davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-23
Product: Credit reporting, credit repair services, 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. (PA)

Based On, 15 U.S. Code XXXX 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that result from an alleged identity theft. not later than 4 business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOLATION Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY. 

Account Names : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Consumer complaint received 2024-03-20
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)

I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.
Consumer complaint received 2023-06-23
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. (NY)

Accordance with the Fair Cradit Reporting Act : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 account without my written instructions.
Consumer complaint received 2023-07-16
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

I went to XXXX XXXX XXXX for a used XXXX XXXX  XXXX. While asking if my credit report would have been ran more than once, they told me that they could not assure me that it would be only one inquiry. My credit was ran with XXXX XXXX Capital One, and I was denied for both. I have called Capital One Auto Finance with no success in talking to anyone about denial ( s ). I am sending my Notice of Dispute to Capital One Auto Finance.
Consumer complaint received 2023-04-23
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. (MI)

I asked the credit bureau to do a verification of everything on my credit report.And they did they stated everything was accurate. 
I did a thorough search of my own. There are inaccuracies after the credit bureau verification. 
In accordance with the Fair Credit Reporting act the following accounts have violated my rights Name of account XXXX XXXX ACCOUNT # XXXX VALIDATE ACCOUNT Name of account XXXX XXXX ACCOUNT # XXXX VALIDATE ACCOUNT Name of account XXXX  ACCOUNT # XXXX VALIDATE ACCOUNT Name of account XXXX ACCOUNT # XXXX VALIDATE ACCOUNT Name of account XXXX XXXX BANKRUPTCY ACCOUNT # XXXX 15 U.S.C. 1681 section 602 A states I have the right to privacy.

15 U.S.C. 1681 section 604 A section 2 : it also states consumer reporting agency can not furnish an 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 that antedates the report by more than seven years.

15 U.S.C. 1681 s-2 ( A ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency. 
If the person knows or have reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2017-09-21
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. (NH)

I disputed an account on my credit report that I had no knowledge of. Was supposed to be finished on XXXX/XXXX/17 and its still not resolved. Ive called all companies and theres no resolution and its been longer than 30 days
Consumer complaint received 2024-03-20
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)

I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.
Consumer complaint received 2024-03-20
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)

I recently received a copy of my credit report and found that Experian is illegally reporting incorrect information about me. The following alleged account is listed as a collection with a PAST DUE balance of {$180.00} Account Name : XXXX XXXX Account Number : XXXX This is a violation of FCRA and is also in violation of requisite Metro 2 Compliance reporting standards. According to the Fair Credit Reporting Act I have the right to a fair and accurate credit report, therefore any information that is not true, accurate and verifiable is required to be removed. 

I demand you remove the inaccurate account immediately to avoid further persecution from the CFPB and Federal Trade Commission. 

Please send me an updated copy of the credit report showing your compliance with all FCRA and Metro 2 Reporting requirements. 

With Great Sincerity, XXXX XXXX
Consumer complaint received 2023-04-23
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. (MI)

I asked the credit bureau to do a verification of everything on my credit report.And they did they stated everything was accurate. 
I did a thorough search of my own. There are inaccuracies after the credit bureau verification. 
In accordance with the Fair Credit Reporting act the following accounts have violated my rights Name of account XXXX XXXX  ACCOUNT # XXXX VALIDATE ACCOUNT Name of account XXXX XXXX ACCOUNT # XXXX VALIDATE ACCOUNT Name of account XXXX ACCOUNT # XXXX VALIDATE ACCOUNT Name of account XXXX ACCOUNT # XXXX VALIDATE ACCOUNT Name of account XXXX XXXX BANKRUPTCY ACCOUNT # XXXX 15 U.S.C. 1681 section 602 A states I have the right to privacy.

15 U.S.C. 1681 section 604 A section 2 : it also states consumer reporting agency can not furnish an 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 that antedates the report by more than seven years.

15 U.S.C. 1681 s-2 ( A ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency.

If the person knows or have reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-03-20
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. (WA)

I have multiple hard inquiries on my credit report that I did not authorize. I have listed the hard inquiries 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 XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-20
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. (SC)

In the quiet XXXX of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX XXXX XXXX Account # : XXXX - XXXX XXXX || Account # : XXXX
Consumer complaint received 2023-11-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (NJ)

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 - Incorrect I want this information to be reviewed because it does not belong to me and it is doing a lot of damage to my credit history.
Consumer complaint received 2024-03-20
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. (CT)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report.
Consumer complaint received 2024-03-20
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)

Reviewed most recent credit report and I noticed collection account that did not belong to me. After reaching out to the creditors, I was advised they did not have a record on file of me ever applying for credit with their company. The creditor advised me to contact the CRA to have the inquiry disputed and investigated as they do not have the ability to do so. 

After contacting the CRA I was met with push-back even though I expressed the inquires in questions did not belong to me and the creditors agreed the inquiries are not attached to any file or application they have with my personal accurate information.

Per 15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding inquiries ; 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 a credit or insurance transaction that is not initiated by a consumer.
Consumer complaint received 2024-03-20
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. (TX)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, XXXX XXXX XXXXXXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts :
Consumer complaint received 2024-03-20
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)

I recently received a copy of my credit report and found that Experian is illegally reporting incorrect information about me. The following alleged account is listed as a collection with a PAST DUE balance of {$20000.00} Account Name : XXXX XXXX XXXX Account Number : XXXX This is a violation of FCRA and is also in violation of requisite Metro 2 Compliance reporting standards. 

According to the Fair Credit Reporting Act I have the right to a fair and accurate credit report, therefore any information that is not true, accurate and verifiable is required to be removed. 

I demand you remove the inaccurate account immediately to avoid further persecution from the CFPB and Federal Trade Commission. Please send me an updated copy of the credit report showing your compliance with all FCRA and Metro 2 Reporting requirements. 

With Great Sincerity, XXXX XXXX
Consumer complaint received 2024-03-20
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. (NY)

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 2024-01-07
Product: Debt collection — Rental debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: T.S. Holdings (GA)

Called again on XXXX XXXX, Did not give the XXXX XXXX during the call. This is the second violation pertaining to not giving the XXXX XXXX, this is a violation of the FDCPA. Also when call disconnected called my significant other without my permission attempted to collect the debt from her. This is also a violation of FDCPA.
Consumer complaint received 2024-03-20
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. (SC)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with EXPERIAN.COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. XXXX XXXX XXXX Account # : XXXX - XXXX XXXX || Account # : XXXX - XXXX XXXX XXXX Account # : XXXX - XXXX XXXX XXXX || Account # : XXXX
Consumer complaint received 2024-03-20
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. (LA)

OnXX/XX/2024 I sent a dispute via certified mail through USPS to Experian. They received my dispute on XX/XX/2024 at XXXX. The tracking number is XXXX. I asked for the dispute results to be sent to me by mail and they failed to do that. They sent me my results by email on XX/XX/2024 at XXXX. I also asked upon completion of their reinvestigation, I am also requesting the business name, business address, and telephone number, if available, that was used in connection with this reinvestigation. Lastly, please provide a description of the procedure used. But they have failed to send me the method of verification and based on what I asked for in the letter. I'm publicly asking for Experian to provide me with the verification of the information about these entire accounts that I asked for in my dispute. I believe that there wasn't a true investigation based upon the benefits that Experian and the furnishers that provide this inaccurate and incomplete information on my credit report which is hurting me and my family deeply and financially. I asked that Experian DELETE the following accounts that I sent in my dispute. If the information can't be proven to me to be accurate and complete. I also asked for a copy of my credit file and Experian has failed to send this to me, which I have a right to have access to. The report number from their finished investigation is : XXXX. Please Delete the following account from my credit file : XXXX. XXXX XXXX XXXXXXXX XXXX XXXXXXXX
Consumer complaint received 2024-03-20
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)

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 2024-03-20
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)

Hello, these companies have been disclosing deceptive accounts. I've provided evidence indicating they're infringing upon my consumer rights. Despite this, the companies have failed to furnish any evidence of violation or justify the alleged debt placed for collections. Despite my repeated attempts, the issue remains unresolved. 
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 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 2024-04-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I OBTAINED A FULL COPY OF MY CREDIT REPORT AND NOTICED MORE ACCOUNTS BEING REPORTED THAT I HAVE NO KNOWLEDGE OF, NOR DID I GIVE PERMISSION TO BE FURNISHED TO MY CREDIT REPORT. 

I'VE CONTACTED THE CREDIT REPORTING AGENCIES REQUESTING THESE ACCOUNTS BE VERIFIED AND THEY ARE UNVERIFIABLE. THESE ACCOUNTS BEING REPORTED TO MY PROFILE ARE SEVERELY IMPACTING MY ABILITY TO OBTAIN CREDIT. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2