they delete this account from my consumer report. in accordance with the fair credit reporting act XXXX XXXXXXXX, XXXX, and XXXX has violated my rights. 15 USC 1681 section 602 A. States I have right to privacy 15 USC 1681 section 602 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2024-07-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (VA)

I noticed that you are reporting this account incorrectly " There should be no balance, past due or monthly payment on an account no longer owned by original company, this account was transfer/sold ; DELETE IMMEDIATELY '' Here are the specific items in contention : XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX I will also provide proof of the violations According to the FCRA you must report this account as accurate, complete, and verifiable as we both know. Please confirm that you have verified this account and that it is up to FCRA standards. Please do not send a stall letter as I have stated a direct response of what needs to be done on my account or it needs to be removed immediately from my account. And I am keeping CAREFUL record of your actions. Failure to respond satisfactorily within legal time frame of RECEIPT of this CERTIFIED letter will result in a small claims action against your company. I will be seeking {$5000.00} in damages for : 1. ) Defamation 2. ) Negligent Enablement Of Identity Fraud 3. ) Violation Of The Fair Credit Reporting Act You will be REQUIRED to appear in a court venue local to me, in order to formally defend yourself. 

P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via the better business bureau along with an online public press release, including documentation of any potential small claims action.
Consumer complaint received 2024-07-13
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. (PR)

This account not reflecting the date of first delinquency illegally being changed ( should reflect the month of the first delinquent ). This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account property and you neglect has violated my rights. I am demanding a deletion of the following acount : EXPERIAN : XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NJ)

XXXX closed my credit card after 90days of missed payments then proceeded to continue to charge the credit card interest and fees for 6 months after closure. My limit on the card was {$7500.00} which had not been exceeded before the company closed the account. After closing the account, an additional {$3000.00} dollars in interest and fees was applied to the outstanding balance and reported to the credit bureau as the amount owed. They also reported this amount on my spouses credit report when her name is not included on the account. I am going to seek legal action against XXXX XXXXXXXX as after calling them multiple times, the customer service folks laughed in my face.
Consumer complaint received 2024-07-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (LA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX The listed inquires and credit card accounts are fraudulent and must be removed from my credit report immediately.
Consumer complaint received 2024-07-13
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 was reviewing a copy of my credit report and notice there where some late payments on my account that are inaccurate Payment dates follow XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

I am writing to dispute incorrect personal information on my credit report. The addresses 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  ] listed do not belong to me. Non mailable address. Please investigate these inaccuracies and remove them from my record. 

Enclosed are copies of my identification and proof of residence for your reference.
Consumer complaint received 2024-07-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (KY)

Please remove the following Fraudulent hard inquiries from my credit report : The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 
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 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 XXXX
Consumer complaint received 2024-07-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NC)

I make the following claim to request the elimination of the following events that were published in my credit reports without my authorization and that impactfully affects the acquisition of assets and benefits for my family and myself. 
Experian, 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 2023-07-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Capital One is reporting to all 3 major credit reporting agencies. ie ; XXXX, XXXX and XXXX, that I owe a balance of {$670.00}. The debt was sold to XXXX XXXX XXXX. I resolved the debt with XXXX XXXX XXXX, however Capital One is still reporting a balance of {$670.00} when the balance reported should be {$0.00}. 

I have contacted Capital One several times. I have talked to XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX since XX/XX/2023, all 3 promising a removal and a balance of {$0.00} and nothing has been done since then. Also all 3 people promised a call back and email response within 72 hours and none of them delivered on this promise.
Consumer complaint received 2024-07-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (PA)

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the EXPERIAN credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of addresses that I have never lived at before. 

These addresses were used to open accounts in my name : XXXX XXXX XXXX, XXXX, XXXX, NY. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MO. XXXX These are the accounts in my name that stems from the identity theft : XXXX XXXX. Opened XXXX XXXX, XXXX {$12000.00} XXXX XXXX. OPENED XXXX XXXX, XXXX {$8500.00} A copy of an FTC report listing the ACCOUNTS opened in my name is enclosed. My consumer FICO credit report now contains multiple fake addresses as a result of these accounts. A copy of your consumer FICO credit report, which includes the aforementioned bogus addresses. The aforementioned addresses, as reported, are unfamiliar to me. I never began using the aforementioned addresses that are listed on my consumer credit record that you maintain. The addresses listed above are all the product of fraud and identity theft. I've included a copy of the FTC Identity Theft Criminal Complaint XXXX XXXX XXXXXXXX ) as official documentation from the US Federal Trade Commission demonstrating that the addresses listed above are all the product of fraud and identity theft.
Consumer complaint received 2024-07-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NV)

Recently I looked at a copy of credit report and notice several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate this item for me to ensure accuracy. Here is the item that I am asking you to verify as accurate. XXXX XXXX XXXX Partial Acct # XXXX
Consumer complaint received 2024-03-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I have attempted several times to remove information from my credit report with TransUnion that is a result of identity theft. XXXX placed an account that was opened identity theft into collections. The collection company, XXXX XXXX, of XXXX XXXX, MN added this to my credit report with TransUnion. This information is false and despite my submiting of all information requested by TransUnion, including a police report detailing the identity theft, they have declined my dispute efforts and this damaging information continues to appear on my credit report.
Consumer complaint received 2024-02-29
Product: Prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

I am writing to bring your attention to a matter of significant concern regarding Bank of America 's misrepresentation of the status of my closed account with them. 

In previous complaints, Bank of America falsely claimed that the Department of Labor in the State of Maryland had 'froze " my closed account, which I had used to receive pandemic unemployment insurance. This misinformation has led to unnecessary distress and complications. After thorough discussions with three sworn state representatives in Maryland, it has been conclusively determined that the Department of Labor has not taken any adverse action on my account in XXXX  or at any time since I started receiving unemployment insurance. 

Despite filing multiple complaints with the bank, I have encountered instances where I was either discouraged or outright prohibited by bank representatives from addressing these issues. This situation is deeply troubling, and I am seeking your intervention to rectify this matter promptly. 

I kindly request your esteemed agency to conduct a thorough review of all communications between myself and Bank of America from XX/XX/2024 until the date of filing this complaint on XX/XX/2024. Your prompt attention to this matter is crucial in ensuring fairness and justice.
Consumer complaint received 2024-04-20
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Zions Debt Holdings (AE)

Zions says they bought my debt from XXXX. I owe XXXX {$550.00}. I sold my house and the new owner was supposed to take over the account. There is a {$550.00} balance remaining. I tried to pay but XXXX said it was with XXXX. They did verify that I owe {$550.00}. 

2 years later I get calls/messages from Zions. I am no longer in the US and they failed to honor the time difference. They failed to mail me any information so I assumed it was a scam. NOW it's on my credit report as a collection for {$1200.00}! I contacted XXXX they refuse to remove it. I even gave XXXX the information from XXXX. They still refuse to remove it. 

How can Zions just put a collections on my report without mailing me any proof, and without explaining how the amount went from XXXX to XXXX?? 

I contacted XXXX again. They said they have no record of Zions and I only owe {$550.00}. I have a copy of that transcript/conversation. Yes, sent that to XXXX too. I tried reaching out to Zions, I can't reach anyone. 

So now my credit report shows XXXX {$550.00} and Zions Collections {$1200.00}