davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-11-16
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. (OH)

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX Social Security Number : XXXX XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX XXXX PA XXXX Subject : Immediate Request for Account Deletion Due to Identity Theft Under FCRA and Relevant U.S. Code Dear TransUnion Consumer Solutions, I am writing to dispute inaccurate information on my credit report under the Fair Credit Reporting Act ( FCRA ). Upon reviewing my credit report, I found an account with XXXX XXXX that was fraudulently opened in my name due to identity theft. 

* Account Name : XXXX XXXX * Account Number : XXXX * Date Opened : XX/XX/XXXX * I did not open this account, and I am not responsible for any charges or payment history associated with it. This fraudulent account has resulted in negative information on my credit report, including late payments, which I request be removed immediately. 

Under 15 U.S. Code 1666 ( b ), consumers have the right to dispute billing errors, including unauthorized charges.

Additionally, 15 U.S. Code 1637 ( a ) requires that creditors provide clear statements of account opening, which I did not receive or authorize. These protections, in conjunction with the FCRA, support my right to dispute and have deleted any fraudulent or inaccurate account information. 

Enclosed are the following documents to verify my identity and support my dispute : Enclosed are the following documents to verify my identity and support my dispute : 1. A copy of my government-issued ID.

2. A copy of a recent utility bill ( to verify my address ).

3. A copy of my FTC Identity Theft Report, reference number [ FTC report number if available ].

Under the FCRA, you are required to investigate this matter and respond within 30 days. I urge you to prioritize this case and confirm the immediate deletion of this account. 

Thank you for your prompt attention to this urgent matter. 


Sincerely, XXXX XXXX
Consumer complaint received 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

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.
Consumer complaint received 2023-06-23
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. (NJ)

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XXXX XXXXXXXX XXXX 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 2021-03-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: NAVY FEDERAL CREDIT UNION (NY)

I have been a loyal member of Navy Federal Credit Union for over 35 years. In early XXXX I received an offer to transfer balances to my credit card at 1.99 % for 15 months. My husband also received an offer for 9 % at nine months. I already have a Visa credit card with NFCU and am being charged 9.9 % interest. I telephoned and emailed NFCU asking if the same offer I could receive offer of 1.99 % for 15 months so as to assist in bringing my credit card payment down and avoid the current $ XXXX/month in interest. TSaving $ XXXXmonth in interest at this point in my life with two college tuition to pay for would help a lot. NFCU responded saying " thanks for being a loyal member, but THAT offer is only for NEW members ''. How does this make sense? Then don't make the offer and reject me because based on me NOT being a NEW member. You don't want to assist a LOYAL customer who has over 10 family members banking with you, and a mortgage with you. It's terrible advertising and why send me the offer if you don't mean it? I'd like to ask and think it's only fair that NFCU allow me the 0 % interest rate for 15 months on my credit card
Consumer complaint received 2024-08-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IN)

-- - **XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX IN XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington XXXX XXXX XXXX Subject : Complaint Against XXXX XXXX for Violation of FCBA ( 15 U.S.C . 1666b ) and Incorrect Address Reporting Dear Sir/Madam, I am writing to formally lodge a complaint against XXXX XXXX XXXX for failing to provide mandatory billing disclosures as required under the Fair Credit Billing Act ( 15 U.S.C. 1666b ) and for inaccurately reporting my address. According to my records, XXXX XXXX has my address listed as XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, which is actually a mall, and not a residential address. My actual address, as noted above, is XXXX XXXX XXXXXXXX XXXX, XXXX, XXXX XXXX. 

For over XXXX years as a client of XXXX XXXX, I have not received the necessary billing disclosures that are legally mandated. This lack of compliance has significantly impaired my ability to manage and understand the terms of my credit. The incorrect address listing has further complicated this situation, potentially affecting my credit and personal records. 

I request that the CFPB investigate these issues to ensure compliance with the FCBA and correct any erroneous information regarding my address in their records. I expect a resolution that includes a correction of my address, a comprehensive disclosure of all past billing information, and an assurance of future compliance with legal standards. 

Enclosed are copies of my communications with XXXX XXXX and any other pertinent documents that support my claim. 

Thank you for your attention to these serious matters. I look forward to your prompt response and resolution. 


XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-13
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: EQUIFAX, INC. (NJ)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-23
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. (TX)

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2021-03-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NAVY FEDERAL CREDIT UNION (NC)

Over the course of a year and after several phone conversations and letters with Navy Federal Credit Union regarding a credit card card consumer credit transaction showing on my reports have refused to XXXX balance close and remove transaction. Per 15 usc 1692g Validation of debt is warranted I have requested the " original Creditor '', name and address and to Cease and desist collection activities.
Consumer complaint received 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NC)

I was a victim of identity theft and I am currently in distress and suffering from XXXX  because of this. I am seeking help on my situation where my credit report reflects an outstanding debt that I know was caused by fraud. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft.
Consumer complaint received 2023-06-23
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: FIRST PORTFOLIO SERVICING INC (VA)

These inquiries are causing a negative impact on my credit score, and I request that they be removed from my credit report immediately. I have reviewed my credit report and found that these hard inquiries were made without my consent or knowledge. ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have not applied for any new credit or loans recently. Under the Fair Credit Reporting Act, I have the right to dispute any inaccurate or unauthorized information on my credit report. I am requesting that you investigate these hard inquiries and remove them from my credit report if they are found to be inaccurate or unauthorized.
Consumer complaint received 2023-06-23
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: WLCC (MI)

On XX/XX/23, a remote check was created and presented to my bank for {$50.00}. It was cleared by my bank. I never authorized this payment and in fact had revoked ACH authorization prior to this, 6 months ago. The company has not provided any response and has an unauthorized " payment schedule '' on their web portal where they plan to deduct additional money from my account without permission.
Consumer complaint received 2023-10-19
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WV)

On XX/XX/2023 I attempted to do a balance transfer using my XXXX app to transfer a balance of {$8400.00} to pay off my Bank of America credit card and it kept saying it wouldn't go through. On XX/XX/2023 I called XXXX and a rep was able to help me with a balance transfer that I decreased to {$7400.00}. On XX/XX/2023 Bank of America received money from XXXX in both amounts for a total {$15000.00} in which it took months of phone calls to get reversed. So finally, on XX/XX/2023, Bank of America sent XXXX back {$8400.00}, but XXXX is saying they never received it. I have called both banks MANY times and have not gotten anywhere. XXXX is asking Bank of America to send me proof of the wire transfer with accounts and routing numbers which I have yet to receive. On XX/XX/XXXX Bank of America sent me a letter saying that they had attempted to return the money to XXXX, but it wouldnt go through so they were gon na cut me a check. I got the check shortly after and I attempted to cash it but they had stopped payment. So I either need a check again or they need to put the money back in my account. And if they are still saying, they sent it to XXXX prove it, because XXXX is saying they do not have it.
Consumer complaint received 2023-04-07
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. (OH)

I, XXXX XXXX, am submitting this CFPB Complaint to follow up on the recent Complaint I submitted. The latter is disputing the fraudulent items that were listed on my credit report. Upon receiving a copy of my credit report, I was appalled to discover several accounts that I did not open and have no knowledge of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Unpaid Balance {$0.00} XXXX XXXX XXXX  XXXX Unpaid Balance {$0.00} XXXX XXXX XXXX Unpaid Balance {$0.00} XXXX XXXX XXXX Unpaid Balance {$0.00} XXXX XXXX XXXX XXXX Unpaid Balance {$0.00} XXXX XXXX XXXX Unpaid Balance {$0.00} XXXX XXXX XXXX Unpaid Balance {$0.00} XXXX XXXX  XXXX. XXXX Unpaid Balance {$0.00} EQUIFAX/XXXX XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXI wish to assert that I did not authorize anyone to open these accounts on my behalf. Given the circumstances, I believe this is an identity theft case, and I have already taken necessary measures to report this issue to the authorities. Thus, I implore you to conduct an immediate investigation into these fraudulent accounts and remove them from my credit report as soon as possible. I am well aware of the Fair Credit Reporting Act 's requirement to conduct a reasonable investigation into any disputes. Therefore, I am confident that upon investigation, you will find that these accounts are fraudulent and should not be listed on my credit report.
Consumer complaint received 2023-06-23
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. (TX)

This is the message I keep getting from Experian. They are the only one that keeps reporting this false information. They continue to say that they are using a company to verify this information. The company that furnish the information is not affiliated with a court and is not a legitimate authority to verify the existence of a record. 

I have contacted the court and they have confirmed to me that they never verified no such record nor received any contact from Experian during any credit dispute investigation. They stated that they do not release any such information to the public and are not responsible for anything like that reporting to any online site nor credit reporting agencies.The court clerk told me that XXXX or XXXX XXXX neither are associated with the court. XXXX XXXX does not report a Bankruptcy Therefore your response to my initial dispute where you state that the information is verified is either a lie or an error. 

Experian did you verify this record with the courts as required? Please provide detailed explanation of your FCRA complaint investigation. 

It is only fair that in accordance with Section 16 18 A5 of the FCRA that you delete this record immediately and send me an updated copy of the credit report. 

I worked for the XXXX XXXX XXXX in XXXX XXXX XXXX. My data was compromised by the XXXX hacking of the OPM database where all personal details for the lives of XXXX XXXX XXXXXXXX XXXX is held. My addresses and account info was all sent to the Dark Web and used for so many scams and identity theft. Someone else did this to hurt me. 

I am also a XXXX XXXX in the U.S, just XXXX me. People are always attacking my identity and doing things in my name. 

Also see my attached birth certificate. My legal name is XXXX XXXX XXXX XXXX. Any an all legal documents that I sign by hand with authority to bind to an agreement as signed as such. The record you are using the verify and add this to my account is not only against FCRA protected privacy, but It is also Not accurate as There is no way the record has my name on it because its not mine. Please delete it immediately. 

I am a XXXX percent XXXX veteran. Please stop hurting me, I am facing serious health issues and having an accurate credit report is essential to my survival to secure financing for my health issues. 
____________________________________________________________________ From Experian : Your Bankruptcy Dispute has been updated. 

The dispute for the bankruptcy named XXXX XXXX XXXX XXXX XXXX  was not changed as a result of our processing of your dispute. The company that reported the information has certified to Experian that the information is accurate. 

Source : Experian Date Submitted : XX/XX/2023 Report Number : XXXX Court Name : XXXX XXXX XXXX XXXX XXXXXXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX MD XXXX Type of Record : Bankruptcy Reference Number : XXXX
Consumer complaint received 2024-08-13
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: EQUIFAX, INC. (GA)

I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.
Consumer complaint received 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NJ)

Despite my previous XXXX written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. In their responses to my dispute letters, they stated that they have verified the items listed as accurate but failed to send me copies of the documents used to verify these accounts, as per my request.

Their failure to provide these documents indicates that they can not and did not verify any of the disputed accounts as claimed. Furthermore, their failure to delete the disputed accounts that they can not verify after XXXX written requests demonstrates a willful disregard of Federal Law. 

Please review the attached letter. Thank you for your assistance.
Consumer complaint received 2023-06-23
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)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX  This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, Equifax, and XXXX 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 you receiving this complaint. This fraudulent, inaccurate, and false information consists of personal credit cards accounts opened at XXXX XXXX on XX/XX/XXXX under account number ( XXXX ), XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX under account number ( XXXX ), XXXX XXXX XXXX  on XX/XX/XXXX under account number ( XXXX ), XXXX XXXX  on XX/XX/XXXX under account number ( XXXX ), XXXX XXXX XXXX  on XX/XX/XXXX under account number ( XXXX ), XXXX XXXX XXXX  on XX/XX/XXXX under account number ( XXXX ), XXXX  on XX/XX/XXXX under account number ( XXXX ). A personal loan opened at XXXX XXXX on XX/XX/XXXX under account number ( XXXX ). XXXX other collections starting with XXXX XXXX  on XX/XX/XXXX under account number ( XXXX ), XXXX  opened on XX/XX/XXXX under account number ( XXXX ), XXXX XXXX XXXX on XX/XX/XXXX under account number ( XXXX ), XXXX XXXX opened on XX/XX/XXXX under account number ( XXXX ), XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX on XX/XX/XXXX under account number ( XXXX ). These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive attached a list of the collections in question as well a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, and charge-offs reported. The aforementioned accounts, collections, and charge-offs appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the 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 charge-offs are the result of identity theft and fraud. Ive also attached my consumer report, as well as the screenshots with the highlighted inaccuracy on my consumer report that is effecting my life because of improper use of my credit report by the reporting agencies.