davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CONTRACT CALLERS INC (IL)

I am a victim of identity theft. It was brought to my attention back in XX/XX/2023 that a collection account from contract callers was reporting an account from XXXX an XXXX company. I notified the company that it did not belong to me and that it was a fraudulent. I went to the police station to file a police report because I was concerned that my identity was stolen. I also contacted all 3 credit report companies to put a freeze and fraud alert. I took all the necessary steps the collection agency and original debt company needed me to do. It was then removed off of my report, a few weeks later it was placed back on my report! This has affected my life tremendously as I recently started a new maintenance business and needed a vehicle to maintain it. It has stopped all my efforts in this endeavor. I have wasted so much time and effort trying to get the creditor to remove this account and they are ignoring my complaints, police report and statements of this account NEVER belonging to me. I never live at the address where the account was associated with and I never tried to apply for credit with this company ever. I need your help as they have ruined me because of it and stopped my effort to succeed with my business
Consumer complaint received 2024-08-15
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. (IL)

This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that, Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of receiving this complaint.
Consumer complaint received 2023-05-04
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. (GA)

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX Balance : {$10000.00} XXXX XX/XX/XXXX
Consumer complaint received 2024-08-15
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. (TX)

My repeated efforts to resolve the issue of false, incorrect, and misleading data on my consumer report have been unsuccessful. These inaccuracies continue to severely disrupt my life, causing substantial distress. I must emphasize that I never approved or agreed to have this information linked to my identity, as I have been a victim of identity theft.
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CT)

In accordance with the fair credit reported at the list of accounts below has valued my federal protective consumer rights to privacy and confidential under 15 USC 1681 account name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. 
Lates payments. Any other negative information should never be shared with anyone. I have requested to opt out of any situation that put me at Jeopardy with having negative information reported or any one of these credit agent files, XXXX XXXX, Experian, and XXXX any charge was that were related to my account never sent me a 1099 as stated inside of our credit rights and what the IRS had written on file, 15 USC 1681 section 602 ( A ). States I have the right to privacy. 

And according to 15 USC 1681 EB, they are supposed to ensure this whenever a consumer reporting agency prepare a consumer report. It shall follow responsibility to the max of accuracies of the information concerning the individual about whom the report relates. 


15 USC 1681C. ( A ) ( 5 ) Section states no consumer reporting agency may make any consumer reporting containing any of the following items of information. Any other advers
Consumer complaint received 2023-05-03
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Terrill Outsourcing Group (IL)

Unwanted frequent calls. When answer they hang up. XXXX ( XXXX ) XXXX Spoke with a gentleman asked them to remove my number. He kept asking for my personal information. They continue to call.
Consumer complaint received 2023-05-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

" I recently discovered that one of my creditors has re-added a previously deleted item to my credit report, which is a violation of the Fair Credit Reporting Act ( FCRA ). This has caused significant damage to my credit score and financial situation. Despite disputing the re-added item, the creditor has failed to remove it from my credit report. As a consumer, I am now considering filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) to protect my rights and seek resolution to this issue. ''
Consumer complaint received 2024-08-15
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. (NY)

I am writing to follow up on my previous disputes regarding the inaccurate and discrepant negative accounts listed on my credit report. Despite my repeated efforts to have these errors corrected, I am frustrated that the issues have not been fully resolved. The persistence of these inaccuracies is deeply concerning, and I demand immediate action to rectify this situation.
Consumer complaint received 2024-10-25
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. (MD)

Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.
Consumer complaint received 2023-05-04
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. (WA)

There is XXXX collections in my credit report both from the same company XXXX XXXX XXXX I have no idea where this even came from I have already filed a identity theft report I want this off my credit report its preventing me from getting any findings needed to further build my business and my financial wellbeing please and thank you
Consumer complaint received 2024-08-15
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (AL)

I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.
Consumer complaint received 2024-08-15
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. (NV)

I tried several times to dispute numerous items that were reporting fraudulently on my credit report. I've disputed with all three credit bureaus, and they finally removed the items, after 2 years of attempts. 

However, in the time that each credit bureau was reporting this fraudulent information, I had to spend over {$5000.00} in fees associated with disputing, and this negative information had also caused me to receive denials from other lenders when I actually tried to apply for financing and new credit. 

Also my existing credit account limits were decreased because of the negative information reporting. 

XXXX, XXXX and Experian have violated my rights as a consumer, under the Fair Credit Reporting Code, violation code ( 15 U.S.C. 1681
Consumer complaint received 2024-08-15
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. (GA)

CFPB XXXX I have discovered accounts and inquiries in my consumer report that are a consequence of identity theft. These entries are not associated with any transactions conducted by me. I have made attempts to reach out to the companies directly but have been unsuccessful. Enclosed, you will find the FTC report, my consumer statement, and documentation verifying my identity. 

What is a fair resolution? 

It is essential for the companies concerned to act justly and fairly towards me as a consumer by eliminating this erroneous information from my consumer report. 

I, XXXX XXXX XXXX, wish to formally report an incident of identity theft. It appears that an individual has unlawfully accessed my personal information, including my social security number, and has attempted to open multiple accounts in my name. Consequently, I have observed numerous unauthorized credit inquiries on my credit report. These inquiries originate from the following institutions XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX All these inquiries are unauthorized, as I did not initiate any applications for these accounts or loans, and they should not be present in my credit report. 

XXXX XXXX XXXX
Consumer complaint received 2020-07-21
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: First Technology Federal Credit Union (GA)

XXXX XXXX  has added to my report .. i have never had any dealing with first tech credit union in 3 years. all of a sudden they reopened a loan that was charged off or 3 years, then they open an new account in my name on there own and sends it to collections. 

There is not documents on me because i never had this loan nor have i had any dealings with them
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized, and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission 's Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible.
Consumer complaint received 2023-05-03
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. (FL)

This creditor is reporting inaccurate information on my consumer report. Ive asked for verification, and they failed to verify the account. Furthermore, the account is inaccurate because it is listed as an inaccurate status that does not correspond with the status that the account is in. I requested the form 1099c as per the IRS when the account is in charged off status or a form 1099c has been filed and i have evidence that a form 1099c was not filed therefor the account was not charged off. So, its been reported inaccurately and pursuant 15 U.S. Code 1681s2 this account must be deleted pursuant those laws.
Consumer complaint received 2023-05-03
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A. (GA)

I contacted Citibank in regards to some transactions. I was fraudulently scam, and I informed them that I was scam for some payments that was made so some scammers unintentionally never knew that they were scammers thought I was working with a legitimate company to pay off my taxes that I owe. I sent them the money through XXXX to a company the works directly with thw irs. They are government impersonators. 
XX/XX/XXXX, XXXX {$500.00} XX/XX/XXXX XXXX {$100.00} XX/XX/XXXX, XXXX {$400.00} XX/XX/XXXX, XXXX {$300.00} This company was called XXXX XXXX XXXX XXXX that was based out of XXXX Florida however, at this company is nonexistent Then, when I cant take a Citibank for assistance, I couldnt get an American person on the line. I was only getting XXXX  and they was not willing to help me at all.
Consumer complaint received 2023-05-03
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. (MN)

XXXX XXXX XXXX ( Acct # XXXX ), XXXX XXXX ( Acct # XXXX ), XXXX XXXX XXXX XXXX XXXX Acct # XXXX ) and XXXX XXXX ( Acct # XXXX ) are All closed accounts reporting on-going negative information after account closure. 
Siting Code 15-USC-1681a2 No written permission given. Also Siting XXXX v XXXX I presume no alleged debt nor therefore any such debt in fact therefore exists.
Consumer complaint received 2023-05-03
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. (IL)

I was in the process of applying for Insurance and it was brought to my attention that there is some inaccurate, incomplete and unverifiable information reporting on my credit report. 

I received a copy of my credit report and to my surprise I saw all these inaccurate items that I have previously asked you to block. 

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. 

Also in addition to Sectio

n 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. I have provided documents that can prove it. By the way I hope that this does not hinder my ability to obtain Insurance du
e to this inaccurate information reporting. 

I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( i ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.If you can not complete this request, please delete the accounts immediately. 

I have provided an exhibit of evidence showing the inaccuracies of my reports. 

Please investigate every piece of information and remove these items below from my credit report. 

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

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

The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, IL XXXX The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, IL XXXX The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, IL XXXX The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, IL XXXX
Consumer complaint received 2024-10-18
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: EQUIFAX, INC. (AZ)

I found discrepancies on my credit report concerning 15 USC 16c-2. The inquiries listed were unauthorized and are hurting my credit. Please remove all unauthorized hard inquiries. Thank you!
Consumer complaint received 2024-08-15
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)

Regions has been reporting my transaction history to credit agencies since i opened my account with them. The Law says it is illegal to report transaction history. This is a violation of my rights acourding to the FCRA and the Privacy Act of 1974. There is a [ {$1000.00} } fine for every transaction reported. Ive also sent a letter and email several times.
Consumer complaint received 2024-08-15
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. (NY)

I hope this letter finds you well. I am writing to formally request the removal of several unknown items from my credit report. After reviewing my credit report, I noticed multiple entries that I do not recognize and did not authorize. These entries are causing me significant concern and have impacted my credit standing.
Consumer complaint received 2024-08-15
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. (NC)

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC Reports regarding the account that do not belong to me.

Account name : XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX Account name : XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX Account name : XXXX XXXX  Date of inquiry : XX/XX/XXXX Account name : XXXX XXXX  Date of inquiry : XX/XX/XXXX Account name : XXXX XXXX  Date of inquiry : XX/XX/XXXX
Consumer complaint received 2024-08-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (IN)

The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations
Consumer complaint received 2023-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Credit Card Receivables Fund Incorporated (FL)

I want to ask the CFPB to open an investigation, so Unifund LLC does not continue to evade its responsibility to respond to arbitrations filed by consumers. I am going through a very stressful time with Unifund. I filed an arbitration case against this company, who is reporting the account involved in this matter. Unifund has refused to arbitrate the matter thereby violating the contractual agreement that was in place with the original creditor XXXX. The case I filed is based on several violations that Unifund has committed : excessive phone calls, unfair and deceptive business practices, and collecting on account with fraudulent charges account. I was called excessively by creditors and Ive kept on getting calls and letters despite my telling them to stop communicating. In addition, the account incurred fraudulent charges and prior to that I tried to close account numerous times with the original creditor but to no avail. They also failed to forward me any notices to my forwarding address. Now the XXXX XXXX XXXX tells me that Unifund is out of compliance with them and failed to comply with the XXXX policies regarding consumer claims, which means that not only my contract with them, but the contract terms of each and every consumer that has been sold to Unifund will now be upheld. 
I have lost significant sleep and peace of mind over this issue for several months, as my entire financial life has come to a halt due to this.
Consumer complaint received 2023-05-03
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: Bread Financial Holdings, Inc. (NY)

In accordance to the fair credit reporting act This creditor has violated my rights. 
Under 15 usc 1681 section 602 states I have the right to privacy. 15 usc 1681 section 604a section 2 it also states that A consumer reporting agency can not furnish an account without my written instructions. Under 15 usc 1666b. A creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2024-10-02
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. (NJ)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.