davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-25
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. (NY)

I am a victim of identity theft and I write to dispute certain account in my file resulting from the crime. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
. The account I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft.This account unknown to me. Also, the information you provided on some account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some account is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or XXXX 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 Date Opened : XX/XX/2014 Balance : {$14000.00}
Consumer complaint received 2022-08-25
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. (SC)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2022-08-25
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. (NM)

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 items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$350.00} XXXX XXXX Balance : {$1500.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1500.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$760.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1100.00} According to FCRA Section 605B ( 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 2022-08-25
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. (TX)

This is the several times I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 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. 


XXXX XXXX  XXXX Balance : {$8100.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-08-25
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)

This is the several times I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 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. 


XXXX XXXX XXXX Balance : {$8100.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-08-25
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. (NC)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2022-08-25
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. (NY)

I am a victim of identity theft and I write to dispute certain account in my file resulting from the crime. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
. The account I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft.This account unknown to me. Also, the information you provided on some account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some account is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.XXXX XXXX XXXX XXXX XXXX NY XXXX, XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXXXXXX XXXX  XXXX XXXX NY XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX, XXXX XXXX XXXX Date Opened : XX/XX/2020 Balance : {$11000.00}
Consumer complaint received 2022-08-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I sent my letter off on XX/XX/2022. I told the consumer reporting agencies I would like to see verified proof and to do a re-investigation on the accounts I have listed below. 

Accounts : XXXX Account # XXXX XXXX Account # XXXX XXXX Account # XXXX Also I have attached the letter I sent out and here is the Tracking numbers for each letter they received via certified mail : XXXX ( XXXX ), XXXX ( TransUnion ), XXXX ( XXXX ) According to the FRCA The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 
They stated my accounts were verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are STILL NOT reporting 100 % Accurate. 
And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate. I have the credit report showing the inaccuracies attached as well. 

Ive also on XX/XX/2022 send out a letter via certified mail ( attached as Last sent letter ) stating they didnt do a proper investigation on my accounts now they Shall delete the accounts listed. Heres the tracking for that letter : XXXX ( XXXX ), XXXX ( TransUnion ), XXXX ( XXXX ). 

15 USC 1681 section 602 A states I have a right to privacy.

15 USC 1681 section 604 A section 2 also stated that consumer reporting agencies can not furnish a account without my written instructions.

15 USC 166b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason
Consumer complaint received 2022-08-25
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. (PA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2022-08-25
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. (WI)

I have disputed several incorrect items on my credit report. I have also sent numerous of letters to all three credit bureaus and they still have incorrect address that never belong to me at all on my credit report misspelled names and also inaccurate information on my report as well. They are not taking off my hard inquires that don't belong to me and are not updating my report at all. I sent a dispute letter last time I filed a complaint with CFPB and XXXX, Experian sent a letter to me stating that information was verified which I know it wasn't because I have a freeze on my accounts and they said the verified it with XXXX XXXX which I know is not true because its been a freeze on my account for over 4-5 months now so they lied. XXXX never even responded to me at all and everything is still on my credit report that i asked to be removed. I have sent letters to all 3 with correct name, address, phone numbers and employers all 3 still have it wrong. I have also sent verification that they didn't verify any of my information and they still didn't remove hard inquires or other information such as Bankruptcies and things on my report that is hindering to my report because of this issue I am unable to move forward with buying a home/car a lot of things I need for this to be fixed asap Thank You
Consumer complaint received 2022-08-25
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. (PA)

I sent a letter on XX/XX/2022, to remove these accounts that are inaccurate to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after XX/XX/XXXX. Ive already included this in my previous Complaint # & I am including it again. Please do immediate action regarding this matter. 
XXXX XXXX Balance : {$0.00} XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$520.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$280.00} XXXX XXXX XXXX XXXXBalance : {$14000.00}
Consumer complaint received 2022-08-25
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. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX  account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXXXXXX account # XXXX, XXXX XXXX account # XXXX, XXXXXXXX XXXX XXXX XXXX XXXX  account # XXXX, XXXX account # XXXX, XXXXt account # XXXX XXXX XXXX XXXX account # XXXX, XXXX account # XXXX, XXXX XXXXXXXX XXXX account # XXXX, XXXX XXXX account XXXX XXXX XXXX XXXX XXXX  account # XXXX, XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX account # XXXX, XXXX account # XXXX, XXXX account # XXXX, XXXXXXXX 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 2022-08-25
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. (PA)

I am writing to the CFPB in regards to the false reporting on my credit reports from all three bureaus.I am the victim of identity theft and have filed with both the IRS and social security administration regarding this situation. The theft was brought to my attention by the IRS when I e-filed my XXXX return. I was notified that my social security number was not matching my birthdate on file. This started my thorough review of all three bureaus reporting information and found numerous issues with aliases, addresses, accounts and companies reporting account that were either closed or passed on to collection. 
In trying to safeguard my file I diligently wrote to all three bureaus and disputed all inaccuracies reported and have had some success in rectifying this damaging situation. 
One account reporting in collections is from XXXX XXXX XXXX, Report # XXXX, for the amount of {$3000.00}. This account was bought by XXXX in XXXX and they have not provided me with the requested information to substantiate this account such as- commencement agreement with my signature, all statements on the account to date and to what address the statements were sent and how were payments made if any on this fraudulent account. none of which has been provided to me. Another fraudulent account under XXXX XXXX XXXX has been removed as they could not provide the requested information requested and Experian removed the reporting. Since then, a second request was sent to Experian to remove the account still reporting and they have not. They have not provided relevant documentation proving ownership of this account and continue reporting the fraudulent account on my report. I have involved the IRS, Social Security Administration and FTC as well as my attorney general. Further, XXXX Continues to report both XXXX XXXX Accounts under my report as well and have not provided due diligence in removing these. I have had to cancel all credit cards, notify my bank and submit affidavits, change my passwords on all external billing sites and monthly direct debits for bills. This is frustrating and unfair that I now have to work to remove these inaccuracies and have zero consumer protection from said credit bureaus. I am filing with the attorney general if these issues are not remedied, against XXXX XXXX XXXX and the bureaus for the continuous false reporting. I have supplied the bureaus with the following ; social security card, passport, drivers license, birth certificate, address for the past two years and the government affidavit to the IRS. 
I welcome any help that the CFPB can lend.
Consumer complaint received 2023-12-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I filed a dispute with Transunion via phone on XX/XX/2023 after I had issues filing online via laptop and mobile device. The representative told me to send in my documentation by mail since I did a phone dispute. I received a letter dated XX/XX/2023 ( Two days after I filed the dispute ) that stated the debt was valid. They had not received my documents yet. So I called Transunion to inquire and found out that once they received my documents they reopened my dispute and again did not change anything and stated the debt was valid. I contacted Transunion after my dispute came back as validated for the second time and no change to my credit report was made. I sent them a copy of the results from my dispute with XXXX as well as the exact same documentation I sent to XXXX. After speaking with a representative on XX/XX/2023 I requested a supervisor contact me so I could get more information regarding the dispute results. The supervisor from Transunion contacted me the morning of XXXX XXXX. When I requested to know how they came to the conclusion that I am responsible for the amount shown on this debt, she proceeded to tell me that they contacted the collection agency electronically and that they responded with " it is accurate ''. I then asked was there any proof of any kind to show that the amount was accurate and she is either refusing to provide what was sent or there was nothing sent except for a statement. When I pushed to know how this works for the consumer when I have requested information from the debt collection agency and they refuse to send it to me she stated that they contacted them electronically and the debt is valid and repeated this several times. At no point was there any information given to me that speaks to a true investigation on Transunion 's part. Again I sent Transunion the exact same letter and information I sent to XXXX but got a different result. I believe that Transunion did not truly reopen the investigation once my documentation was received. I do not believe they contacted XXXX XXXX XXXX once the my documents arrived. A 2 day turnaround doesn't seem like an investigation to me.
Consumer complaint received 2022-08-25
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)

Im submitting a complaint to you today to inform you I was the victim of identity theft. Again, Im sending over an Identity theft report # XXXX. Pursuant of FCRA section 605B ( a ) ( 1 ) ( 2 ) you are required to block or remove any information in my file that resulted from an alleged identity theft, not later than 4 business days after the date of receipt with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law.

Please note that you have 4 business days to block the reporting of any information in my credit file that resulted from an alleged identity theft. I do not consent to E-OSCAR or any means of automated verification.XXXX 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 Date Opened : XX/XX/2019 Balance : {$1000.00}