davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-21
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)

This is my another Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-06-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (TX)

When I investigated my credit report, I realized that some of the information was erroneous. Experian and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXX  XXXX
Consumer complaint received 2024-06-21
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. (FL)

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all accounts are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these accounts immediately : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-21
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. (AL)

To whom this may concern, I have recently took a look at my credit report and noticed quite a few things that werent correct According to 15 USC 1681b for inquiries the following items must be blocked and removed because this information is a detriment to my credit report, not for a permissible purpose, nor was consent given. The following inquiries were not permitted or requested on my behalf. Failure to do so will result in me taking legal action against companies listed in this dispute. 

The following items are incorrect and need to be removed : 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 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 XXXXXX/XX/year>
Consumer complaint received 2022-10-25
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: Experian Information Solutions Inc. (FL)

In accordance with the Fair Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Experian XXXX Late payment, XXXX Late payment, XXXX Late payments, XXXXXXXX XXXX late payments and XXXX balance, XXXX XXXX. XXXX XXXX Late payment, XXXX late payment, XXXX late payment, XXXX late payment and balance XXXX. 
XXXX XXXXXXXX. XXXX XXXX Late payment, XXXX late payment, XXXX late payment, XXXX XXXX late payments and XXXX balance. 
XXXX XXXXXXXX, XXXX, XXXX, XXXX. 
15 U.S.C 1681 Section 602A. 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 conviction 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-06-21
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. (AL)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights.
Consumer complaint received 2024-06-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, Experian, and XXXX.
Consumer complaint received 2024-06-21
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. (CA)

Dear Sir/Ma'am, Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( XXXX ) days of the completion of your reinvestigation. 

Additionally, please provide the name, address and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. 

Any automated response or e-oscar verification is unacceptable and incomplete. I am requesting a reinvestigation AND your Method of Verification. 

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. 

I am maintaining a careful record of my communications with you for the purpose with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney XXXX 's office, should you continue in your noncompliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, you may be liable for your willful non-compliance.
Consumer complaint received 2024-06-21
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 2024-06-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: MOHELA (NC)

Per the FCRA as a Federally protected consumer I am now opting out of all authorization. I the consumer may have given you written and unwritten, verbal, and nonverbal per 15 USC 6803. 

In accordance with the Fair Credit Reporting Act XXXX  Acct # : XXXX has 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. 

Account # : XXXX is in violation of the Family Educational and Privacy Act of 1974.

20 USC 1232g and 34 CFR 99 - Family Educational and Privacy Act of 1974 5 USC 552a - says you are not supposed to give your ssn Violation of the Family Educational and Privacy Act of 1974 When signed you stated you would not provide my information to anyone. 

Account # : XXXX is in violation of the Family Educational and Privacy Act of 1974. 
20 USC 1232g and 34 CFR 99 - Family Educational and Privacy Act of 1974 5 USC 552a - says you are not supposed to give your ssn Violation of the Family Educational and Privacy Act of 1974 When signed you stated you would not provide my information to anyone. 

In accordance with the Fair Credit Reporting Act convergent Acct # : XXXX has 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.
Consumer complaint received 2024-06-21
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 submitting this CFPB complaint myself, and to inform you that I was a victim of an Identity Theft. The fact is, I am disputing again the fraudulent items on my credit file. For some reason, I realized that the three credit bureaus failed to fixed it and I do not believe that these items belongs to me. These items should be deleted as a confirm of derogatory nor negative in my credit file. It seems impossible to consider as mine the fact they doesn't belongs to me. Kindly help me delete these following items : XXXX XXXX XXXX, IL XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA 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 Bankruptcy XXXX {$0.00} ; 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 2024-09-03
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)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2024-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MOHELA (NY)

I recently applied for an auto loan and was told that Mohela is reporting XXXX loan amounts. I had XXXX parent plus loan consolidated into a direct loan. XXXX completed XX/XX/year>. Mohela is still listing the XXXX previous parent plus loans as active instead of paid/closed. This has affected my credit score for over 5 months and it is unjust and unfair that this mishap is the result of Mohela moving to a new platform and not reporting correcty. I am very concerned. I have called Mohela to have this rectified and was told they will reach out to the XXXX reporting credit bureaus. They also asked me to reach out and I feel that it is their responsibility to correct this. Meanwhile, I have a tanked XXXX  score and unable to obtain a reasonable interest rate loan to buy a vehicle.my scores need to reflect my good faith XXXX percent payments made on time for everything and show that my debt to income ratio is accurate.
Consumer complaint received 2024-06-21
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)

This is my another Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
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 XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-06-15
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: Experian Information Solutions Inc. (CA)

I sent to the credit bureaus copies of my identity theft report and local police report along with proof of address, my ID, social card and letter listing each fraudulent charge on my credit report, I sent this off certified mail. The credit bureaus have yet to respond regarding this matter and remove these items. The items are as listed as follows 1.XXXX XXXX XXXX account number XXXX open XX/XX/XXXX in the amount of {$480.00} 2. XXXX XXXX XXXX XXXX  account number XXXX open XX/XX/XXXX in the amount XXXX {$1800.00} 3. XXXX XXXX account # XXXX open XX/XX/XXXX amount {$170.00} 4. XXXX XXXX account number XXXX opened XX/XX/XXXX in the amount {$1000.00} 5. XXXX XXXX account number XXXX open XXXX amount {$420.00} 6. XXXX XXXX XXXX XXXXXXXX account number XXXX open XX/XX/XXXX in the amount {$1400.00} 7. XXXX XXXX account number XXXX open XX/XX/XXXX ain the amount {$630.00} 8. 
XXXX XXXX XXXX XXXXXXXX XXXX  XXXX account number XXXX open XX/XX/XXXX amount XXXX.These Items need to be removed I am a victim of identity theft.
Consumer complaint received 2024-06-21
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. (MO)

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 2024-09-03
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: EQUIFAX, INC. (MI)

I sent a letter certified mail to XXXXXXXX XXXX XXXXXXXX via certified mail. I have yet to get a response letter or correction of my credit report. On XXXX it is listed as deleted but still appears on my report. Looking for immediate correction.
Consumer complaint received 2024-06-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (FL)

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-06-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

XXXX XXXX XXXX of Late Payment Entries Under FCRA Sections 611 and 623** I am writing for the 3rd time to dispute the accuracy of late payment information listed on my credit report. I believe these entries have been reported inaccurately and request a thorough investigation into these matters as stipulated under the Fair Credit Reporting Act, specifically under Sections 611 and 623. 

XXXX XXXX XXXX XXXX  XXXX Date of alleged late payments XX/XX/XXXX XX/XX/XXXX The payments were made on time. There was no instance of late payment as reported. 

Under FCRA Section 611, I am requesting a re-investigation of the aforementioned entries. Section 623 requires furnishers of information, like XXXX XXXX XXXX XXXX  to provide accurate and verified data to consumer reporting agencies. 

I kindly request that these late payment entries be corrected or removed if found inaccurate. Please complete your investigation within the statutory XXXX period and inform me in writing of the outcome. 

Thank you for your attention to this important matter. I look forward to your prompt response and the resolution of my dispute. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-06-22
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)

There is a closed XXXX XXXX credit card that is showing paid and closed. I have disputed this repeatedly XXXX XXXX recognizes that this card doesn't exist in my name the payment history XXXX this card is wrecking my XXXX XXXX. I am demanding XXXX from experian transunion and XXXX for refusing to remove this alleged item as per the FCRA plus the deletion and updated credit report showing the deletion. I REPEAT XXXX  XXXX HAS CONFIRMED THIS CARD/ACCOUNT DOES NOT EXIST.
Consumer complaint received 2024-06-21
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)

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 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 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 a consumer to any consumer reporting agency if the person known or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-06-21
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. (PA)

National credit adjust keep re-aging this debt that I do not owe and wont take it off my credit report.Experian is allowing them to keep doing so. I also have XXXX inquiries on my credit report which is locked. I didnt apply and want those removed. I also have affirm on my credit which is not mine and I want that removed as well. There are XXXX of them. 

Re-aged accounts that have to be removed XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-21
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)

PLEASE BLOCKED AND REMOVED.

The existence of this account has caused me significant distress, to the point where it is affecting my ability to sleep. I have provided all the necessary documentation to support its removal, and I earnestly implore you to take action and remove it from my credit report.
Consumer complaint received 2024-07-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report.