davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-11
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. (NJ)

I am writing to dispute several accounts on my credit report that were opened fraudulently in my name. Under 15 U.S.C. 1681c-2, I request the immediate blocking and removal of these fraudulent accounts from my credit report. These accounts were opened without my authorization, and I have never given written permission for them to be reported, as required by 15 U.S.C. 1681 ( a ) ( 2 ).

Enclosed are copies of my FTC Identity Theft Report filed in connection with this identity theft.

In accordance with 15 U.S.C. 1681c-2, please block these accounts from my credit report within four business days and provide written confirmation of their removal. Additionally, I have frozen my credit profile to prevent further unauthorized activity.
Consumer complaint received 2016-02-03
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC. (MD)

I never resided at the address on on XXXX XXXX or XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. The address on XXXX XXXX is the address used by someone who stole my identity and the address on XXXX XXXX is a typo.
Consumer complaint received 2024-08-11
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. (NC)

On XX/XX/XXXX XXXX was sent by way of certified mail of inaccuracies reporting on credit file that do not lawful written consent per 15 USC 68202. Also proof of opt-out/privacy so XXXX, XXXX, TransUnion, XXXX XXXX XXXX not share, sell my information since XX/XX/XXXX. 

On XX/XX/XXXX XXXX was sent another Certified letter requesting full re-investigation of disputed accounts and inquires that are allowing companies/third parties to report improperly and unlawfully. Per FCRA 623 ( a ) ( 2 ) ( B ) ( 7 ) ( G ) ( i ). 

I have spoke with XXXX XXXX agents on XX/XX/XXXX, needless to say they are adamant about not complying with correcting, updating or removing inaccurate consumer personal information and non consumer accounts. One agent was dismissive and arguementive. 

Not only has XXXX violated my consumer rights per the FCRA, FDCPA, FTC, XXXX has reported to file on behalf of their affiliates and add unauthorized information, verified debt with true original documentation validity of any/all debt belonging to XXXX XXXX XXXX 

This has caused great hardship, stress and suffering. Companies and XXXX are in violation of : FERPA of 1974, FCRA section 604 ( a ) ( 3 ), FCRA section 619 permissible, FTC 623 ( a ) ( 5 ) ,805, 806,809,15 U.S. Code 1681s2, 15 USC 6801-Opt out, 15 USC 6802 may not, 15USC 6802 financial institution may not directly or through affiliate, disclose to a nonaffiliate /3rd party any non public information. 15 USC 6803/6804, 16 CFR 433.32, 16 CFR 313.1, 15 USC 6801- ILLEGAL TO REPORT TRANSACTION HISTORY/UTIALZATION WITHOUT CONSUMER WRITTEN CONSENT., 15 USC 1692/ ( g ), 15 USC 1692 ( e ) ( k ) -civil liability damage 16 USC 1681 {$1000.00} per violation.15 USC 16911-authorization.
Consumer complaint received 2023-08-14
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: EQUIFAX, INC. (SC)

UCC1-308 ALL RIGHTS RESERVED NON-WAIVED EQUIFAX IS IN VIOLATION OF VIOLATING MY CONSUMER RIGHTS ONCE AGAIN. EQUIFAX WILL NOT REMOVE FRAUDULENT INFORMATION OFF OF MY CREDIT REPORT. EQUIFAX CONTINUES TO DISREGARD EVIDENCE THAT HAS BEEN MAILED IN AND DISPUTED ON THEIR WEBSITE, AND CONTINUES TO KEEP REPORTING THIS AS " VERIFIED ''. HOW ARE YOU VERIFYING INFORMATION THAT IS FRAUDULENT? EQUIFAX ALSO VIOLATED A CEASE AND DESIST IN FAIR CREDIT REPORTING THAT WAS MAILED AND ATTACHED TO DISPUTED ONLINE FOR THW SAME ACCOUNT THAT IS STILL ONMY CREDIT REPORT THAT IS FRAUDULENT. 

EQUIFAX IS IN VIOLATION ( S ) OF : 1.15 US Code 1681 c 2- BLOCK OF INFORMATION RESULTING IDENTITY THEFT 2. 15 US Code 1681e ( b ) - MAXIMUM ACCURACY 3. 15 US Code 1681 a 2 - DEFINITION, RULES OF CONSTRUCTION 4.15 US Code 1692 C - COMMUNICATION IN CONNECTION WITH DEBT COLLECTION 5. 15 US Code 1692 G - VIOLATION OF REPORTING A COLLECTION 6.15 US Code 1601- CONGRESSIONAL FINDINGS AND DECLARATION OF PURPOSE 7.15 US Code 1681 a ( 2 ) ( A ) ( i ) - LATE PAYMENTS 8. 18 USC 1028 A AGGRAVATED IDENTITY THEFT 9. 15 US Code 1681b ( a ) ( 1 ) ( 2 ) - PERMISSIBLE PURPOSE ( I DID NOT AUTHORIZE YOU OR ANY COMPANY PERMISSION TO REPORT ON ANY REPORT ) 10. 15 US Code 1681a ( 2 ) ( B ) - CHARGE OFF, REPO, FORECLOSURE 11. 15 USC 1601 CHP.41 - TRUTH AND LENDING ACT MORE VIOLATIONS THAT EQUIFAX CONTINUOUSLY VIOLATES AND I WILL NOT TOLERATE THIS ABUSIVE BEHAVIOR FROM A COMPANY, THAT DOES NOT HAVE A PERSON VERIFY INFORMATION BUT AN SYSTEM. I WILL BE SEEKING {$10000.00} PER VIOLATION AS I SEEK JUSTICE WITH THIS CONTINUOUS ERROR THAT EQUIFAX CONTINUES TO DEFAME MY CHARACTER BY THESE ERRORS. I WILL ALSO BE SEEKING PAIN AND SUFFERING AND OTHER DAMAGES. EQUIFAX CONTINUES TO REPORT FRAUDULENT ACCOUNTS ON MY CREDIT REPORT.
Consumer complaint received 2024-08-12
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)

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 accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-11
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. (IL)

XXXX, Trans Union and XXXX has been notified 4 times each in XXXX, XXXX, XXXX and in XXXX Asking them to send me a contract from each company making a claim i owe them Money and they all have failed to respond with evidence that the Alleged debit belongs to me, its been 8 months and this has cause me great grief in my life it has hindered me for securing a place to live, obtain credit to improve my livelihood here are the names of the Company 's who have refused to abide by the laws and verify the Alleged debit or remove it from my personal credit report according to : UNDER FCRA SECTION 616 & SECTION 617, Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately.

You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

XXXX, XXXX XXXX XXXX XXXX : Alleged Amount {$5400.00}, on XXXX it says " Closed '' on Transunion it Says " Closed '' and on XXXX it says " Closed '' Why is it still on the report? 

XXXX. XXXX XXXX : Says {$0.00} Balance but remains on the Transunion Report as " Closed '' Why is it still on the report? 

XXXX XXXX XXXX : Alleged Amount {$580.00}, On XXXX its `` Closed '' but on Transunion its Status is " Open '' and it was completely removed from the XXXX Report Why Is That? 

XXXX : Alleged Amount {$830.00}, On the TransUnion Report it say " Open '', but has Been Removed for the XXXX and XXXX Reports, Why is that? 

XXXX. XXXX XXXX XXXX : Alleged Amount {$340.00} : On the Transunion report status is " Open '' XXXX Status is " Closed '' and On the XXXX it has been removed why is that? 

XXXX. XXXX XXXX : Alleged Amount {$890.00}, On Transunion Status is " Open '' and Has been Removed from the XXXX and XXXX Reports, Why is that?. 

Note : All letters sent to the 3 Major Credit Reporting Agency 's were served Certified mail with Return Receipt for 4 times each and All documents were Certified.
Consumer complaint received 2024-08-11
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. (TX)

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened These fraudulent accounts consist of personal credit card opened at XXXX XXXX opened on XX/XX/XXXX under the account number XXXX, a personal credit card with XXXX XXXX  opened XX/XX/XXXX with the account number XXXX, an personal credit card opened with XXXXXXXX XXXX opened on XX/XX/XXXX with the account number XXXX, an personal credit card with XXXX XXXX XXXX XXXX opened XX/XX/XXXX with account number XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported.The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2024-08-11
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. (CO)

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 2024-08-11
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. (FL)

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 2024-07-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (WI)

I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2020-06-18
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

XX/XX/2020- I saw a sudden drop of 67 points in my credit score. My credit use increased by {$2500.00}. My total credit use is  $ XXXX 6 % of my credit limit of {$91000.00}. 

XX/XX/2020-at XXXX XXXX  EST I reached out to XXXX XXXX   asking what's the reason of such a massive drop. There was a home rental inquiry apart from the credit drop. I got a copy/paste automated response telling me nothing but that it has dropped because of my credit use increase. I further asked what's the metrics used or formula or any empirical barometer used to gauge this drop or is it at the prerogative of XXXX XXXX, Transunion, XX/XX/XXXXor XX/XX/XXXXto destroy my credit at their will. 

I got no response but that I should use my credit carefully. 

XX/XX/2020- I visited Transunion 's online dispute portal but after manuvering a while I found out that it's only a dummy for namesake dispute. It doesn't work- there are operational links and it doesn't navigate functionally at all to accept a dispute. I have a screen video of that. 

XX/XX/2020- at XXXX XX/XX/XXXXEST I called Transunion at XXXX XXXX XXXX and spoke to XXXX. After the initial screening I told her that the online dispute form is not working to which she said " how can I help you '' I asked her why my score dropped so drastically about 67 points. And she became rude and said you should not use so much credit. Upon that I asked what's the system, calculation or metrics to determine my score or its weightage. To which, she rudely asserted that she doesn't know that. 

I finally asked her if the Transunion can destroy my credit at their own prerogative without any rhyme, reason or empirical evidence. To which she said no but that I should watch my spending. 

Last but not least after my credit score dropped- I immediately started getting mortgage offers at higher price than before.
Consumer complaint received 2024-08-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

" Upon reviewing my credit report, I discovered that I have been a victim of identity theft. I found several unauthorized credit inquiries that I did not initiate. Please remove the following fraudulent inquiries from my credit report. ''
Consumer complaint received 2024-07-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2020-06-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (GA)

XXXX XXXX  is reporting a Chapter XXXX Bankruptcy on to all 3 credit bureaus although I submitted to them a letter from Georgia 's Bankruptcy Clerk of Court to them on XX/XX/XXXX stating that I do not have bankruptcy in my name. I have spoken to XXXX XXXX on XX/XX/XXXX at which time the representative was unable to verify their records because they started the dispute and by XX/XX/XXXX they XXXX XXXX was still trying to verify the bankruptcy. According to her it takes up to 30 for their investigation to be complete which gives them up to XX/XX/XXXX to be complete. However on XX/XX/XXXX XXXX XXXX verified this account with Experian Credit Bureau although they were not able to provide me with verification. This is a violation of FCRA Section 609.
Consumer complaint received 2020-06-18
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)

Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
XXXX XXXXs, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, and XXXX XXXXXXXX Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Enclosed are the following : * A copy of my credit report I received from your company. The fraudulent items are circled.

* A copy of my Identity Theft Report ( All items are not on ITR due to limited room ) * and proof of my identity. 
* A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 
I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX
Consumer complaint received 2024-07-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

I am refilling this complaint against EXPERIAN for non-compliance with the Fair Credit Reporting Act ( FCRA ) and for permitting fraudulent account to persist on my credit report without rectification. I submitted to EXPERIAN, along with the assigned identity theft case number XXXX. It has come to my attention that despite of all the dispute letters I sent out, EXPERIAN has failed to address the fraudulent account that continue to be inaccurately reflected on my credit report. I had anticipated that EXPERIAN, as a credit reporting agency, would safeguard my personal information and ensure the provision of precise credit reports. I am deeply concerned about the potential damage to my creditworthiness and financial standing resulting from the presence of these fraudulent entry. I urge EXPERIAN to promptly investigate and rectify the inaccuracies on my credit report in accordance with the provisions outlined in the Fair Credit Reporting Act. Your immediate attention to this matter is appreciated, and I expect EXPERIAN to adhere to the FCRA guidelines in ensuring the accuracy and integrity of the information contained in my credit report.
Consumer complaint received 2023-08-13
Product: Credit reporting, credit repair services, 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)

In accordance with the Fair Credit Reporting act XXXX  Account #, has violated 15 U.S.C 1691 section 602 A. States I have the right to privacy 15 U.S.C 1691 section 604 A Section 2 It also states consumer reporting agency can not furnish a without my written instructions XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

I have an issue with my credit report that needs to be addressed immediately. There's inaccurate information on my credit report for months now that I have been trying to communicate but to no avail. The circumstances are not in my favor and these are challenging times and the burdens keep piling up which continuously impacts my life negatively, having this inaccurate information removed from my credit report will be a great help.