davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (AZ)

The FCRA 605B stipulates the eradication of any misrepresented accounts from my credit report. These accounts exhibit inaccuracies in their reporting. Compensation of {$1000.00} per inaccurate entry in my credit file is warranted.
Consumer complaint received 2024-05-11
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. (GA)

On or about XXXX of 2023 I noticed accounts showing up in my credit report. I did an investigation, and found that my identity was stolen and used fraudulently to open various accounts in my name. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have my police report and copies of my identity proving who I am and were I reside. I'm trying to buy my first home and it has been a up hill battle. 
Thank you for your time Sir/Madam
Consumer complaint received 2024-05-11
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. (IL)

I noticed errors on my credit report and sent dispute letters to Experian and XXXX XXXX months ago. It's been more than XXXX days, and neither has responded, which violates 15 USC 1681 ( a ) ( 1 ) ( A ).

According to 15 USC 1681 ( a ) ( 1 ) ( A ), if a consumer disputes the completeness or accuracy of any information in their file at a consumer reporting agency, and the agency receives notice of the dispute, they must conduct a reasonable reinvestigation within XXXX  days. 

If they can not correct this issue and accurately reflect my on-time payments, I demand that they remove it entirely from my credit report because it is affecting it negatively.
Consumer complaint received 2024-05-11
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. (IL)

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, 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 XXXX 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 2024-05-11
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. (PA)

I have always ensured timely payments on this account, never letting them become overdue. I am unsure about the reasons for reports of late payment remarks on my accounts. According to 15 USC 1666b - Billing Error should be corrected.
Consumer complaint received 2024-05-11
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. (PA)

FCRA 605B, I believe, mandates the elimination of any erroneous accounts from my credit report. Could you please review the documents? Some of the listed accounts are inaccurate in terms of reporting, with incorrect amounts and dates.
Consumer complaint received 2024-05-11
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. (VA)

To whom it may concern, this correspondence is being submitted to verify the fact that I, XXXX XXXX, would like to have specific information deleted from my credit report, due to the fact that I have been a victim of identity theft ; The charges in question were not made by me. I am respectfully requesting that these items be permanently removed from my credit report. I have complied with reporting the theft of my identity to the XXXX XXXX XXXX I also have copies of the XXXX XXXX XXXX XXXX Identity Theft Affidavit. To review your records. As stated previously I am requesting to have the said Items removed from my credit report in a timely fashion. Thanking you in advance for your attention to this matter.
Consumer complaint received 2024-05-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: SYNCHRONY FINANCIAL (CT)

I suspected identity theft and took action to stop it. My credit report is showing the accounts and they arent mine. REMOVE them please ; delete the accounts from my credit report. The reporting is an error and ( the accounts are not mine ). I dont have a knowledge of them. My entire cred report *is flooded with accounts that arent mine.
Consumer complaint received 2024-05-15
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. (IL)

For the past seven months, the credit bureaus has been reported negative errors on my credit profile, and I would like to remove immediately I have not authorized or consented to any company trying to obtain my credit report
Consumer complaint received 2023-04-27
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: Experian Information Solutions Inc. (GA)

In accordance with Fair Credit Reporting act XXXX Account, 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 it also states a consumer reporting agency can not furnish a account without my written instructions 15 U S C 166b A Creditor may not treat a payment on credit card accounts open end consumer credit plan as a late for any reason.
Consumer complaint received 2024-05-12
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. (TX)

XX/XX/2024 To whom it may concern @ the CFPB : I am writing to bring to your attention unauthorized inquiries that have been made in my credit report. The creditors, who did not have a permissible purpose to access my consumer report, made the inquiries. 
15 U.S. Code 1681b governs how a third party can access my consumer report. They did not have permission or a reasonable business need. 
According to the Fair Credit Reporting Act, creditors are only allowed to pull a consumers credit report with their permission or if there is a legitimate business need. It has come to my attention that several creditors have pulled my credit report without my consent or any valid reason. 
I am requesting that these unauthorized inquiries be removed from my credit report immediately. I have attached a list of the creditors and the date of the inquiries for your reference. I trust that you will investigate this matter thoroughly and take the necessary steps to rectify the situation. 
Thank you for your prompt attention to this matter. I look forward to hearing back from you soon, regarding the complete removal of these unauthorized inquiries. 


SINCERELY, XXXX XXXX XXXX
Consumer complaint received 2024-05-11
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. (PA)

On this account, I have consistently ensured timely payments, never letting them become overdue. I am unsure about the reasons for reports of late payment remarks on my accounts. According to 15 USC 1666b - Billing Error should be corrected.
Consumer complaint received 2024-05-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Paramount GR Holdings, LLC (TX)

I am a victim of FRAUD! I am disputing the validity of the GoodLeap loan in my name that originated on or about XX/XX/XXXX. I am filing this complaint as a direct response to being notified by GoodLeap 's XXXX XXXX XXXX XXXX XXXX The FRAUD against me was committed by GoodLeap 's XXXX XXXX XXXX. I am XXXX XXXX XXXX XXXX  and I did NOT agree to this loan with the financed amount of {$47000.00} and {$150000.00} paid over time, ( 25 years ) is ridiculous. I will be XXXX or deceased by the expected payoff date. Also, I was never asked for a copy of my electricity bill and I never shared my personal information. My highest electricity bill is lower than the monthly payments on this loan. It just doesn't make sense. XXXX provided me with the name ( XXXX ) and phone number ( XXXX ) of XXXX XXXX to whom the funds were paid on my behalf. I called the number and left a voice message. I received a phone call back from XXXX XXXX XXXX XXXX XXXX informed me that he worked for XXXX XXXX XXXX XXXX XXXX  a sister company of XXXX XXXX. I have no idea of the checks and balances in GoodLeap 's Policies and Procedures to verify proof of work and customer knowledge and awareness of the agreement. I was approached by a gentleman telling me about the new government solar program FREE to XXXX XXXX He said he would return to complete the paperwork and send a crew to install the panels. He never came back but a few days later a crew did install the panels. However, the panels are attached to the roof only, without electricity and there is NO permission to operate by XXXX. This to me is proof that XXXX XXXX did the bare minimum to satisfy the requirements for GoodLeap to release funds on my behalf without my knowledge. XXXX and I have been communicating for months now and the only response is that the matter is under investigation. I have asked XXXX to pull the welcome call to identify who is posing as me. As of XX/XX/XXXX, XXXX is still unable to locate the call. I stand by the fact that I did NOT share my personal information with anyone and I did NOT provide a wet signature or an adopted XXXX XXXX XXXX on any device. It is clear that GoodLeap accepted this loan and paid money on my behalf that I did not request. The only solution to this problem is for GoodLeap to cancel the FRAUDULENT loan and make me whole by removing the panels from my roof restoring my roof to its original condition and removing all derogatory reports from my credit. GoodLeap has my permission to discuss this matter in full detail with XXXX XXXX  XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-22
Product: Credit reporting 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: Experian Information Solutions Inc. (NV)

This will follow my previous complaint filed on XX/XX/year> where in I advised the CFPB that even with repeated written requests and letters XXXX or more of the credit bureaus have failed to provide a copy of my annual report and credit score. I do not have a SSN but I do have a Tax ID #, and it is impossible for me to access my reports online or file any disputes online. I can only request reports to be delivered to me by mail which is a very frustrating and time consuming process. My XXXX is not good so calling in is also not a very good option for me. Unfortunately even after filing a complaint and sending in multiple letters to the credit bureaus, I still have not received an updated copy of my full report or scores from any of the XXXX credit bureaus. I also attached a copy of my original complaint because there are several accounts that I do not recognize and I am not sure if the credit bureaus have done anything about this. Also, XXXX keeps sending me notices saying that the can not locate my file, however, I have attached a copy of my XXXX score from XXXX XXXX so I am not sure how XXXX can say I have no file but XXXX is providing me with a XXXX score from my XXXX report.
Consumer complaint received 2024-05-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

To Whom It May Concern, I XXXX XXXX XXXX am writing to file a formal complaint regarding a violation of the Fair Credit Reporting Act ( FCRA ) by XXXX XXXXXXXX XXXX Pursuant to 15 USC 1681, I believe my rights under the FCRA have been violated in the following manner : 1. This charge off collection is reporting inaccurately its reporting CO every month. Thats a violation. This account isnt reporting to all of the 3 credit bureaus just XXXX and Experian thats a violation. 

2. This charge off account is reporting inaccurately on EXPERIAN stating the account is charged off, written off, & past due. Which is a violation. Since the account is closed. The status hasnt updated since XX/XX/year> thats another violation. 

This violation has resulted in significant harm to my financial well-being and has adversely affected my ability to obtaining good credit, securing a house. 

I have attempted to resolve this matter directly with XXXX XXXX XXXX but my efforts have been unsuccessful. Therefore, I am seeking assistance from the Consumer Financial Protection Bureau to investigate this issue and take appropriate action to rectify the violation. I respectfully request that the Consumer Financial Protection Bureau investigate this matter promptly and take any necessary enforcement actions to ensure compliance with the FCRA. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-05-11
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. (PA)

I have always ensured that payments on this account are made on time, never allowing them to become overdue. I am unsure about the reasons for reports of late payment remarks on my accounts. According to 15 USC 1666b - Billing Error, corrections should be made.
Consumer complaint received 2024-05-11
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. (IL)

I recently reviewed my credit report and noticed an account that was not reporting accurately, i had XXXX late payments on XXXX XXXX XXXX that i 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 I've attached a copy of my report to this complaint on the following dates XX/XX/23, XX/XX/23. 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 2024-05-11
Product: Credit reporting 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: Experian Information Solutions Inc. (GA)

SINCE XX/XX/year> I HAVE NOT ABLE TO SEE MY CREDIT REPORT. I CALLED NUMEROUS TIMES TO RESOVE THE ISSUE. THEY SAID THE ADRESS WILL BE UPDATED IN 72 HOURS AND IT HAS NOT BEEN UPDATE. THE LAST WE SPOKE WAS YESTERDAY XX/XX/year>. AND IT SAYS UPDATED AND STILL NO ADRESS OR NO UPDATED CREDIT SCORE. ALSO, I SPOKE TO A REPSENTATIVE SAYING THEY DIDNT RECIVE MY PAPERWORK THAT I SENT ON MY MONDAY WITH CERTIFIED MAIL.
Consumer complaint received 2024-05-13
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. (CA)

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




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 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-05-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (AL)

These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. 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 in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.
Consumer complaint received 2023-04-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (PA)

I am extremely concerned and anxious about the inaccurate late payment that is appearing on my account despite always making payments on time. I have never missed a payment and am therefore requesting that you take immediate action to update my account and remove the erroneous late payment from my record. This issue is causing me significant distress, and I urge you to rectify it as soon as possible.
Consumer complaint received 2024-05-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CO)

My loans are being double reported on my credit report. I have a consolidated loan of a total of {$56000.00} with XXXX XXXX. Included in the loan is {$22000.00} and {$33000.00}. On my credit report the {$56000.00} total is shown but also a separate loan for {$22000.00}. I have contacted both XXXX XXXX  and Experian. The issue had been resoled but then weeks later it gets double reported again. I have disputed with Experian multiple times, in which XXXX XXXX has sent my updated loan amount but every time my dispute is either denied, or the loan amount is corrected for a few weeks and then changed out. These are the dates of the XXXX, XX/XX/year>. My XXXX XXXX keeps lowering because of their false and double reporting of my loan amount.
Consumer complaint received 2024-05-11
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)

By the Fair Credit Reporting Act, all charge-off accounts from XXXX XXXX have 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 also states a consumer reporting agency can not furnish an account without my written instructions. I did not authorize anyone employed by these companies to open any accounts. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) which constitutes fraudulent activity and is also a serious breach of my privacy rights. The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. 

I need these accounts removed from my credit report immediately : XXXX XXXX / Opened XX/XX/2023 / Original Balance of {$1500.00} XXXX  XXXX / Opened XX/XX/2023 / Original Balance of {$4600.00}
Consumer complaint received 2024-05-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IN)

It's a requirement under FCRA 605B to eliminate any inaccurate accounts from my credit report. These accounts are incorrectly reported. I'm owed {$1000.00} for every incorrect entry on my credit file.
Consumer complaint received 2024-05-11
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. (NJ)

MY CREDIT PROFILE IS INACCURATE WHICH IS NOT FAIR TO ME. PLAESE INVESTIGATE THIS AND FIX IT. IM REALLY SICK AND TIRED OF THESE XXXX. SHOULD THERE BE ANY UPDATES ON MY INQUIRIES. IM GON NA GO TO COURT.