davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-16
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)

XXXX XXXX Breach Consumer Name : XXXX XXXX XXXX, Consumer Social Security Number : ( Private SSN ), Consumer Date of Birth : ( Private XXXX ), Contents of Complaint : This CFPB complaint has been led to request under FCRA XXXX ( XXXX U.S.C. XXXX ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX on XX/XX/year> under the account number ( private ), an account opened at XXXX XXXX on XX/XX/year> under the account number ( private ), an auto loan account opened at XXXX XXXX XXXX XXXX on XX/XX/year> under the account number ( private ), an auto loan account opened at XXXX, XXXX on XX/XX/year> under the account number ( private ), an account opened at XXXX XXXX XXXX XXXX on XX/XX/year>. These accounts have resulted in several fraudulent charge-offs/collections appearing on my consumer credit report. I've attached a copy of the consumer credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections/charge-offs as reported. The aforementioned accounts and collections appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, and collections are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, and collections are the result of identity theft and fraud.
Consumer complaint received 2024-07-16
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. (PA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2024-11-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXXXXXX Account Name XXXX XXXX XXXX XXXX Account Name XXXX XXXX XXXX XXXX- Account Name XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Name XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX  XXXX Account Name XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-16
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. (FL)

I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. 

I am XXXX  this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.
Consumer complaint received 2024-07-16
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. (GA)

On XX/XX/XXXX I sent certified mail to XXXX. I have yet to receive any response from this credit reporting agency. The letter I sent included a copy of my driver 's license, FTC Identity theft report, copy of my social security card, copies of bills with proof of address, and letter with items that should not be reporting on my credit report. Based on the identity theft report alone, these items should be deleted. The other reason that these items should be deleted is because XXXX has exceeded the 30-45 day time frame that is their legal time frame to respond or delete what's in the letter. Please make sure that XXXX deletes these items from my credit report. I also sent letters to XXXX, and Experian and the investigation has not taken place. Please, remove the items listed in the letters to those organizations as well. Thank you.
Consumer complaint received 2024-07-16
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)

Discovering an error implying a late payment on my account is troubling, especially given my history of consistently meeting payment deadlines. This discrepancy is causing undue stress, and I urge you to promptly address it by ensuring my records accurately reflect my payment history.
Consumer complaint received 2024-07-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

In my Experian credit report an account appears due that has already been settled in full, please I need you to correct the error because it is affecting my credit health and the account has already been settled as I said before, below in the attached files I send you the data for the settled account
Consumer complaint received 2024-07-16
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)

Re : Complaint ID XXXX Dear CFPB, I am writing to urgently seek your assistance regarding unresolved and ongoing issues with my credit reports, despite my repeated attempts and filed complaints. My previously filed complaint with Experian, dated XX/XX/year>, remains in an OPEN status. According to your guidelines, companies generally respond within 15 days and provide a final response within 60 days. However, it has now been 48 days, and I have yet to receive any correspondence from XXXX. As per the Fair Credit Reporting Act ( FCRA ), reinvestigations should be completed within 30 days. XXXXXXXX XXXX failure to respond within the stipulated time frame is a clear violation of these guidelines. 

However, upon checking and comparing my previous and current credit reports, I found that no updates have been made at all. The discrepancies and inaccuracies in my credit report remain unchanged, which is causing significant distress as I am seeking more favorable job opportunities soon. The continuous reporting of inaccurate information on my credit file is unjust and detrimental to my career and financial well-being. 

Despite numerous letters and evidence provided, these errors persist in my credit reports. The details of these discrepancies are discussed in my attached letter, along with screenshots as evidence. 

Given these issues, I kindly request your intervention to expedite the resolution of these matters. The failure of Experian to comply with FCRA guidelines and correct the inaccuracies in my credit report without further delay is unacceptable. 

Thank you for your prompt attention to this matter. I look forward to your immediate assistance in ensuring that Experian comply with FCRA guidelines and rectify the inaccuracies in my credit reports. 


Sincerely, XXXX XXXX
Consumer complaint received 2024-07-16
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)

I RECENTLY PULLED A COPY OF MY CREDIT REPORT AND NOTICED ACCOUNTS BEING REPORTED THAT I HAVE NOT AUTHORIZED NOR HAVE ANY AFFILIATION WITH. I WAS INFORMED THAT MY PERSONAL INFORMATION WAS INVOLVED A IN BREACH AND WAS ADVISED TO CHECK MY CREDIT. I CONTACTED THE CREDIT REPORTING AGENCIES XX/XX/year> ADVISING OF ACCOUNTS AND REQUESTING VERIFICATION. THESE ACCOUNTS ARE UNVERIFIABLE. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 I ALSO NOTICED ADDRESSES BEING REPORTED WHERE I NEVER RESIDED, AND REQUESTED THAT THEY BE REMOVED
Consumer complaint received 2024-07-16
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)

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 2024-07-16
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (TX)

I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.
Consumer complaint received 2024-07-16
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)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them "
Consumer complaint received 2024-10-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Today is XXXX XXXX I went to my online Bank of America account I use for business to send a wire to XXXX XXXX XXXX XXXXXXXX for Product they delivered to our business expecting to receive a same day wire for payment in full {$11000.00}. There was not a hold on any monies in this account this is a new business partner and this is the first wire we sent so they called me to validate the wire. I confirmed all of my account information log into their system with all my passwords and they sent a separate code to my phone. 

My identity was certainly validated however they said I would have to pay another way cash or check. This has caused a grievance with a new business partner and those are my monies to access how I chose. This should be against the law!
Consumer complaint received 2023-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

The information shared is incorrect. This is a is a violation of my privacy by selling and reporting my personal and private information to any third party. 

In accordance with the FCRA this creditor has violated my rights.

Under 15 USC 1681 section 602 states that I have the right to privacy. Section 604 of the Fair Credit Reporting Act No consumer reporting agency may furnish a consumer report to any person unless the consumer has authorized the disclosure of the report in a writing that is specific, informed, and easily revocable. 15 USC 1681 section 604a section 2 states that a CRA can not furnish an account without my written instruction. 

I have written them to remove this inaccurate account and they have not.
Consumer complaint received 2024-07-16
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)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 

Here is the item I am asking you to verify as accurate : Experian : [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I am in disagreement with the account listed below which still appears on my credit report. 
This is aggravated identity theft.
Consumer complaint received 2024-10-01
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. (TX)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-07-16
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (IN)

XXXX closed collection account popped up on my credit report in XX/XX/XXXX. Stating it was opened XX/XX/XXXX. I did not open this account. I filed a fraud complaint and XXXXXXXX XXXX XXXXXXXX verified it wasnt mine and removed it. However experian, I filed the dispute and they kept it on my report. This not my account or debt. I have XXXX XXXX under my spouses name/account.
Consumer complaint received 2024-07-16
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. (PA)

RE : XXXX  BLOCK REQUEST To whom it XXXX concern, I am writing to advise that I am a victim of XXXX. The information listed below, that is currently listed on my credit report is a result of that XXXX. The following personal information is incorrect. The following personal information is incorrect Account XXXX XXXX  Account XXXX opened XX/XX/XXXX and XXXX XXXX Account # XXXX opened XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit reportXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX, The inquiry was not authorized XXXX XXXX XXXX XXXX XX/XX/XXXX, The inquiry was not authorized XXXX XXXX XXXX XXXX XX/XX/XXXX Please remove it from my credit report, The inquiry was not authorized XXXX XXXX on XX/XX/XXXX Please remove it from my credit report. The inquiry was not authorized XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Please remove it from my credit report. The inquiry was not authorized XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Please remove it from my credit report. The inquiry was not authorized XXXX XXXX XXXX XXXX XXXXXXXX Please remove it from my credit report.PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF XXXX  IN PERSONS OR XXXX XXXX. IF THE CONSUMER HAS PROVIDED XXXX DOCUMENTATION TO THE CONSUMER BILLING CODE : XXXX XXXX OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX [ DOCKET NO. XXXX ] RIN XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF XXXX XXXX ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TO THIS MATTER!!
Consumer complaint received 2024-07-16
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. (MD)

This consumer reporting agency is being violative of my consumer rights by providing inaccurate and untruthful information to my credit report, both in violation with FCRA and XXXX XXXX XXXX Standards. This agency should only be reporting factually accurate, verified with documentation, and compliant data. However they are not
Consumer complaint received 2024-07-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

My account with ( XXXX XXXX XXXX  ) was never late! I have had exceptional payment history witH capital XXXX and all payments were placed on XXXX. 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 2024-07-16
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)

My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX was never late! I have had exceptional payment history witH XXXX  XXXX 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 60 days 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 XXXX XXXX XXXX XXXXXXXX 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 8
Consumer complaint received 2024-07-16
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (PA)

I contacted the company to ask them to remove and delete this incorrect information that wasnt accurate on my credit report. An also once that is done to send me an updated copy of my credit report to insure that my request was made, but unfortunately they did not fulfill what I had asked.