davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (IL)

I am filing this complaint because my credit reports show several unauthorized inquiries and inaccurate personal information that I did not initiate or approve. These inquiries have appeared without my consent, and despite reaching out to the credit bureaus to have them removed, they remain on my reports. My disputes have been ignored or dismissed without proper investigation, leaving these inaccurate inquiries to negatively impact my credit score. This situation is both alarming and unjust, as these inquiries are not a result of any actions Ive taken. 

XXXX Listed below are the Inquiries that are being challenged INQUIRY - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Under 15 U.S. Code 1681b ( c ) ( 1 ), a consumer reporting agency may only provide a consumer report for a permissible purpose. These inquiries do not meet the permissible purposes defined by the FCRA and should be expunged from my credit report forthwith. 
Inaccurate Personal Information Additionally, I have identified several inaccuracies in my personal information that require correction. 

Experian Incorrect Address : - Incorrect Previous Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 1 of 4 Under 15 U.S. Code 1681b ( c ) ( 1 ), a consumer reporting agency may only provide a consumer report for a permissible purpose. These inquiries do not meet the permissible purposes defined by the FCRA and should be expunged from my credit report forthwith. 
Inaccurate Personal Information Additionally, I have identified several inaccuracies in my personal information that require correction. Below is a detailed list of the erroneous entries : Incorrect Names | Incorrect Addresses | Incorrect Employment History | Incorrect Address : - Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-10-23
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. (NH)

It is crucial that consumer reporting agencies uphold their grave responsibilities when it comes to the handling of consumers personal credit files. After performing a re-investigation upon my credit file for accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX pursuant to 15 USC 1681ia1a, your company failed to follow proper procedures in regard to correspondence to me the consumer, in the handling of the reinvestigation.

As clearly outlined within, 15 USC 1681i ( 7 ) ; 15 U.S. Code 1681i - Procedure in case of disputed accuracy Subchapter 7 states the following ; ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a detailed description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description.

Further outlined within 15 USC ( 6 ) ( B ) ( iii ) ; ( 6 ) Notice of results of reinvestigation ( A ) In general A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency. 
( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. 

The correspondence mentioned above was NEVER made to me and therefore, your company is in direct violation of the FCRA and is now liable for monetary damages detailed within 15 USC 1681n and 15 USC 1681o.

Not only was a proper reinvestigation not performed as the derogatory account mentioned is erroneous to begin with, your agency failed to follow the FCRAs clear rules in the handling of correspondence to me in association with the account in question. Please delete this erroneous account as I have sought legal counsel in this matter and intend on seeking damages associated with this complaint if this issue is not resolved. Thank you for your time.
Consumer complaint received 2024-10-01
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. (PA)

I am writing to formally lodge a complaint concerning inquiries on my credit report that I neither recognized nor consented to. These unauthorized inquiries are not only concerning but also damaging to my financial reputation. It has come to my attention that certain inquiries have been made on my credit report without my consent or knowledge. I want to emphasize that I have no association with these inquiries and have never authorized any entity to access my credit information in this manner.
Consumer complaint received 2024-10-01
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)

The distress stemming from this situation is tangible, affecting my sleep quality and leaving me unsettled. The discrepancy feels difficult to reconcile with my consistent payment history. I implore you to promptly rectify my account. It feels unjust to suffer the consequences of an error for which I am not responsible.
Consumer complaint received 2024-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

" I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ). 

"
Consumer complaint received 2024-10-01
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. (SC)

A collection was added to my account on XX/XX/XXXX. I called the collection agency and inquired about why was there a collection reported to my account the collector stated that it is from the XXXX  from the hospital at which I gave birth in on XX/XX/XXXX. I informed the collector that I have moved to a new address since then and has not gotten any communications or bills from this XXXX  and asked why it was reporting in XXXX XXXX  years later. I informed the collector that at the time of the XXXX XXXX I had XXXX which in the state of XXXX XXXX XXXXXXXX covers XXXX  during XXXX XXXX. I sent the collector proof of XXXX as well as contacted the XXXX to get confirmation that this is covered and I would not have to pay the amount of {$810.00} and she confirmed. After speaking with the collector I filed a dispute sending email proof of my XXXX and they emailed back with the account number and information informing me that they have now closed the account. I filed a dispute with Experian because I was told in order to get this deleted from my credit report I would have to get in contact with Experian, I filed XXXX dispute and it came back accurate and followed up with a second dispute showing proof of emails sent from the collector showing that the account is closed. Experian then updated the report and stated that the collector disagrees with my dispute but I sent supporting documents to prove that they have now closed the account and the Debt was not owed by me. I am now complaining because I have tried calling Experian and can not get through I want this deleted from my credit report because it is not a debt owed by me and I have had no communications showing that I owed a bill to the XXXX. This is false information and its not getting removed by Experian.
Consumer complaint received 2024-10-01
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: Experian Information Solutions Inc. (VA)

I have already reached out to the credit bureaus regarding the inaccuracies on my credit report, but unfortunately, they have not taken the necessary steps to fix them. These errors are significantly impacting my creditworthiness and making it challenging for me to access favorable financial opportunities.
Consumer complaint received 2024-10-22
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. (MA)

I have submitted a list of fraudulent, identity theft related individual monetary charges that were on my own credit card accounts somehow, fraudulent charges that ARE NOT MINE, and have ALSO been completely DISMISSED in Massachusetts Courts over 16 months ago, and yet these fraudulent charges have not yet been overturned and removed from credit bureau reporting?? XXXX XXXX is still ruining my credit by reporting fraudulent identity theft related debt totals that are INCORRECT, and debts that were dismissed in court long ago?? These fraudulent individual charges need to be overturned, and the credit bureau reporting corrected, or removed entirely. The courts already ruled on this, and removal or correction of the incorrect debt totals, that is what IS REQUIRED to comply with XXXX and XXXX XXXX XXXX consumer protection laws. These accounts had thousands of dollars of fraudulent charges, ( see the long list of fraudulent charges in this package ) AND the debts were already charged off over XXXX years ago, PLUS the accounts and litigation have already been adjudicated and dismissed by the courts long ago. as of early XXXX  While the original accounts were originally mine, due identity theft and fraudulent charges, The debt " TOTALS '' are NOT correct. ALSO, as these accounts were already dismissed in court, and I was found NOT LIABLE for them. This incorrect info needs to be corrected or removed entirely, please.
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such.

Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry.

Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit.

Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report. Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include ema
ils, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process. 
Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"
Consumer complaint received 2024-10-22
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. (UT)

In XX/XX/year>, I discovered multiple unauthorized inquiries and inaccurate collection accounts on my credit report. These entries were made without my knowledge or consent, and they violate my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b ( c ) and 15 U.S.C. 1681s-2. 
# # # Unauthorized Inquiries : Under 15 U.S.C. 1681b ( c ), a consumer reporting agency may only furnish a consumer report with the explicit authorization of the consumer. The following inquiries were made without my authorization : Unauthorized Inquiries : 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 XXXX XXXX - XXXX XXXX XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX - XXXX These inquiries were unauthorized and are negatively affecting my credit score. I have contacted the companies responsible, and they have no record of any authorization from me. This violates the FCRA, and I am requesting immediate removal of these inquiries from my credit report. 
# # # Inaccurate Collection Accounts : In addition to unauthorized inquiries, there are several collection accounts on my credit report that are inaccurately reported. Under 15 U.S.C. 1681s-2 ( b ), furnishers of information are required to ensure the accuracy of the information provided. However, these collection accounts have been paid in full or are inaccurately reported and are damaging to my credit : XXXX Accounts in XXXX : XXXX. XXXX - XXXX XXXX. XXXX XXXX XXXX - XXXX XXXXXXXX XXXX XXXX  XXXX Despite providing all the necessary documentation and complying with the required procedures, the credit reporting agencies have failed to remove the fraudulent items within the legal time frame. These errors have negatively impacted my credit score and have created undue hardship for me.

I am seeking your assistance to ensure that these fraudulent items are permanently removed from my credit report and that the credit reporting agencies comply with the obligations set forth by the Fair Credit Reporting Act ( FCRA ). 

This description provides the CFPB with the details they need to address your dispute. Make sure to adjust the placeholder fields like dates and amounts to match your specific situation. Let me know if you need further modifications!
Consumer complaint received 2024-10-01
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. (PA)

Your Name ] [ Your Address ] [ City, State, Zip Code ] [ Your Email Address ] [ Your Phone Number ] [ Date ] Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXXXXXX XXXX Subject : Complaint Regarding Inaccurate Debt Reporting and Unlawful Use of Consumer Credit Information Dear Consumer Financial Protection Bureau , I am writing to formally file a complaint regarding the inaccurate reporting of my debt and the unlawful use of my consumer credit information by the credit reporting agencies. I believe this issue violates several provisions of federal law, including the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

Specifically, I have encountered the following issues : Inaccurate Reporting : The credit reporting agencies have reported debts that are either incorrect or do not belong to me. This misinformation has negatively impacted my credit score and my ability to obtain credit. 

Unlawful Communication : Under 15 U.S.C. 1692c ( a ), debt collectors are restricted in their communication practices, especially regarding when and how they can contact consumers. I have received communications that violate these provisions, including attempts to contact me at inconvenient times or without my consent. 

Unauthorized Use of Consumer Information : Per 15 U.S.C. 1666b, the use of my credit information appears to have occurred without proper authorization, leading to further inaccuracies in reporting and adverse effects on my credit profile. 

Violations of the FCRA : The inaccuracies I have experienced also contravene several sections of the FCRA, including but not limited to 1681, which mandates that consumer reporting agencies ensure maximum possible accuracy in their reports. The failure to correct these inaccuracies is not only damaging to my financial standing but also unlawful. 

account-XXXX XXXXXXXX Given these violations, I request that the CFPB investigate this matter thoroughly. I seek corrective action to ensure that my credit report is accurate and that the unlawful practices cease immediately. 

I appreciate your attention to this serious matter and look forward to your prompt response.
Consumer complaint received 2024-10-01
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)

I am writing to address a serious issue regarding my credit report. Despite my recent requests to remove fraudulent accounts and inquiries, as referenced in reports XXXX, XXXX, and XXXX, new fraudulent entries continue to appear. This ongoing problem is extremely concerning and requires immediate resolution. New Fraudulent Inquiries : XXXX XXXX - XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XXXX XXXX, XXXX Please take immediate action to remove these fraudulent inquiries from my credit report. Additional Fraudulent Account : XXXX XXXXXXXX XXXX - XXXX - XX/XX/XXXX. This account does not belong to me. Kindly review and remove it from my records. Your prompt assistance in addressing this matter is greatly appreciated. Please confirm once these fraudulent entries have been removed and provide any necessary documentation or updates regarding this request. Thank you for your attention to this urgent issue. I have attached my FTC report, ID, and proof of address.
Consumer complaint received 2024-10-23
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. (FL)

Subject : Request to Block and Delete Accounts Due to Identity Theft Pursuant to 15 USC 1681c-2 ( a ) To Whom It May Concern : I am writing to formally notify you that I have become a victim of identity theft as a result of a recent data breach at XXXX. In accordance with my rights under 15 USC 1681c-2 ( a ), I am requesting that you block and permanently delete any fraudulent accounts, inquiries, or information associated with the identity theft from my credit report. 

I am also attaching proof that I was a victim of the XXXX data breach, and I kindly request that this information be considered as part of my claim.

Additionally, I have identified that a Chapter 7 bankruptcy, which was not filed by me, has been erroneously added to my public records. The reference number is XXXX, with a filing date of XX/XX/year>. This information is a result of identity theft and must be blocked and removed from my credit report. 

I have enclosed a copy of my Police Report/FTC Identity Theft Report ( FTC Report Number : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2, when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within FOUR business days. 

The following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX Reference XXXX, Date Filed XX/XX/year> *XXXX Account XXXX I appreciate your prompt attention to this matter and request that you confirm in writing once these fraudulent items have been removed from my credit report.
Consumer complaint received 2017-06-29
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Unexpected or other fees — 
Company: JPMORGAN CHASE & CO. ()

I have placed an advance for my product camera which cost of XXXX XXXX XXXX and one of the customer from USA asked for the and she as send the address to which I need to send and once the product reached I will get my money like that she as informed me ... but now she is not responding and that bank people also not responding and they are asking extra money for transfer of amount.