davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-19
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Payward Ventures Inc. dba Kraken (FL)

[ Kraken Stole My XXXX Crypto Deposit ] On XX/XX/2023, I deposited unsupported crypto in my Kraken wallet. Just to clarify, this is not about me making a mistake sending crypto to an unsupported chain/network/address. I made the exact same type of deposits at other exchanges and had no issue. It's just Kraken. 

K

raken is exercising control over personal property belonging to me and is interfering with my right to possess it. Nothing in Krakens Terms of Service states that any unsupported deposits will be forfeited. Therefore, I am requesting that Kraken return my personal property in a reasonable amount of time in order to prevent any further financial stress.
Consumer complaint received 2024-04-10
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 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 : acct # XXXX, XXXX XXXX services : acct # 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 a 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 2024-04-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NJ)

I sent a dispute to the major credit bureaus disputing the inaccurate information on my credit report regarding XXXX  XXXX, account number XXXX. 

Despite the clarity and detail provided in the Credit Bureau XXXX, the Account continued to appear on my consumer report with inaccurate information. 

Upon information and belief, the credit bureaus forwarded my Dispute to XXXX  XXXX. 

Upon information and belief, XXXX  XXXX received notification of my credit bureau dispute. XXXX XXXX did not conduct an investigation, contact myself, contact third parties, or review underlying Account Information with respect to the disputed information and the accuracy of the XXXX  XXXX Account. 

Upon information and belief, XXXX  XXXX failed to instruct the credit bureaus to remove the false information regarding the XXXX  XXXX Account reporting on my consumer report. 

The credit bureaus did not conduct an investigation, contact myself, contact third parties, or review underlying account information with respect to the disputed information and the accuracy of the XXXX  XXXX Account. 

The credit bureaus employed an investigation process that was not reasonable and did not remove the false information regarding the Account identified in my Dispute. 

At no point after receiving the Credit Bureau Disputes did XXXX XXXX and/or the credit bureaus communicate with me to determine the veracity and extent of my disputes. 

The credit bureaus relied on its own judgment and the information provided to them by XXXX XXXX rather than grant credence to the information provided by myself. 

The credit bureaus published the false information regarding the XXXX  XXXX Accounts to third parties.
Consumer complaint received 2023-12-25
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)

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, XXXXXXXX XXXX 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 XXXX XXXX XXXX XXXX, 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 2024-04-10
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)

TO WHOM IT MAY CONCERN, I AM A VICTIM OF ID THEFT ; THOSE ACCOUNTS ARE NOT MINE. ( XXXX XXXX XXXX XXXX  FOR {$5300.00} OPENED XX/XX/XXXX ) ( XXXXXXXX XXXX  FOR {$130.00} OPENED XX/XX/XXXX ) ( XXXX XXXX XXXX FOR {$710.00} OPENED XX/XX/XXXX ) ( XXXX XXXX XXXX FOR {$810.00} OPENED XX/XX/XXXX )
Consumer complaint received 2024-04-10
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)

Title 15 of the United States Code ( 15 USC ) Section 1681 pertains to the Fair Credit Reporting Act ( FCRA ), which addresses the accuracy of information reported by consumer reporting agencies ( CRAs ). This law regulates how CRAs collect, maintain, and report consumer credit information, aiming to ensure fairness, accuracy, and privacy in the credit reporting system. It outlines consumers ' rights to dispute inaccurate information on their credit reports and mandates that CRAs must investigate and correct or delete any disputed information found to be inaccurate or incomplete. 
My name is XXXX XXXX XXXX and Experian has my name XXXX XXXX which is wrong and needs to be update to XXXX XXXX XXXX like the XXXX and XXXX has.my date of birth is XX/XX/1981 Experian has it XX/XX/1981 its wrong. 
XXXX has my employer direct deposit and XXXX has XXXX and that is wrong need to be updated. 
XXXX  # XXXX original balance is wrong has {$10000.00} for XXXX and {$5300.00} for Experian the limit is wrong and needs to be taken off my report. The last payment is wrong. 
XXXX # XXXX open dates are wrong on XXXX  and Experian and needs to be removed. 
XXXX  XXXX # XXXX original balance is wrong on XXXX {$800.00} and XXXX is {$750.00} last payment is wrong on all 3 agency and needs to be removed off my report. 
XXXX XXXX # XXXX open dates are wrong on XXXX and Experian shown XXXX different dates and need to be removed of my report.also the past due is showing XXXX different amounts. 
XXXX XXXX XXXX  # XXXX open dates are showing XXXX different dates XXXX and XXXX and report dates are both off and needs to be removed off my report. 
XXXX # XXXX loan terms are showing XXXX different years on XXXX and XXXX. Reporting dates are both wrong on XXXX and XXXX and needs to be removed off my report. 
XXXX XXXX XXXX need to be removed courts does not send any data to credit agencies and need to be remove due to privacy
Consumer complaint received 2023-12-19
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: TD BANK US HOLDING COMPANY ()

For years I have been trying to close my account. I had XXXX dollars and I wanted to transfer the money out. They will not talk to me on phone because I dont have my old phone number. I am overseas. I ased if there is any other way to verify and they said no. Only my phone number from 10 years ago, They emptied my account of XXXX dollars and now say I owe them XXXX dollars from fees
Consumer complaint received 2023-05-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. 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 2019-11-13
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: Experian Information Solutions Inc. (FL)

XXXX, experian and XXXX  have accounts on my credit report that are not mine/inaccurate. 

accounts : XXXX Account : XXXX**** Investigate Ownership : I have no knowledge of this account THIS IS NOT MY ACCOUNT. PLEASE DELETE. 
Creditor : XXXX XXXX Account : XXXX**** I have no knowledge of this account THIS IS NOT MY ACCOUNT. PLEASE DELETE. 
Creditor : XXXX XXXX Account : XXXX**** I have no knowledge of this account THIS IS NOT MY ACCOUNT. PLEASE  DELETE. 
Creditor : XXXX XXXX Account : XXXX**** I have no knowledge of this account THIS IS NOT MY ACCOUNT. PLEASE DELETE
Consumer complaint received 2024-07-23
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. (MO)

I have noticed some unauthorized inquiries and negative items and numerous inaccuracies on my consumer credit report by the following companies. 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
Consumer complaint received 2023-03-28
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: Experian Information Solutions Inc. (CA)

This is my XXXX  endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 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 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 XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-10
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. (IL)

On XX/XX/2024 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later i have not recieved a repsonse yet. I feel like i'm being taken advantage of and being ignored of my disputes section 611 ( a ) it is plainy stated that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-07-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (SC)

Some open a credit card in my name and used the balance and never made a payment at a different address and only realized because checking my credit report and called the company. It was identity fraud Ive tried disputing but have had no luck
Consumer complaint received 2024-04-10
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

XXXX Go toMake paymentfor BankAmericard Visa Platinum Plus - XXXXGo toTransfer funds DateDescription $ Amount XX/XX/2024 XXXX  XXXX CA {$9.00} IT IS FRAUD. 

ACCOUNT FROM XXXX XXXX XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX THE APPS COMPANY DEBITED WITHOUT MY AUTORIZATION THE AMOUNT OF {$9.00} IF I DO NOT STOPPED IT I WILL EXPERIMENT EVERY MONTHS THE AMOUNT MENTIONATE IN THIS COMPLAINT. HELP ME TO BACK {$9.00} PLEASE. TO MY ACCOUNT VISA BANK OF AMERICA
Consumer complaint received 2023-05-02
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: Mid-Atlantic Finance Co., Inc. (FL)

I have been dealing with this issue since 2016 Im a victim of identity theft XXXX!!!! I have been catching XXXX trying to prove my identity Ive been contacting all credit bureau after credit bureau to get this fixed and Im not getting any help I found helpful information a few days ago about a data breach with my social security number being exposed and was able to get this contact information my credit has been messed up I literally found out Sunday someone also has a home in my name living in California!! As stated earlier I have made police reports sent in dispute letters complaint and trying to prove things on my credit report are NOT ME!!!! Please help me with these issues its gone on far to long
Consumer complaint received 2024-07-23
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. (NM)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2023-03-28
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (GA)

I have repeatedly informed XXXX, XXXX, and Experian of inaccurate information that's being reported on my credit file. The first dispute was sent to all three bureaus on XX/XX/2022. I did not receive a response from my dispute. I also sent a dispute to the company furnishing inaccurate information to the credit bureaus, but still -- I did not receive a response. I repeated this dispute in XXXX of XXXX, and again in XX/XX/2022. Still no response. 
The inaccurate information has prevented me from being approved for a mortgage. I ask that CFPB investigate this matter on my behalf.
Consumer complaint received 2024-07-23
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. (AZ)

Experian, XXXX and XXXX all have misinformation on me. 

Social Security Numbers ending in XXXX, XXXX, XXXX, and XXXX are not mine. 

XXXX XXXX is not my spouse XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXXXXXX, AZ XXXX None of these are addresses I ever lived in. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX None of these are my name
Consumer complaint received 2023-03-28
Product: Credit reporting, credit repair services, 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. (TX)

Dispute Letters ( XX/XX/XXXX ), a Follow-up Letter ( XX/XX/XXXX ), a third Follow-Up Letter ( XX/XX/XXXX ), and a Fourth Notice of Intent to File a Formal FTC Complaint ( XX/XX/XXXX ). In total, I have sent four letters asking for a correction to my credit report.

To date, I have had to dispute incorrect medical collections along with inquiries that are not mine four times. On different occasions, I have received responses from all three credit bureaus with resolutions being removed/deleted from my credit report. 

The inquiries 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 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 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 2024-04-10
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. (UT)

XX/XX/XXXX, While I was overseas, an account with XXXXXXXX XXXX was opened fraudulently in my name and charges were applied without my authorization or knowledge XX/XX/XXXX, I was made aware of the charges through reviewing my credit report. I disputed the charges with XXXX and the Credit reporting agencies, informing them that it was not my account and was opened as a result of Identity Theft, and continued to dispute for months XX/XX/XXXX, I filed an FTC Identity Theft Report and submitted it to XXXX and the credit reporting agencies. Experian blocked the information on my account and then reinserted the information a few weeks later without sending me any written confirmation within 5 business days of reinsertion, which is a violation of 15 U.S. Code 1681i - Procedure in case of disputed accuracy. Additionally, I was never notified of an investigation or its results which is a violation of 15 U.S. Code 1692g - Validation of debts. 


XX/XX/XXXX, I sent another letter to XXXX with a copy of the ID theft report. As well as written disputes to each credit reporting agency. Again, Experian blocked the information on my account and then reinserted the information a few weeks later without sending me any written confirmation within 5 business days of reinsertion, which is a violation of 15 U.S. Code 1681i - Procedure in case of disputed accuracy. Additionally, I was never notified of an investigation or its results which is a violation of 15 U.S. Code 1692g - Validation of debts. 


XX/XX/XXXX, I sent another dispute to the credit reporting agencies, requesting to remove the inaccurate information. Once again, Experian blocked the information on my account and then reinserted the information a few weeks later without sending me any written confirmation within 5 business days of reinsertion, which is a violation of 15 U.S. Code 1681i - Procedure in case of disputed accuracy. Additionally, I was never notified of an investigation or its results which is a violation of 15 U.S. Code 1692g - Validation of debts. 


This illegal activity by Experian as well as XXXX has prevented me from obtaining housing, a vehicle loan, and investing in real estate and businesses.
Consumer complaint received 2024-04-10
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. (TX)

XXXX  XXXX for some reason is running my credit, a total of XXXX  times, i spoke with a representative last year about this same issue and she advised me to it would be deleted, here we go another year same issue
Consumer complaint received 2024-04-10
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. (AZ)

Hello on XX/XX/year> I submitted a request to experian to provide information about some personal information listed on my account and until this day they have yet to respond to my request to fix this. To my understanding they have 30 days but have yet to respond.
Consumer complaint received 2024-04-10
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)

I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter.

The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.
Consumer complaint received 2024-04-10
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. (LA)

I am writing to dispute certain hard inquiries that have appeared on my credit report obtained from your agency. After reviewing my credit report, I have identified the following hard inquiries that I know are inaccurate and should be removed : 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