davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-07
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. (TX)

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 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 an 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.

Delete All Inaccurate Accounts
Consumer complaint received 2024-05-07
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. (GA)

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 XXXX XXXX XXXX. 

Account Name :XX/XX/XXXX Account Number : XXXX Account Name :XX/XX/XXXXAccount Number : XXXX Account Name : XX/XX/XXXX XX/XX/XXXXAccount Number : XXXX Account Name :XX/XX/XXXX Account Number : XXXX and list of Inquiries. 

XXXX XXXX XXXX section XXXXXX/XX/XXXX. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXXXX/XX/XXXXSection XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXXXX/XX/XXXX 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 XXXX years. 

XXXX U.S.C. XXXXXX/XX/XXXXA 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 2023-04-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

Due to your continued willful disregard of the law I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted within10 days. 
A copy of this letter as well as copies of the XXXX previously written letters sent to you by certified mail with proof of delivery will also become part of a formal complaint to the Consumer Financial Protection Bureau. They will also be submitted as evidence in pending litigation provided you fail to comply with this offer of settlement. 
The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 
In order to avoid legal action I demand that you delete all of the unverified accounts listed below immediately. Please provide me with a copy of an updated and corrected credit report showing that these items have been deleted. 
Account XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-02-06
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. (NC)

I am a victim of identity theft and have been working with Experian to correct fraudulent accounts. I submitted my police report, contacted XXXX XXXX XXXX XXXX who explained that I needed to contact Experian to remove the fraudulent account. 

Experian is currently reporting XXXX XXXX XXXX XXXX, which is a fraudulent account to my credit report. I have tried several times to resolve this issue and have been unsuccessful. 

I have asked Experian several time to verify the verification system which they are using, and they have failed to provide me with the information.
Consumer complaint received 2024-06-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AZ)

I am disputing and investigating these wrong accounts on my credit file. I should get {$1000.00} for each mistake under the Fair Credit Report Act. FCRA 605B says we must report wrong accounts on a credit report.
Consumer complaint received 2023-04-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am writing to delete the following information in my file. The items I need to delete are listed in in the report. I am a victim of identity theft and I did not make the charge. I asked that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission Identity theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2024-07-28
Product: Credit card — Store credit card
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: CITIBANK, N.A. (NJ)

In XXXX of XXXX  I had built my credit score to XXXX. Unfortunately, I noticed that there were several irregularities with 3 bank accounts. XXXX XXXX someone charged approximately {$3000.00} which was quickly resolved by the bank and they said it was clearly fraud. XXXXXXXX XXXX was the same issue, I not only had a great score but my balances were reduced due to a {$30000.00} pay increase and XXXXXXXX XXXX wiped out {$5000.00} in charges in a XXXX second call. I had a Best Buy Card backed by Citibank. It had no balance going into 2022 or at least the very beginning. XXXX initially said no problem, we will resolve this. I was just told not to worry. I was never told to do anything. The charges were aligned with the other bank issues where someone spent more than {$2000.00} in XXXX. I dont live in XXXX and I dont work there and I have not been there in years ; especially since COVID. 
I heard nothing from anyone until XXXX, well over 30 days and 90! I only knew about it because they sent me a late payment letter. 
I never missed one payment on my Citibank card or Best Buy which again was paid off going into the year. 
I was told that I didnt get cleared by someone in their fraud department because I didnt file a police report. 
I did so immediately but they said even if I did it immediately there wasnt much they could do. 
I sent forms to Best Buy/Citi stating that the day of the transaction was the same day as I started a new job and that I was not in XXXX that day. They claimed that they called me and I approved the transactions. It was a laptop and headphones. My company provided me a laptop so I dont know why I would go to XXXX to buy a laptop the first day of my new job! And I also sent my phone records for the day and I didnt see any calls. Even if they did theres still a probability that I didnt get it or ignored it or any number of reasons like rushing another junk call off the phone. I would not have approved if I knew.
Consumer complaint received 2023-04-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.
Consumer complaint received 2024-06-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NC)

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 2024-07-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

To whom it may concern : I am a victim of identity theft and XXXX XXXX 
I write to dispute certain information in my file resulting from the crime. Just so you know the items I am disputing do not relate to any transactions that I have made or authorized. Please make Experian comply with the Fair Credit Reporting Act and remove these fraudulent accounts from my Credit file. 
XXXX fraudulent accounts are showing up on my Credit Report, these accounts are : XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX 
XXXX fraudulent account 's ( XXXX XXXX XXXX ) opening date is XX/XX/XXXX ( When I had not even stepped foot in the United States, had no Identity, and no Social Security Number ). I arrived in the United States as a XXXX in XX/XX/XXXX. It was physically and scientifically impossible for me to open that account. You can see that my Social Security Number was issued after the opening date of this fraudulent XXXX XXXX  XXXX account. 
I entered the Country for the first time back in XX/XX/XXXX and before that, I was XXXX  and XXXX out of XXXX because of Political Problems and into XXXX until I finally came to the United States. A lot of people had access to my Passport/Identity documents along the way, which put me at extreme risk of Identity theft and for my sensitive documents to be compromised. 
The above XXXX items are inaccurate because they do not belong to me, are fraudulent, unauthorized by me, and are a direct result of criminal Identity theft. 
I have only ever opened and authorized XXXX XXXX XXXX in my lifetime, they are both from XXXX XXXXXXXX opened in XXXX, and those plus XXXX auto loans are the entirety of my CORRECT and AUTHORIZED Credit History. 
As required by section 611 of the Fair Credit Reporting Act, 15 U.S.C. 1681i, to section 605B of the Fair Credit Reporting Act and section 605C of the Fair Credit Reporting Act ; I am requesting that the XXXX fraudulent items be fully removed. 
Attached are Proof of my Identity and address, copies of the Police report, an Identity theft report supporting my position, first issued Social Security number demonstrating that the fraudulent XXXX XXXX XXXX account was opened before even I arrived in the country and had a Social Security number. Also attached is my XXXX XXXX by the Department of Homeland Security XXXX years ago proving that I was an XXXX  and victim of XXXX 
Please have Experian comply with section 611 of the Fair Credit Reporting Act, 15 U.S.C. 1681i, section 605B of the Fair Credit Reporting Act, and section 605C of the Fair Credit Reporting Act and delete the disputed items as early as possible.

It seems unfair that the only way for me to get these off my Credit report is to file a lawsuit against Experian. 
I hope that the Consumer Financial Protection Bureau can end this never-ending nightmare for me. 

Thank you, XXXX XXXX
Consumer complaint received 2024-06-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

I submitted a credit repair request to a company, but they still failed to respond within the XXXX timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB to address the situation and protect my rights as a consumer.
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: Experian Information Solutions Inc. (GA)

XXXX XXXX  -- LATE PAYMENT REPORTED dating back further than XXXX  years XXXX XXXX  -- -Late payments reported dating back further than XXXX years XXXX XXXX XXXX Late payments reported dating back further than XXXX years reported to XXXX XXXX and Experian to correct -- deletion of late payment history
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (AZ)

On XX/XX/XXXX there was a letter sent to Experian asking them to verify what I believe to be incorrect information reporting to my credit report. I have sent this letter and know it has been delivered but I have yet to get a response from this company about the investigation into this matter.
Consumer complaint received 2023-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

There are last payments being reported on my Credit Report XXXX XXXX XXXX XXXX ( XXXX  ) Acct # XXXX Late Payment : XX/XX/2022 XXXX
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: Experian Information Solutions Inc. (TX)

The contrast between my consistent on-time payments for this account and the distress caused by the inaccurate late payment entry is stark. Maintaining punctuality has been my unwavering commitment, and this inconsistency is weighing heavily on my mental well-being, disrupting my sleep and peace of mind. With utmost respect, I urgently request the immediate correction of my account, stressing the urgency of this matter.
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (MD)

I LOST 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 EXPERIAN.COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts 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 2023-10-20
Product: Credit card — General-purpose credit card or charge card
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)

Kindly correct the error on my account by removing the wrongful late payment notation. I have consistently made payments punctually and never defaulted. This situation is greatly affecting my well-being and disrupting my sleep. I urge you to address this issue and rectify my account immediately.
Consumer complaint received 2024-06-28
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. (CA)

As a consumer, I request to know all the steps your agency took to ensure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph 15 USC ( 6 ) ( B ) ( iii ) - a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; by not later than 15 days after receiving a request from the consumer for that description. I previously contacted your company to inform you that I am a Data Breach/ Identity Theft victim. I also contacted the Federal Trade Commission and filed an attached XXXX XXXX. I demanded that you please block and remove all information from my credit report and send me an updated copy of the credit report. However, the following items are still on my credit report. I need your serious work on this. Once again, Under 15 USC 1681c-2 c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within 4 business days of receiving a complaint consisting of the information below. In addition, Please send the following information used to validate the validity of the invalidated items below : 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 2022-12-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

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. 

Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have all 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 2024-07-01
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. (FL)

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receiptXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-12-01
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: EQUIFAX, INC. (OH)

On or about XX/XX/XXXX I contacted XXXX XXXX XXXX XXXX while looking to be prequalified for a vehicle. I was not advised of any hard inquiry to my credit file. I was informed I was not qualified after about a week later. I was advised they could not assist with the purchase of any vehicle. 

I did not give permission or authorization for XXXX XXXX XXXX XXXX to send my information to several lenders. This was to be a prequalification only. 
I have attempted several times to dispute this matter with XXXX Credit Bureau As I am reviewing my credit file with Equifax Credit Bureau. I have hard Inquiries from : XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX These 5 hard inquiries are not warranted as I did not provide permission verbally or written to reach out to these partners or XXXX XXXX XXXX XXXX XXXX 

I reached out to XXXX Credit Bureau XX/XX/XXXX and spoke with operator XXXX. 
The operator advised that there was nothing she could do to remove the fraudulent inquiries off of the credit file. I advised I would reach out to your organization and file a complaint. I was told this was my best option as Equifax rejected my request for removal.
Consumer complaint received 2024-07-25
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I am a Capital One ( XXXX ) and holder of a Capitol One XXXX credit card. I am also a XXXX individual within the meaning of the XXXX XXXX XXXX XXXX. 
On our about XX/XX/year>, XXXX accessed my XXXX XXXX XXXX Checking XXXX and removed {$99.00} without my permission. I receive fixed, monthly government benefits to my XXXX  checking account and this unauthorized withdrawal has placed me in arrears and sent me spiraling downward into a financial-whirlpool. Given my fixed, limited-income, I can not afford to have multi-million dollar financial institutions accessing my accounts at their whim.