davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-18
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. (VA)

Recently, I did an investigation on my consumer credit report and I found several items on there to be inaccurate. Under 15 U.S. code 1681e ( b ) Accuracy of report whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any investigation under paragraph ( 1 ) of any information disputed by a consumer, any item or information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- - ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Please Remove the following items from my credit report, immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In addition to these fraudulent accounts I've noticed several hard inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-18
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. (VA)

Recently, I did an investigation on my consumer credit report and I found several items on there to be inaccurate. Under 15 U.S. code 1681e ( b ) Accuracy of report whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any investigation under paragraph ( 1 ) of any information disputed by a consumer, any item or information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- - ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Please Remove the following items from my credit report, immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In addition to these fraudulent accounts I've noticed several hard inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-18
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. (CA)

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 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (PA)

I tried to login/ sign up for my account to access my credit report information. Their site had an error and display a message to contact them directly to get resolution. That contact number only allow you to interact with their automated system. 

So they acknowledge their site is having issues and require human intervention but then block all types of human contact effectively blocking me from my information. 

I have tried all of their resets but nothing works. Also the same message that they had an internal error and I have to contact them directly with they block with an automated voice system.
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (OH)

I contacted XXXX by phone to inform them of errors in my credit report concerning the reporting of a bankruptcy that has been inaccurately documented. Upon my own investigation, it has been brought to my attention that the bankruptcy details on my credit report are incorrect, as bankruptcy courts do not typically supply this information to credit bureaus. Despite my previous request for accurate validation of all details, your company responded by asserting that all information had been verified. In light of this, I am requesting disclosure of the contact information used to confirm this inaccurate bankruptcy reporting. 
I know that they did not verify this inaccurate information because the US bankruptcy Court Clerk do not respond, report or contact any credit agencies to dislose information in regrads to bankruptcy
Consumer complaint received 2024-10-18
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: Experian Information Solutions Inc. (NJ)

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 


XXXX XXXX XXXX IS XX/XX/year> EXP -- -- - Unauthorized Inquiry
Consumer complaint received 2024-10-18
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. (TX)

I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after 30 days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

Upon checking my credit file I found several accounts that should not be there. I'm now writing to dispute the following XXXX ). XXXX # XXXX {$230.00} CHARGED OFF XXXX ) .XXXX XXXX XXXX XXXX {$2600.00} CHARGED OFF XXXX ). XXXX # XXXX {$13000.00} CHARGED OFF XXXX )XXXX XXXX XXXX XXXXXXXX {$0.00} CHARGED OFF XXXX ). XXXX CLUB # XXXX {$0.00} CHARGED OFF XXXX. ) XXXX # XXXX {$9900.00} CHARGED OFF XXXX ). XXXX # XXXX {$15000.00} CHARGED OFF XXXX ) .XXXX XXXX XXXXXXXX {$9900.00} CHARGED OFF XXXX ) XXXX XXXX  # XXXX {$9900.00} CHARGED OFF XXXX ) XXXX XXXX XXXXXXXX {$75.00} XXXX ) XXXX XXXX XXXXXXXX {$4500.00} CHARGED OFF XXXX ) XXXX XXXX  # XXXX {$1000.00} CHARGED OFF XXXX XXXX XXXX  # XXXX {$6700.00} CHARGED XXXX XXXX ) XXXX XXXX XXXX {$1000.00} CHARGED OFF XXXX ) XXXX XXXX XXXX {$550.00} XXXX ) XXXX XXXX  XXXX {$170.00} XXXX ) .CNS PORT SVC # XXXX {$10000.00} REPO XXXX ). XXXX  # XXXX {$720.00} CHARGED OFF XXXX ) XXXX XXXX # XXXX {$5200.00} CHARGED OFF SOLD TO XXXX XXXX ) XXXX FINC XXXX XXXX {$12000.00} CHARGED OFF XXXX ). XXXX XXXX XXXX XXXX {$1000.00} CHARGED OFF. ALSO THERE ARE SEVERAL INQUIRIES : XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Uder the Fair Credit Reporting Act, Section 15 USC 1681 ( b ) it is required that consumer reporting agencies only furnish consumer reports for specific permissible purposes. The conclusion of inaccurate or unverifiable information in my credit report does not meet these permissible purposes.

Please delete all the disputed items as soon as possible. And update my credit report in the time required by law.

Thank you for your prompt attention to this matter.
Consumer complaint received 2023-07-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-09-10
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. (NV)

To Whom It May Concern, I trust this letter finds you well. I am writing to discuss important matters related to my rights and privacy under the Fair Credit Reporting Act, specifically 15 USC 1681.

Section 602 ( a ) of the Fair Credit Reporting Act emphasizes the need to ensure that consumer reporting agencies, such as XXXX, XXXX and Experian, carry out their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. I wish to assert my rights as a consumer to safeguard my private information, as reinforced by 15 USC 6801.

Under 15 USC 6801, it is the policy of Congress that financial institutions, including furnishers of information to credit agencies, have an affirmative and continuous obligation to respect customer privacy and protect the security and confidentiality of nonpublic personal information. 

However, I would like to draw attention to Section 604 ( a ) ( 2 ) of 15 USC 1681, which stipulates that a consumer reporting agency may furnish a consumer report only in accordance with the written instructions of the respective consumer. I have not provided written consent for XXXX, XXXX or Experian, or the furnisher of information to credit agencies, to share my information and I hereby revoke any previous consent, be it verbal, non-verbal, written, implied or otherwise. 

Moreover, 15 USC 6802 ( b ) ( c ) mandates that a financial institution must inform the consumer of their right to exercise nondisclosure options. I was never informed of this right by the furnisher of information to credit agencies. 

Additionally, 15 USC 1681 ( a ) ( 5 ) prohibits consumer reporting agencies from including certain adverse information in consumer reports without authorization. This account constitutes adverse information being reported without my permission, which is in violation of the law.

Furthermore, 15 U.S. Code 1681s-2 ( A ) ( 1 ) ( A ) states that information furnished to consumer reporting agencies must be accurate. I have reason to believe that the information being reported is inaccurate. 

Lastly, 15 U.S. Code 1681e mandates that consumer reporting agencies maintain reasonable procedures to avoid violations and limit the furnishing of consumer reports for specific purposes. XXXX, XXXX and Experian do not appear to be maintaining such reasonable procedures. 

Additionally, 12 CFR 1016.7 affirms that a consumer may exercise their right to opt out at any time. I am hereby exercising my right to opt out of your reporting services. 

I kindly request that you address these concerns promptly and take the necessary actions to rectify the violations of my rights as outlined in the Fair Credit Reporting Act. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

On XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX ( XXXX ) XXXX And on XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Minnesota XXXX XXXX 
( XXXX ) XXXX I dispute errors on my credit report With Experian. 

I acquire my credit report and ask the credit bureau to check and make sure everything was complete and accurate I waited 30 days and received my investigation and noticed everything was still the same the consumer reporting agency Experian did not modify or remove anything so I asked for the description of the investigation according to 15 USC 1681 I I still did not receive anything. 
I send for the description via certified mail return receipt that they received on XX/XX/XXXX XXXX. 
Tracking XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

Due to discrepancies in missing payments, XXXXXXXX XXXX XXXX XXXX and myself are currently in litigation procedures and will be tied up in legal proceedings for the foreseeable future. It is because of these proceedings, along with the open and active disputes, that XXXXXXXX XXXX XXXX has listed the status of this account as " DISPUTED : CONSUMER DISPUTES ALL INFORMATION ''. This is the CURRENT STATUS of this account and myself, along with XXXX, have gone to great lengths to ensure that this status and, ONLY THIS STATUS, be reported by the credit bureaus. Unfortunately, after several attempts by XXXX and myself, to have the status of this account be reported correctly, the credit bureau has remained implicit in ignoring the demands of both the creditor and myself to report the correct status and has engaged in highly ILLEGAL activity by filing fraudulent disputes in the consumers name simply to remove the 'disputed ' status of the account and report the 'new ' status as they see fit. XXXX credit services has even taken the extraordinary steps of providing, not one but, two letters to the credit bureaus explaining, in writing, what the correct status of the account is, ( disputed ), AND why they were reporting it as such, ( disputed ). The first letter was written and sent in XXXX of XXXX  and the 2nd was written and sent in XXXX of XXXX, back to back months. Unfortunately, despite all aforementioned attempts on XX/XX/year> XXXX filed a fraudulent dispute in my name to have the status of the account changed back to charged off or delinquent, completely ignoring the disputed status that is supposed to be reported. This is my final attempt to try and get the correct status of this account reported correctly by the bureaus before filing a lawsuit for negligence, criminal activity as well as fraud for the aforementioned activities listed in this letter.
Consumer complaint received 2024-10-18
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: EQUIFAX, INC. (AZ)

XXXX XXXX, XXXX, 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 XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of The inquiry in question is as follows : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 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 2024-10-18
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: EQUIFAX, INC. (TX)

I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, XXXX, and XXXX data breaches, which heightens my concern regarding the security and handling of my personal information.
Consumer complaint received 2023-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NV)

To Whom It May Concern, I trust this letter finds you well. I am writing to discuss important matters related to my rights and privacy under the Fair Credit Reporting Act, specifically 15 USC 1681.

Section 602 ( a ) of the Fair Credit Reporting Act emphasizes the need to ensure that consumer reporting agencies, such as XXXX, Equifax and XXXX, carry out their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. I wish to assert my rights as a consumer to safeguard my private information, as reinforced by 15 USC 6801.

Under 15 USC 6801, it is the policy of Congress that financial institutions, including furnishers of information to credit agencies, have an affirmative and continuous obligation to respect customer privacy and protect the security and confidentiality of nonpublic personal information.

However, I would like to draw attention to Section 604 ( a ) ( 2 ) of 15 USC 1681, which stipulates that a consumer reporting agency may furnish a consumer report only in accordance with the written instructions of the respective consumer. I have not provided written consent for XXXX, Equifax or XXXX, or the furnisher of information to credit agencies, to share my information and I hereby revoke any previous consent, be it verbal, non-verbal, written, implied or otherwise.

Moreover, 15 USC 6802 ( b ) ( c ) mandates that a financial institution must inform the consumer of their right to exercise nondisclosure options. I was never informed of this right by the furnisher of information to credit agencies.

Additionally, 15 USC 1681 ( a ) ( 5 ) prohibits consumer reporting agencies from including certain adverse information in consumer reports without authorization. This account constitutes adverse information being reported without my permission, which is in violation of the law.

Furthermore, 15 U.S. Code 1681s-2 ( A ) ( 1 ) ( A ) states that information furnished to consumer reporting agencies must be accurate. I have reason to believe that the information being reported is inaccurate.

Lastly, 15 U.S. Code 1681e mandates that consumer reporting agencies maintain reasonable procedures to avoid violations and limit the furnishing of consumer reports for specific purposes. XXXX, Equifax and XXXX do not appear to be maintaining such reasonable procedures. 


Additionally, 12 CFR 1016.7 affirms that a consumer may exercise their right to opt out at any time. I am hereby exercising my right to opt out of your reporting services.

I kindly request that you address these concerns promptly and take the necessary actions to rectify the violations of my rights as outlined in the Fair Credit Reporting Act.
Consumer complaint received 2023-09-10
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. (OK)

Experian XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX has violated FCRA 15 U.S.Code 1681 c-2, by reporting accounts that are fraudulent on my credit report. I have provided each credit reporting agency with a copy of the FTC Identity form, with the accounts that are fraudulent. They are required by law to respond with their decision to rescind the block or block the information within 4 business days. It has been more than 4 business days since, the dispute. Please delete the fraudulent accounts that are reporting under my social. Failure to remove the information will result in a lawsuit against the companies.
Consumer complaint received 2023-09-10
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: T.S. Holdings (WA)

When the agent called me on XXXX XXXXXXXX XXXX the agent did not tell me that the call was being recorded until over halfway through. I tried to explain to her that we were going to small claims court and she was telling me that the other side had lawyers and that I would not win because of things that I did not do. She was telling me that I had not read my lease and that I had done things that I had done and not done. The phone call was at XXXX XXXX and lasted XXXX mins and XXXX seconds. I took the time and the length of time off of my phone.