davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TN)

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- Account XXXXXXXX XXXX XXXX- Account XXXXXXXX XXXX XXXX XXXX- Account XXXXXXXX XXXX XXXX- Account 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 an account without my written instructions.

15 U.S.C 1681c ( a ) section 5 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 personal shall not furnish any information relating to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-04-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (MO)

Hey, I went over my consumer report, and I noticed some hard inquiries that I didn't authorize, or I do not have knowledge of. I have called several times and let the credit reporting agencies and the companies know that the inquiries in the document included below are fraudulent and they have yet to be removed. They are not to supposed to be visible on my credit report. I never gave them permission nor written consent to report or to authorize the inquiry. By law this is aggravated identity theft. 18 U.S. Code 1028A
Consumer complaint received 2023-03-13
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: EQUIFAX, INC. (NY)

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 2022-09-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: Bread Financial Holdings, Inc. (MO)

I have a XXXX credit card through Comenity bank. I have purchased upwards of $ XXXX $ XXXX of purchases on it since XXXX. I have not received any reward points on any of my purchases since XXXX. I have tried to call them and email them numerous times. They have not been able to help me. It has been ridiculous that we are at month 3 without receiving those rewards.
Consumer complaint received 2024-04-23
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. (MO)

In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report.

The credit bureaus have stated that my account has been properly investigated.

How is that possible when the open date is inaccurate, the date last active is inaccurate and the last reported date is inaccurate also.

This is grounds for removal, also they violated my rights under the Title 15 U.S.C 1681 section 602 A. which states : I have the right to privacy.

15 U.S.C 1681 section 604 A section 2. states that a consumer reporting agency can not furnish a account without my written instructions. 

The credit bureaus took more than 30 days to complete my investigation.
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Account - XXXX  : Account - XXXX  XXXX Account - XXXX  Account - XXXX  # XXXX The above accounts were opened fraudulently without my consent. 
Please remove from credit report asap
Consumer complaint received 2023-03-13
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: EQUIFAX, INC. (NC)

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 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 2024-04-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (WA)

The absence of valid evidence corroborating its accuracy and its reporting without substantiated proof contravene the 15 USC 1681i ( 7 ). I urge for the swift removal of this account unless sufficient evidence affirming its validity is furnished.
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (NJ)

I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. 

I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.
Consumer complaint received 2024-04-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

According to the equitable Credit Reporting Act ( 15 U.S. Code 1681 ) : ( 1 ) Accurate and equitable credit reporting is essential for the functioning of the banking system. The integrity of the banking system is directly compromised when inaccurate credit reports are utilized, and unjust credit reporting practices erode public confidence, which is vital to the system 's continued operation. 

Consequently, any violation of the FCRA has a detrimental impact on the operational effectiveness of the banking system. This constitutes a breach of my privacy regarding my consumer report, as I have the ability to determine which information is included and which is excluded. Reporting any accounts without obtaining my written assent constitutes an act of identity theft. 

Both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2 are violated by this. This results in civil liability for negligent and willful noncompliance with 15 U.S. Code 1681n against the credit reporting agency for accounts listed without my express written consent. The penalty for each violation is {$1000.00}.
Consumer complaint received 2024-04-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I RECENTLY PULLED A COPY OF MY CREDIT REPORT AND NOTICED ACCOUNTS BEING REPORTED THAT I HAVE NOT AUTHORIZED NOR HAVE ANY AFFILIATION WITH. I WAS INFORMED THAT MY PERSONAL INFORMATION WAS INVOLVED A IN BREACH AND WAS ADVISED TO CHECK MY CREDIT. I CONTACTED THE CREDIT REPORTING AGENCIES XX/XX/2023 ADVISING OF ACCOUNTS AND REQUESTING VERIFICATION. THESE ACCOUNTS ARE UNVERIFIABLE. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2
Consumer complaint received 2024-04-23
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. (NY)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX Consumer Financial Protection Bureau 1700 G St NW, Washington , DC 20552, Subject : Dispute Regarding Inaccurate Reporting of Account with XXXX XXXX ( Account Number : XXXX ) and Lack of Response from Experian Dear CFPB, I am writing to formally dispute the accuracy of the information reported regarding an account with XXXX XXXX, as listed on my credit report. The account details are as follows : Account Number : XXXX Account Status : Closed Balance Reported : {$370.00} Past Due Amount : {$370.00} ( as of XX/XX/XXXX ) Last Payment Date : XX/XX/XXXX Consumer Statement : ITEM IN DISPUTE BY statement CONSUMER I would like to clarify that I have no record or knowledge of this account and believe it to be reported inaccurately. The reported information, including the account status, balance, and past due amount, does not correspond to any financial dealings or obligations I have with XXXX XXXX XXXX 

Additionally, I wish to inform you that I previously sent a dispute notice to Experian regarding this account, requesting validation of the debt and accuracy of the reported information. However, Experian has not responded with a dispute result within the mandated 30-day period. 

I request that the Consumer Financial Protection Bureau not only conduct a thorough investigation into the accuracy and validity of this reported account information with XXXX XXXX but also address the lack of response from Experian regarding my dispute. 

Specifically, I request the following actions : 1. Verify the existence and legitimacy of the account with XXXX XXXX, including confirmation of the account holder 's identity. 
2. Review the reported account status, balance, and past due amount for accuracy and provide detailed documentation supporting these figures. 
XXXX. Investigate any potential violations of the Fair Credit Reporting Act ( FCRA ) related to the lack of response from Experian and ensure compliance with dispute resolution timelines. 
4. XX/XX/XXXX & XX/XX/XXXX dont have Payment History data being reported as mandated by the FCRA all information must be COMPLETE!!! 
XXXX. What is the complete account #? 

I request that you provide me with updates on the progress of your investigation and any findings or resolutions within a reasonable timeframe. 

Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will conduct a thorough and fair investigation to resolve this dispute and address the lack of response from Experian. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-03-13
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: EQUIFAX, INC. (MI)

My name is 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 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 2024-04-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XX/XX/2024 Dear Sir/Madam, I am writing to dispute an error on my credit report. According to the report from [ XXXXExperian ] XXXX there is a 30-day late payment listed on my account with XXXX XXXX XXXX XXXX. However, I would like to bring to your attention that this information is inaccurate. 

On XX/XX/2024 I made a payment to my XXXX XXXX XXXX account # XXXX, and I have documentation to support this payment. I have attached a copy of the letter from XXXX XXXX XXXX XXXX confirming the error and stating that they have removed the 30-day late payment from my account. Accordingly, due to consumer 1681i. Procedure in case of disputed accuracy 1681e - Compliance procedures 1692g ( b ) Disputed debts - Validation of debts Instruction : Please remove inaccurate late payment. Account as paid on time.

I request that you investigate this matter and correct the inaccurate information on my credit report as soon as possible. Please provide me with written confirmation once the investigation is complete and the error has been rectified.

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-03-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

I sent a letter on XX/XX/XXXX, requesting the credit bureaus to remove accounts and Inquiries I found on my Credit File that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ), as the Credit reporting Agencies, you are required to remove and block any accounts or information not later than 4 business days after XX/XX/XXXX. Ive already included this in my previous Complaints & I am including it again. Please take a look at the following items you are reporting on my Credit File and have them removed as soon as possible : XXXX XXXX XXXXXXXX Balance : {$410.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$6000.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$470.00} XXXX XXXX XXXX Balance : {$440.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX Balance : {$380.00} XXXX XXXX  ( Original Creditor : XXXX ) XXXX Balance XXXX {$29.00} XXXX XXXX XXXX  ( Original Creditor : XXXX ) XXXX Balance : {$500.00} XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$230.00XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX ) XXXX Balance : {$650.00} XXXXXXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX. ) XXXX Balance : {$440.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$390.00} XXXX XXXX XXXX Balance : {$1300.00} XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXXXX Balance XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$340.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. If you believe that the disputed items belong to me, I will be requiring you to please send me copies of proof of verification or proof of ownership to support such claims. In the absence of such documents, I will greatly appreciate you removing the disputed items off of my Credit File as soon as possible.
Consumer complaint received 2024-09-10
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. (FL)

I am disputing inaccurate information currently being reported on my credit file with XXXX, XXXX, and Equifax. The information listed contains discrepancies that do not accurately reflect my financial history. I have attached detailed letters outlining the specific errors. Please review the attached documentation and update my credit report accordingly to ensure that the information is accurate and reflects the correct status of my accounts.
Consumer complaint received 2023-03-13
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: EQUIFAX, INC. (TX)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX SS # : XXXX Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute several negative items on my credit report. I have reviewed my credit report and have found several accounts that I do not recognize and believe are erroneous. I would like to request your assistance in investigating these accounts and having them removed from my credit report. 

XXXX XXXX Account Number : XXXX I have no recollection of this account and do not believe it belongs to me. Please remove this account from my credit report. 

XXXX XXXX XXXX - Account Number : XXXX I am unsure if this account belongs to me as I do not recognize the business name. Please investigate and remove this account if it does not belong to me. 

XXXX XXXXXXXX - Account Number : XXXX I am unsure if this account belongs to me as I do not recognize the business name. Please investigate and remove this account if it does not belong to me. 

XXXX XXXX XXXX - Account Number : XXXX I am unsure if this account belongs to me as I do not recognize the business name. Please investigate and remove this account if it does not belong to me. 

XXXX XXXX - Account Number : XXXX The account name and number appear questionable to me. Please provide clarification on this information or remove this account from my credit report. 

XXXX - Account Number : XXXX The account name and number appear questionable to me. Please provide clarification on this information or remove this account from my credit report. 

XXXX XXXX XXXX XXXX Account Number : XXXX The account name and number appear questionable to me. Please provide clarification on this information or remove this account from my credit report. 

XXXX - Account Number : XXXX The account name and number appear questionable to me. Please provide clarification on this information or remove this account from my credit report. 

XXXX XXXX - Account Number : XXXX The account name and number appear questionable to me. Please provide clarification on this information or remove this account from my credit report. 

XXXX XXXX - Account Number : XXXX The account name and number appear questionable to me. Please provide clarification on this information or remove this account from my credit report. 

XXXX XXXX XXXX - Date of inquiry : XX/XX/XXXX The inquiries have reached the statute of limitations and should be removed from my credit report. 

I kindly request that you investigate these accounts and remove them from my credit report if they are found to be erroneous. Thank you for your assistance in this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-04-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (TX)

The absence of valid evidence corroborating its accuracy and its reporting without substantiated proof contravene the 15 USC 1681i ( XXXX ). I urge for the swift removal of this account unless sufficient evidence affirming its validity is furnished.
Consumer complaint received 2024-04-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

On XXXX XXXX XXXX XXXX XXXX put a collection on my Experian credit report for {$5900.00} with a date opened of XX/XX/XXXX. This is incorrect, as the debt they are representing was acquired over XXXX years ago and was XXXX on XX/XX/XXXX in XXXX XXXX XXXX XXXX XXXX XXXX XXXX under my maiden name of XXXX XXXX XXXX The debt was acquired under my maiden name of XXXX XXXX. My name changed on XX/XX/XXXX to XXXX XXXX upon my marriage, proving that this debt was obtained over XXXX years ago. 

I filed a dispute with Experian and they concluded that the information from XXXX XXXX XXXX was correct, when it is not and they illegally placed this on my credit. I also spoke with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  to let them know that the debit is too old to collect and was included in a XXXX XXXX. 

This is my last effort before contacting my XXXX  attorney to file a complaint agains Experian and XXXX XXXX XXXX to compel the removal and for damages, so any support to get this removed is appreciated. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-24
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. (PA)

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 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 Account name XXXX XXXX  Account XXXX XXXX XXXX  Account name : XXXX Account # : XXXX Account name : XXXX Account XXXX XXXX XXXXXXXX Account name : XXXX Account XXXX XXXX XXXXXXXX Account name : XXXX Account XXXX XXXX XXXX Account name : XXXX XXXX Account # : XXXX Account name : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account name : XXXXXXXX XXXX XXXX  Account XXXX XXXX XXXX  Account name : XXXX XXXX XXXX Account XXXX XXXX XXXX
Consumer complaint received 2024-04-23
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. (OR)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX  Account # XXXXXXXX XXXX XXXX XXXXXXXX Account # XXXXXXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX XXXX  Account # XXXX XXXXXXXX XXXX XXXX Account # XXXX According to FCRA section 605b it is illegal to report information on my credit report without my permission please remove this item from my credit report immediately