davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-14
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. (NV)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2023-12-14
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. (MD)

1 ) I have unauthorized credit inquiries XXXX XXXX on XX/XX/ i did not authorized 2 ) .XXXX  on XX/XX/ was not authorized 3 ) XXXXXXXX XXXX was not authorized
Consumer complaint received 2023-12-14
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)

Experian provide results of dispute on XXXX for : XXXX XXXX XXXX ( XXXX ) # XXXX XXXX XXXX XXXX # XXXX Experian results dated XXXX stated accounts were deleted on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, However, these accounts are still on my Experian credit report. 

FCRA states that consumers have to notify consumers that deleted accounts that will be reinserted in file. 

I never received any correspondence stating deleted XXXX XXXX XXXX ( XXXX ) accounts were to be reinserted in my Experian credit report. This is a clear violation of the FCRA. 

Attached are screenshots of dispute results with several dates stating ( XXXX ) accounts were deleted and now accounts are still on my file. 

Attached is screenshots showing XXXX accounts in my file.
Consumer complaint received 2024-04-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

I have expressed in written as well as verbal form that XXXX XXXX is in violation of my consumer rights. 
A letter was emailed as well as mailed in to XXXX XXXX expressing the violations of my consumer rights and that I did not give them any written nor verbal consent to share my information with anyone. 
However XXXX XXXX is ignoring federal laws and regulations and still sharing my information that is causing me signicant financial loss. 
As of XX/XX/2024 XXXX XXXX XXXX is showing that I am 150 days late on my credit report. 

In accordance to the fair credit reporting act XXXX XXXX has violated my rights in accordance to 15 USC 1681 Section 602 states I the consumer have the right to privacy.

15 USC 1681 section 604 A section 2 Also states that a consumer agency can not reporting agency can not furnish a account without my written instructtions.

15 USC 1666b A creditor may not treat a payment on a credit crd account under an open end consumer credit plan as late for any purposes.

I have made several complaints about this matter and yet nothing has been done
Consumer complaint received 2023-03-24
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. (MS)

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$830.00} XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$630.00} ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX Balance : {$1200.00} ; XXXX XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX
Consumer complaint received 2024-04-04
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. (UT)

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, 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 ( Original Creditor : XXXX XXXX XXXX ) # XXXXXXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX ( Original Creditor : 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 2023-06-16
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WESTERN UNION COMPANY, THE (NY)

I made a money transfer on XX/XX/2023 of {$2000.00} to my cousin in XXXX who needed the money to pay his semester fees as his parents are facing financial difficulties. Western Union said the money was delivered to the receiver on XX/XX/2023 but my cousin did not receive it. He contacted his bank, who said they did not receive any money from my account. I called up Western Union, they said it would take them 7 business days to investigate. I called them XX/XX/2023, as they did not get back to me. They said they had no update and would expedite the issue. I called them again on XX/XX/2023 as I did not hear from them. They said that they are still investigating. When I asked for a refund, they told me they don't do refunds. I really need your assistance as sending that amount was not easy on my own financials.
Consumer complaint received 2023-12-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (VA)

I am writing to express my serious concerns regarding the inaccurate information on my credit report, which is maintained by Experian Information Solutions , Inc. Despite my efforts to rectify the errors, it has come to my attention that the discrepancies persist, and this has caused significant harm to my financial standing. 

I have made multiple attempts to dispute the inaccuracies through the proper channels, as outlined in the Fair Credit Reporting Act ( FCRA ). However, it appears that these efforts have not been successful, and the inaccuracies persist. 

I believe that Experian Information Solutions , Inc. has failed in its duty to ensure the accuracy and integrity of the information in my credit report, as mandated by the FCRA. This failure has resulted in damage to my creditworthiness and has adversely affected my ability to obtain credit on fair and reasonable terms. 

I am hereby providing notice of my intent to pursue legal action against Experian Information Solutions , Inc. for violations of the FCRA and any other applicable laws. I believe that your company 's actions have caused me substantial harm, and I am left with no alternative but to seek legal remedies to address this matter. 

I strongly urge Experian Information Solutions , Inc. to promptly investigate and correct the inaccuracies on my credit report in accordance with the provisions of the FCRA. Failure to do so will leave me with no choice but to proceed with legal action. 

Please consider this letter as a final opportunity to rectify the situation before legal proceedings are initiated. I expect your prompt attention to this matter and a timely resolution.
Consumer complaint received 2023-11-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

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. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. Or list of inquiries 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 2023-12-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (IL)

My name is XXXX XXXX and I am formally requesting in writing for you to remove a hard inquiry on my Experian Credit Report. The hard inquiry XXXX was reported on my Experian credit report on XX/XX/XXXX. I never applied for any credit card or any other type of credit with XXXXXXXX XXXX on or around that date ( XX/XX/XXXX ). I did speak to several representatives at XXXX XXXX and they said that Experian needs to remove the Inquiry. When I spoke to Experian, they told me the business ( XXXX XXXX or XXXX ) is the entity that reported the inquiry to them ( Experian ). What is published on the credit report results from information sent over by the credit card companies ; Experian does not arbitrarily add any information on reports - everything originates from the business. After numerous phone calls and several conversations, I had with the representatives from XXXX XXXX, XXXXXXXX XXXX determined that I did not have any information on file with my name, social security number, address and date of birth - applying for a credit card on XX/XX/XXXX. When I initially called on XX/XX/XXXX, the representative at XXXX XXXX told me that someone tried to apply for a credit card using my social security number and that the application was denied due to insufficient data ( information ) -the representative from XXXX XXXX told me it ( removal of inquiry ) would be taken care of but apparently, it was not. The problem is that I am getting conflicting stories regarding how the " inquiry '' landed on my Experian credit report. Neither Experian or XXXX XXXX is being cooperative in trying to help me resolve this matter. Both entities keep blaming each other and I am in the middle getting nowhere. 

Update - When I faxed XXXXXXXX XXXX a letter ( attached ) with the information ( credit report ) they requested- they mailed me a response saying they can not process my request. XXXX XXXX is requesting on their letter that they want my account number- which I do not have since I never applied for credit! It appears that XXXX XXXX is denying the fact that I exist in their credit reporting system and Experian is saying they can't remove the inquiry since XXXX XXXX sent them the information- please help me fix this! The inquiry does not belong on my credit report.
Consumer complaint received 2024-01-06
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. (GA)

I have reached out to Experian numerous times about These erroneous credit Hard pulls on my credit report that are not mine and I want them deleted off of my credit report immediately! They are as Follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I was denied a apartment based off of XXXX XXXX XXXX report stating that I have a landlord debt of {$370.00} when in fact the debt they are listing as a landlord debt is a cable company XXXX, XXXX XXXX XXXX reporting this information incorrectly is preventing me from obtaining a safe place to live, XXXX is providing this incorrect information to XXXX XXXX XXXX which is preventing me from getting a home.
Consumer complaint received 2023-12-14
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)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or XXXX XXXX XXXXXXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
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 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 Balance : {$0.00}. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2024-11-19
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)

Subject : Dispute of Unauthorized Credit Inquiries I have noticed unauthorized inquiries on my credit report that I did not consent to. Upon reaching out to the creditors responsible, they confirmed that they have no record of my initiating these inquiries or providing any verbal or written authorization. Since these inquiries are not valid, I kindly request your immediate removal from my credit report. 
I previously filed a formal complaint with the Federal Trade Commission ( FTC ) regarding unauthorized inquiries on my credit report. The reference number for that complaint is [ FTC Complaint Number XXXX, filed on FTC Complaint Date XX/XX/XXXX. 

" I am attaching the report of the formal complaint filed with the Federal Trade Commission ( FTC ) as additional support for this claim. This report reinforces my request for the removal of unauthorized inquiries from my credit report, as it details the lack of authorization for these inquiries and the inadequate response from the credit bureau involved. '' Details of Disputed 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  ( Fair Credit Reporting Act, FCRA ) : Permissible Purposes : According to Section 604, unauthorized inquiries do not meet the permissible purpose requirements. 
Handling Unverifiable Information : Under Section 611, inquiries that can not be verified must be deleted. 
Right of Verification : Section 609 grants me the right to verify each inquiry with an original signed contract. 
Information Provider Responsibility : Section 623 requires reported data to be accurate and authorized. 
Protection Against Identity Theft : Section 605A mandates the removal of unauthorized inquiries that may be related to identity theft. 
Additional Legal Support : The cases XXXX XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX, XXXX ( XXXX ) reinforce that inquiries must comply with the FCRA 's permissible purposes. 

Formal Request : I am formally requesting a thorough and manual investigation of the disputed inquiries and their removal if there is no verifiable documentation. I reserve the right to take legal action and file an additional complaint with the CFPB and my state 's Attorney General. 

XXXX XXXX XXXX
Consumer complaint received 2024-11-19
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. (IN)

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, XXXX, XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of Accounts : XXXX XXXX XXXX Account XXXX XXXXXXXX date opened XX/XX/XXXX Bal. {$14000.00}, XXXX XXXX XXXX XXXX XXXX XXXXXXXX date opened XX/XX/XXXX Bal. {$100.00}, XXXXXXXX XXXX XXXX XXXX XXXXXXXX date opened XX/XX/XXXX Bal. {$0.00}. 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 These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX XXXX XXXXXXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2023-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v Gravens ( mo ) 281 SW 715, 715. I presume that no proof of the alleged debt, nor therefore any such debt in fact therefore exists.
Consumer complaint received 2024-04-04
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: Experian Information Solutions Inc. (TX)

I'm aware that under FCRA 605B, it's necessary to eliminate any incorrect accounts from my credit report. Would you mind reviewing the documents? I've noticed that several of the listed accounts appear to be inaccurate, which is causing me concern.
Consumer complaint received 2023-12-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (VA)

I am writing to express my serious concerns regarding the inaccurate information on my credit report, which is maintained by Experian Information Solutions , Inc. Despite my efforts to rectify the errors, it has come to my attention that the discrepancies persist, and this has caused significant harm to my financial standing. 

I have made multiple attempts to dispute the inaccuracies through the proper channels, as outlined in the Fair Credit Reporting Act ( FCRA ). However, it appears that these efforts have not been successful, and the inaccuracies persist. 

I believe that Experian Information Solutions , Inc. has failed in its duty to ensure the accuracy and integrity of the information in my credit report, as mandated by the FCRA. This failure has resulted in damage to my creditworthiness and has adversely affected my ability to obtain credit on fair and reasonable terms. 

I am hereby providing notice of my intent to pursue legal action against Experian Information Solutions , Inc. for violations of the FCRA and any other applicable laws. I believe that your company 's actions have caused me substantial harm, and I am left with no alternative but to seek legal remedies to address this matter.

I strongly urge Experian Information Solutions , Inc. to promptly investigate and correct the inaccuracies on my credit report in accordance with the provisions of the FCRA. Failure to do so will leave me with no choice but to proceed with legal action. 

Please consider this letter as a final opportunity to rectify the situation before legal proceedings are initiated. I expect your prompt attention to this matter and a timely resolution.