davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-15
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)

In this carefully orchestrated dance of finance and privacy, my right not to have my-personal information unjustly shared, finds backing in 15 USC 6801 . The clause articulates that every financial institution, ( which, in this case, includes the Furnisher of information to credit agencies ), has an unyielding obligation to maintain the sanctity of their customers ' privacy and to shield their nonpublic personal information. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance : {$14000.00} XXXX XXXXXXXX XXXX Balance : {$1400.00} XXXX XXXX Balance : {$0.00}
Consumer complaint received 2024-04-15
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)

On XX/XX/2023 I filed a law suit against XXXX XXXX XXXX XXXX in the United States District Court For the XXXX XXXX XXXX XXXX XXXX XXXX which it's still in dispute and litigation. The Credit Bureau ( Experian, XXXX, XXXX ) and XXXX XXXX XXXX XXXX are reporting negatively on my credit report which is in violation of Federal Law.
Consumer complaint received 2024-01-03
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)

I am again reporting my deep dissatisfaction with the ongoing disregard for my rights as a consumer under the Fair Credit Reporting Act ( FCRA ). Despite my previous dispute attempts, it appears that my concerns have been ignored, and the reported violations persist. This dispute serves as a formal dispute and reiteration of my rights under the FCRA. 
Unauthorized Disclosure of Information : Under 15 USC 1681b, consumer reporting agencies are required to furnish consumer reports only under specific circumstances and with the written instructions of the consumer to whom they relate. I have consistently communicated my explicit denial of consent for the disclosure of my private information to third-party agencies. It is disconcerting that this violation persists. 

Failure to Provide Opt-Out Information : According to 12 CFR 1016.7, a consumer has the right to opt out of credit reporting services at any time. Despite my explicit request to exercise this right, the necessary information on opting out has not been provided. This failure to comply with the law is unacceptable. 
Inaccurate Reporting and Lack of Verification : Section 1681s-2 ( A ) ( 1 ) A of the FCRA mandates that information furnished to consumer reporting agencies must be accurate. I have previously disputed inaccuracies in my credit report, yet these discrepancies persist without proper investigation or correction. This is a clear violation of my rights.

Noncompliance with FCRA Sections 1681c and 1681e : Consumer reporting agencies are obligated to maintain reasonable procedures designed to avoid violations of FCRA sections 1681c and 1681e. The failure to do so, as evident in the persistence of inaccurate information and the lack of response to previous disputes, is a direct violation of the law. 
I hereby request the following actions : Immediate cessation of any further disclosure of my personal information without my explicit, written consent. 
A thorough investigation into the circumstances surrounding the unauthorized disclosure, inaccuracies, and lack of compliance with FCRA regulations. 
Prompt removal of any inaccurate information and a comprehensive report detailing the corrective measures taken to prevent similar incidents in the future. 

I expect a written response within a reasonable time frame of 14 days detailing the actions taken to address the violations mentioned above. Failure to address these concerns promptly may necessitate further legal action to protect my consumer rights. 

Your cooperation in rectifying these issues is crucial to upholding the principles of the FCRA and ensuring the accuracy and privacy of consumer credit information. I trust that immediate attention will be given to this matter.
Consumer complaint received 2024-01-03
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)

I am again reporting my deep dissatisfaction with the ongoing disregard for my rights as a consumer under the Fair Credit Reporting Act ( FCRA ). Despite my previous dispute attempts, it appears that my concerns have been ignored, and the reported violations persist. This dispute serves as a formal dispute and reiteration of my rights under the FCRA. 
Unauthorized Disclosure of Information : Under 15 USC 1681b, consumer reporting agencies are required to furnish consumer reports only under specific circumstances and with the written instructions of the consumer to whom they relate. I have consistently communicated my explicit denial of consent for the disclosure of my private information to third-party agencies. It is disconcerting that this violation persists.

Failure to Provide Opt-Out Information : According to 12 CFR 1016.7, a c onsumer has the r
ight to opt out of credit reporting services at any time. Despite my explicit request to exercise this right, the necessary information on opting out has not been provided. This failure to comply with the law is unacceptable. 

Inaccurate Reporting and Lack of Verification : Section 1681s-2 ( A ) ( 1 ) A of the FCRA mandates that information furnished to consumer reporting agencies must be accurate. I have previously disputed inaccuracies in my credit report, yet these discrepancies persist without proper investigation or correction. This is a clear violation of my rights.

Noncompliance with FCRA Sections 1681c and 1681e : Consumer reporting agencies are obligated to maintain reasonable procedures designed to avoid violations of FCRA sections 1681c and 1681e. The failure to do so, as evident in the persistence of inaccurate information and the lack of response to previous disputes, is a direct violation of the law.

I hereby request the following actions : Immediate cessation of any further disc
losure of my personal information without my explicit, written consent. 
A thorough investigation into the circumstances surrounding the unauthorized disclosure, inaccuracies, and lack of compliance with FCRA regulations. 
Prompt removal of any inaccurate information and a comprehensive report detailing the corrective measures taken to prevent similar incidents in the future. 

I expect a written response within a reasonable time frame of 14 days detailing the actions taken to address the violations mentioned above. Failure to address these concerns promptly may necessitate further legal action to protect my consumer rights. 

Your cooperation in rectifying these issues is crucial to upholding the principles of the FCRA and ensuring the accuracy and privacy of consumer credit information. I trust that immediate attention will be given to this matter.
Consumer complaint received 2024-04-15
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. (IL)

I urge you to swiftly remove these fraudulent accounts from my credit report. I did not initiate or authorize them, and it is unfair for me to be held accountable. Please take prompt action to rectify this mistake.
Consumer complaint received 2024-04-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MA)

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 XXXX and I am filing this complaint for falsely reporting misleading information. There is no XXXX party involved. Please review the uploaded letters.
Consumer complaint received 2024-04-15
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)

Im trying to apply for for funding to start the process of buying my house but I'm not able to get approved due to unrecognized innacurrate inquiries on my credit report. These inquiries were not authorized by me.
Consumer complaint received 2024-04-15
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. (NJ)

The purpose of this complaint is to have unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-01-03
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)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-04-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MA)

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 XXXX I am filing this complaint for falsely reporting misleading information. There is no XXXX party involved. Please review the uploaded letters.
Consumer complaint received 2024-01-03
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. (MA)

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 2024-01-03
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. (SC)

After being released from XXXX in XXXX I obtained a copy of my credit reported and noticed someone has been accessing accounts in my name. My personal information was compromised including my driver 's license and social security card during my XXXX due to my prior living arrangement. I contacted Experian, XXXX, and XXXX via phone and mail in XX/XX/XXXX and XX/XX/XXXX in attempt to get this issue resolved. I have not received a response. These accounts and credit inquiries are impacting my credit and preventing me from getting a home. Furnishing this information to my account is in violation of 15 USC 1681B and 15 USC 1681 C-2, not only have I not given any permission or any written consent to furnish this information. Furthermore, no accounts or inquiries should be furnished to my credit profile due to identity theft. These accounts that I am referencing are, XXXX XXXX XXXX XXXX XXXX. I have no affiliation or knowledge of these accounts. I also noticed inquiries that I have not authorized such as XXXX XXXX XXXX, and XXXXXXXX XXXX XXXX.
Consumer complaint received 2024-01-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (OH)

Immediate Action Required : Security Breach Demands Resolution Within XXXX Hours Dear XXXX Representative or Appropriate Contact I am writing to express my absolute outrage and frustration concerning the alarming security breach that has exposed my personal information on your platform. The evidence I provide is indisputable, revealing a shocking negligence on your part. 
Unauthorized accounts linked to my name, including FIRST PREMIER, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, reflect a severe violation of your duty to secure user data. 
Inquiries from XXXX XXXX XXXX and XXXX XXXX XXXX via XXXX XXXX  XXXX XXXX only intensify my apprehension about the incompetence of your security measures. 
The addresses associated with my profile, spanning multiple locations, and the list of phone numbers, indicate a gross failure on your part to protect user information. This is utterly unacceptable. 
I demand that you take immediate action within the next XXXX hours to : * Remove any and all unauthorized accounts linked to my name. 
* XXXX a thorough investigation into this security breach. 
* Provide transparent communication regarding the steps you are taking to prevent such breaches in the future. 
* Address the issues with late payments promptly. 
Failure to comply with these demands within the stipulated timeframe will leave me with no alternative but to pursue legal recourse and report this breach to relevant regulatory authorities. 
This is not a negotiable matter. Your immediate and decisive action is required to salvage what little trust remains in your platform. 

Sincerely, XXXX XXXX accounts : FXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-01-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (SC)

I recently pulled a copy of my credit report and noticed a series of inaccuracies being reported as late payments. During the pandemic, prior to experiencing a hardship I reached out to the creditors to make an accommodation on the accounts to ensure my credit would not be impacted due to lay offs. Furnishing the late payments to my profile is in violation of 15 USC 1681 S-2 ( F ). Not only were the late payments covered by the CARES act during these periods, but I paid as agreed on the following accounts, XXXX XXXX, XXXX XXXX XXXX, and XXXX. Further furnishing late payments is also in violation of 15 USC 1666B, specifically with XXXX account. I've reached out to the CRA ( Experian, XXXX, and XXXX ) attempting to resolve and have this information updated in XX/XX/2023 and XX/XX/2023. I requested verification and have not received a timely response. The late payments being reported are severely affecting me purchasing a home.
Consumer complaint received 2023-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/ any items listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 

Here is the list of items /items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-15
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. (TX)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2024-04-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MA)

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 XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-04-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

The unverified ITEMS indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these ITEMS. Please follow the law so that this situation can be settled quickly. I need the following ITEMS to be updated from my file right away XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

If you feel there is a possibility these items belong to me I will require all documentation that bears my signature. If you do not provide any records & claim the items is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX, XXXX, XXXX XXXX, XXXX, LA XXXX XXXX XXXX, LA XXXX XXXX XXXX Balance : {$2500.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1600.00} XXXX XXXX Balance : {$660.00} XXXX XXXX Balance : {$360.00} XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-15
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

I strongly request the immediate removal of this late payment from my account, as it does not accurately depict my payment history. I have consistently made timely payments, and it is unacceptable to have this erroneous entry listed. Kindly update my account promptly.
Consumer complaint received 2024-04-15
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. (IN)

I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.
Consumer complaint received 2024-04-15
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. (NY)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX XXXX XXXXXXXX Balance : {$1400.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$1400.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX & XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX Balance XXXX {$1400.00XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$1000.00} XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX