davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MI)

Initially, Experian removed several addresses from my credit report that do not belong to me. However, just a week later, these incorrect addresses were reinserted into my report. Despite my repeated attempts to rectify this situation, Experian has failed to maintain the accuracy of my personal information. 
Due to Experian 's erroneous inclusion of these addresses, my personal and sensitive information, including my Social Security number and date of birth, is being sent to unknown addresses. This not only compromises my privacy but also exposes me to a significant risk of identity theft, as unauthorized individuals can gain access to my personal information. 

This situation is a clear violation of my rights under the Fair Credit Reporting Act ( FCRA ) and represents a severe breach of my privacy. I request the CFPB to take immediate action to address this issue and ensure that Experian permanently removes the incorrect addresses from my credit report. Additionally, I seek assurance that all correspondence containing my personal information will only be sent to my correct and current address :
Consumer complaint received 2024-05-27
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. (IA)

in accordance with the fair credit reporting act this creditor has violated my rights. under 15 usc 1681 section 602 states I have the right to privacy. 15 usc 1681 section 604a section 2 also states a consumer reporting agency can not furnish an account without my written instructions. under 15 usc 1666b a creditor may not that a payment on a credit card account under a open and consumer credit plan as late for any purpose
Consumer complaint received 2024-05-27
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)

I am writing to formally contest the inclusion of fraudulent accounts in my Experian credit report. Despite submitting a dispute letters and the required documentation to the Federal Trade Commission ( FTC ), as per your guidelines, this accounts persist on my Experian report. After uncovering these fraudulent accounts, I contacted the relevant companies, which acknowledged its fraudulent nature and assured me of its removal from their records. Subsequently, XXXX and XXXX have both expunged these accounts from their records after verifying its fraudulent status. I am puzzled as to why Experian continues to report these fraudulent accounts, especially since the other credit bureaus have already removed them. I have completed all necessary steps and furnished all relevant documentation to substantiate my claim of identity theft. I hereby request a comprehensive investigation into this matter and the immediate removal of these fraudulent accounts from my Experian credit report. The companies have confirmed the fraudulent nature of these accounts, and its persistence on my credit report is unjustified and detrimental to my creditworthiness. 

XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-27
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. (VA)

I checked my credit report and found that some of the data were incorrect. The XXXX credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-07-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
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 XXXXXX/XX/XXXX
Consumer complaint received 2024-05-27
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 am submitting this compliant because I have nowhere to turn to. Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX and XXXX XXXX XXXX XXXX upon me discovering unverifiable, invalidated, inaccurate, and questionable items that Experian, XXXX and XXXX did not make sure it was reporting 100 % correct. 
In accordance with the FCRA and XXXX XXXX compliance reporting standards. Everything has to be 100 % accurate on my credit report and under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. I am disappointed that Experian, XXXX and XXXX have not done with due diligence to provide me with any documented proof of compliance reporting standards and applicable consumer laws.
Consumer complaint received 2024-05-27
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. (MD)

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 2024-05-26
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)

Recently I checked my credit reported and noticed multiple billing errors under 15 U.S. code 1666 ( b ) billing error- ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligir or a credit issued to the obligor.
Consumer complaint received 2024-05-27
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. (NY)

Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. I must reiterate that I did not authorize or consent to the association of this information with my name, as I am a victim of identity theft.
Consumer complaint received 2024-05-26
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (GA)

am writing to demand the immediate deletion of any collections entries from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ), specifically consumer law 15 U.S.C. section 602 ( a ) and 15 U.S.C. 1681 section 604 ( a ) section 2. Upon reviewing my credit report, I have identified collections entries that are inaccurately reported and must be removed promptly to avoid legal repercussions. 

I demand the following collections entries to be deleted : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-14
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. (MS)

I always paid on time, and this giving me XXXX, I neves miss paying this account, Please update it and remove the Inacccurate late payment on my account and I can't even sleep with this problem, It's hard for me to accept it. I'm begging you to update it ASAP.
Consumer complaint received 2024-05-27
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)

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


Account Name : XXXX XXXX  Account Number XXXX Account Name : XXXX Account Number : XXXX Inquiries : XXXX XXXX XX/XX/XXXX : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX :
Consumer complaint received 2024-05-27
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. (PA)

I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items. 

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.
Consumer complaint received 2024-05-26
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)

On XX/XX/year> I saw multiple credit cards and accounts requested or opened in my name without my consent or knowledge. I reported the fraudulent accounts and got them resolved except for this XXXX XXXX account XXXX I got a letter on XX/XX/XXXX saying the account has been closed and pending investigation, but as of today on XX/XX/XXXX the account is still active on the credit report and has a balance for {$990.00} ( updated XX/XX/XXXX ). I called XXXX on XX/XX/XXXX to confirm the account was closed, which is not the case since it is still open and being used.
Consumer complaint received 2024-05-26
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. (IL)

To Whom It May Concern, I am writing to dispute the accuracy of several items on my credit report. These items were previously investigated and successfully removed from my XXXX credit report between XXXX and XXXX of XXXX. According to the Fair Credit Reporting Act ( FCRA ), specifically Section 611 ( 15 U.S.C. 1681i ), credit reporting agencies are required to ensure the accuracy and completeness of the information they report.

Additionally, under Section 623 ( 15 U.S.C. 1681s-2 ) of the FCRA, furnishers of information are obligated to report accurate information to all credit reporting agencies. Since these items have been deemed inaccurate and removed from my XXXX report, the same action should be taken by Experian and XXXX to maintain accuracy and consistency across all my credit reports. 

Furthermore, the Fair Debt Collection Practices Act ( FDCPA ) emphasizes the importance of accurate reporting by debt collectors. Under Section 807 ( 15 U.S.C. 1692e ), debt collectors are prohibited from using false, deceptive, or misleading representations in connection with the collection of any debt. This includes the reporting of false information to credit bureaus. 

The items in question, which should also be removed from my Experian and XXXX credit reports, are as follows : XXXX. Item : Address XXXX XXXX XXXX, XXXX ; XXXX - Dispute Confirmation Number : XXXX - Date of Deletion : XX/XX/year> XXXX. Item : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Dispute Confirmation Number : XXXX - Date of Deletion : XX/XX/year> XXXX. Item : Address XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Dispute Confirmation Number : XXXX - Date of Deletion : XX/XX/year> XXXX. Item : XXXX XXXX ( collection ) - Dispute Confirmation Number : XXXX - Date of Deletion : XX/XX/year> XXXX. Item : Inquiries for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Dispute Confirmation Number : XXXX - Date of Deletion : XX/XX/year> XXXX. Item : XXXX XXXX XXXX - Dispute Confirmation Number : XXXX - Date of Deletion : XX/XX/year> I request that you reinvestigate these items and remove them from my credit report. Attached you will find all relevant documentation supporting my claim, including correspondence and my credit report from XXXX showing that these items have been deleted. 

Thank you for your prompt attention to this matter. I look forward to your confirmation that these items have been removed from my credit report.
Consumer complaint received 2024-05-27
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)

Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Consumer complaint received 2024-05-27
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)

I would like to dispute specific records in my credit file that appear to be unrelated to me, the fact that I appear to have signed any agreements, and the fact that I may have been the victim of identity theft. The items I'm contesting have nothing to do with any of the transactions I've finished or authorized to get products, services, or money. Please remove the following items. 
XXXX XXXX XXXX XXXX Balance Owed : {$17000.00} XXXX XXXX XXXX XXXX Balance : {$5300.00} XXXX XXXX, XXXX XX/XX/2022
Consumer complaint received 2024-08-03
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: EQUIFAX, INC. (GA)

I am writing to formally request the correction of inaccurate information on my credit report. This is my attempt to rectify these errors, which are significantly impacting my creditworthiness. I request that you provide written confirmation of the results of your investigation and the steps taken to correct these inaccuracies. Additionally, please send me an updated copy of my credit report once the corrections have been made. 
Please help me correct or remove the following items : 1. XXXX  XXXX XXXX Balance Owed : {$2200.00} - Please check the status of this account. It is entirely wrong, to begin with. I was never late on this account. 

2. XXXX  XXXX XXXX Balance Owed : {$1100.00} - Evaluate this reporting by revising the information provided. Modify and perform any corrections or update this from my file. 

3. XXXX XXXX XXXX Reference # : XXXX - This XXXX file date is wrong and this XXXX  is out of statute for reporting on a credit report. It should no longer be reported because it is past the 10-year statute of limitations that a credit bureau can report. Please update the filing date and then remove it. 
4. XXXX XXXX XXXX Reference # : XXXX - This XXXX file date is wrong and this XXXX is out of statute for reporting on a credit report. It should no longer be reported because it is past the 10-year statute of limitations that a credit bureau can report. Please update the filing date and then remove it.
Consumer complaint received 2024-05-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

I recently reviewed my credit report and noticed an account that was not reporting accurately. i hade one late payment on an account that was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments, ive attached a copy of my report to this complaint on the following dates : ( XX/XX/2024 ). I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.
Consumer complaint received 2021-02-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (AL)

Since XX/XX/2021 Ive had 3 different lender to run my credit report and was able to only get XXXX  and XXXX  report. All 3 lenders stated they cant get my Equifax report. Ive been contacting Equifax ever since XX/XX/2021 about the problem and still havent tried to fix the issue besides stating I dont have a freeze on my account. Currently Im going through a program called XXXX for a house and they ran my credit on XX/XX/2021 and they stated they didnt get my Equifax report back. I logged in on my Equifax to double check and make sure there was no freeze on my report. I didnt see anything so I contacted Equifax and told them the problem. They stated I might have a freeze or maybe we are entering the wrong information. Equifax keeps giving me the run around instead of trying to look into it. My goal is to get a house soon so I need my Equifax report in order to accomplish my goal. Thank you
Consumer complaint received 2020-12-21
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (AZ)

Experian wont let me make dispute the late marks on my credit record from XXXX. XXXX claims they did not do this or can remove it. I have filled several disputes, now Experian wont let me do anymore or even have phone number to contact a real person. Experian is responsible for correct info on your credit report, but not if they dont listen to customers. I even paid to get daily updates on Experian which that never happened. Apparently they dont follow rules and regulations like the rest of us. If they did do the proper investigation they would have see it on my account. I dont miss payments never. Before bankruptcy and after. Look at my accounts alway on time never late.
Consumer complaint received 2024-05-27
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. (MI)

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 2024-05-27
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 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 2024-05-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (CA)

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC Reports regarding the account that do not belong to me.

These companies have refused to do work on disputes even though they're required by the law to do so. 

XXXX XXXXXXXX XXXX - Incorrect Employers PROFESSIONAL TRANSPO - Incorrect Employers XXXX XXXX XXXX - Incorrect Address XXXX XXXX - Incorrect Address XXXX XXXX  - Incorrect Address XXXX  - Incorrect Date of Birth XXXX, XXXX, XXXX XXXX Incorrect Name