davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-28
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)

I am sending this correspondence to address significant concerns regarding the accuracy of my credit report Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must delete immediately the account accounts listed below. 
Pursuant to the FCRA, a consumer report does not include any report containing information solely about transactions or experiences between the consumer and the person making the report. Any reporting of late payments or derogatory statuses is a direct violation of 15 USC 1681a ( d ) ( 1 ) as that information pertains to experiences any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within four business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report. 

Please investigate these matters and remove the disputed items as soon as possible.
Consumer complaint received 2024-08-21
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. (NY)

I have informed all third parties entities of the XXXX privacy rules clear and conspicuous notice of the financial institutions information sharing policies and practices. The privacy notice must be provided when a customer relationship is established.Providing customer the right to opt out of having their nonpublic personal information shared with non affiliated third parties.financial institutions must process opt-outs within XXXX days or refrain from disclosing account numbers or similar forms of access codes to any non affiliated third parties for marketing purposes..15 USC 6809 ( 4 ) 15 USC 6809 ( 3 ) Ive asked for the consent form and have been ignoredXXXX TRANSUNIONXXXX XXXX  are non-affiliated third parties entities. Im asking CFPB to enforce these laws under the Gramm-Leach-Bliley Act with authority.6809 ( 9 ) 17 CFR 248.124 15USC 6802 ( d )
Consumer complaint received 2024-04-28
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. (MS)

In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Has violated my rights.

-15 USC 1681 Section 602 A. States I have a right to privacy.

-15 USC 1681 604 a Section 2 It also states a consumer reporting agency can not furnish a account without my written instructions.

-15 USC 1681c. A. 5.SECTION States no consumer reporting agency may 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 then report by more than seven years.

-15 USC 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 2024-04-28
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, this creditor has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

I reviewed my Consumer Reports and noticed that I had late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : ( XXXX  ) : ( XXXX ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks.
Consumer complaint received 2024-04-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ATG Credit, LLC (GA)

This is not a good response. There is no delinquency. I do not have a contract to do business with ATG, I never had a balance with XXXX XXXX XXXX. Can you provide where XXXX even sold my account to them? No, you can't because I never had a balance. If you think this information is accurate, please provide me all contracts and bill of sale between XXXX and ATG so that this can be provided to my legal team. If this can not be provided, this needs to be removed from my credit profile.
Consumer complaint received 2024-04-28
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. (TN)

There was an account open in my name from XXXX XXXX in XXXX Texas. I have never been in Texas or lived in Texas. I filed a dispute with the company and with experian. Experians results say that it's going to remain on my credit till XXXX. 
I've lived and worked in Tennessee for atleast 4 years. I don't understand how this fraudulent account is going to stay on my credit report.
Consumer complaint received 2024-04-28
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, this creditor has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

I reviewed my Consumer Reports and noticed that I had late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : ( XXXXXXXX XXXX XXXXXXXX ) : ( XXXX ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks.
Consumer complaint received 2024-04-28
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)

I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/year>, and I have not yet received a response.
Consumer complaint received 2024-04-28
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, this creditor has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

I reviewed my Consumer Reports and noticed that I had late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : ( XXXX XXXX XXXXXXXX ) : ( XXXX ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks.
Consumer complaint received 2024-04-28
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)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2024-09-11
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. (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. 

XXXX XXXX XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 2024-02-14
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (TX)

XXXX  had sold this dept that was deemed not to be mine to another company. I disputed and it was removed immediately but it seems it was sold again for the exact amount that was never owned by me. I have prove of the the dispute that was already resolved and now is showing on my report again. Please help.
Consumer complaint received 2024-04-28
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. (FL)

I disagree with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately re-investigated ; the accuracies are highly injurious to my credit score. Account Name : XXXX XXXX XXXX XXXX XXXXXXXX, Account Number : XXXX, and XXXX. In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, please provide the names and business address of everyone with whom you verified the above so that I may follow up please send an updated copy of my credit report after your reinvestigation.
Consumer complaint received 2024-08-13
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HW Holding, Inc (NY)

I recently received notice that XXXX XXXX added a collection on my credit for {$1300.00}. I have no knowledge of what the collection is for. Accordingly, I request full documentation of this collection including any authorization signed for giving permission to use my social security number for purposes of collections.
Consumer complaint received 2024-04-28
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 have these inquiries. on my report that i never requested and they refused to delete and stated they have my signature but could never provide it but asking me to sign something and send it in so they can get my signature then. But I refused to sign anything but nee these inquiries removed asap according to FCRA. 
XXXX XXXX XXXX  XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-14
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AUSSRQ Holdings, LLC (NY)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX  XXXX, Iowa XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX I am writing to file a complaint against Oliphant USA LLC for violating several consumer protection laws, including 12 CFR 1006.34 ( b ) ( 5 ), 12 CFR1006.34 ( c ) ( 4 ) ( I ), 12 CFR 1006.34 ( d ), and 15 USC 1681-S2 ( 7 ) ( A ). I am requesting that the collection agency be removed from my credit report due to these violations. 

According to 12 CFR 1006.34 ( b ) ( 5 ), a debt collector is prohibited from making false or misleading representations about the character, amount, or legal status of any debt. However, Oliphant USA LLC has repeatedly misrepresented the amount of the debt owed, leading to inaccurate information being reported on my credit report. 

Furthermore, 12 CFR1006.34 ( c ) ( 4 ) ( I ) states that a debt collector must provide the consumer with a written notice containing certain information about the debt within five days of the initial communication. Oliphant USA LLC failed to provide this written notice, thereby violating this provision.

Additionally, 12 CFR 1006.34 ( d ) requires debt collectors to provide accurate information to credit reporting agencies. However, Oliphant USA LLC has consistently reported inaccurate information about the debt to the credit reporting agencies, resulting in a negative impact on my credit score.

Moreover, 15 USC 1681-S2 ( 7 ) ( A ) prohibits the reporting of inaccurate information to credit reporting agencies. Oliphant USA LLC has violated this provision by reporting inaccurate information about the debt, which has adversely affected my credit report.

I demand that Oliphant USA LLC be removed from my credit report immediately due to these violations of consumer protection laws. I also request that the collection agency cease all further collection activities and refrain from reporting any further inaccurate information to credit reporting agencies. Also, this is dated on my credit report for XX/XX/XXXX, but the statute of limitations in NY is 3 years. 

I appreciate your prompt attention to this matter and look forward to a resolution in a timely manner. Thank you for your assistance in addressing this issue. 

Showing on XXXX XXXX Acct # XXXX Sincerely, XXXX XXXX
Consumer complaint received 2024-04-28
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. (TN)

I had to come into reinvestigate this case and they fail to properly investigate now Im also they are hurting my credit. I believe they owe me money to them over {$1000.00} concerned by the CFPB reported damage not filing through in the report.
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXXXXXX XXXX XXXX Account Number : XXXX Account name : XXXX XXXX XXXX Account Number : XXXX Account name : XXXX XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2024-04-28
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. (TN)

In accordance to the Fair Credit Reporting Act Moneylion has violated my rights 15 USC 1681section 602 states that I have a right to privacy 15USC 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish an account without my written Instructions 15 USC 1666b A creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for and purpose
Consumer complaint received 2024-04-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

In accordance with 15 USC 1681, XXXX is not allowed to report any of my transactional history. XXXX did not respect my privacy per 15 US code 6801, per 15 US code 6802 I was supposed to receive an opportunity for non-disclosure/ opting out but I never have. I am also disputing the accuracy across all three Credit Bureaus per 15 USC 1681, dates on my reports are all different. Also per 15 USC 1681a late payments are illegal.
Consumer complaint received 2024-09-11
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)

Well I've been trying to improve my credit which has been going well until I paid for XXXX account and I notice on my TRANSUNION XXXX XXXX credit report, on inquiries I have a total of 4 inquiries that are not me, was not me, not authorized by me & I didn't apply for anything nor have I ever visited them locations in the United Statee of America where these businesses are located. I believe i am a victim of some form of fraud. It may not be full fraud but I believe a piece of my information is being leaked and used. 


The companies who allowed someone to use my private information are as follow : XXXX Inquiry date XX/XX/year> Ran two inquires on my XXXX report . 
Method : I tried contact the business but couldn't find contact information. ( Mail only ). 

-- - XXXX XXXX Inquiry date XX/XX/year> Ran a Inquiry on my TransUnion credit file. 
Method : I called the company to investigate but couldn't get through when I dialed the number. 

-- - XXXX XXXX date XX/XX/year> Ran Inquiry on my TransUnion credit file. 
Method : I attempted to call the company to investigate but couldn't get through when I dialed the number. 

> It's been two week since I've been trying to clear this matter up so that I could move forward with life. Any assistance is appreciated. Thank you so much.
Consumer complaint received 2024-04-28
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)

I looked at my report back on XX/XX/2024, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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. These accounts ( XXXX XXXXXXXX XXXX XXXX Account number XXXXXXXX XXXX XXXX Account number XXXX XXXXXXXX XXXX Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX Account number XXXXXXXX XXXX XXXX.Account number XXXX XXXX XXXX XXXX  Account number XXXX XXXX XXXX XXXX XXXX Account number XXXX open date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate