davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-08
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)

I hereby certify that the preceding statement is truthful and accurate to the best of my knowledge, under penalty of perjury ( as defined by US law, if executed outside of the US ). Furthermore, I certify that I am permitted to submit this disagreement under both federal and state law. I understand that intentional deception or omission of material information is punished as a federal crime under 18 U.S.C. 1001 and as a XXXX  under 18 U.S.C. 1621 for perjury. My credit report contains collection entries that have nothing to do with transactions I started. Financial institutions are prohibited from disclosing information to third parties under 15 USC 6802 ( 1 ) ( a ) ( b ) ( c ) unless I get written approval. There is a violation here! Private information was disclosed by the original creditor, which led to the opening of illegitimate accounts. The Federal Trade Commission is currently looking into these issues. In the event that this account is not promptly removed from all three of my credit reports, I will take legal action against your organization for allegedly providing incorrect information on my credit report.
Consumer complaint received 2024-05-29
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 am writing to formally complain about unauthorized credit inquiries that appear on my credit report. I have recently reviewed my credit report from Experian, and I noticed several credit inquiries listed that I did not authorize. These inquiries have negatively impacted my credit score, and I am concerned about the potential for identity theft or fraud. 

The unauthorized inquiries were made on XXXX XXXX, 2024 XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/year> XXXX XXXX  XXXX XX/XX/year> XXXX I did not initiate these inquiries and I have no knowledge of the entities listed. 

I have already contacted the credit bureaus to dispute these inquiries ; however, I am filing this complaint with the CFPB to seek your assistance in ensuring these fraudulent inquiries are investigated and removed from my credit report promptly. 


I am requesting that the CFPB assist by ensuring that these inquiries are removed from my credit report and that any necessary actions are taken to prevent further unauthorized activity on my credit profile. 

Thank you for your attention to this urgent matter. I am looking forward to your prompt response and assistance. 

Sincerely,
Consumer complaint received 2024-05-30
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. (GA)

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 : Chapter XXXX Bankruptcy Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX and 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 2023-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

I recently obtained a copy of my consumers credit report from your bureau and hereby dispute the completeness and accuracy of the following information. This information is injurious to my consumer report and I request that you correct this information immediately. As a gentle reminder you CAN NOT report/treat a payment on an open ended credit plan as late for any reason. If you need direct citation please refer to 15 USC 1666 ( B ). Also the law 15 USC 1681 ( B ) where it states that I as a consumer would need to give you PERMISSION to furnish information on my behalf. To date, I have not granted you or any of the data furnishers such authority. Under Section 1681 ( G ), please send me details of the procedures that were used to verify that this account is " correct '' and send me also the name and addresses of persons contacted per regulations found in the FCRA. If you can not provide me all the proof, please immediately remove the late payment status and other incorrect information from these listed items.
Consumer complaint received 2024-07-08
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)

THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME, I AM NOT LIABLE TO ANY TRANSACTIONS MADE ON THESE ACCOUNTS. BECAUSE OF THOSE NEGATIVE ACCOUNTS IT HAS CAUSE GREAT HARM TO MY CREDIT AND SCORE. PLEASE LOOK INTO THIS MATTER AND HAVE THOSE ACCOUNTS REMOVED OFF MY CREDIT ACCOUNT.
Consumer complaint received 2024-05-29
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. (OH)

I did not consent to, or authorize nor benefit from any of the following inquiries. XXXX and remove it. 
XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX XXXX  XXXX XXXX  Date of Inquiry XX/XX/XXXX
Consumer complaint received 2024-05-30
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. (GA)

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 XXXX Account Number : XXXX Account Name XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Bankruptcy Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and 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: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

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 XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX and 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 2019-07-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK (MS)

Discover Card has multiple charges that I did not authorize. The charges are showing as pending. The Discover Card company is also not posting my payments to my account prompting a negative available credit. Please investigate for fraudulent practices and inaccurate billing. The Fair Billing Act ensures the accuracy of payments and credit reporting. 

1. Charges of {$600.00} payment on XX/XX/XXXX has been deducted from my bank but not posted to my account. 

2. XXXX XXXX XXXX pending transaction was not authorized in the amount of {$630.00}. 

3. XXXX XXXX is not posted to my account in the amount of {$830.00} 4. Payment on XX/XX/2019, in the amount of {$190.00} is not showing.
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)

I'm challenging these incorrect accounts on my credit file and asking for an investigation. Per the Fair Credit Report Act, I deserve {$1000.00} for each error. FCRA 605B mandates reporting any wrong accounts on a consumer 's report.
Consumer complaint received 2024-08-30
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: EQUIFAX, INC. (PR)

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 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 2024-05-29
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. (OK)

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-05-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

I am writing regarding my credit report, which contains inaccurate and incomplete information that requires your attention. The reason for my dispute is that your agency has not provided sufficient information to verify the debt in question. XXXX and XXXX, another credit bureau, has already corrected the inaccuracy these accounts from their records due to an identified error. I am perplexed as to how you have verified these accounts while the other bureaus have updated it. Therefore, I request that you correct these accounts from my credit file as it is inaccurate, erroneous, incomplete, or unverifiable. 

XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (DE)

Recently, I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report. It shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1691i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, 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 investigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Consumer complaint received 2019-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

XXXX XXXX is reporting inaccurate payment information on my credit report. I have attempted to dispute this directly with the 3 credit bureaus however ; that was of no avail. I have sent XXXX XXXX a FCBA Evidence Request with no response. This account is paid in full.
Consumer complaint received 2023-05-31
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. (FL)

1-XXXX XXXXXXXX approved my deferment and I paid as agree an the applied it to my principle balance and never updated my credit to paid or honored my deferment. They violated my credit rights. I attached the proof. I want account XXXX  from my credit report. I was never late. 

2- Collection account. {$21000.00} past due as of XXXX XXXX added a collection to my credit. I never was contacted by these people. I have no other loans out their. This is ruining me to get my graduate loan. I would like this collection removed from my credit immediately. Its is against my fair credit law. I do not have any documents pertaining to this account 3- remove an address from my account XXXXXXXX XXXX XXXX XXXX XXXXXXXX, NJ XXXX. I lived in Florida for the past 4 years. I am veteran, XXXXXXXX XXXX XXXXXXXX. This is bringing stress on me. I dont want to loose what I worked so hard for. Experian is the only bureau reporting this address. lease I beg remove it. I dont wany someone to be using my credit.
Consumer complaint received 2024-05-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IN)

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 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 informationisinaccurate.
Consumer complaint received 2024-05-28
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)

The conspicuous lack of concrete evidence substantiating its reliability, coupled with the circulation of unverified information, constitutes a flagrant violation of the statutory provisions outlined in 15 USC 1681i ( 7 ). Such regulatory non-compliance is not merely disconcerting but also vexing, considering the paramount importance of adherence to legal mandates. Consequently, I emphatically endorse the prompt deletion of this account in alignment with the stipulated regulations, unless credible evidence is promptly furnished to affirm its authenticity. The failure to promptly rectify this matter further compounds the exasperation stemming from the disregard for legal protocols.
Consumer complaint received 2024-05-29
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)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX **RE : Update Personal Information** Dear Experian, I recently reviewed my credit file and unfortunately found that some of my personal information was incorrect. You are reporting information that belongs to someone else. I am writing to ensure you have the most accurate information in my credit file at all times. Please delete the following inaccurate information from my credit file within the next 30 days. I know that you have up to thirty days to meet my requirements. If I do not receive any updates from you during this period, I know that these inaccuracies should be automatically removed. 
I have listed the information about my personal information that you incorrectly reported and should be deleted immediately. 
**Please delete the following inaccurate addresses : ** - XXXX XXXX XXXX XXXX, XXXX, FL XXXX - XXXX XXXX XXXX XXXX, XXXX XXXX FL XXXX - XXXX XXXX XXXX, XXXX XXXX FL XXXX - XXXX XXXX XXXX XXXX, XXXX, FL XXXX By reporting these inaccuracies, you are in violation of 15 USC 1681b ( a ) ( 2 ) ; a consumer reporting agency may furnish a consumer report under the following circumstance and no other ; in accordance with the written instructions of the consumer to whom it relates. Experian has in fact knowingly furnished my consumer report with inaccuracies multiple times without having wet ink, written instructions to do so. These actions have caused my family and I a great deal of injury. 
Furthermore, I am filing this consumer complaint and consumer check for compliance of these particular items that you are reporting under FACTA Title 1 sec. 151.

I have enclosed copies of my state-issued identification and social security number to validate my identity.
Consumer complaint received 2024-05-29
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)

I ensure that my payments are always made on time. However, I find it perplexing that this company occasionally reports me as late in certain months, which is not accurate. As per USC 1666b, any billing errors should be rectified promptly and reflected as paid as agreed.
Consumer complaint received 2024-05-29
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 recently reviewed a copy of my credit report. I was shocked to learn that i have been a victim of identity theft. I found numerous accounts on my credit report that were not open by me. This has been hurting me as I am in the process of buying a home for my family. Please remove the fraudulent accounts from my credit report as soon as possible.
Consumer complaint received 2024-05-29
Product: Credit card — General-purpose credit card or charge card
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 ensure that my payments are always made on time. However, I find it perplexing that this company occasionally reports me as late in certain months, which is not accurate. As per USC 1666b, any billing errors should be rectified promptly and reflected as paid as agreed.
Consumer complaint received 2024-05-29
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. (CA)

I have inaccurate information as being reported to the credit bureaus such as accounts that were not created by me old addresses, old phone numbers and aliases that I do not use or no longer have. Im experiencing a hardship in life right now and having to write marks and information on my credit is impacting me very much, Im asking to have these accounts that are fraudulent and all the incorrect information being reported to the bureau removed from my credit report immediately