davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

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 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 2024-05-08
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (IL)

Timely payments are a certainty for me. However, I find it puzzling why this company occasionally marks certain months as late, which doesn't align with my records. According to USC 1666b, any billing discrepancies should be promptly corrected and reflected accurately.
Consumer complaint received 2024-04-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (KY)

I recently pulled my credit and found that Experian is reporting inaccurate information on my credit from an account with XXXX XXXX. It is showing that the account closed XX/XX/2023 until now, while XXXX is saying payments were being made on time. It is impossible to be making on time payments on a closed account, with this being said i understand Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. This account has not been verified properly so I want it deleted immediately.
Consumer complaint received 2024-04-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (IL)

I am writing to dispute the accuracy of certain accounts listed on my credit report. After thoroughly reviewing the information, I have identified several inaccuracies that I believe are in violation of the Fair Credit Reporting Act ( FCRA ).
Consumer complaint received 2024-04-19
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. (TN)

I recently disputed with EXPERIAN, and after the dispute, I noticed the accounts I disputed are still inaccurate. EXPERIAN is in violation of 15 USC 1681e ( b ) and 15 USC 1681i ( 5 ). They have been verifying inaccurate account information.
Consumer complaint received 2024-05-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (FL)

I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.
Consumer complaint received 2024-04-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NC)

I am writing to file a complaint regarding the inaccurate personal information that has been reported by Experian, XXXX, and XXXX on my credit files. Despite multiple attempts to rectify the situation by contacting these credit bureaus directly, they have failed to remove old and outdated information from my credit reports. 

The primary concern I wish to address is the various versions of my address that are being reported. This misinformation is not only highly embarrassing but also potentially damaging to my reputation. I have enclosed copies of my current Driver License, W-2 with social, Notarized letter, and Pay stub as proof of my identity and the correct information regarding my address [ 5 ]. 

In my previous communications with the credit bureaus, I have clearly stated that the provided versions of my address are incorrect and have provided them with the correct and legal versions of my personal information. Despite these efforts, they have failed to take the necessary actions to remove the outdated and inaccurate data from my credit files. 

Furthermore, I am concerned about the potential impact of this inaccurate information on my future employment prospects and creditworthiness. The credit reports make it appear as though I have been living at multiple addresses simultaneously, which is entirely untrue [ 5 ]. This misinformation could harm my chances of securing employment or obtaining credit in the future. 

According to the Fair Credit Reporting Act ( FCRA ) and the guidelines provided by the CFPB, it is the responsibility of the credit bureaus to ensure the accuracy and integrity of the information they report [ 6 ]. They are obligated to promptly investigate and correct any inaccuracies or incomplete information upon notification from the consumer. 

I kindly request that the CFPB intervene in this matter and ensure that Experian, XXXX, and XXXX take immediate action to remove the outdated and inaccurate information from my credit files. Additionally, I seek your assistance in enforcing the guidelines outlined by the FCRA to prevent similar incidents from occurring in the future. 

Thank you for your attention to this matter. I look forward to a prompt resolution and the restoration of accurate information on my credit reports.
Consumer complaint received 2024-08-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NC)

Despite my previous three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. In their responses to my dispute letters, they stated that they have verified the items listed as accurate but failed to send me copies of the documents used to verify these accounts, as per my request.

Their failure to provide these documents indicates that they can not and did not verify any of the disputed accounts as claimed. Furthermore, their failure to delete the disputed accounts that they can not verify after three written requests demonstrates a willful disregard of Federal Law.
Consumer complaint received 2024-04-19
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 have been a victim of identity theft, which resulted in fraudulent accounts being opened in my name. These accounts have been erroneously reported on my credit file. I have diligently submitted an FTC Identity Theft Report and a police report to Experian as proof of this criminal activity. Despite multiple attempts to rectify this situation through the proper channels and providing all necessary documentation, Experian has not removed the fraudulent accounts from my credit report. 

Specifically, I initiated the dispute process on XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX and provided detailed evidence of the theft. In addition, I have followed up with Experian on XX/XX/XXXXXXXX XXXX XXXX but my requests have been repeatedly dismissed or ignored. 

The refusal to remove the fraudulent accounts has severely impacted my credit score and is significantly affecting my ability to conduct financial transactions. The continued presence of these illegitimate accounts on my credit report is not only inaccurate but also unfair, considering the clear evidence of fraud presented. 

I am now seeking the intervention of the CFPB to address this matter, as the unresolved issues with Experian are causing ongoing harm to my financial reputation. I hope that this complaint brings to light the challenges victims of identity theft XXXX face with credit reporting agencies and leads to a swift resolution of my case.
Consumer complaint received 2024-04-19
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. (NJ)

I've always made sure that payments on this account are made on time, never allowing them to become overdue. I'm unsure about the reasons behind reports of late payment remarks on my accounts. As per 15 USC 1666b - Billing Error should be corrected.
Consumer complaint received 2024-08-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (LA)

I'm writing to communicate my XXXX in regards to the contested records on my credit report. On various occasions, I have raised the issue of errors in these records, and have reliably mentioned that they be completely researched. In spite of my endeavors, I still can't seem to get any goal or restorative activity. These incorrect records are seriously harming my credit document and frustrating my capacity to carry on with an ordinary life. The adverse consequences of these errors have caused monstrous difficulties for me, and I'm left with no decision except for to argue for your help with redressing what is going on as quickly as time permits. I sympathetically demand that you direct an exhaustive examination concerning the revealing of every one of these contested records. It is basic that the fundamental advances are taken to refresh and amend my credit report immediately. With your assistance, I desire to reestablish the exactness and honesty of my credit document so I might recapture command over my monetary prosperity. I truly ask you to offer this matter your most extreme consideration and make a quick move. Your participation and backing in settling this issue immediately would be enormously valuable. Much thanks to you ahead of time for your comprehension and help.
Consumer complaint received 2024-05-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NM)

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.

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 2023-07-07
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. (GA)

On XX/XX/XXXX, I got a call from my relator asking me if my husband and I had any additional cars because he was showing an outstanding Loan from XXXX XXXX for a XXXX, that XXXX XXXX was listed on the loan. I told him I had no idea who this person was, what the loan is, and I have never had a XXXX. I contacted XXXX XXXX and was advised that the loan was opened XX/XX/XXXX at a car lot in XXXX. I advices them that I live in XXXX and on this XXXX I was in XXXX Hospital XXXX XXXX XXXX from an XXXX XXXXXXXX  so it was impossible that I was in XXXX  at a car lot opening up a loan. They asked me to send a police report, identity theft affidavit, my drivers license, social security card, letter stating what I already told them, and a letter from my doctor. I did all of this, and not even two weeks later I received a letter from XXXX stating that they validated this account as valid. I called and let them know that I needed to see the supposed loan documents that I had signed at this lot in XXXX  because I know for a fact I was in the XXXX  and I proved it to them. I told them I would send in my medical records, because this would definitively prove where I was at the time, and that I didnt open up this account. They got my medical records which show I couldnt have opened up the account, and still refused to remove it. I provided all of the same proof to XXXX, XXXX, and Transunion. XXXX and XXXX promptly looked at the proof and medical records, and removed the account. Transunion refused. I called Transunion four times about this, and they were no help. The last time I asked to speak with a supervisor. I recorded the call this time. I spoke with someone named XXXX ( I am sure this is not his real name, as this is a XXXX XXXX XXXX XXXX I could tell by everyone talking in the background ) he told me to dispute it again. I asked him what good it would do because you have all the proof and continue to deny it. He told me unless XXXX removes the account Transunion will not be helping me. I also have a XXXX XXXX  because I suffered XXXX XXXX, so it takes me a while to get my words out, and he was really rude. He told me if I sound like this I should not even call someone, I should write or email. I told him that I did not appreciate that, and that Ive already wrote them numerous times, with no help. I advised him in Transunion does not remove this, I will have to end up filing a lawsuit, he said he didnt care and hung up in my ear. I can prove everything that I am saying, and I want this account removed at once.
Consumer complaint received 2024-08-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I am seeking your assistance with an incorrect account appearing on my credit report. This issue is harming my reputation, and I need your support to resolve it. The bureau must update and remove the inaccurate reporting as it has been causing undue harm to my credit standing.
Consumer complaint received 2024-04-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NC)

I had an account with XXXX that went to a collection agency called XXXX. On XX/XX/XXXX I paid the remaining balance of {$2100.00} and I have documentation they sent me regarding receiving the payment. On XX/XX/XXXX the payment was received by XXXX and I called them multiple times to ensure this was the case. Since then Experian still shows I owe that balance although paid. When I called XXXX as to why it shows in their system that there is no balance, but being reported to Experian that there is, they said, " it was nothing they could do on their end, but that the account has no balance ''. So I decided to dispute with Experian. I disputed with Experian regarding this on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX and submitted the document located below to support, yet they said it will " Remain ''. I have screenshot on my phone showing the balance has not been up dated on Experian since XX/XX/XXXX. This is concerning and suspicious to me because why was it updated every single month when I was in default on the account, but yet it stops reporting the balance once the account is paid in full with collections. I have no other options other than to report because nothing I have tried has worked with Experian. If I dispute it and give the receipt of payment if they actually checked then why would it still say the balance hadn't been paid or updated since XX/XX/XXXX.
Consumer complaint received 2023-04-07
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. (NC)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2024-04-19
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. (SC)

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. Please see attached file for these items I am complaining.
Consumer complaint received 2024-05-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MD)

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 2024-04-19
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. (NC)

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 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 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 then records of convictions of crimes which antedates the report by more then 7 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. These are Fraudulent accounts and need to be removed from my Credit Report.
Consumer complaint received 2024-04-19
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)

I have tried to resolve a MAJOR issue with XXXX  XXXX yet they refuse to help with the issue main issue is that I went from an XXXX credit score while I was in the middle of getting an SBA loan to save my business, they closed both my Credit cards out of nowhere while they were both paid on TIME every single month and many times paid in full right away as I was serious about building good credit, they continue to report wrong balance and wrong payment history on my credit reports with Experian and XXXX. I need the to remove all negative payment history from my credit report and update the balance. OR REMOVE ASAP FROM BOTH credit bureaus
Consumer complaint received 2023-07-11
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)

The items listed below are reported on my personal credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NY)

Experian took it upon themselves to furnish my birthdate and telephone numbers that not correct, and my employer name their furnishing without my permission. I never gave them a written letter stating to provide those personal information on my credit report, furnishing my employer thats a violation of my safety.