davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-31
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. (VA)

It is with deep concern that I bring to your attention a violation of my federally protected consumer rights to privacy and confidentiality under the Fair Credit Reporting Policy, 15 USC 1681a ( 2 ) ( 1 ). This violation is in accordance with the Fair Credit Reporting Act, as evidenced by the list of accounts below. Consumer ( individual ), person ( company ) transaction ( payment history ), and experiences ( utilization ) should NOT appear on a consumer 's credit report. 
As a consumer, I request that the below accounts be changed to OK or PAID AS AGREED. I also request that the history of the account with late payment statements be removed from my report, NOT the account itself. 

The account names are as follows : ALL ACCOUNTS WITH LATE PAYMENTS!! 
XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, etc. 

I looked at my Experian credit report on XXXX XXXX XXXX, and noticed some incomplete and inaccurate things. According to the Fair Credit Reporting Act, whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to ensure the maximum possible accuracy of the information concerning the individual about whom the report relates, according to 15 USC 1681 ( e ) ( b ).

According to 15 USC 1681i 5, they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information.

( A ) Generally, 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 ( B ) Promptly change the status of the 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 ( C ) Promptly notify the furnisher that information has been modified or deleted from the consumer 's file.

According to 15 USC 1681s-2, they are supposed not to furnish any information relating to the consumer to any consumer reporting agency if the person knows or has reasonable cause to believe the information is inaccurate.
Consumer complaint received 2024-05-31
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: Experian Information Solutions Inc. (GA)

I HAVE HARD INQUIRES THAT IS AFFECTING MY CREDIT REPORT WHICH I DID NOT AUTHORIZED : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-05-31
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. (FL)

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.

15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : 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 2024-05-31
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. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-05-31
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. (NJ)

YOU ARE VIOLATING MY FCRA & FDCPA CONSUMER RIGHTS. The federal law under the FCRA states that in order to disclose my personal information you have to have my written consent making you liable for any remedy under the 15 U.S Code 1681n ( a ) ( 1 ) ( A ) Civil Liability section. After reviewing my consumer report it has come to my attention that your office have again violated my privacy. 15 USC 1681 ( a ) ( 4 ).
Consumer complaint received 2024-05-30
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)

Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2024-05-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MD)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong 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 2019-07-31
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. (NV)

I am concerned about the validity and accuracy of the recent investigation done by the credit bureaus..I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility.. I do not owe this debt nor the account. I am requesting a permanent block on the accounts asap XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX ( Original Creditor : XXXX XXXX ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-31
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)

XXXX XXXXXXXX The above account is not my account. I have reached out to the credit bureaus over XXXX times. They have yet to remove this account or provide me proof. I have no knowledge of this account and it need to be removed from my credit report. This is fraud and is affecting my credit. THIS IS NOT MY ACCOUNT. FRCA states everything should be 100 % accurate, if not it must be removed. REMOVE THE ACCOUNT OFF MY CREDIT.
Consumer complaint received 2024-05-30
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. (TX)

Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2024-05-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no XXXX  party involved. Please review the uploaded letters.
Consumer complaint received 2024-05-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (PA)

I am writing to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding the failure to investigate and appropriately mark my disputed accounts, which constitutes a violation of the Fair Credit Reporting Act ( FCRA ). Over the past several months, I have repeatedly contacted the company to dispute inaccuracies on my credit report. Despite providing ample documentation and following the dispute procedures outlined by the FCRA, the company has neither conducted a thorough investigation into my claims nor marked the disputed accounts on my credit report. This negligent behavior not only breaches the legal requirements set forth by the FCRA but also causes significant harm to my creditworthiness and financial standing. I urge the CFPB to intervene and ensure that the company complies with their obligations to investigate disputed accounts and update my credit report accordingly.
Consumer complaint received 2024-05-31
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. (MA)

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 2024-05-31
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. (TX)

I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.
Consumer complaint received 2024-05-31
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. (NC)

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

Accounts : XXXX XXXX XXXX # XXXX, XXXX # XXXX, XXXX XXXX  # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX Child Support ENF AGXXXX XXXX XXXX, XXXX  XXXX # XXXX, XXXX # XXXX, XXXX ( XXXX XXXX  ) # XXXX, XXXX ( Original XXXX XXXXXXXX XXXX XXXX ) # XXXX, XXXX XXXX ( original XXXX XXXX  ) # XXXX, XXXX XXXX ( original XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( original XXXX XXXX  ) # XXXX, XXXX XXXX ( original XXXX XXXX XXXX ) # XXXX, XXXX  XXXX  ( original XXXX ) # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 

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 than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) states : A person shall not furnish any information relating to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-05-31
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. (TX)

Upon reviewing my credit report, I discovered several accounts that I do not recognize and believe to be fraudulent. These accounts appear to be opened without my authorization, and I am deeply concerned about the potential impact on my credit standing and financial well-being. I suspect that I am a victim of identity theft, as I have not initiated or authorized the opening of these accounts. The presence of these unauthorized accounts on my credit report has caused me significant distress and uncertainty about the security of my personal information. I have attached a copy of my credit report highlighting the unrecognized accounts for your reference.
Consumer complaint received 2024-05-30
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)

Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. Please block this information from my credit report, pursuant to section XXXX of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. Added Accounts included : 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 A copy of my credit report I received from your company. The fraudulent items are circled.

A copy of my Identity Theft Report and proof of my identity. 
A copy of section XXXX of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within XXXX business days and to promptly notify the furnisher ( XXXX ) of that information. 
I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, Thanks, XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-31
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)

I have attempted to submit disputes on my credit report multiple times since XXXX My letters have not been responded to and my ability to submit disputes online they will not allow because they are saying my addresses are linked to accounts. The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., requires all 3 credit bureaus to report accurate information- Experian have incorrect address on my credit file and do not have the actual real address listed. They also are listing all of these different variatrions of my name. The incorrect addresses listed : XXXX XXXX XXXX XXXX XXXX, PA XXXX, XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX and XXXX XXXX XXXX XXXX, PA XXXX XXXX These need to be removed immediately. Experian is getting this information from XXXX XXXX who i am in litigation with currently for sharing this incorrect information. The only address that should be listed on my credit report is : XXXX XXXX XXXX XXXX PA XXXX. The only name that should be listed is XXXX XXXX XXXX without any other variation of it. I appreciate your prompt compliance with removing these multiple inaccurate accounts immediately off of my credit report and in return I will not require compensation for the extreme damage it has caused my livelihood. I have attached documentation that shows my correct address as well as my ID. Please comply immediately and remove all inaccurate information. Thank you.
Consumer complaint received 2021-03-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2024-05-31
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. (SC)

I am filing a complaint to inform you that you XXXX be in violation of the Fair Credit Reporting Act ( FCRA ) Section XXXX ( a ) ( XXXX ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/year>, and I have not yet received a response.
Consumer complaint received 2024-05-31
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)

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.
Consumer complaint received 2024-05-31
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. (NC)

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. 

Account Name : XXXX Account Number:XXXX Account Name : XXXX XXXXXXXX Account Number:XXXX  Account Name : XXXX  Account Number:XXXX has violated my rights. Or a list of inquiries : 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 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 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 2024-05-30
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. (CO)

I am working on purchasing my first home and have been checking my credit reports with all XXXX main credit bureaus. Experian is the standout for having a large amount of incorrect personal information and despite disputing these errors, I am receiving " notifications '' from Experian that my disputes have been updated as being correct, yet they have not removed any of the errors. The biggest issue is my student loans are no longer serviced by XXXX, as they have been transferred to XXXX. These XXXX student loans are appearing alongside the same exact student loans serviced by XXXX on my credit report- making it appear that I have open student loan debt through both servicers. This doubles the amount of student loan debt that I appear to have, and this is affecting my debt to credit ratio, my credit score, and my ability to get a mortgage loan. I have attempted to dispute with Experian and have sent them proof of the loan transfer that was provided to me by XXXX on XX/XX/year>. However, Experian has been unresponsive, and has failed to correct these duplications. This is a clear violation of the Fair Credit Reporting Act and is negligent behavior. 
I have also reached out to XXXX to request that they report the transfer of my loans to Experian, however, to my knowledge this has not been completed either.
Consumer complaint received 2024-05-31
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: Experian Information Solutions Inc. (GA)

This message serves as a follow-up to my initial complaint dated XX/XX/XXXX. I am submitting to bring to your attention the issue of erroneous reporting that I have experienced. Attached, you will find my identity theft report. As per FCRA XXXX XXXX, XXXX XXXX XXXX are obligated to remove any items mentioned in an identity theft report, with reference number XXXX. The enclosed documents should assist in correcting the inaccurate personal details and inquiries on my report. The following items were fraudulently opened without my consent : 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 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 According to FCRA Section XXXX ( a ), these items must be removed from a consumer 's file within XXXX business days upon receipt of the identity theft report.
Consumer complaint received 2024-05-31
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. (MA)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.