davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-01
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. (MO)

I always pay my bills on time. I know this for sure. I dont understand why this company says I paid late in some months. According to USC 1666b, any billing mistake should be fixed and marked as paid on time.
Consumer complaint received 2024-06-01
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. (CA)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense XXXX  this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.
Consumer complaint received 2024-06-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

There is a fraudulent account on my credit file due to identity theft. XXXX XXXX XXXX reflecting a balance of {$10000.00}. I have NEVER LIVED AT THE ADDRESS XXXX XXXX XXXX XXXX, CA XXXX. I have lived at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX since XX/XX/XXXX. I recently renewed a YEAR LEASE AT XXXX XXXX XXXXXXXX. 
THIS HAS BEEN MY RESIDENCY. PLEASE REVIEW MY LEASE AGREEMENT ATTACHED. MY PURSE WAS STOLEN FROM ME IN XX/XX/XXXX containing my personal identification such as my Ca id my social security my cell phone which allowed the suspect access to my emails accounts. They fraudulently open this account REMOVE THIS COLLECTION IMMEDIATELY
Consumer complaint received 2024-06-01
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)

XXXX XXXX XXXX XXXX IS REPORTING IS A 30 DAY LATE PAYMENT TO XXXX AND XXXX FOR THE MONTH OF OF XX/XX/year>. I HAVE NEVER BEEN LATE ON THIS AUTO LOAN LEASE AND I HAVE DISPUTED IT MANY TIMES AND LAST YEAR XXXX XXXX XXXX XXXX  UPDATED THE ACCOUNT STATUS TO EXPERIAN AS CURRENT NEVER LATE WHICH IS THE ACCURATE REPORTING. THE ISSUE IS THEY ONLY UPDATED EXPERIAN AND NOT XXXX OR XXXX. THEY ARE REPORTING THE STATUS OF THIS ACCOUNT INCORRECTLY AND I HAVE TRIED EVERYTHING IN MY POWER TO CORRECT IT. PLEASE HELP ME. THEY HAVE NEVER PROVIDED ME WITH PROF OF THE LATE AND KEEP DECLINING TO REMOVE IT FROM XXXX AND XXXX. THEY ARE NOT EVEN REPORTING THE CORRECT PHONE NUMBER. PLEASE HAVE THEM CORRECT THIS ISSUSE AS THIS IS AFFECTING MY RIGHT OF THE FCRA. IF THIS ISSUE IS NOT RESOLVED I WILL BE TAKING THIS CASE TO THE SMALL CLAIMS COURT.
Consumer complaint received 2024-06-01
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)

PLEASE BLOCKED AND REMOVED I kindly demand the removal of these inaccurate accounts from my credit report, as I never authorized their use. It is essential that you swiftly erase this misleading information from my records.
Consumer complaint received 2020-08-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Keystone Law LLC (TX)

In XXXX of XXXX I was sent a letter stating that I owed a debt to " XXXX XXXX XXXX XXXX '' This debt was not mine and after speaking with a representative from XXXX XXXX   they could not verify why I was being contacted in regards to this debt. I spoke with the contact person for XXXX XXXX XXXX and explained to them the situation. After over an hour on the phone they told me that my dispute had been registered and that I would no longer receive any communications regarding this supposed debt. 

There is nothing that ties me to this supposed XXXX  XXXX  account other than my name. I have not lived in the state that the supposed package was shipped to and have never been to this state in my life. 

Today, XX/XX/XXXX of XXXX, I received a letter from XXXX XXXX XXXX in reference to the same charges from " XXXX XXXX XXXX. '' This is not my debt and I will be sending XXXX a written letter stating as such. However I would like my complaint to be filed so that I have recourse if XXXX does not accept my refutation of the debt as valid.
Consumer complaint received 2024-06-01
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. (AZ)

In accordance with the fair credit reporting act. The List of accounts below has violated my federaly protected consumer rights to privacy codentally under Title 15 USC 1681 Account XXXX # XXXX Account XXXX # XXXX Account XXXXXXXX XXXX XXXX # XXXX Account XXXX  # XXXX Account XXXX XXXX # XXXX Account XXXX XXXX # XXXX Account XXXX # XXXX has violated my rights. 

I looked at my Experian credit report on XX/XX/year> when I initially found this information and some things are incomplete, inaccurate and according to the fair credit reporting act : ( Whenever a consumer reporting agency prepares a consumer reports reasonable procedures to assure maximum possible accuracy of the information concerning the Individual about whom the report relates to ) according to Title 15 USC 1681 ( e ) ( b ) And according to 15 USC 1681 ( i ) they are suppose to do the ( 5 ) Treatment of inaccurate or unverifiable information ( A ) ln generalf 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 fe of the consumer, or modify that item of information, as approphate, based on the results of the reinvestigation ; ( ii ) and promptly notify the funisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681-2 they are suppose to not furnish any information relating to a consumer that has reasonable cause to any consumer reporting agency if the person knows or believe that the information is inaccurate.
Consumer complaint received 2024-06-01
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. (NY)

XXXX I am writing to inform you that there is 100 % improper use of the credit report. Attached to the SSN! XXXX, XXXX, and EXPERIAN HAVE 1000 % VIOLATED THE FCRA, AND IM HIGHLY XXXX ABOUT THIS. I looked over the credit report and found some addresses that appear incorrect. Not only did I find addresses, but I ALSO FOUND TONS OF INACCURATE INFORMATION ON THE CREDIT REPORT. INCLUDING ACCOUNTS THAT I NEVER GAVE YOU WRITTEN PERMISSION TO ADD ON ANY INFORMATION TO THE CREDIT REPORT! As instructed on your website, I've enclosed documentation providing proof of my current address, social security card, id passport, driver 's license, and insurance card. 
This is the final step BEFORE TAKING THIS INACCURATE, FRAUDULENT ACTIVITY IN FRONT OF A JUDGE. Under the FCRA, ONLY CORRECT INFORMATION SHALL BE ADDED TO A CONSUMERS CREDIT REPORT, and the information on the XXXX, XXXX, and EXPERIAN credit report isn't accurate AND ITS COMPLETE XXXX. I've spoken to a lawyer, and he told me that I COULD EASILY take THIS to court AND FINE XXXX, XXXX, and EXPERIAN {$1000.00} PER VIOLATION ( and there are many violations ). I DEMAND YOU, XXXX, XXXX, and EXPERIAN, TO REMOVE ALL OF THESE FRAUDULENT INCORRECT ACCOUNTS FROM THIS CREDIT REPORT WITHIN 24 HOURS OF RECEIVING THIS LETTER. YES, I WANT THE ENTIRE ACCOUNT FULLY WHIPPED OFF THE CREDIT REPORT WITH NO FRAUD REMARKS OR DISPUTE COMMENTS REMARKS LEFT ON THE CREDIT REPORT. 

Account name : XXXX XXXX Account # XXXX {$490.00} XXXX XXXX XXXX Account # XXXX 

XXXX Account # XXXX XXXX  ( XXXX  ) Account # XXXX {$1300.00} XXXX Account # XXXX {$6800.00} XXXX XXXX XXXX Account # XXXX Account has been closed at Grantors request all without my written consent. 
Account has been previously in dispute- Investigation complete, reported by data furnisher. 




IF THESE FRAUDULENT, INACCURATE ACCOUNTS DO NOT COME OFF THE CREDIT REPORT WITHIN 24 HOURS. THE LAWYER HANDLING THIS MATTER SAID HE WILL BE TAKING MASSIVE LEGAL ACTION AGAINST THE FOLLOWING CORPORATIONS FOR LETTING THIS HAPPEN : POTENTIAL LAWSUITS LIST : EXPERIAN, XXXX, and XXXX TO MAKE THE DELETION PROCESS EASIER FOR YOU, ATTACHED IS A LIST OF THE INACCURATE ACCOUNTS THAT NEED TO BE TAKEN OFF THE CREDIT REPORT ASAP. AND FRAUDULENTLY REPORTED INQUIRIES THAT NEED TO BE TAKEN OFF ASAP. 
15 USC 1681C-2 STATES I HAVE THE RIGHT TO PRIVACY AND A BLOCK OF INFORMATION. AND I NEVER GAVE ANY COMPANY WRITTEN CONSENT TO ADD THIS INFORMATION TO MY CREDIT REPORT! DELETE IT IMMEDIATELY! 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 : Also, States A Consumer Reporting Agency Can not Furnish A AccountWithout My Written Instructions!! 
DELETE THIS ACCOUNT IMMEDIATELY FROM THE CREDIT REPORT UNLESS YOU WANT TO BE HELD FOR {$1000.00} PER VIOLATION!!! 


( needed To be Removed improper use of the credit report )
Consumer complaint received 2024-06-01
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: Experian Information Solutions Inc. (TX)

I urgently request the removal of this erroneous late payment from my account. My consistent history of punctual payments contradicts this entry, causing me undue stress and concern. I ask that you promptly rectify this mistake by updating my account.
Consumer complaint received 2024-06-01
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. (AZ)

I always pay my bills on time. I know this for sure. I dont understand why this company says I paid late in some months. According to USC 1666b, any billing mistake should be fixed and marked as paid on time.
Consumer complaint received 2022-12-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

I recently attempted to get a vehicle and was denied due to items in my consumer report and credit score. On XX/XX/2022, I downloaded the consumer report that Equifax has on me, identified by Report # XXXX. After viewing my report in full and utilizing the regulating resources listed in the consumer report ( FTC, CFPB, etc. ), I became aware of federal regulations and laws that limit the information that financial institutions can disclose and protections for consumers. I never gave authorization or consent for Equifax to prepare, furnish or report any of my personally identifiable financial information. I've contacted Equifax numerous times in attempts to have items and information removed to no avail.
Consumer complaint received 2024-06-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

I am deeply troubled by the presence of this late payment on my account, given my consistent track record of making payments on time. This discrepancy is causing me significant distress, and I implore you to promptly correct this error by removing it from my account.
Consumer complaint received 2024-06-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

There is a fraudulent account on my credit file due to identity theft. XXXX XXXX XXXX reflecting a balance of {$10000.00}. I have NEVER LIVED AT THE ADDRESS XXXX XXXX XXXX XXXX, CA XXXX. I have lived at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX since XX/XX/XXXX. I recently renewed a YEAR LEASE AT XXXX XXXX  XXXX. 
THIS HAS BEEN MY RESIDENCY. PLEASE REVIEW MY LEASE AGREEMENT ATTACHED. MY PURSE WAS STOLEN FROM ME IN XX/XX/XXXX containing my personal identification such as my Ca id my social security my cell phone which allowed the suspect access to my emails accounts. They fraudulently open this account REMOVE THIS COLLECTION IMMEDIATELY
Consumer complaint received 2024-06-01
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. (NY)

Hi this is my third time trying to resolve this matter. I recently reviewed my credit report and found unauthorized inquiries. I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. Under 15 U.S. Code 1681i, Paragraph ( 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 The following inquiries are unauthorized : Creditor : XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX Creditor : XXXX XXXX Inquiry Date XXXX XX/XX/XXXX Creditor : XXXX  Inquiry Date : XX/XX/XXXX I understand that per the Fair Credit Reporting Act, they are required to notify me of your investigation results within 30 days. My contact information is provided below and I have included proof of my social security and current address to avoid any delays in your response time. I look forward to receiving an updated copy of my credit report reflecting the above correction. Thanking you in advance.
Consumer complaint received 2024-06-01
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)

15 is code 6802 obligations with respect to disclosure of personal informations I need all inquiries get removed!

And 15 usc code 6805 Enforcement ( A ) To remove the inquirys And putting my score to XXXX if you find any charge offs they are certificates of indebtedness which means its converted into money and you can not put onto credit report.
Consumer complaint received 2024-06-01
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. (NJ)

XXXX XXXX XXXX XXXX XXXX XXXX, NJ, XXXX XXXX XX/XX/XXXX To : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX IA XXXX Subject : Complaint Regarding Inaccurate Reporting by the Three Bureaus Dear CFPB, I am filing a formal complaint regarding the inaccurate reporting of two closed accounts on my XXXX credit report XXXX The accounts in question are : Inquiries due to Identity Theft : XX/XX/XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXX/XX/XXXXXX/XX/XXXX Under the FCRA, credit bureaus are obligated to take swift action upon receiving notice of inaccuracies due to identity theft. Non-compliance with these regulations may lead to significant penalties and legal repercussions.

I already filed an FTC Report, a police report, I called the bureaus, sent dispute letters, but still it is not removed from my report.

I hereby request a thorough investigation into these disputed items and prompt resolution of the inaccuracies. This entails removing all erroneous information, blocking any fraudulent accounts from reappearing on my credit report, and providing me with a revised credit report once the investigation is concluded. 
I look forward to your prompt response and action to resolve this issue on my credit report. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-06-01
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CT)

I strongly insist on the removal of this late payment from my account, as it inaccurately reflects my payment history. I have consistently maintained timely payments, and it is unfair to be burdened with this erroneous entry. I urge you to take immediate action to update my account accordingly.
Consumer complaint received 2024-06-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (CA)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2024-06-01
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 am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The Better Business Bureau, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2024-06-01
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. (OH)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The Better Business Bureau, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2024-06-01
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 am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The Better Business Bureau, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.