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. (FL)

I am writing to bring to your attention a serious violation of my privacy rights by XXXXXX/XX/XXXX, a matter that falls under the purview of the Privacy Act of 1974 ( 5 USC 552a ). I believe the bank 's actions not only contravene the provisions of the Privacy Act but also implicate additional federal regulations, including 5 USC 552b, 16 CFR 313.7, 12 CFR 1016.1, and others, thereby necessitating your intervention and investigation. 

The specific instances of XXXX XXXXXX/XX/XXXXnon-compliance with the aforementioned statutes and regulations are as follows : 5 USC 552a - Privacy Act of 1974 : XXXX XX/XX/XXXX has failed to uphold the principles outlined in the Privacy Act of 1974. Despite the Act 's explicit provisions requiring financial institutions to safeguard and protect the confidentiality of individuals ' personal information, the bank 's actions have resulted in a breach of my privacy rights. I hereby request a thorough investigation into the bank 's practices in this regard. 

5 USC 552b - Freedom of Information Act ( FOIA ) : I believe that XXXX XX/XX/XXXXhas not adhered to the provisions of 5 USC 552b, which govern the disclosure of information and records. It appears that the bank may have disclosed sensitive information without proper authorization, thus violating the requirements of transparency and accountability outlined in this statute.

16 CFR 313.7 - Privacy of Consumer Financial Information : The bank 's conduct may also fall under the scope of 16 CFR 313.7, which pertains to the privacy of consumer financial information. If XXXX XXXXXX/XX/XXXX has failed to comply with the requirements of this regulation, it further strengthens my case against the institution for the improper handling of my personal financial data. 

12 CFR 1016.1 - Privacy of Consumer Financial Information - Standards for Safeguarding Customer Information : XX/XX/XXXX failure to adhere to the standards set forth in 12 CFR 1016.1, which outlines the requirements for safeguarding customer information, raises additional concerns regarding the bank 's data protection practices. 

I kindly request that the Consumer Financial Protection Bureau undertake a comprehensive investigation into these matters, considering the gravity of the violations and the potential harm caused by the bank 's actions. Furthermore, I urge the Bureau to take appropriate enforcement actions to ensure that XXXXXX/XX/XXXX rectifies its non-compliance with federal privacy laws. 

Enclosed with this letter, please find supporting documentation, including any relevant correspondence with XXXX XX/XX/XXXX that may assist in your investigation.
Consumer complaint received 2024-01-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NV)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-04-02
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. (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 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. (GA)

I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The listed account need to be investigated and corrected for erroneous reporting in my file and is listed on my credit report XXXX XXXX XXXX  Balance : {$110.00}
Consumer complaint received 2024-04-05
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)

account no. XXXX XXXX XXXX for the amount of {$5500.00}. 


Dispute of Unauthorized Disclosure of Information Pursuant to 15 USC 1681 Dear Sir/Madam, I am writing to formally dispute the unauthorized disclosure of my personal information by your agency, as outlined in 15 USC 1681 of the Fair Credit Reporting Act ( FCRA ). Upon reviewing my credit report, I discovered that you have furnished or obtained my information without my explicit written consent.

As per the FCRA regulations, it is imperative that any agency seeking to obtain or furnish an individuals credit information must first obtain written consent from the said individual. I wish to assert that I have never provided written consent to your agency to furnish or obtain my personal information. 

This unauthorized disclosure of my information not only violates my rights under the FCRA but also poses a significant risk to my privacy and financial well-being. I demand immediate cessation of any further disclosure or obtaining of my information without my explicit written consent. 

Furthermore, I request that you conduct a thorough investigation into this matter and provide me with documentation demonstrating the written consent I purportedly provided for the disclosure of my information. If you are unable to furnish such documentation, I expect a prompt correction of my credit report to remove any inaccuracies resulting from this unauthorized disclosure. 

Please acknowledge receipt of this dispute letter within the timeframe prescribed by law and inform me of the steps you will be taking to rectify this situation. Failure to comply with the FCRA regulations may result in legal action being pursued against your agency.

Thank you for your prompt attention to this matter.
Consumer complaint received 2023-12-14
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)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint a gainst you!
Consumer complaint received 2023-12-14
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (NY)

I hope this letter finds you well. I am writing to address a concern regarding the accuracy of my credit report. After a careful review, I have identified late payments on my credit report that I believe to be inaccurate. I am requesting your assistance in either removing or correcting these late payment entries promptly. 

I understand the significance of maintaining an accurate credit history and its impact on my financial standing. I am committed to ensuring the correctness of the information reported on my credit file. 

XXXX XXXX  XXXX This account was NEVER late. The late payment is erroneous. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX  customer service. XXXX  have already removed this account from their records. There was an error present & they were able to find it. I'm confused about how you've verified it while the other bureaus have removed it. Please delete this from my file. It is inaccurate, erroneous, incomplete, or unverifiable. 

XXXX XXXX This account was NEVER late. The late payment is erroneous. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX customer service I kindly request a thorough investigation into this matter and ask for the removal or correction of the inaccurate late payment entries from my credit report. It is crucial to me that my credit history accurately reflects my financial responsibility.
Consumer complaint received 2024-01-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MERCANTILE ADJUSTMENT BUREAU, LLC (TX)

Your company is reporting fraudulent inaccurate information on my credit report. I have requested that they provide the purchase agreement to show full ownership of such account and also other documents so I may review to see if this is actually an account that belongs to me.
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. (FL)

I'm writing to ask that unapproved credit inquiries be taken off my credit record. I discovered inquiries on my credit report that I had not approved when I obtained a copy of my credit report. They are listed below. 
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
Consumer complaint received 2023-03-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

Previously I had an issue with unauthorized activity to my XXXX account and during the dispute, the loan was charged off and added to my credit report. The charged off loan was settled and paid on XX/XX/ but it does not reflect accurately on my report and still shows as not paid.
Consumer complaint received 2024-04-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

1. ) XXXX XXXX XXXX XXXX XXXX XXXX 2. ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX 3. ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX - THIS ACCOUNT IS LISTED TWICE ON EXPERIAN! 
4. ) XXXX XXXX XXXX - ACCOUNT # XXXX I have attached the each account in the attached. 

These accounts are in violation! EXPERIAN AND XXXX have allow violations and they continue to willfully do harm. 
Under 15 U.S. Code 1681b Permissible purposes of consumer reports. I have never given written consent for any reporting on my consumer reports, and am invoking this law to address this issue. Consent is absent and this constitutes as fraud.

Unauthorized/Erroneous Account RESULT OF the XXXX Data Breach Direct Violation of The FCRA Reporting falsely. 
Under 15 U.S. Code 1692d-Harassment and abuse have been harassed and have trauma this account in violation.

Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction.

This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior I was not. As the original creditor only, I can validate this debt. I do not validate this debt.
Consumer complaint received 2024-04-05
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. (FL)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal to comply with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they fail to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the accounts I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-05
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 am writing to express my profound dissatisfaction and disappointment regarding the ongoing issue of fraudulent items persisting on my account. Despite my repeated attempts to rectify this matter, I am dismayed to find myself addressing it for the fourth time. 

Despite my efforts and the assurances I have received, the fraudulent items persist, causing me undue stress and financial hardship. 

The continued failure to address this issue reflects poorly on your company 's integrity and commitment to customer satisfaction. I have cooperated fully and provided all necessary information, yet the problem remains unresolved, eroding my trust in your organization. 

I demand immediate and decisive action to rectify this situation. I insist that the fraudulent charges be promptly removed from my account, and any associated fees or penalties resulting from this oversight be waived without delay. Furthermore, I expect a formal apology for the inconvenience, frustration, and financial harm caused by this negligence. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance : {$170.00} XXXX XXXX Balance : {$570.00} XXXX  XXXX XXXX Balance : {$800.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$3100.00} XXXX XXXX XXXXXXXX Balance : {$2400.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$920.00} XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX ) XXXX Balance : {$1700.00} XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX ) XXXX Balance : {$870.00} XXXXXXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX TX XXXX XXXX XXXX XXXX Balance : {$170.00} XXXX XXXX Balance : {$510.00} XXXX XXXX XXXX Balance : {$800.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Balance : {$570.00} XXXX  XXXX XXXX Balance : {$170.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance XXXX {$0.00} XXXX  XXXX Balance XXXX {$0.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$800.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$2400.00} XXXX XXXX XXXXXXXX Balance : {$9700.00} XXXX  XXXX  XXXX Balance : {$920.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-14
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 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 XXXXXXXX XXXX XXXX Account Number : XXXX Account name : XXXX XXXXXXXX  Account Number : XXXX Account name : XXXX XXXX XXXX  Account Number : 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.
Consumer complaint received 2024-04-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (NJ)

This letter is my XXXX  request to permanently remove the security freeze placed on my credit report. I previously submitted a request on I understand that a security freeze helps prevent unauthorized access to my credit report. However, I now need my credit report to be unfrozen for renting an apartment all info needed for verification is also attached to this letter
Consumer complaint received 2023-11-14
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. (KS)

I had contacted EXPERIAN and had supplied the info from XXXX XXXX which is where they get the public record info from. They have ignored that the public records no longer exist and said on several occasions that they would do what they wanted. Since I can no longer contact via phone I'm going this route. I just want them to stop playing me and remove them.
Consumer complaint received 2023-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I NOTICED INACCURATE INFORMATION ON MY CREDIT FILE AND I SENT IN SEVERAL DISPUTES, I NEVER RECEIVED A RESPONSE FROM ALL THREE CREDIT REPORTING AGENCIES REGARDING THE INVESTIGATIONS.
Consumer complaint received 2024-04-05
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. (FL)

I am filing a complaint on XXXX, XXXX XXXX Experian because in accordance with the Fair Credit Reporting Act, it is imperative that every detail on my credit report is completely accurate. However, I have observed numerous inquiries that were conducted without permissible purposes, constituting a violation of FTC law 604 [ 15 U.S.C. 1681b ]. 
The inaccurate inquiries are : XXXX. XXXX  XXXX XXXX. XXXX XXXX. XXXX XXXX XXXX XXXX
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. (GA)

I am writing to formally complain about the persistent challenges I have encountered in correcting late open accounts and removing charge-offs from my credit file. Despite multiple attempts, the inaccuracies remain on my credit report, causing undue distress and adversely affecting my financial standing. 

I have diligently followed the established dispute resolution process by submitting dispute letters, providing supporting documentation, and engaging in communication with your representatives. However, despite my best efforts, these inaccuracies persist, significantly impacting my creditworthiness and creating obstacles in securing credit and favorable interest rates. 

I request an immediate and thorough investigation into these matters to rectify the inaccuracies on my credit report. I expect a detailed response within the exact timeframe acknowledging the receipt of this complaint and outlining the steps that will be taken to address and rectify the late open accounts and remove the charge-offs. 

Should this matter not be resolved promptly, I XXXX be compelled to escalate my complaint to regulatory authorities and seek legal counsel to protect my rights. I am asking for your assistance to correct this late open account and remove the charge off in my credit file : XXXX XXXX XXXX XXXX : {$5100.00} Date Opened : XX/XX/2020 - You are reporting different information from other bureaus. XXXX FCRA, reporting must be 100 % accurate or the information must be updated. 

XXXX XXXX XXXX XXXX : {$0.00} - The limit to this account was a fraction of the amount due it as stated. That is utterly unfathomable! Had a proper investigation been conducted you would have seen the error and corrected it immediately. You failed to do your job ; you must now REMOVE THIS ITEM ALTOGETHER.
Consumer complaint received 2024-01-02
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: CAPITAL ONE FINANCIAL CORPORATION (TN)

I have No Knowledge of these hard inquiry 's The Higher Inquiries a result of identity theft, And That it Must Be Removed no later than 4 business days as per 15 USC 1681, c. Two
Consumer complaint received 2023-04-28
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Diverse Funding Associates LLC (MI)

I am writing to inform you that my rights under the Fair Credit Reporting Act ( FCRA ) have been violated by your company. Specifically, that XXXX has placed my account for collection and selling my information to DNF without my consent of communicating to any unauthorized third party and without XXXX providing me with an opt-out disclosure in our initial transaction, you are in in violation of 15 U.S. Code 1692c. 
As evidence of this violation, I have attached a copy of my consumer report, which shows that your company has placed my account for collection with the notation that the original creditor was XXXX. However, I have not given consent for my personal information to be shared with DNF Associates. 
This action by your company has caused me harm, and I am requesting payment of {$1000.00} for the violation. I request that you issue a check for this amount no later than 10 days after receipt of this letter. If this matter is not resolved within the allotted time frame I will take legal action against DNF Associates. I am demanding to cease all communication and reporting of this immediately. Do not contact me unless informing me of the remedy requested. The requested response must be made by affidavit. 
Sincerely, XXXX XXXX