davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-02
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)

XXXX XXXX EXPERIAN has violated my FCRA RIGHTS ( DELETE ) All Non account Holding inquiries as i did not authorize permission victim of identity theft Victim of identity theft DELETE Fraud FTC Report attached under law 15 USC 1681 Section C ii also 15 U.S code S 1681c 2 the removal of fraud reported by consumer be deleted in 4 days or CFPB VIOLATION occurs 1681s2. Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 
( DELETE ) All Non account Holding inquiries XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-02
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. (IL)

Hello I was XXXX  when these accounts were open I have police report to confirm I ask that these things get removed from my credit file immediately as it have cause pain and suffering my next step will be the lawsuit I ask that you please removed these items and a timely manner thank you ..also XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX HAVE REMOVED OFF MY FILE ALREADY, XXXX and XXXX removed it as well I ask TransUnion to remove these accounts from my file
Consumer complaint received 2019-05-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Ability Recovery Services, LLC (AR)

At the end of XX/XX/2019, I received a letter in the mail from Ability Recovery Service attempting to collect a debt, from XXXX XXXX   for {$4300.00}, that does not belong to me. I never attended this school. This makes the second time that they have tried to collect on fraudulent debt. I sent them a police report a few months ago stating that my identity was stolen and they are now trying again but on a different account. Their letter clearly states that I have 30 days after receiving the letter to dispute the debt in writing. Their letter was dated for XX/XX/2019 and I received it a few days afterwards, however they went ahead and placed the item on my credit report before the 30 days are up. Today is XX/XX/XXXX and it was placed on my credit between XX/XX/2019 and XX/XX/2019. That is not 30 days. I did dispute the letter in writing that will arrive to them on tomorrow XX/XX/2019 ( delivery confirmation included ). I also left a message with XXXX XXXX at XXXX. I have not heard back from her. I called again on today XX/XX/2019 at XXXX cst and spoke with a representative that would not provide his name. Placing this item on my credit before receiving my dispute and before the 30 day deadline is very unprofessional and underhanded. Add this to them collecting on a fraudulent account is a recipe for disaster for any consumer. I am in the middle of buying a home and this wrongful action by XXXX XXXX XXXX, XXXX has dropped my scores drastically.
Consumer complaint received 2023-10-02
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. (MN)

To whom it may concern ; Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by XXXX XXXX XXXX here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter.

Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, 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 by such agency of ( 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 following items need to be removed and blocked as they are fraudulent. 


1. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 2. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

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

4. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX Account Number : XXXX Please remove it from my credit report. 


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

6. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 7. The inquiry was not authorized XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

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

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

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


XXXX. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX XXXX. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

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 2023-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

Transunion Credit company is not updating my XXXX XXXX account correctly. Sent documents to verify the account is closed in settlement XXXX XX/XX/2023. XXXX is the only company with proper updates.
Consumer complaint received 2023-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

am writing to formally dispute a late payment entry on my credit report for the account XXXX that appears on my credit report with your agency. I recently discovered this entry, and I am requesting your assistance in validating the accuracy of this information in accordance with my rights under the Fair Credit Reporting Act ( FCRA ) Section 611 ( a ) ( 1 ) ( A ). 

I assert that I was not notified of any outstanding balance of the aforementioned account with XXXX XXXX. According to the FCRA, it is the responsibility of the creditor to provide accurate information and to notify the consumer in case of any outstanding balances before reporting negative information to credit bureaus. I have never received any communication regarding the outstanding balance, and I request that you investigate this matter promptly. 

In light of the above, I kindly request the following information to validate the accuracy of the reported late payment : 1. Verification of the debt : Please provide detailed information regarding the debt, including the nature of the debt, the original creditor, the outstanding balance, and the date of the last activity.

2. Proof of notification : Please provide evidence that I was duly notified about the outstanding balance before it was reported as a late payment to the credit bureaus. This may include letters, emails, or any other form of communication sent to me. 
3. Documentation of the late payment : If the late payment is accurate, please provide documentation proving the validity of the late payment, including dates and transaction details.

I understand that under the FCRA, you have 30 days to conduct an investigation and respond to this dispute. I also request that, during the investigation, the disputed information be marked as in dispute on my credit report, as per FCRA Section 611 ( a ) ( 2 ). 

I appreciate your prompt attention to this matter and expect a thorough and accurate investigation. Please send me a written response outlining the results of your investigation and any actions taken to correct or remove the inaccurate information from my credit report.
Consumer complaint received 2023-10-04
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. (NC)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. Thank you. 
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 XXXXXX/XX/XXXX
Consumer complaint received 2023-10-02
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. (SC)

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 2019-05-15
Product: Credit reporting, credit repair services, 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. (NY)

I have been attempting to repair my credit for more than ten years. I recently paid a credit account in full and the credit reporting agencies in light of this information took from one to 50 points OFF my score instead of adding points to my score. Account reference is XXXX XXXX indicating charge off /collection/write off - other, which now has a zero balance. I am well aware of my rights under the Fair Debt Collection Practices Act ( FDCPA ) and my state laws so I hope to save both of us a great deal of time by letting you know that not only do I dispute the validity of the fair reporting, I have also checked with my State Attorney General and verified that this reporting is in violation of my rights as a consumer.
Consumer complaint received 2023-07-19
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. (FL)

I am writing to bring attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have fallen victim to identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a negative impact on my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am prepared to provide any necessary evidence and, if necessary, pursue legal action to protect my rights and seek appropriate compensation. I sincerely appreciate your prompt attention to this urgent matter.
Consumer complaint received 2023-10-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (MD)

Since XXXX before my loans even began disbursement, I have been employed by a qualifying employer. I have submitted certification forms for this qualifying employment covering XXXX until XXXX of this year. Additionally, I have submitted paperwork waiving any in-school deferment or forbearance. This waiver was in place before MOHELA took over, and I have since resubmitted it twice to MOHELA since they seemingly lost the records. This waiver of deferment and forbearance should be in effect retroactively to the beginning of my loans and moving forward until I request otherwise. These XXXX things combined mean that every single XXXX of my payments should count as eligible towards XXXX. Despite this, there are XXXX payments from XXXX that MOHELA refuses to update as eligible towards XXXX, even though before MOHELA took over they were shown as counting towards XXXX. I have been told that there is an administrative forbearance for these XXXX months, but MOHELA refuses to give me any more information or remove this incorrect forbearance. I did not request this forbearance nor did I never received any notification of this forbearance being placed without my request. It was not, to my knowledge, on my account before MOHELA took over. Every single payment before these XXXX months shows as qualifying towards XXXX, as does every single payment after these XXXX months. Additionally, my required payment amount at this time was {$0.00} as can be seen by looking at the payments before and afterwards, meaning that in effect there would be no difference made to my loans if this forbearance were removed. This forbearance is nonsensical and inaccurate ; it should be removed from my account so that these XXXX payments correctly count as eligible towards XXXX.
Consumer complaint received 2019-05-15
Product: Credit reporting, credit repair services, 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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have been attempting to repair my credit for more than ten years. I recently paid a credit account in full and the credit reporting agencies in light of this information took from one to 50 points OFF my score instead of adding points to my score. Account reference is XXXXXXXX XXXX indicating charge off /collection/write off - other, which now has a XXXX balance. I am well aware of my rights under the Fair Debt Collection Practices Act ( FDCPA ) and my state laws so I hope to save both of us a great deal of time by letting you know that not only do I dispute the validity of the fair reporting, I have also checked with my State Attorney General and verified that this reporting is in violation of my rights as a consumer.
Consumer complaint received 2019-05-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NM)

I went to check my credit report and they had disputed stuff that I didnt dispute and called to ask the credit repair company if they disputed those items and they did not and would not dispute those because they do not dispute positive items. I believe this was done in retaliation for the last complaint and would like to talk to a manager. Because since last complaint they still are reporting incorrect information like they are reporting XXXX XXXX  as correct these were placed in bankruptcy and they are still reporting it as if it is active. Now this is getting crazy why would I dispute positive information to increase my score. I will give my sign in information so that it can be looked at. They are really trying hard to not remove anything while the others have removed the very thing I have disputed then added a new account thT they say is mine such as XXXX XXXX that was opened this year. I have not used XXXX XXXX at all this year and disputed it and they stated they are looking into it I know this is fraudulent activity in their part. They are disputing all the new credit XXXX the positive ) I have against me. I want the disputed on my new information taken off immediately and I want to talk to a manager.
Consumer complaint received 2023-07-19
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. (IL)

I am writing to file a formal complaint against the three major credit reporting agencies, TransUnion LLC, XXXX XXXX, and XXXX XXXX, for violations of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681s2 - Responsibilities of Furnishers of Information to Consumer Reporting Agencies. 

I have identified multiple discrepancies and inaccuracies in the reporting of my personal information, including addresses, phone numbers, and employers, on my credit reports provided by these agencies. The only correct name and address that should be reporting are : Name : XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX  XXXX, XXXX, IL XXXX However, the following information is inaccurate : Addresses : XXXX XXXX XXXX  XXXX , XXXX XXXX , IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - Residential Employers : XXXX XXXX XXXX XXXX These inaccuracies are not only damaging my creditworthiness but also infringing upon my rights as a consumer seeking fair and accurate credit reporting. As per the FCRA, I have the right to dispute any information contained in my credit report that I believe to be inaccurate. 

I have requested these credit reporting agencies to investigate these inaccuracies and delete these entries from my credit reports in accordance with Section 1681s2 ( a ) ( 1 ) ( E ) of the FCRA. However, these inaccuracies continue to be included in my credit reports, damaging my creditworthiness and infringing upon my rights as a consumer. 

I kindly request the CFPB to intervene in this matter and ensure that these credit reporting agencies comply with the FCRA. I also request that these agencies provide written confirmation of the removal of these inaccuracies within 30 days, as per Section 1681s2 ( a ) ( 3 ) of the FCRA. 

Thank you for your attention to this matter. I look forward to your prompt action in rectifying these violations and upholding the standards set forth by the Fair Credit Reporting Act. 

Sincerely,
Consumer complaint received 2023-07-19
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. (FL)

There are accounts listed on my consumer report that have originated from identity theft. I did not provide written authorization, including a wet signature, for these accounts to be included in my consumer report. I have recently communicated with your organization regarding this matter and I am hereby requesting that these accounts be promptly blocked and removed from my report. The inclusion of these unauthorized items has caused significant emotional and financial distress, as they inaccurately reflect my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action. The presence of these fraudulent items on my credit record has hindered my ability to achieve my financial goals, such as purchasing a home and meeting the needs of my family.