davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

Bankruptcy XXXX XXXXXXXX-dismissed US BKPT CT XXXX XXXX XXXX Filed on XX/XX/XXXX Reference number : XXXX ; Bankruptcy XXXX XXXX-discharged US BKPT CT XXXX XXXXXXXX Filed on XX/XX/XXXX Reference number : XXXX ; XXXX XXXX Bankruptcy : Bankruptcy Filed on XX/XX/XXXX Reference number : XXXX is reporting on my personal credit file with 3 credit reporting agencies. These public records were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regards to identity theft. Additionally, the credit reporting agencies & data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the bankruptcies removed from my file.
Consumer complaint received 2022-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Bankruptcy XXXX XXXXdismissed US BKPT CT XXXX XXXX XXXX Filed on XX/XX/XXXX Reference number : XXXX ; Bankruptcy XXXX XXXX-discharged US BKPT CT XXXX  XXXX Filed on XX/XX/XXXX Reference number : XXXX ; XXXX  XXXX Bankruptcy : Bankruptcy Filed on XX/XX/XXXX Reference number : XXXX is reporting on my personal credit file with 3 credit reporting agencies. These public records were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regards to identity theft. Additionally, the credit reporting agencies & data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the bankruptcies removed from my file.
Consumer complaint received 2022-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX, XXXX, and Transunion have not updated my personal information. I have sent the attached later beyond 30 days ago. I need for this information to be updated in the system.
Consumer complaint received 2022-07-15
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: EQUIFAX, INC. (IL)

In accordance with the Fair Credit Reporting act XXXXt outsourcing account # 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 a account without my written instructions
Consumer complaint received 2022-12-29
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. (MD)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX account number XXXX has violated my rights. 

XXXX XXXX XXXX XXXX Account number XXXX has violated my rights. 

XXXX Account XXXX has violated my rights XXXX XXXX XXXX  Account XXXX has violated my rights XXXX XXXX XXXX - Account number 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 a account without my written instructions
Consumer complaint received 2022-07-15
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. (IL)

In accordance with the Fair Credit Reporting act XXXX XXXX  account # 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 a account without my written instructions
Consumer complaint received 2022-10-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

It angers me seeing that the Credit reporting Agencies have been ignoring my requests for the removal of the fraudulent accounts and information completely from my Credit File despite the multiple dispute letters and CFPB Complaints that I have been submitting to the Credit Bureaus. The Credit Bureaus ' willful non-compliance with the Fair Credit reporting act section 605b, is a clear violation of a consumer 's rights! I took the advise from my legal counsel and we are now ready to file a lawsuit against the Credit Reporting Agencies. I am submitting this CFPB Complaint to the Credit reporting Agencies as a final warning that in the event the Credit Bureaus do not comply with the requests and fail to remove the disputed accounts and information from my Credit Report. We will be filing the lawsuit that we have been preparing. Under the provisions of the Fair Credit Reporting act section 605b, I am expecting that the Credit Bureaus remove the following fraudulent accounts and information completely from my Credit File as soon as possible : XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX Balance Owed : {$28000.00} XXXX XXXX XXXX XXXX Balance Owed : {$39000.00} XXXX XXXX XXXXXXXX Balance Owed : {$8100.00} XXXX XXXX XXXX  XXXX Balance Owed : {$490.00} XXXX  XXXX Balance Owed : {$100.00}
Consumer complaint received 2022-10-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX account has shown up own my credit report fraudulently. The account shows a balance of {$2000.00}, which I had to call and settle with the company just to purchase my home last year costing me thousands of dollars. This issue almost cost me owning my own home. I disputed the fraud account XXXX and XXXX has taken off the fraudulent account, Experian on the other hand has not removed the account that is hurting my credit score and reporting falsely on their systems. I have disputed this item multiple times. I even attached an FTC report and filed another dispute XX/XX/2022. Those result came back as updated. This item is detrimental to my credit profile and is against the CFPB. My credit profile is my financial representation and this false and fraudulent account is harming any new possible opportunities.
Consumer complaint received 2024-08-17
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)

In XXXX I filed a complaint to XXXX XXXX regarding the 30 day late they reporting to the 3 major credit bureaus Experian XXXX and XXXX. The 30 day late was due to my credit card being stolen and used fraudulently. XXXX XXXX  disputed the fraudulent charges and reimbursed me those funds since they verified that they were fraudulent inquires. XXXX bank still has not removed the inaccurate 30 day late they reporting to the credit bureaus in XXXX which were a direct result of those fraudulent inquires. Please contact XXXX  bank and finish the investigation and remove that fraudulent 30 day late they are reporting to Experian XXXX and XXXX. That is due to the fraud transactions and I should not be held responsible. If this issue is not resolved I feel obligated to pursue this with legal action. XXXX investigation team please make sure to respond to me with results and don't close this complaint I am submitting without give me results and saying you are working on it because XXXX XXXX  is not helping me and the costumer support they offered me was horrific and I will contact the XXXX  as well. 


XXXX XXXX  reported a 30 day late payment to the 3 major credit bureaus Experian XXXX and XXXX for the month of XXXX of XXXX. Since XXXX of XXXX I was hospitalized due to a terrible car accident which my wallet was lost and stolen. Due to my wallet being stolen my social security number along with all my credit card were compromised and used. There were fraudulent transactions that were done on my XXXX  card from XX/XX/XXXX up until XX/XX/XXXX. I have recently been XXXX a couple weeks now and I have disputed all the fraud transactions. Due the fraud transactions I should not be held responsible for the 30 day late payment and XXXX  should remove it because I did not once get a fraud alert that my XXXX  card was being used without my knowledge. XXXX failed to report fraud transactions to me which resulted in the account to go 30 days past due and report to the bureaus. If this issue is not resolved and the 30 day late payment is not removed from my credit reports I will be filing a law suit against XXXX in the small courts claim where I have all proof to show XXXX is breaking FCRA laws. I have been with XXXX  since XXXX and I have never had an issue such as this. Please resolve this problem in a timely manner. Thank you!
Consumer complaint received 2022-12-29
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: NAVY FEDERAL CREDIT UNION (AZ)

Although I do have accounts with the following companies, I do not recall the credit inquiries performed on the following dates Navy Fed XX/XX/2022, XX/XX/2022, XX/XX/XXXX XXXX XXXX  XXXX
Consumer complaint received 2022-11-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. I found that under section 605b ( a ) Experian 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 and it requires the following documents and statement to remove the disputed accounts on my file : ( 1 ) Appropriate proof of the identity of the consumer ; ( 2 ) A copy of an identity theft report ; ( 3 ) The identification of such information by the consumer ; and ( 4 ) A statement by the consumer that the information is not information relating to any transaction by the consumer. 

The dispute items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) I have attached my FTC report and my Police report that I have filed on my local police department that would testify that I am a victim of Identity Theft. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$14000.00}, XXXX XXXXXXXX XXXX Date Opened : XXXX XXXX, XXXX Balance : {$7500.00}, and XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$16000.00}. 

According to FCRA XXXX XXXX ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt.
Consumer complaint received 2022-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any account or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 

XXXX XXXX XXXX XXXX XXXX, CA XXXX, and XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX and XXXX XXXX XXXX XXXXXXXX XXXX Date Opened XXXX XX/XX/2014 Balance : {$91.00}. 

If you feel there is a possibility this account belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2024-10-10
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: DSR HOLDINGS GROUP, LLC (GA)

This company keeps calling and messaging my family, friends and even job. When I call this company they become belligerent and start yelling over the phone not even explaining what the debt is that I owe.
Consumer complaint received 2022-12-29
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. (TX)

On XX/XX/2022 I disputed the above account for all three CRAS including you TransUnion including with the original creditor.According to the FCRA there must be written consent to furnish any information on my credit report. See CFPB Complaint # XXXX for referenced investigation. Please no consent is Identity theft and since my report has person information, sharing my information is an infringement on my rights to privacy. 
Dept. of Ed/XXXX was advised that this information would be no longer reporting this account because it violated internal policies. See Exhibit 1. This is a confirmation sent from to me on XX/XX/2022 verifying that this above account was removed by XXXX. This was removed because it violated my privacy and an act of Identity thief. According to the FCRA if information is removed or block that in fact, should be reported to the other 2 reporting agencies. Dept. of EdXXXX failed to pass this information on and instead they continued to report the above account verified. 
On XXXX XXXX I submitted another complaint see CFPB complaint # XXXX. You TransUnion stated that you opened a reinvestigation and that the above account was verified. Once I requested the steps of the reinvestigation, I was denied the process and never received requested information which is a direct violation of Federal law. A FTC Identity theft Report has been Filed against you TransUnion as the CRA and a FTC Report against Dept. of EdXXXX  ( See Exhibit 2 & Exhibit 3 ) .Considering that this information was removed because it was in direct violation of privacy according to 15 U.S. Code 1681c2. Please revisit Exhibit 1 for verified proof of block.

Attachments -Affidavit of Truth -Exhibit 1 ( Confirmation of blocked/removed Acct ) -Exhibit 2 ( XXXX XXXX XXXX FTC Report ) -Exhibit 3 ( TranUnion FTC Report )
Consumer complaint received 2022-12-29
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: SUNRISE CREDIT SERVICES, INC (TX)

After carefully reviewing my credit I report I see a number of inaccuracy on my credit report. First I would like to state that I never gave XXXX written consent to furnish anything on my report. No consent is identity theft and infringement upon my privacy. This damage my reputation with lending institutions and house associations. You didnt do your due diligence with protecting the consumer you vowed in good faith to do so. Theres big violations that I want to point out 1. According to the IRS ( Internal Revenue Services ) income cant be reported as debt.

2. According to the FDCA a debt collect may not attempt to collect alleged debt in a state/county/ or city in which debt collect is not authorized to conduct business. ( See Exhibit 1 ). This debt collector arent authorized to conduct business in Arkansas or Texas. 
-XXXX  XXXX XXXX acct # XXXX
Consumer complaint received 2022-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (AZ)

In accordance with the Fair Credit Reporting Act, Experian Information Solutions IncXXXX 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 an account without written instructions. 

The following information is incorrect : 1. XXXX XXXX XXXX, XXXXXXXX MI. XXXXXXXX The following information is incorrect : 2. XXXX XXXX XXXX XXXX, XXXX XXXXXXXX SD XXXXXXXX The following information is incorrect : 3. XXXX XXXX ( Employer ) XXXX has removed has this false information ( addresses ) XXXXXXXX XXXX XXXX XXXX  has removed this false information ( addresses and employer )
Consumer complaint received 2022-12-29
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. (TX)

After carefully reviewing my credit I report I see a number of inaccuracy on my credit report. First I would like to state that I never gave Experian nor XXXX written consent to furnish anything on my report. No consent is identity theft and infringement upon my privacy. This damage my reputation with lending institutions and house associations. You didnt do your due diligence with protecting the consumer you vowed in good faith to do so. Theres 3 big violations that I was to point out 1. According to the IRS ( Internal Revenue Services ) income cant be reported as debt.

2. According to the FDCA a debt collect may not attempt to collect alleged debt in a state/county/ or city in which debt collect is not authorized to conduct business. ( See XXXX XXXX XXXX XXXX  ). These debt collector arent authorized to conduct business in Arkansas or Texas. 
XXXX, XXXX Acct # XXXX ( See XXXX XXXX ) -XXXX XXXX XXXXXXXX acct XXXX XXXX ( See Exhibit 2 ) 3. According to the FCRA all account must thoroughly verified before report. If the name, account number or amount of the report account is incorrect then it must be removed. The account below isnt mine. The name report on the account doesnt belong to me. My name is XXXX XXXX the below account is list for someone by the name of XXXX XXXX. 
XXXX XXXX XXXX Acct # XXXX ( See XXXX  XXXX ) XXXX, XXXX agreed to cease all communications see ( Notice of Cease & Desist CFPB Complaint # XXXX ). According to 15 USC 1692a ( 2 ), the term Communication means the conveying of information regarding a debt directly or indirectly to any person through medium. *This includes but is not limited to telephone calls, emails, social media, or any Consumer Report Agency.
Consumer complaint received 2022-07-15
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)

To whom this may concern, I am writing to request the removal of unauthorized credit inquiries on my XXXX, Experian, and XXXX credit reports. My latest credit report shows XXXX credit inquires that I did not authorize. 
unauthorized Inquires from : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX EXPERIAN BUSINESS CXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX AUTO FIN XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2024-12-16
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (NY)

XX/XX/XXXX : I receive a statement to my old address on XXXX XXXX XXXX XXXX NY XXXX. It says that I am paying the minimum amount for a statement balance over {$3000.00} for an account that I closed and paid in full before closing. I call the bank and request for statements that might include actual transactions or charges to the account that are not just interests that I need to pay to the bank. The bank send me statements from XXXX XXXX. 
XX/XX/XXXX : I call the bank to provide statements prior to XX/XX/XXXX. They can not provide statements prior to that, and I am unable to check if any of the charges are fraudulent. I want to know what I am paying for. The statements from XX/XX/XXXX onwards are only interest charges.