davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-12
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. (NC)

I am writing to express my concerns regarding the practices and adherence to regulations and laws by the credit reporting agencies. Upon reviewing my credit reports, I have identified several alarming issues that require your immediate attention and clarification. 

First and foremost, I was under the impression that transactions and remarks should not be reported on credit reports. However, I have noticed that my reports include numerous transactions and remarks. This is contrary to my understanding of the reporting guidelines and raises concerns about the accuracy and appropriateness of the information being reported. 

Secondly, I believe that credit reporting agencies have a responsibility to be fair, impartial, and to respect consumers ' rights to privacy. Despite this, I have found that my personal information, such as my employer and phone number, is accessible to other companies and used for promotional inquiries. This widespread availability of my personal information is deeply concerning and appears to violate my privacy rights. 

Additionally, I was under the impression that my credit report should be managed in accordance with my written instructions. However, when I requested the removal of certain personal information and transactions, I was advised that it could not be done. This response is perplexing and seems to contradict the principle that consumers should have control over their own information. 

Furthermore, I have never received a comprehensive report detailing the procedures and findings of investigations following my disputes. It is my understanding that the outcomes of such investigations should be disclosed to consumers, ensuring transparency and accountability. The lack of detailed information about how disputes are handled and resolved undermines my confidence in the accuracy and fairness of the process. 

I find it hard to believe that an investigation can be deemed complete and the report updated without providing evidence and proof of the actions taken. Such a practice does not seem sufficient to substantiate the accuracy of the information being reported, especially in light of the allegations I have brought forth. 

In light of these concerns, I kindly request a thorough review of my credit reports and an explanation of the following : Why are transactions and remarks being reported on my credit reports? 
How is my personal information being protected and why is it accessible for promotional inquiries? 
Why are my requests for the removal of certain information being denied? 
Why am I not receiving detailed reports on the investigations following my disputes? 
I trust that you will address these concerns promptly and ensure that your practices are in full compliance with the relevant regulations and laws. I look forward to your prompt response and resolution of these issues.
Consumer complaint received 2024-07-12
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. (FL)

Consumer Reporting Agencies have assumed a vital role in assembling and evaluating consumer credit while knowing there is a need to insure they exercise their grave responsibilities with fairness, impartiality, and a RESPECT for the consumers RIGHT TO PRIVACY. 
The banking system is dependent upon fair and accurate credit reporting, and these unfair credit reporting methods undermine my public confidence which is essential to the banking system. 
I never gave my expressed, written consent for these consumer reporting agencies to report my information, which violated 15 U.S. Code 1681b ( 2 ) and this leads to an alleged identity theft, which is a violation of 15 U.S. Code 1681c-2. These accounts are not related to any transactions made by me, the consumer.
Consumer complaint received 2024-08-02
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. (TX)

I AM A NATURAL PERSON, I AM A LIVING HUMAN BEING. I HAVE RIGHTS UNDER 15 USC 1681. EXPERIAN IS GOVERN BY 15 USC 1681. AND THEY VIOLATED MY RIGHTS NUMEROUS OF TIMES. I DEMAND THE ACCOUNTS LISTED BELOW BE REMOVED BECAUSE : ACCORDING TO 15 USC 1681 : I HAVE RIGHT TO PRIVACY AND I DID NOT GIVE EXPERIAN WRITTEN PERMISSION TO FURNISH THESE ACCOUNTS LISTED : XX/XX/year> XXXX XX/XX/year> XXXX XXXX XXXXXXXX
Consumer complaint received 2023-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my Federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX : Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX : Account # XXXX violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-10-31
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)

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT.

XX/XX/XXXX
Consumer complaint received 2024-07-31
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: EQUIFAX, INC. (NJ)

I looked at my XXXX credit report on XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-09-27
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. (LA)

Consumer Name : XXXX XXXX XXXX XXXX : XX/XX/year> XXXX XXXX  : XXXX Contents of this complaint : This CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ) that you, the XXXX XXXX XXXX XXXX XXXX block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of list accounts a personal loan or loans, a credit card or credit cards, and any other accounts from XXXX XXXX  with a balance of {$29000.00}, XXXX XXXX  with a balance of {$210.00}, XXXX XXXX with a balance of {$470.00}, XXXX with a balance of $ XXXX accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report that is being maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX from FTC report ] as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2023-09-05
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

On XX/XX/2023 I found fraudulent activity in my capital one Walmart credit card. Someone tried to transfer money as cash advances via XXXX and XXXX. XXXX denied but XXXX accepted. I reported immediately to Capital one fraud department.
Consumer complaint received 2024-07-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

My account with ( XXXX XXXX, XXXX ) was never late! I have had exceptional payment history witH XXXX XXXXXXXX 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 ( MONTHS REPORTING LATE ) 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. 


( XXXX XXXX, 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
Consumer complaint received 2024-08-02
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)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  Balance Owed : {$2800.00} XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$870.00} XXXX XXXX Balance Owed : {$870.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

Hi, my name is XXXX XXXX, and my XXXX is XX/XX/year> Address XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX$880.00} Im writing because I have been financially and credit wise violated and victimized and not heard or cared about, I am an identity theft victim and fraud victim along with, I have been in over 10 security breaches and my info has been exposed.

I have an Active Alert on my credit reports to call my number XXXX before opening any accounts. Its been on my report over the last 10 yrs. MY RIGHTS WAS VIOLATED and not followed through. 

This company has failed me and opened an account that is not mine and I never Authorized it, this company has no signature of mine on file, this company as no contract or agreement from me, this company has no copy of my ID. This company also charged off & sold a fraud account. 

When I had to write to the company and have them close the fraud account, they lied and put they closed out the account and then, destroyed my credit for yrs I been battling this. When I had to get the law involved, they then sold my account illegally. 

The company was paid by the people who purchased the account illegally and then they violated my rights by not sending me a letter or formal letter of any kind stating they purchased a fraud account. 

The company also reset the dates on the fraud account illegally because I been fighting it for years to get my identity back, the company has violated my rights as a United states citizen and has violated fair credit reporting. 

The company has called next door neighbors and friends and family stating, I have a court case and giving out case ID numbers pretending to be court clerks when in fact they are collection agencies. 

I WANT THIS ACCOUNT TO BE PERMANTLY DELETED FROM MY CREDIT PROFILE AND MY CREDIT POINTS TO BE RESTORED. I DONT WANT THE GENIC WORDS OF CONSUMER DOES NOT AGREE. BECAUSE THAT IS NOT HELPING WHEN I AM A VICTIM.
Consumer complaint received 2024-09-27
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 am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, 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 thorough 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 so that I may 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 2024-07-12
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. (CA)

Formal Complaint for Failure to Conduct a Proper Investigation and Request for Re-Investigation Dear CFPB Representative, I am writing to formally lodge a complaint regarding the failure of the credit bureaus to conduct a proper investigation of the disputed accounts on my credit report. This complaint pertains to the lack of adherence to the Fair Credit Reporting Act ( FCRA ) by the credit bureaus in question. 

On XX/XX/year>, I submitted a dispute regarding the following accounts : I completely disagree with the response from your investigation. The following incorrect items, which I have listed below, still remain on my credit report even after your investigation. I request that you re-investigate these items immediately and provide a valid reason for them. These inaccuracies are causing significant harm to my credit rating. 


1. The following information is outdated. I would like it removed from my credit history report XXXX Account XXXX : XXXX Please supply information on how you have verified this item. 
2. Validate Account XXXXXXXX XXXX  Account Number : XXXX Please investigate and delete from my credit report. 
3. Other information I would like changed XXXX XXXX XXXX XXXX  Account Number : XXXX Please remove this inaccurate information from my credit report. 
4. This is the wrong creditor for this item XXXX XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 

The credit bureaus responded with a stall letter and simply verified the accounts without conducting a thorough investigation as required under the FCRA. I am formally requesting the method of verification and specific details on how the verification was conducted, including the names and contact information of individuals involved in the process. 

The response from the credit bureaus constitutes a violation of their obligation under the FCRA to conduct a proper investigation. As such, I am requesting a re-investigation of the disputed accounts. The FCRA mandates that credit bureaus investigate disputed information and provide a detailed response regarding their findings. Failure to do so is a clear violation of my rights under the FCRA. 

If the credit bureaus ignore this request or fail to conduct a proper re-investigation, they will be in further violation of the FCRA, and I will seek appropriate remedies and compensation for these violations. 

I expect prompt and thorough action on this matter. Please ensure that the credit bureaus fulfill their legal obligations and provide the necessary documentation and details regarding the investigation of my disputes. 

Thank you for your attention to this matter. I look forward to your prompt response and resolution of this issue.
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NC)

You are in violation of 15 USC 1681s- ( 2 ) ( B ) and 15 USC 1681s- ( 2 ) ( E ) Responsibilities of furnishers of information to consumer reporting agencies. A furnisher has a " ( 2 ) Duty to correct and update information '' " A person who ( B ) has furnished to a consumer reporting agency information that the person determines is not complete or accurate, shall promptly notify the consumer reporting agency of that determination and provide to the agency any corrections to that information, or any additional information, that is necessary to make the information provided by the person to the agency complete and accurate, and shall not thereafter furnish to the agency any of the information that remains not complete or accurate '' You have failed to conduct a reasonable investigation within a timely matter and notify me of the results according to 15 USC 1681s ( 2 ) ( E ) Duty of person after receiving notice of dispute. " After receiving a notice of dispute from a consumer pursuant to subparagraph ( D ), the person that provided the information in dispute to a consumer reporting agency shall ( i ) conduct an investigation with respect to the disputed information ; ( ii ) review all relevant information provided by the consumer with the notice ; ( iii ) complete such persons investigation of the dispute and report the results of the investigation to the consumer before the expiration of the period under section 1681i ( a ) ( 1 ) of this title within which a consumer reporting agency would be required to complete its action if the consumer had elected to dispute the information under that section; and ( iv ) if the investigation finds that the information reported was inaccurate, promptly notify each consumer reporting agency to which the person furnished the inaccurate information of that determination and provide to the agency any correction to that information that is necessary to make the information provided by the person accurate. 

Please see the attached disputes sent over the last few months.
Consumer complaint received 2023-03-29
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. (CA)

My name is 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 reportsno consent is fraud. Please delete the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA, XXXX
Consumer complaint received 2024-07-12
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. (OH)

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.