davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-27
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. (CA)

I regret to inform you that your decision not to address my identity theft issue on the grounds of an alleged error or misrepresentation of material facts is deeply concerning. What authority do you possess to make determinations regarding material facts? You neither hold the role of a judge nor serve on a jury, nor do you possess any such entitlement. According to the guidelines of the Federal Trade Commission ( FTC ), when presented with an FTC identity theft report filed through a law enforcement agency ( which is, in this case, the FTC itself ), compliance with the law is mandated. 

I am extending one final opportunity for you to process my request concerning the identity theft incident. Failure to do so will leave me with no choice but to pursue legal recourse in a courtroom setting, wherein you will be held responsible for the damage inflicted upon my reputation, credit, and the emotional turmoil I have endured due to this matter. It is highly likely that the true material facts will become evident, and you will be held accountable for your negligence. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I request that you investigate these fraudulent accounts and remove them from my credit report as soon as possible. I have already taken steps to report this identity theft to the relevant authorities like the FTC. Thank you for your immediate attention to this matter.
Consumer complaint received 2024-04-19
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)

I reached out the them and got nothing but the run around I have drove in 10 years Im not looking for a car and some of theses companies run my information about 5 times in a day are the next day I dont recognize any of this I want to see my wet signature on this authorization this is very inaccurate on my credit report I even informed XXXX to dispute these hard inquiries over 25. If Im correct if credit agencies dont delete your negative items aft you dispute them they will owe you {$1000.00} per item 15usc i68 ( civil liability for willful non compliance.
Consumer complaint received 2023-11-27
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. (AR)

I am writing to express my deep concern and frustration regarding the multiple unsuccessful attempts to remove fraudulent items from my credit file. I have made numerous requests and provided the necessary documentation to rectify this issue, but despite my efforts, the fraudulent items persist on my credit report. 

Despite these efforts, the fraudulent items remain on my credit report, causing significant distress and potential harm to my financial well-being. I understand the importance of accurate and up-to-date credit information, and I believe that resolving this matter promptly is crucial. 

I kindly request the following actions : A thorough investigation into the fraudulent items on my credit report. 
XXXX removal of the inaccuracies from my credit file. 
XXXX communication regarding the resolution and the steps taken. 
I have attached copies of the supporting documentation, including XXXX, DL and copy of Identity Theft Report for your reference during the investigation. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX, AR XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-27
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. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts 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 following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX Balance : {$190.00} XXXX XXXX XXXX XXXX Balance : {$17000.00} XXXX XXXX XXXX Balance : {$17000.00} XXXX XXXX XXXX Balance : {$190.00} XXXX  XXXX Balance : {$17000.00}
Consumer complaint received 2024-04-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. ()

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 XXXX party. They in fact did not come from a XXXX 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 2023-03-13
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

I submitted this complaint AGAIN to update this suspicious information. The XXXX Credit Bureaus must validate these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX XXXX XXXXXXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$2800.00} ; XXXX XXXX XXXX Balance Owed XXXX {$10000.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$15000.00} XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$3500.00} ; XXXX XXXX XXXX XXXXXXXX Balance Owed : {$13000.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$2600.00} ; XXXX XXXX XXXX Balance Owed : {$17000.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$13000.00} ; XXXX XXXX XXXX Balance Owed : {$6000.00}.
Consumer complaint received 2023-11-27
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)

Im submitting a complaint to you today to inform you I was the victim of identity theft. Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-18
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. (NY)

I am writing to inform you that I have been a victim of identity theft. Please consider this letter as a formal dispute regarding the following accounts. I have contacted all the companies directly and followed the necessary steps to address this issue. Additionally, I filed an identity theft report with the FTC. 
I urgently request the removal of these accounts. Your prompt attention to this matter is greatly appreciated. I apologize for any frustration conveyed in this message. The errors on your part are causing significant financial difficulties for me, and I implore you to rectify them swiftly. Thank you for your understanding and assistance. Now, I am disputing the information that should not be appearing on my file. 

XXXX BANK XXXX, XXXX XXXX and XXXX XXXX XXXX.
Consumer complaint received 2024-04-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

Dear Transunion I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent.

1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Delete this account. 

XXXX there is some inaccurate information reporting XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. 15 U.S. CODE 16811 - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX COLLECT Account Number : XXXX Delete this account. 

XXXX there is some inaccurate information reporting XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 


XXXX. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX FUNDING Account Number : XXXX Please remove it from my credit report. 

XXXX there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Delete this account. 

XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER XXXX Date of inquiry : XX/XX/2024 Please remove it from my credit report. 

XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER XXXX XXXX Date of inquiry : XX/XX/2024 Please remove it from my credit report. 

XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER XXXX Date of inquiry : XX/XX/2024 Please remove it from my credit report. 

XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER XXXX Date of inquiry : XX/XX/2024 Please remove it from my credit report. 

XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER XXXX Date of inquiry : XX/XX/2024 Please remove it from my credit report.
Consumer complaint received 2023-09-25
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. (SC)

Reviewed my credit report on XX/XX/XXXXXXXX  and noticed inquiries that were not authorized by me and addresses as well, that I have not ever resided at. Please see the attached FTC report with all inquiries and addresses. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX - XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX : XXXX XXXX XXXX XXXX XXXX XXXX OK XXXX XXXX XXXX XXXX XXXX XXXX Al XXXX Sincerely Yours XXXX XXXX XXXX
Consumer complaint received 2023-11-26
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. (IL)

CFPB- 15 U.S. Code $ 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 resulted from an alleged identity theft, not later than 4 business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLIANT TO PREVENT FURTHER STALL TACTICS FROM XXXX
Consumer complaint received 2023-11-26
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. (NC)

In accordance with the fair credit reporting act XXXX account XXXX XXXX XXXX XXXX {$4.00} DEPT OF ED XXXX XXXX XXXX {$3800.00} DEPT OF ED XXXX XXXX XXXXXXXX {$5400.00} DEPT OF ED XXXX XXXX XXXXXXXX {$3900.00} DEPT OF ED XXXX XXXX XXXXXXXX {$9000.00} DEPT OF ED XXXX XXXX XXXXXXXX {$1100.00} DEPT OF ED XXXX XXXX XXXXXXXX {$5100.00} DEPT OF ED XXXX XXXX XXXXXXXX {$7400.00} XXXX XXXX XXXX XXXXXXXX {$220.00} XXXX XXXX XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX XXXX XXXXXXXX {$4900.00} Has violated my rights.

15 usc 1681 602 a states i have the right to privacy.

15 usc 1681 section a section 2 : it also states a consumer reporting agency can not furnish a account without my instructions.
Consumer complaint received 2023-11-26
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 have 3 lines of credit with XXXX XXXX, a line of credit with {$550.00}, a line of credit with {$500.00}, and a line of credit with {$1000.00}. 

I am showing many inconsistencies across bureaus that the XXXX credit bureaus are reporting. I have highlighted them to show their violations. Another major issue is these accounts are showing Account not Disputed status. I have disputed these accounts on XX/XX/23, XX/XX/23, XX/XX/23 via mail to the bureaus.
Consumer complaint received 2024-04-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

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. 


I told XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXX XXXX account # XXXX and XXXX XXXXXXXX account # XXXX. However, they stated everything was complete and accurate. But how is that

po ssible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. Additionally, per 15 U.S.C 1681 section 602A I have a right to privacy.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish a
ny 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 2024-04-18
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. (TX)

Asked for all these inquiries to be removed within a dispute and nothing have been done. I put a freeze on all of my accounts. Removed as many false information on my accounts yet these items remain. 

XXXX  XXXX XXXX : XXXX XXXX, XXXX - Bank ( XXXX ) XXXX See an error? 

Find out how to dispute a hard inquiry Institution Information XXXX XXXX XXXX XXXX  XXXX XXXX, VA XXXX ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX - Bank ( XXXX ) XXXX See an error? 

Find out how to dispute a hard inquiry Institution Information XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX XXXX XXXX ) XXXX XXXX XXXX  XXXX : XXXX. XXXX, XXXX - Bank ( XXXX ) XXXX See an error? 

Find out how to dispute a hard inquiry Institution Information XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX XXXX XXXXXXXX Inquiry : XXXX XXXX, XXXX - Bank ( XXXX ) XXXX See an error? 

Find out how to dispute a hard inquiry Institution Information XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, VA XXXX ( XXXX ) XXXX XXXX Inquiry XXXX XXXX XXXX, XXXX - Bank ( XXXX ) XXXX See an error? 

Find out how to dispute a hard inquiry Institution Information XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX ) XXXXXXXX XXXX Inquiry : XXXX XXXX, XXXX - Bank ( XXXX ) XXXX See an error? 

Find out how to dispute a hard inquiry Institution Information XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX - Credit Union See an error? 

Find out how to dispute a hard inquiry Institution Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX Inquiry : XX/XX/XXXX - Travel/Entertainment See an error? 

Find out how to dispute a hard inquiry Institution Information XXXX XXXX XXXX XXXX XXXX, TN XXXX
Consumer complaint received 2023-11-26
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. (NC)

I am submitting this complaint to highlight a potential violation of the Fair Credit Reporting Act ( FCRA ) by Experian, specifically related to identity theft. Despite notifying the company of inaccuracies in my credit report on [ date ], they have not taken the required action to investigate and remove the disputed accounts within the stipulated four-day period, as mandated by the FCRA. 
On XXXX, I formally disputed inaccurate account information with Experian, providing supporting documentation and a clear explanation of the errors. 
Experian received my dispute on XXXX. According to the FCRA, they are obligated to investigate and correct inaccuracies within XXXX days of receiving the dispute. 
Despite the FCRA 's requirement for a prompt investigation, Experian has failed to take any action to correct the reported inaccuracies within the specified time frame. 
Identity Theft Concern : In addition to the FCRA violation, I believe that the inaccuracies reported in my credit report may be indicative of identity theft, which is addressed by specific provisions in the FCRA. 
Relevant FCRA Provision ( 15 U.S.C. 1681c-1 ) : " Section 605B of the FCRA requires that a consumer reporting agency block the reporting of information that is the result of identity theft within four business days of receiving an identity theft report from a consumer. '' I request that the Consumer Financial Protection Bureau conducts a thorough investigation into this matter and takes appropriate action to ensure Experian complies with the FCRA, including provisions related to identity theft. My desired resolution includes the prompt removal of the inaccuracies from my credit report and any necessary corrective actions. 

Thank you for your attention to this complaint. I trust that the Consumer Financial Protection Bureau will address this issue promptly. 

XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-26
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 FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGADS TO INACCURATE INFORMATION REPORTING TO MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN 30 DAYS I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BURAUS AND STILL HAVE YET TO RECEIVE A RESPONDS.
Consumer complaint received 2020-09-13
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (CA)

I was notified that I had a balance due on a bank card. I attempted to find out what the status was on the XXXX XXXX XXXX  card XXXX. My credit limit was only XXXX and they say I owe XXXX. The amount of debt they were reporting was not the correct amount, as it far exceeded the credit limit. I had moved and was not aware any balance on the cards. 

I requested for over a year from XXXX XXXX copies of the debt so I could review and resolve the amount owed. During the process XXXX XXXX closed the account and charged it off. They also sold the debt to LVNV Funding who purchased my bank card debt. I have for the last 6 months requested from LVNV  the same detail on the charges on my bank card. LVNV was collecting the charge and then purchased the debt. 

In both cases I have never received any information on the bank card. It is outrageous that neither XXXX  XXXX nor LCNV did not send me the information and now I have charge off, I have an amount that far exceeds what I would have owed and the situation is as bad as it could be. 

Because of this I am unable to rent an apartment or find a job, I have few resources very little recourse. My credit has been significantly affected by this and consequently especially due to the current pandemic I have few options. 

I am asking to resolve the situation with the receipt of information from LVNV with proof of the debt, in detail including all items, debt owed, interest or other charges and for the elimination of the negative reporting by XXXX   XXXX and with LVNV to negotiate a settlement of the correct debt and the elimination of the negative reporting on my credit report.
Consumer complaint received 2023-11-26
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. (CO)

I reported a dispute to Experian concerning. The reporting of XXXX credit card that the past due amounts are due to medical and a disaster event. I have contacted XXXX numerous times, offering a payment plan, which they have declined. This should not be showing on my credit report ; this is my only outstanding balance ; all other bills are current. One credit card can not adversely impact my credit ; my FICO score is in the XXXX. Experian is fraudulent ; they offer a boost, which I have signed up for four times, but I have had no increase in my score. I contacted them to let them know that my bank is connected, but their system continues to give me an error message and no change in my credit score. They never responded. I believe my credit score to be incorrect. I have never seen one card drop a person 's credit score this low when everything else is paid on time. They adversely impact XXXX people with low scores to keep us from getting credit. 

XXXX XXXX has an XXXX card as a late payment, but I have never paid them late. They also have XXXX listed on my credit report, which should be removed. My credit score should not be in the XXXX 's for one card when everything else is being paid on time.