davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-22
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. (IN)

While checking my most recent credit report, l noticed unauthorized and fraudulent credit inquiries made by the following companies : Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 I did not authorize anyone employed from this companies to make inquiries and view my credit report. In addition, l did not give you ( credit reporting agency ) permission to furnish this information onto my credit report. This is a violation of the credit reporting act section 1681b ( c ) which constitutes as fraudulent activity but it's a serious breach of my privacy right.

Please validate this information with these companies and provide me with the copies of any document associated with these accounts bearing my signature, authorized an inquiries.

In the absence of any such documentation bearing my signature, l formally request that these fraudulent inquiries be immediately deleted from the credit file you maintain under social security number.
Consumer complaint received 2024-04-22
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)

I HAVE CONTINUOUSLY CHALLENGED THE INACCURACIES IN THE INFORMATION PROVIDED TO XXXX, EXPERIAN, AND XXXX. UNFORTUNATELY, THE ISSUE REMAINS UNRESOLVED AT THIS TIME. AS CONSUMER, I AM REALLY SO FRUSTRATED THAT NO ACTION IS BEING TAKEN BY THE FOLLOWING BUREAUS : XXXX : XXXX. Under XXXX XXXX XXXX - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers to provide accurate information XXXX Account Number : XXXX This information has been disputed. However, this report is still showing the information inaccurately. This is a direct violation of XXXX XXXX Code XXXX ( a ) ( XXXX ) ( B ) and ACCOUNT NAME AND NUMBER must be removed.. 


EXPERIAN : XXXX. The following personal information is incorrect Also Known As : XXXX XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX  XXXX, GA XXXX XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX  XXXX, GA XXXX XXXX XX/XX/XXXX XXXX. Under XXXX XXXX XXXX - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers to provide accurate information XXXX Account Number : XXXX This information has been disputed. However, this report is still showing the information inaccurately. This is a direct violation of XXXX XXXX. 
Code XXXX ( a ) ( XXXX ) ( B ) and { ACCOUNT NAME AND NUMBER } must be removed. 
XXXX. Under XXXX XXXX XXXX - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers to provide accurate information XXXX XXXXXXXX Account Number : XXXX This information has been disputed. However, this report is still showing the information inaccurately. This is a direct violation of XXXX XXXX. 
Code XXXX ( a ) ( XXXX ) ( B ) and this account not mine must be removed XXXX : XXXX. The following personal information is incorrect Also Known As : XXXX, XXXX, XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX  XXXX, GA XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, IA XXXX XXXX. The following personal information is incorrect Employers : XXXX XXXX XXXX XXXX. Under XXXX XXXX XXXX - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers to provide accurate information XXXX XXXX Account Number : XXXX This information has been disputed. However, this report is still showing the information inaccurately. This is a direct violation of XXXX XXXX. 
Code XXXX ( a ) ( XXXX ) ( B ) and this account not mine must be removed
Consumer complaint received 2024-06-12
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC. (NJ)

I understand that according to FCRA 605B, it's vital to remove any inaccurate accounts from my credit report. Could you please review the documents? I've noticed that many of the listed accounts seem to be incorrect, and this is concerning to me.
Consumer complaint received 2024-04-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

Subject : Failure to Correct Duplicate Student Loan Entries by Experian I am filing this complaint due to Experian 's repeated failure to correct significant errors on my credit report. Despite multiple disputes filed regarding the inaccurate duplication of student loan entries by the Department of EducationXXXX XXXX Experian has not taken appropriate action to resolve these errors. 

Detailed Issue : Nature of Dispute : My credit report incorrectly displays multiple entries for student loans originally held by the Department of EducationXXXXXXXX but were transferred to XXXX XXXX XXXX These loans are still appearing as active under the Department of EducationXXXX on my credit report, with duplicate entries updated as of XX/XX/2023, for various amounts, totaling 15 erroneous entries.

Dispute History with Experian : I have disputed these inaccuracies with Experian on multiple occasions. Each time, my dispute has been either dismissed or inadequately addressed, with no proper investigation or correction made. This continuous oversight on XXXX part is unacceptable and unprofessional, contributing to ongoing inaccuracies in my credit profile. 

Impact of Inaccurate Reporting : These duplicated entries misrepresent my debt level and creditworthiness, potentially affecting my financial stability and ability to secure future credit opportunities at favorable rates. The lack of resolution from Experian has directly impacted my financial health.
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-07-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

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. 
XXXX XXXX XXXX XXXX Balance : {$760.00} XXXX XXXX XXXX XXXX Balance : {$2100.00} XXXX XXXX Balance : {$3100.00} XXXX XXXXXXXX Balance : {$840.00}
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: GOLDMAN SACHS BANK USA (NC)

In accordance with the fair credit reporting act Goldman & Sachss has violated my rights.


15 USC 1681 section 602 states I have the right to privacy. Section 15 USC 1681 section 604A section 2 states : its also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B states a creditor may not treat a payment on a credit card under an open end consumer credit plan as late for and purpose.
Consumer complaint received 2024-04-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (VA)

Despite numerous attempts to address these inaccuracies with the reporting agencies, the negative items remain unchanged, affecting my ability to secure credit and loans. I believe these inaccuracies stem from erroneous reporting or misunderstanding of my financial history.
Consumer complaint received 2024-08-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2024-04-22
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 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 these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.
Consumer complaint received 2024-04-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NC)

Despite numerous attempts to address these inaccuracies with the reporting agencies, the negative items remain unchanged, affecting my ability to secure credit and loans. I believe these inaccuracies stem from erroneous reporting or misunderstanding of my financial history.
Consumer complaint received 2024-04-22
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)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Recently I pulled my credit report which caused great XXXX, and seen that this Experian account is reporting incorrectly, I noticed multiple names and numbers that are not Mine. I have since Filed a FTC report, to fix this issue. And have attached it to todays complaint, I have sent the company multiple letters And also reached out to XXXX and XXXX  to remove These multiple names And addresses this from my credit profile. There has since been a breach In XXXX XXXX along with Experian. Iam Fearful that my information could end up on the dark web. Please delete the following below and send me an updated report. 

Phone Numbers : ( XXXX ) XXXX and ( XXXX ) XXXX XXXX XXXX Name ID # XXXX XXXX XXXX Name ID # XXXX XXXX XXXX Name ID # XXXX XXXX XXXX Name ID # XXXX XXXX XXXX Name ID # XXXX XXXX XXXX Name ID # XXXX XXXX XXXX XXXX  Name ID # XXXX XXXX XXXX XXXXXXXX Name ID # XXXX XXXX XXXX XXXXXXXX Name ID # XXXX XXXX XXXX Name ID # XXXX XXXX XXXX  Name ID # XXXX The above Name with the Name Id Are Incorrect or is not my Information I have attached proof of identity, To this document here today
Consumer complaint received 2024-04-22
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 XXXX XXXX XXXXXXXX has violated my rights. 

15 U.S.C 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 hand written instructions.
Consumer complaint received 2024-04-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (NC)

I did not consent to, or authorize nor benefit from any of the following accounts and information. Block and remove it. Please also send me a copy of my updated report with the updated result of your investigation. XXXX
Consumer complaint received 2024-04-22
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. (OH)

Upon thorough examination of my credit report, I have identified hard inquiries that are unfamiliar to me. Subsequently, I have initiated contact with all three Credit Reporting Agencies, requesting either their removal or a thorough investigation into these inquiries. Enclosed herewith is an FTC report detailing the unauthorized inquiries, inclusive of those delineated in the personal Statement section, which warrant expeditious removal from my credit profile.

15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding inquires, Except as provided in section 15 USC 1681g ( a ) 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with credit or insurance transaction that is not initiated by a consumer XXXX XX/XX/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
Consumer complaint received 2024-08-23
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. (VA)

Im not liable with this debt with XXXX XXXX, XXXX, Virginia XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX. I do not have a contract with this collection agencies. They did not provide me with the original contract as requested. 

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, Virginia XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX, has violated my rights. 


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 2024-05-01
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. (FL)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. 
XXXX XXXXXXXX
Consumer complaint received 2024-04-22
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. (CA)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2024-04-22
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. (AZ)

I called XXXX, to remove this unverifiable and inaccurate information per the FCRA. 
The representative asked me 2 each question to verify myself which i complied but after the second request, i said why u want my email address, it's not reporting on my file? 

We get in my account ironically and i say these accounts need to be removed because these are unverified. she said i need to write a paper to send to them. I said where in the law or policy does it say that and send me a copy so i can comply. Me the living woman am doing what is required of me, which is to call verify myself and get this removed. Now Experian already removed them, and admitted they gave companies permission WITHOUT my consent to look at my credit report and offer me deals, that i always get denied for. Its not fair, its an invasion of privacy, this goes against the FCRA, PRIVACY ACT, and many other laws made to protect me. 
The rep argued back and forth i said let me speak to a supervisor. They transferred me to the supervisor on XX/XX/2024 @ XXXX XXXX XXXX time. and they hung up on me. 
they can not negatively report on my account and get away with it. 

I am seriously harmed non physically by XXXX, because they could have easily removed it like EXPERIAN did, instead they left it on my report and i get denied for almost everything. since they both ( all credit reporting agencies ) give permission for companies to look at my file without my ORAL/WRITTEN CONSENT. 
I need to be COMPENSATED.
Consumer complaint received 2024-04-22
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. (AK)

I am contacting you to dispute the appearance of this bankruptcy on my credit report. It's concerning because I have a letter from the court explicitly stating it should not be reported to you. Furthermore, the involvement of an unauthorized third party only heightens the absurdity of this situation.
Consumer complaint received 2024-04-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

To whom it may concern : I am writing to you because I noticed some inconsistencies on my credit report. This is damaging my XXXX XXXX and needs to be looked at immediately. Please see items listed below. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  You are reporting a late payments, yet XXXX and Experian are reporting that I paid on time. This is inaccurate reporting so please remove this late payment off my credit report and update it to paid as agreed for I made my payment.
Consumer complaint received 2024-04-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (LA)

XXXX XXXX XXXX XXXX card continues to furnish illegal inaccurate late payments on my Credit Report. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX are inviolation of FCRA of late payments being invalid on open end credit accounts I have also included screenshots of my payments made XX/XX/XXXX & XX/XX/XXXX. 
My backpack and cards were stolen on XX/XX/XXXX which prevented contact for work and my deposits. Account was closed and switched.
Consumer complaint received 2024-04-22
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 DEPTEDXXXX XXXX XXXX has violated my rights. 

15 U.S.C 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 hand written instructions.
Consumer complaint received 2024-04-22
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)

I have identified accounts on my credit that are results of identity theft. These items are not related to any transactions caused by me. I have read that I have rights to have my information blocked and removed pursuant to 15 USC 1681c2. Pleas honor my request and remove these accounts immediately. I am a living person do not close this investigation until full proof is sent items are removed..
Consumer complaint received 2024-05-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to inform you that the associated accounts linked with XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX has undergone successful discharge through the Internal Revenue Service ( IRS ) via a 1099C form. Attached herewith is Copy B of the processed 1099C from the IRS for your reference.

As a direct consequence of this account being settled and discharged by the IRS through a 1099C, I hereby request the immediate deletion of the charged off accounts currently being reported on my consumer report. Your prompt attention to this matter is greatly appreciated. 

Thank you for your cooperation.
Consumer complaint received 2024-04-22
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. (FL)

I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.