davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MI)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX MI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ; XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX : {$110.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$400.00} ; XXXX XXXX XXXXXXXX Balance : {$450.00} ; XXXX XXXX XXXX XXXX Balance : {$720.00} ; XXXXXXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance : {$360.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX XXXXXXXX XXXX ) XXXX : {$530.00} ; XXXX XXXX Balance : {$71.00} ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2024-05-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

I am writing to follow up on the ongoing issue regarding the removal of charge-off accounts from my credit report. I understand that rectifying such matters can be complex, but the repeated failure to address this issue is deeply concerning. The presence of inaccurate charge-off accounts on my credit report not only misrepresents my financial history but also undermines my creditworthiness and ability to access financial opportunities. 

I urge you to escalate this matter internally and allocate the necessary resources to expedite the removal of these inaccurate charge-off accounts from my credit report. Additionally, I request a thorough review of your company 's procedures to prevent similar inaccuracies from occurring in the future. I expect regular updates on the progress made towards resolving this matter and a commitment to transparent communication throughout the process. With this, I am asking for your assistance to remove these accounts in my credit file : 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 2024-05-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IN)

I reached out to this agency via certified mail, informing them of my identity theft victimization. However, to date XX/XX/year>, the agency continues to report details stemming from the identity theft incident. Section 605B, addressing the blocking of information resulting from identity theft, mandates that consumer reporting agencies notify furnishers, including financial institutions, when information may be linked to identity theft and an identity theft report has been filed.Here is the FTC report number XXXX along with a requested block. 

Upon receipt of this notification, Section 623 ( a ) ( 6 ) requires furnishers to promptly block any information in the consumer 's file identified as originating from identity theft, no later than four business days after receiving : 1. ) appropriate proof of the consumer 's identity ; ( 2 ) a copy of an identity theft report ; ( 3 ) identification of the relevant information by the consumer; and ( 4 ) a statement from the consumer confirming the information 's unrelatedness to any transaction initiated by them.

All four requirements were fulfilled by me and will be included with this complaint. However, the agency has failed to comply with the requirement of FCRA 15 U.S. Code 1681c2 to block the reporting of the identified information in my file within the prescribed four business days of receipt. This failure constitutes a violation of the law, rendering the agency civilly liable to me for willful noncompliance under 15 U.S. Code 1681n for any actual damages I have incurred as a result of this oversight.
Consumer complaint received 2024-05-06
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 Fair Credit Reporting act consumer rights have been violated. The accounts listed below have violated my federal given consumer rights to privacy amongst other things. 
XXXX XXXX XXXX Account # XXXX. 
XXXX XXXX XXXX Account # XXXX. 
XXXX XXXX XXXX Account # XXXX. 
XXXX XXXX XXXX Account # XXXX. 
XXXX XXXX XXXX -- Account # XXXX. 
15 USC 1681a ( 2 ) ( a ) ( i ) states the consumer reporting agencies can furnish a reporting under the following instructions : in accordance with the written instructions of the consumer to whom it relates. I never gave them written instructions to report the accounts listed above to my consumer report. 15 USC 1681 section 602 A ( 4 ) states I have the right to privacy. 15 USC 1681s-2 ( A ) states that A person shall not furnish any information relating to consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-05-23
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. (MI)

DESPITE MY PERSISTENT EFFORTS TO CONTEST THE INACCURACIES IN THE INFORMATION PROVIDED TO XXXX, AND TRANSUNION, UNFORTUNATELY, THE UNAUTHORIZED INQUIRIES STILL REPORTING IN MY CONSUMER REPORT WHICH VIOLATES MY RIGHTS AS CONSUMER. 

THE FOLLOWING INQUIRIES ARE NOT AUTHORIZED : XXXX. 
XXXX. The inquiry was not authorized CARD ASSET Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

TRANSUNION XXXX. The inquiry was not authorized CARD ASSET Date of inquiry : XX/XX/2023 Please remove it from my credit report.
Consumer complaint received 2024-05-01
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. ()

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-05-07
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. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-05-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-06-03
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. (CA)

I appreciate your time to REMOVE some of the inaccurate items in my file that resulted from problems caused by inaccurate credit information, but I still have ITEMS left that needed to be removed. This is my new attempt to dispute an inquiry in my credit file which resulted from an incorrect credit report details. Again, Im sending over an Identity Theft Report # XXXX. Pursuant of FCRA section 605B ( a ) ( 1 ) ( 2 ) you are required to remove any information in my file that resulted from an alleged identity theft, not later than 4 business days after the date of receipt with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report. 
EXPERIAN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX4. Please note that you have 4 business days to remove the reporting of any items in my credit file that resulted from an incorrect credit report details. I do not consent to XXXX or any means of automated verification.
Consumer complaint received 2024-05-01
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. (IL)

In accordance with the fair credit reporting act this creditor has violated my rights under 15USC 1681 Section 602 states I have the right to privacy.15USC 1681 Section 604a Section 2 also states the consumer reporting agency can not furnishan account without my written instructions. Under 15USC 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.
Consumer complaint received 2024-05-01
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. (GA)

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.
Consumer complaint received 2018-10-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (PA)

My experience is very likely a common one, but it should not be. 

I am a XXXX XXXX. I am therefore, well educated, well paid. I have a good FICO score ( XXXX, yesterday ). 

Recently, I had moved to XXXX for a new job. I wanted to obtain Internet services and XXXX checks Credit score. ( a separate complaint is being filed in this regard ). Because my address obviously changed with the move I am unable to automatically unfreeze the credit freeze that I have with the credit reporting agencies. I was asked by XXXX to contact Experien to unfreeze my credit. 

I called the number provided, when XXXX  for " unfreeze credit, experien '' Whomever you are, no matter what your station in life, sometimes you have to call these companies that profit from the information that they collect about us, without our consent. I urge you to do what I did, XXXX, find the number, and try to call them. You will see how obfuscating, how remarkably, breathtakingly impossible to talk to a human being using that number. I tried calling 8 times, each time holding for nearly 25 minutes or so, trying to navigate the phone tree. Because I am trained as a XXXX, in fact I went through all the options that are given. In the end, the same recorded message comes : " we are unable to verify you. Please write to experien with blah blah.. '' Obviously, if one writes, it will take 10 business days or more, and then, another 10 business days to get a reply, if they ever do. So, I decided to give up. This is just to get internet, which, these days, is a utility. Even in XXXX, or XXXX XXXX, or in XXXX, it is much easier to obtain internet, without having to sell the flesh of our children to these companies. Why are the credit reporting companies in the US so uncivilized baffles me. 

Anyway, I am asking CFPB to investigate this issue and reprimand, and also take corrective actions against credit reporting companies. I do this, because, if I as a highly educated, resourceful person can't navigate their phone line, most of my fellow citizens absolutely can't. That is simply immoral. 

I propose a corrective action, so that reaching a human operator for credit freezes, unfreezes is simple and straightforward. For example, they can have a branch in the phone tree that says, if you recently change address, press x to reach a human operator. 

Thank you.
Consumer complaint received 2024-06-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (NJ)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct. 
FXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

An unauthorized inquiry appears on my credit report. I have contacted the reporting agency, XXXX XXXX XXXX. XXXX XXXX sent me the letter stating they'd remove the trade line from my report. The letter is attached. The confirmation of deletion is attached to this complaint.
Consumer complaint received 2024-05-01
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 filed a complaint # XXXX which is still open on XXXX XXXX XXXX account XXXX XXXX and account # XXXX where these two accounts show as charge offs with a balance showing. A charge off eradicates the debt and l have never received a Form 1099-C on either account
Consumer complaint received 2024-05-01
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. (SC)

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, has violated my rights. 


15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-05-06
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: EQUIFAX, INC. (MD)

ILOST my wallet along with my SSN card long ago. I am a victim of identity theft I have obtained a copy of my credit report with XXXX XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the account listed below are not connected to my current address. The information listed in this letter, which is reporting to my credit does not relate to any transaction ( s ) that I have made. It is the result of identity Theft.
Consumer complaint received 2023-03-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: MOHELA (GA)

I was notified XX/XX/XXXX about my server loan company Mohela will be notified about the case resolved with sweets vs Cardona This means my student loans will be deleted per my school-involved XXXX XXXX XXXX and that I will no longer have to make payments to the loan server to where my account was transferred from XXXX most recently. Mohela as the new server will remove all debts owed and shown on file to notify all credit bureaus about the news from the case mentioned above to remove such notices and amounts shown on my credit report. Therefore, once the cr bureau is notified my score is to increase as it never did before with the existing student loans on file. I never owed this outrageous amount. Charges in interest by DEPT OF EDU. My father had died as a militant man and I had a parent loan which he paid. Someone changed my student loan to a single loan from a parent loan and I learned that you can not do such a thing to any student. Besides that, the school XXXX convinced me and other students ( while other schools are involved ) that I/we will make over a certain amount like XXXX working in our graduate field. Bigotry was also a part of the school 's lack of integrity and advertising to gain loyalty. Upon my father 's death, he made sure my loans were paid in advance. The school then charged erroneous payments for out-of-state fees and dorm fees, which I was in a state with a driver 's license and address in Georgia where I lived in and out of the dorm but merely, but I was overcharged at XXXX a year for XXXX yrs when my father had paid the bill before me graduating. Nevertheless, I completed the XXXX Borrowers defense application in XX/XX/XXXX ordered by President Biden. This announcement also affected the sweets vs Cardona case win and resolution on XX/XX/XXXX! I also mailed you a letter from dept of Edu! And called you last 2 weeks ago.
Consumer complaint received 2024-05-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

I paid the XXXX account through XXXX and received a settlement letter. However, the XXXX hasn't updated the correct balance. Despite confirming my XXXX balance over the phone, they keep reporting otherwise to credit bureaus. I received written confirmation of my account status. I've also disputed this issue with Experian several times, but without success.
Consumer complaint received 2024-05-01
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. (NJ)

I am writing to express my concern regarding the inaccurate negative items on my credit report. I have submitted multiple complaints to the credit bureaus requesting verification of these items, as per the Fair Credit Reporting Act ( FCRA ) Section 609. However, despite my repeated requests, I have not received the necessary proof to validate these entries. According to FCRA Section 609, if verification is not provided, the credit bureaus are obligated to remove these disputed items from my credit report. I kindly request that the credit bureaus promptly investigate and rectify this matter in accordance with the FCRA guidelines to ensure the accuracy of my credit report. Thank you for your attentiontothisissue. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Consumer complaint received 2024-05-01
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. (CA)

The letter indicates that there is a disputed account on my credit report, which I claim was not authorized by me. Despite numerous attempts to resolve the issue by requesting validation of the debt, the company in question has failed to provide any satisfactory evidence of the debt 's legitimacy. I assert that I have no legal obligation to pay the alleged debt and have taken steps to address the matter with both the creditor and the credit bureaus.
Consumer complaint received 2024-05-01
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. (MI)

I pulled a copy of my credit report and noticed fraudulent accounts that were not authorized by me. Pursuant to 15 USC 1681B-2, 15 USC 1681A ( 4 ) and more specifically 15 USC 1681c-2 these fraudulent entries must be DELETED IMMEDIATELY due to idenity theft. Please DELETE the following fraudulent accounts : Accounts : 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  PLEASE DELETE THESE FARUDULENT ACCOUNTS. SEE FTC COMNPLAINT ATTATCHED.

THESE FRAUDULENT ACCOUNTS MUST BE DELETED PER 15 USC 1681C-2.