davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-03
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (MN)

I matched with a person on the dating app XXXX whose profile stated they were XXXX with photos that appeared to be a person in their mid XXXX. The person asked for my number after 3-4 messages and I provided a XXXX XXXX number . After moving off the dating app the person stated they were actually XXXX and started sending unsolicited pictures of a XXXX nature. The next day on XX/XX/XXXX at XXXX XXXX, I received a call to my direct number from someone claiming to be a police officer stating that I was under investigation and stating that I could lose my job and saying " may god help you. '' The call was spoofed and came from XXXX. The false police officer stated that the girl 's parents were threatening to pursue legal action but that he could provide a number to the step-father to work things out. He gave me a fake name of XXXX XXXX for the step-father. 

I called the man claiming to be the step-father at XXXX, which I later traced to an app called XXXX. The step-father stated they had taken the girl to therapy, but insurance was unwilling to pay without a police report. He texted me a link that has a picture of a fake invoice with fake information, but the link is how I could tell the number originates from the XXXX app. 

Step-father said in order to avoid the police report, I should send {$2500.00} for the therapy bills to show that I am serious about the situation. Step-father had me send the money via Venmo to the account name XXXX who he claimed was his wife 's sister and specified not to send the money as a purchase. Step-father then asked me to delete all messages and contact information. My bank placed a hard hold on my account on Tuesday XX/XX/XXXX to prevent the {$2500.00} from leaving my account, and I closed the account and opened a new one per their recommendation. I also reported the fraud to Venmo on XX/XX/XXXX, but Venmo concluded in their investigation that the transaction was not fraudulent and has asked me to pay the {$2500.00} despite it being clear the transaction was fraudulent and despite the fact that I reported the fraud to Venmo and to my bank before the funds were transferred. I had also filed a local police report on XX/XX/XXXX, filed a complaint on XXXX on XXXX/XXXX, filed a complaint to Minnesota 's AG on Venmo 's decision today on XX/XX/XXXX, and filed a complaint to the FTC today on XX/XX/XXXX.
Consumer complaint received 2023-12-18
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: HireRight Solutions, Inc. (GA)

HireRight, LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Toll-free telephone no. : XXXX Toll-free fax no. : XXXX E-mail : XXXX XXXX Submitted false information on my background check report to my former employer without providing me a copy of the report despite my notifying them of the false information on the report they submitted to my former employer which resulted in my forced resignation from the job! 

case number is XXXX
Consumer complaint received 2023-12-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TN)

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 2023-12-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. Or 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 2023-12-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2024-01-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I am writing this letter to urgently bring attention to the fraudulent personal information linked to my identity. I noticed certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. Regrettably, I have become a victim of identity theft and have taken immediate action by reporting the incident.
Consumer complaint received 2023-12-19
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. (PA)

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 name : # XXXX, Account name : # XXXX, Account name : # 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 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 2023-12-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (LA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SS # XXXX XXXX XX/XX/XXXX XXXX Greetings to whom it may concern, XXXX Inquiry : XXXX. XXXX, XXXX Please take a look at the information that I am disputing on my credit report, this information is inaccurate on my credit report. I am asking for a full investigation. Please fix this report effective and immediately. I am disputing the credit inquiries that are not mines and needs to be removed. 
Please send me written confirmation, also include proof that youve complied with section 623 ( a ) ( 4 ) of the Fair Credit Reporting Act to the National Credit Bureaus.

Thank you for your cooperation. If you have any questions concerning this matter I can be reached at phone number above.

Thanks in Advance
Consumer complaint received 2023-12-19
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. (CA)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2024-01-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (AZ)

Due to Equifax data Breach an unknown account is being reported on my account. Equifax has stated they have verified the unknown account and is reporting it on my consumer report. I would like to know the method of verification they used to determine the fraudulent account is in fact mine. I would like them to sign under penalty of perjury that they were there during the time of the alleged debt, and in their reinvestigation the names, address, and phone numbers of any neighbors, they contacted. 

15 USC 1681i ( 5 ) TREATMENT OF INACCURATE OR UNVERIFIABLE INFORMATION ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the 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.
Consumer complaint received 2023-12-19
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. (CA)

I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I am in the process of applying for a new loan and these errors are causing a problem with my credit scores reporting properly, so any help you can give me with updating this information as soon as possible would be greatly appreciated. We are looking to buy a house. Please help
Consumer complaint received 2023-12-18
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. (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. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX UNAUTHORIZED INQUIRY has violated my rights . Or 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 2023-12-18
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: EQUIFAX, INC. (FL)

I submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
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 2023-12-18
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (LA)

I am writing this letter to express my absolute dismay and frustration upon discovering inaccurate and damaging information on my credit report. It has come to my attention that there is a charge-off account listed, as well as potentially fraudulent accounts, negatively impacting my credit score. 

XXXX XXXX XXXX XXXX XXXX XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused about how you've verified it while the other bureaus have removed it. Please delete this from my file. It is inaccurate, erroneous, incomplete, or unverifiable. 

Failure to address this matter with the urgency it demands will leave me with no option but to seek legal recourse to protect my rights and rectify the damage caused by these inaccuracies. 

I have enclosed supporting documentation, including proof of payments and any relevant correspondence, to assist in your investigation. I trust that you will handle this matter with the seriousness it deserves and act promptly to correct these errors. 

I demand that you treat this dispute with the utmost urgency and prioritize its resolution. Your immediate attention to this matter is not only legally required but crucial to restoring the accuracy of my credit report.
Consumer complaint received 2023-12-18
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: EQUIFAX, INC. (PA)

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 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 2024-01-04
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)

I recently reviewed the copy of my credit reports. I noticed some inaccurate late payments that violated the consumer and FCRA law for not reporting accurately. 

I attached on this complaint the PDF copy of the dispute letters I sent to the involved Bureaus. I also sent them my personal documents.
Consumer complaint received 2023-12-18
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Marlette Funding, LLC (NV)

After reviewing my credit report, I have identified an error in the reporting of a late payment. I am seeking your assistance in investigating and correcting this issue promptly. 
Below are the details of the inaccurate information : BEST EGG XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
I recently noticed that my credit report reflects a late payment on the above-mentioned account. However, I can confirm that this payment was made on time. It is possible that there has been an error in the system, leading to the inaccurate reporting of this late payment. 
I kindly request a thorough investigation into this matter to verify the accuracy of the reporting. I understand the importance of accurate credit reporting, and I believe that resolving this issue will contribute to a more accurate representation of my credit history.
Consumer complaint received 2023-12-17
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Lien Enforcement Inc (CA)

I received a letter from Lien Enforcement , Inc. to collect a debt of {$4600.00} dated XX/XX/. 

I sent a letter through USPS Certified Mail with Return Receipt on XX/XX/XXXX  that requested additional information for debt validation. This request for additional information for debt validation included the request for information such as the name and address of the creditor to whom the debt is currently owed, the account number used by that creditor, the amount owed, and verification and documentation that there is a valid basis for claiming that I am required to pay the debt to the current creditor. 

The USPS Return Receipt was signed by the addressee with a date of delivery on XX/XX/. 

I have not received any written communication related to my request for additional information to validate the debt as of XX/XX/. 

The only written communication I have received from Lien Enforcement , Inc. as of XX/XX/XXXX  is another letter stating that a debt is owed and a negative credit report may be submitted to a credit reporting agency
Consumer complaint received 2023-12-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (VA)

This account was a result of identity theft. I have never had or attempted to establish any services with your company. Nor have I granted any written consent for you to access my personal and private information. This is a direct violation of my privacy rights, FCRA and FDPA in addition to identity theft. 

Delete immediately.
Consumer complaint received 2024-01-07
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. (CA)

XXXX, Transunion, and XXXX are illegally furnishing a consumer report of me containing exclusions which is a violation of FCRA ( 15 U.S.C. 1681a ) which states that a " consumer report containing information solely as to transactions or experiences between the consumer and the person making the report '' is excluded from the consumer report. In case these consumer reporting agencies are not aware, I offer them an opportunity to remove these violations. I demand my privacy be taking seriously and if these agencies continue to violate I demand the CFPB fully enforce its obligations to hold these reporting agencies accountable for their actions in violation of the FCRA and consumer Privacy laws. 

Due to the serious nature of this claim I give XXXX, Transunion, and XXXX 5 days to correct this matter.
Consumer complaint received 2023-12-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (CA)

On XX/XX/23, I opened a complaint against Equifax for not allowing me to manage my credit freeze online. On XX/XX/23, Equifax closed the case without resolving my issue. As of now, I am still unable to freeze or unfreeze my credit file as needed. On XX/XX/23, I submitted a followup complaint regarding the same issue. Equifax responded by requesting me to verify my identity, and I sent back a letter with the requested documentation. As of now, I am still unable to manage a credit freeze online. For the past year, whenever I login to my account and request anything, I was given the error message " We are temporarily unable to complete this request. Please try again later. '' I believe temporary means a few hours or a few days, but not a whole year.
Consumer complaint received 2023-12-18
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: DISCOVER BANK (NY)

I would like to clarify that these late payments are not accurate, and I believe there has been an error in the reporting. I have attached supporting documentation, including payment records and correspondence with DISCOVER BANK, to substantiate my claim. 

I kindly request that you conduct a thorough investigation into this matter and take the necessary steps to correct my credit report immediately. I understand the importance of accurate credit reporting and how it can impact my financial standing. 

DISCOVER BANK XXXX - This account was NEVER late. The late payment is erroneous. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or DISCOVER BANK customer service XXXX and XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused about how you've verified it while the other bureaus have removed it. Please delete this from my file. It is inaccurate, erroneous, incomplete, or unverifiable. 

In accordance with the Fair Credit Reporting Act ( FCRA ), I am entitled to accurate and up-to-date information on my credit report. I trust that you will address this matter promptly and provide me with written confirmation of the corrections made. 

I appreciate your attention to this issue and your commitment to ensuring the accuracy of credit information. If there are any additional forms or information required from my end to facilitate the investigation, please do not hesitate to contact me. 

Thank you for your prompt assistance in resolving this matter.