davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-12
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. (FL)

XXXX, XXXX XXXX, And Equifax are obligated by FCRA to report accurate accounting. The consumer has advised ALL the inquiries reported were fraud, and said the company had 4 days according to XXXX to remove such items. FTC fraud report was filed on behalf of the consumer, the consumer is now requesting XXXX, XXXX XXXX, And Equifax to provide the documentation used to determine inquiry was indeed authorized by the consumer, XXXX, XXXX XXXX, And Equifax has 15 days to provide me with the name of the person spoken to, documentation used, signed application with consumer wet ink signature. the consumer is NOT asking for an e-oscar report, If XXXX, XXXX XXXX, And Equifax do not have documentation to show these were in fact authorized they must be removed ASAP. Said company is liable under the SEC to follow certain rules, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I will be filing form XXXX treasury omb forms to audit consumers ' accounts
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (FL)

Delinquency report dates vary when I call and across Bureaus thus there are errors. Accounts have reached 7 year statue of limitations of Florida and are in violation of it by not being removed. Additionally accounts are paid off and closed. Please help, I have been dealing with this for a long time without any success. 

Accounts XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-06
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)

The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX
Consumer complaint received 2023-12-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (TN)

I logged on to Equifax XXXX like I usually do and received a response saying that I needed to contact customer care, so I called and they assured me that the problem was resolved and that Ill have the freeze lifted for the time frame I requested. After ( 3 ) attempts on different days and ( 2 ) calls to customer care my credit remains frozen! Ive attempted to apply for new credit and was denied due to my credit being frozen!
Consumer complaint received 2023-12-28
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. (NY)

Social security number is XXXX On experian credit report theirs is negative item that's fraud on XX/XX/XXXX experian removed that item they all of sudden the next day on XX/XX/XXXX it re appeared on my experian credit report I have a federal trade commission identity theft report on file normally they will removed or blocked the negative fraud items their was a error when they added it back on my report
Consumer complaint received 2023-12-28
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 arrived in the US this XXXX, marking my first time in the country. In XX/XX/XXXX, I attempted to apply for my first US credit card with XXXX, only to be rejected due to an outstanding bill on a credit card reported in my Experian credit report. This was surprising as I had just arrived in the country and had no prior credit history in the US. 

Upon creating an Experian account using my personal information and newly issued SSN, I discovered that Experian had erroneously linked me to an existing account belonging to someone else. This account, which had similar ( but not identical ) personal information, included a credit card from XXXX XXXX XXXX with an outstanding bill from XX/XX/XXXX. Notably, this credit card was issued in XXXX, a time when I was not present in the US. 

Despite providing Experian with comprehensive personal documentation ( including my passport, State ID, Bank Statement, police report, SSN, past two years ' mailing addresses, full name, DoB, US-government-issued XXXX XXXX XXXX ), my efforts to dispute this error have been unsuccessful. Experian 's reasons for rejecting my dispute include a lack of sufficient proof from my side and XXXX XXXX  XXXXXXXX XXXX confirmation of the credit card 's validity. First reason that Experian gave is that I didn't give enough materials that can prove myself, but I indeed submiited all the documents required by Experian, including my passport, State ID, Bank Statement, police report, SSN, past two years 's mailing address, full name and DoB ( even my US-govern-issued XXXX XXXX XXXX ). Second reason is that they told me that XXXX confirmed that that credit card is 'valid ' so they can not remove it from my Experian credit report. But it does not belong to me. 

Given these circumstances, I believe my situation falls under the purview of the Fair Credit Reporting Act ( FCRA ), which mandates credit reporting agencies to provide accurate, fair, and private information. Under the FCRA, consumers have the right to dispute and demand correction of any inaccuracies in their credit reports. The Act obligates credit reporting agencies to investigate consumer disputes and correct or delete inaccurate information within a reasonable timeframe. 

Furthermore, if identity theft is a factor, the Identity Theft and Assumption Deterrence Act provides additional protections, making identity theft a federal crime and assigning specific responsibilities to the Federal Trade Commission ( FTC ) to assist victims. 

I am prepared to take legal action under these federal statutes to ensure the correction of my credit report and dissociate my identity from this erroneous account. I seek a complete removal of the incorrect credit record and a formal acknowledgment of this error from Experian. I also request ongoing credit monitoring services to prevent future inaccuracies and protect my credit status.
Consumer complaint received 2019-02-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (IL)

On XX/XX/XXXX I submitted letters to Equifax asking for validation of XXXX debts ( XXXX XXXX XXXX and XXXX XXXX ). This was my second request, I also asked that unauthorized inquiries be removed. I also included copies of my state issued drivers license and social security card with the letters. In XX/XX/XXXX I received correspondent back from Equifax requesting I send copies of my identity which would include a state issued ID card and social security card. During the month of XX/XX/XXXX I also was informed that a XXXX XXXX XXXX XXXX was being frozen because Equifax sent the company copies of my identification and notified them that I was disputing this account because it was fraudulent. This would be contradictory to Equifax reporting to met that they do not have copies of my identification and this is also incorrect information being furnished to XXXX XXXX. I did not dispute the account and Equifax does not have any correspondence from me that would suggest such. The inability to use this account has been an inconvenience.
Consumer complaint received 2024-05-04
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)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00}
Consumer complaint received 2023-11-01
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. (NC)

As per the FCRA Section 611 ( 15 U.S.C. 1681 ( l ) ) and the approved Metro 2 data file reporting standard, I possess the authority to contest any inaccurate information found on my credit report. Before being made available for use by creditors, all information contained in a consumer 's file must be appropriately documented and verified. I therefore consider this to be a severe issue. I'm resolved to fight back with all of my strength because the accusations of delinquency and negative information about me are completely untrue. I won't tolerate any false information being connected to my name or financial background! The accuracy of your credit report is crucial. The allegations listed do not meet the federal or state requirements for reporting and can not be substantiated. I challenge these claims due to their failure to comply with basic reporting standards, which would provide me with greater confidence in the accuracy of the information presented. It is your responsibility to maintain and report data with complete accuracy and compliance. You must not report any claims that you know do not meet regulatory requirements. It is crucial that we ensure all claims are accurate and reported in the appropriate format as mandated by the Fair Credit Reporting Act ( FCRA ) and reporting standards such as METRO 2. I kindly request that you handle this matter with utmost care and diligence. 
XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Collection {$360.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Collection {$500.00} XXXX XXXX Collection {$500.00} XXXX XXXX Charge-off {$1300.00} XXXX XXXX Charge-off {$9200.00}
Consumer complaint received 2023-11-15
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. (TN)

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. XXXX XXXX XXXX Balance Owed : {$280000.00} ; XXXX XXXX Balance Owed : {$23000.00} ; XXXX XXXX XXXX Balance Owed : {$5400.00}.
Consumer complaint received 2024-05-06
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)

Account Name : XXXX XXXX XXXX Account # XXXX Balance : {$140.00} I am writing to file a formal complaint against XXXX, XXXX, and Experian regarding inaccurate and unverified information on my credit report. Pursuant to the provisions of the Fair Credit Reporting Act ( FCRA ) [ 15 U.S.C. 1681 et seq. ], it is imperative that the information reported by credit bureaus be accurate, verifiable, and fair. Additionally, I bring to your attention the relevant laws of the State of Florida, particularly the Consumer Collection Practices Act ( FCCPA ) [ Florida Statutes XXXX ], which outlines stringent regulations concerning debt collection practices and the obligation of creditors to provide documentation verifying debts upon request. 

Despite numerous attempts and disputes, I have not received proper documentation or verification from either the debt collector or any of the aforementioned credit bureaus regarding the disputed account. This lack of verification is a blatant violation of my rights under both federal and state law. The inclusion of this inaccurate account on my credit report has had severe repercussions on my financial standing and has detrimentally impacted various aspects of my life, including but not limited to, my ability to secure favorable lending terms, obtain housing, and access other essential services. 

Therefore, I demand that the inaccurate account be promptly removed from my credit report in accordance with the FCRA and the FCCPA. Failure to rectify this matter expeditiously will compel me to pursue all available legal remedies to seek redress for the damages incurred as a result of the credit bureaus ' non-compliance with statutory requirements. 

I trust that you will treat this matter with the seriousness and urgency it warrants and take immediate action to rectify the inaccuracies on my credit report. I look forward to receiving confirmation of the removal of the disputed account immediately. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-05-06
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. (IL)

I want to be absolutely clear : I did not approve these transactions to be in my consumer report, neither in writing nor verbally. So, I formally ask to block and remove them from my record. This isn't a mistake, nor is it based on any misrepresentation. These transactions were included without my clear consent or instruction. I'm stressing this to show how serious my request is. It's based on accurate info, and I'm not trying to deceive or manipulate the situation.
Consumer complaint received 2024-06-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

There are fraudulent hard inquiries on my credit report. Please remove these inquiries immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-05-06
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. (VA)

It has come to my attention that my credit information has been furnished by your agency without my authorization, in direct contravention of section 15 U.S. Code 1681b ( a ) ( 2 ). This section unequivocally requires my written approval prior to the dissemination of my credit report. The absence of my consent in this matter not only violates federal law but also disregards my personal rights to privacy and control over my financial information. 

Given this unauthorized action, I demand the prompt removal of all inaccurately reported information from my consumer report. Should these issues remain unaddressed, I am prepared to seek reparation through legal channels, including but not limited to, initiating a claim for damages in small claims court. 

I have taken the necessary steps to report this breach of the FCRA to the Consumer Financial Protection Bureau, the Attorney Generals Office, the XXXX XXXX XXXX, and the Federal Trade Commission. This escalation is aimed at ensuring comprehensive resolution and to prevent further misuse of my personal information. It is my hope that by involving these regulatory bodies, we can facilitate adherence to legal standards and protect the rights of consumers like myself.
Consumer complaint received 2024-05-06
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. (AZ)

I have requested documents from the companies listed. They first sent verification papers but no original purchase agreement nor did I receive 1099 information for my taxes because the account was written off on taxes and they never sent the 1099 as requested.I want these accounts deleted as soon as possible for violations of the FCRA
Consumer complaint received 2024-05-06
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. (WI)

I pulled my reports and seen that account was reporting that I am not aware about - I did send out multiple letters to the company along to all 3 credit agencies to verify this information- I keep getting pregenerated responses from the agencies which is insane- I have provided all proof that Is needed to get this removed from my report
Consumer complaint received 2024-05-06
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. (MO)

I have been disputing the same inaccurate accounts on Experian, XXXX, and XXXX for over a year now. I have also spoken with creditor companies about inaccurate accounts and asked that they be removed. The creditors are refusing to remove inaccurate accounts and continues to update accounts rather than remove them. Due to this injustice by creditors my financial opportunities have taken a severe downfall, its holding back my credit score and credit opportunities. My security information has been breached on Experian Creditors account several times and no action has been taken by Creditor.
Consumer complaint received 2024-05-06
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. (NJ)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I AM A NATURAL PERSON. This dispute is not being made by a third party I am physically submitting this dispute as a real person. 
These inquiries in my credit file are from unauthorized use of my social security number and card. I did not authorize these inquiries to be taken out in my name nor they relate to anything I did. I'm unaware of any of these inquiries. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc. (OH)

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB XXXX FTC and my Attorney General. 

XXXX XXXX Collection {$15000.00} XXXX XXXX XXXX XXXX XXXX XXXX Collection {$26000.00} XXXX XXXX XXXX Charge-off {$5900.00} XXXX XXXX Repossessions {$10000.00} Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate. 
C - Conduct reasonable investigations of consumer disputes According to XXXX, in order to make a lawful report, you must follow the Metro 2 compliance standards. 

Also as stated in the XXXX Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards.