davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-25
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. (TX)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-09-25
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. (LA)

I have disputed the accuracy of account XXXX XXXX XXXX XXXX XXXX several times. The agency investigates and the results report that they WILL update the account CORRECTLY. I submit and mail in physical proof from the creditor each time. The agency has not fixed the issue correctly. Either their system is flawed or the employees don't know how to do their jobs correctly.
Consumer complaint received 2023-09-09
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)

Based on the Privacy Act of 1974, my personal information stored in records to supply openly has been compromised. 

Experian is reporting bankruptcies on my credit report and I did not provide consent on any level or medium for them to report my personal and private information. 
I filed a dispute online and it came back within XXXX hours as verified. This information was collected as automated to come back as " verified ''. This is XXXX! 
Experian is in violation of 15 U.S. Code 1681 - Permissible purposes of consumer reports I have submitted a formal complaint to the U.S. Department of Justice to further investigate Experian regarding this matter. Next step is to sue!

I am asking, how is this verified and which neighbor, associate or family member was contacted within XXXX hours to confirm this information as verified? 
I need to attach this information to my file with the Department of Justice as soon as possible.
Consumer complaint received 2023-09-19
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)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Late payments that have not been verified!! they are not accurate and according to the law FCRA 623 I was supposed to be notified of this information. And this information was not sent to me in writing. Before it was put on my credit report!
Consumer complaint received 2023-09-19
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. (DC)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any 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 2022-10-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A. (CA)

Hi, I have a Citi XXXX XXXX credit card since XXXX and it had a reward points of XXXX till XXXX XX/XX/XXXX ( as per the statement email received from the Citi bank for the account ending with XXXX ) but when I tried to check online for my rewards points, all of the points were gone. 
I connected with the Citi XXXX ( XXXX XXXX ) on XXXX XX/XX/XXXX for the same and the executive informed me that the card account has been XXXX and she is raising a request to reinstate the card and asked me to wait for XXXX business days. 

On XXXX XX/XX/XXXX, I again connected with the Citi CustomerCare ( XXXX XXXX ) executive on I was informed the same that the card account has been disable and the previous request was denied, so she is raising the request again with the notes. 

On XX/XX/XXXX, I again connected with the Citi CustomerCare ( XXXX XXXX ) someone called " XXXX '' and told him about my concern. He ( XXXX ) also said the same thing that the card account has been disable and the previous request was denied from the department, so he is raising a case this time ( Case Id : XXXX raised on XX/XX/XXXX ) and asked me to wait for 5 business days. 

On XXXX XX/XX/XXXX, I again connected with the Citi XXXX ( XXXX XXXX ) and narrate the entire incident to the executive. She gave the same comments and then I I asked her to transfer he call to the floor manager. The floor manager ( XXXX XXXX XXXX XXXX XXXX XXXX  from XXXX XXXX team ) informed me that the account has been inactive for the last 1 years so the rewards get forfeited and the account gets closed. 

My question before closing my account, I was not updated by the Citibank through any email or mail. How can they close my account without my consent or without informing me and forfeit my rewards points. 

So I would request your support in this matter and highly appreciated your time. 

Thanks,
Consumer complaint received 2023-09-18
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. (GA)

This Person ( XXXX XXXX  XXXX XXXX XXXX XXXX ) has never received written/typed or any kind of instructions from me to furnish my data information. While it is your companys policy it is by FEDERAL LAW that their company policies must abide by. With out receiving a written letter of any form you have subjected yourself to committing IDENTITY THEFT. I've disputed information XXXX furnished to my consumer report I did not give written permission to.
Consumer complaint received 2023-09-18
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. (GA)

This Person ( XXXX XXXX Credit Card ) has never received written/typed or any kind of instructions from me to furnish my data information. While it is your companys policy it is by FEDERAL LAW that their company policies must abide by. With out receiving a written letter of any form you have subjected yourself to committing IDENTITY THEFT. I've disputed information XXXX furnished to my consumer report I did not give written permission to.
Consumer complaint received 2023-09-09
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. (TN)

My XXXX XXXX  bankruptcy was paid in full and XXXX in XXXX XXXX XXXX  but still shows as an open bankruptcy now. I have sent all court documentation of this payoff/discharge but they still will not change the status.
Consumer complaint received 2023-09-18
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. (AZ)

I am writing this letter to bring to your attention the presence of Inaccurate and Incomplete information on my Credit Report, which was recently discovered while I was in the process of applying for New Employment which can be considered an adverse action. 

I have obtained a copy of my credit report and found several items that are not correct, and I am concerned that these inaccuracies have adversely impacted my ability to obtain employment at this time. 

I have been advised by a legal acquaintance that these inaccuracies can be considered an adverse action under 15 U.S. Code 1681a, specifically section 603 ( k ) ( b ) ( ii ). As such, I kindly request the immediate correction and updating of the following accounts on my credit report : Inaccurate and incomplete Information : 1. 15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX XXXX Bankruptcy Case Number : XXXX Delete this account. 

2. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Delete this account. 

3. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

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

5. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete From My CREDIT REPORT 6. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX XXXX Account Number : XXXX Delete From My CREDIT REPORT 7. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX XXXX Account Number : XXXX Delete this account. 

8. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXX Account Number : XXXX Delete this account. 

9. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

10. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX XXXX
Consumer complaint received 2023-09-18
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. (TX)

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.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any 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 2023-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (FL)

I DONT RECOGNIZE THESE ACCOUNTS XXXX Date Opened XX/XX/XXXXXXXX  -XXXX XXXX XXXX Date Opened XX/XX/XXXX -XXXX Date XXXXXXXX XXXX XXXX XXXX Date XXXXXXXX  -XXXX Date OpenedXXXXXXXX  I DONT RECOGNIZE THESE INQUIRIES -XXXX XXXX OF -XXXX XXXX
Consumer complaint received 2019-03-20
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: EQUIFAX, INC. (IL)

This is an answer to Equifax 's request for specifics : To repeat my original complaint with attachments : Through this portal I have filed complaints against Equifax, XXXX, & XXXX. The specifics of the complaint has been provided to several times. They have and are currently displaying blatant disregard for the " Fair Credit Reporting Act '' known as the FCRA. I mailed disputes ( XX/XX/XXXX ) which all three agencies failed to respond to in timely fashion. Not only have they failed to respond but they continue to display malicious intent by contacting for instance a creditor and claim fraud on my behalf when I merely requested they investigate a late. Specifically the following : 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required ( A ) In general. Subject to subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. This behavior flys in face of the intent of the FCRA and should be met with the most severe scrutiny. These agencies use a great deal of misdirection to cause confusion and hopelessness. Please investigate my claims ... See items below & attachments with id info mailed with original mailing. 

Equifax XXXX ACCOUNTS XXXX XXXX XXXX XXXX never late XXXX XXXX XXXX   XXXX never late INQUIRIES XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX/XXXX XXXX   XX/XX/XXXX unauthorized XXXX XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX not mine
Consumer complaint received 2023-09-18
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. (WI)

I am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in a Experian & XXXX breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected. This is a defamation to my character and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also it is illegal these companies should NOT be furnisher people 's information to 3rd party companies so this is illegal, neglect and fraud. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can be can get sued for these damages. This is negatively effecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed immediately
Consumer complaint received 2023-09-18
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. (TX)

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. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any 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 2023-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

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.

has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any 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 2023-09-18
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. (AL)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number:XXXX Account Name : XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number:XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX  Account Number:XXXX  has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any 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.