davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Oklahoma XXXX XX/XX/XXXX Transunion XXXX XXXX XXXX XXXX, PA XXXX I, XXXX XXXX XXXX am writing with Regards to your Response Letter and notification of Your Completed Investigation. For Acct # XXXX, # XXXX, and # XXXX. XXXX asking for a Reinvestigation. So after reviewing My Credit Report I question Your Methods of Investigation. 

XXXX XXXX Violation : under XXXX XXXX. XXXX ( Fair Debt Collection Practices Act ) and XXXX XXXX. XXXX ( Fair Credit Reporting Act ), IT IS MY RIGHT AS A CONSUMER TO DISPUTE ANY INACCURACIES OR DISCREPANCIES IN THE INFORMATION YOU ARE REPORTING! Under the FAIR CREDIT REPORTING ACT ( FCRA ) I am requesting Validation of Debt, under XXXX. How was this XXXX conducted? 

Please provide me with Copies of the following information. All Documentation and Communication regarding this matter including but not limited to Names, Dates, and XXXX XXXX, Phone Number, Addresses etc. 

( XXXX ) Who did you Speak to ( XXXX ) What form of communication ( XXXX ) What Day ( XXXX ) What time ( XXXX ) Results Found I have reason to believe that your actions violate the following provisions : Fair Debt Collection Practices Act ( FDCPA ) : Section XXXX ( b ) : Communication in connection with debt collection must not be false, deceptive, or misleading. Section XXXX ( c ) : Section XXXX ( XXXX ) : Validation of debts is required upon consumer request. Fair Credit Reporting Act ( FCRA ) : Section XXXX : Provides for civil liability for willful noncompliance with any requirement under the FCRA. 
I request the following actions to resolve this matter : Provide validation of the debt as required by FDCPA Section XXXX ( XXXX ). Cease all collection activities until validation of the debt is provided. Provide documentation demonstrating compliance with FCRA Section XXXX regarding the accuracy and reporting of the debt to credit reporting agencies. If you fail to provide the requested information or continue collection efforts without validation, I reserve the right to pursue legal action under the provisions of XXXX XXXX. XXXX and any other applicable laws. Please respond to this dispute in writing within 30 days from the receipt of this letter. I expect a prompt resolution to this dispute in compliance with federal law. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-08-25
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. (NY)

I'm writing you today to inform you I was the victim of identity theft. Please let me letter serve as a formal dispute of the following accounts. I contact all the companies directly and was told to follow these steps to get this issue sorted. I filed a identity theft report with the FTC, have contacted all the company 's and now am disputing the info. Please help me with this matter. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (NC)

I have disputed information on my credit XXXX XXXX XXXX XXXX, yet XXXX still reports these items knowingly this item is in an identity theft report and I have not contracts with this company I would like it removed from my credit report
Consumer complaint received 2024-10-15
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)

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Account name : # XXXX Account name : # XXXX, Account name : # XXXX, has violated my rights. 

I looked at my XXXX credit report on XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Consumer complaint received 2024-08-25
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)

I recently reviewed a copy of my credit report and notice I had fraudulent accounts on my report. I did not give my authorization. I am writing your office today because I am a victim of fraud. An unknown individual used my personal information in the past to obtain credit from XXXX XXXX XXXXXXXX XXXX XXXX XXXX, and other banks without my knowledge or consent. 
I filed a complaint with XXXX XXXX Police department and I attach a copy of the card containing the case number with this letter. 

This matter concerning the XXXX XXXX XXXXXXXX and XXXXXXXX XXXX accounts has been resolved with Transunion in the past and reposted again recently by the creditor. It is illegal for this information to be reposted in my personal credit file when it was deleted and blocked in the past due to fraud. Please delete and block these fraudulent accounts from my credit report as they are fraudulent information. I'm expecting that the credit bureau will help me with this matter, I want to thank you in advance.
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

MY information was EXPOSED in multiple data breaches across XXXX, Equifax, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my Equifax, XXXX, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX XXXX, XXXX Date Opened XX/XX/XXXX Balance {$890.00} XXXX, XXXX Date Opened XX/XX/XXXX {$1100.00} XXXX XXXX {$8400.00} Date Opened XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX {$0400.00} Date Opened XX/XX/XXXX Inquiries XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX
Consumer complaint received 2024-10-15
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. (DC)

Upon a thorough review of my credit report, I have identified multiple errors that have adversely affected my credit score. These errors are not a true reflection of my credit history, and I believe they may have resulted from clerical mistakes, identity theft, or outdated information. I am requesting that these inaccuracies be promptly investigated and removed to ensure my credit report accurately reflects my financial responsibility. The incorrect information has caused undue harm to my credit score, which can affect my ability to secure credit and other financial opportunities. I trust that you will address this matter with the urgency it requires and make the necessary corrections.
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

MY information was EXPOSED in multiple data breaches across XXXX, Equifax, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my Equifax, XXXX, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX XXXX, XXXX Date Opened XX/XX/XXXX Balance {$890.00} XXXX, XXXX Date Opened XX/XX/XXXX {$1100.00} XXXX XXXX  {$8400.00} Date Opened XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX {$0400.00} Date Opened XX/XX/XXXX Inquiries XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

MY information was EXPOSED in multiple data breaches across XXXX, Equifax, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my Equifax, XXXX, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX XXXX, XXXX Date Opened XX/XX/XXXX Balance {$890.00} XXXX, XXXX Date Opened XX/XX/XXXX {$1100.00} XXXX XXXX {$8400.00} Date Opened XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX {$0400.00} Date Opened XX/XX/XXXX Inquiries XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

XXXX XXXX, XXXX XXXX, DOB- XX/XX/XXXX. This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax 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 secured loan opened at XXXX XXXXXXXX XXXX XXXX  on XX/XX/XXXX under the the account number XXXX, A charge card opened at XXXX  on XX/XX/XXXX under the account number XXXX, A secured loan opened at XXXX on XX/XX/XXXX under the account number XXXX, A charge card opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, A debt buyer opened at XXXX XXXX XXXX opened on XX/XX/XXXX under the Account number XXXX, A debt buyer opened at XXXX XXXX XXXX on XX/XX/XXXX under the Account number XXXX, An installment opened at XXXX XXXX XXXX  XXXX on XXXX XXXX, XXXX under the 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
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I am filing this FTC Identity Affidavit to report 5 separate fraudulent accounts appearing on my consumer FICO credit report which I do not recognize as reported and which are the result of Identity theft and fraud. These fraudulent accounts consist of a credit card account opened XXXX XXXX XXXX on XX/XX/XXXX under XXXX, XXXX XXXX XXXX  credit card opened XX/XX/XXXX under account XXXX, credit card account XXXX XXXX  XXXX opened XX/XX/XXXX account XXXX, credit card XXXX  XXXX XX/XX/XXXX credit card XXXX, credit card XXXX  XXXX opened XX/XX/XXXX XXXX. These accounts have resulted in several Fraudulent hard inquires and Fraudulent collections appearing on my consumer FICO credit report. I demand that the aformentioned Fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCAPA laws.
Consumer complaint received 2024-11-01
Product: Credit card — Store credit card
Issue: Closing your account — Can't close your account
Company: Bread Financial Holdings, Inc. (NC)

On XXXX XXXX I signed up for a Torrid Credit Card to receive a 40 % discount on my purchase. I never received the discount. I never received the card. I have never received an account number. I reached out to Comenity Bank at the beginning of XXXX to find out what was going on. Their system pulled an address I havent lived at in 2 years. At that time I offered to pay the full balance off but needed an account number for my records. They were unable to provide me an account number to an account in my name but still expected me to provide my personal bank account number to an outsourced employee. I requested them to cancel the card I never received and to please provide me the card and a statement to the proper address. I have never received a card for this account. I have not received the account number for this account. The first statement finally comes in XXXX but doesnt have an account number on it. 

I reached out to the bank multiple times between XXXX and XXXX. I have asked multiple times for the organization to fix their errors and reverse fees on top of interest and more fees. I made a good faith payment of my original purchase amount with out ever receiving an account number for my records. I have asked multiple times for them to reverse the interest and fees charged due to their organizations in ability to provide me an account number or card. I have also requested to have this account closed through multiple employees. My last phone call on XXXX XXXX I was told my account was never processed correctly. The representative explained the previous two representatives handled my account incorrectly resulting in the errors. He explained the system will not remove fees for an entire billing cycle. At this time all fees and interest being charged on the account are a result of employee error and system error. The organization is refusing to close the account taking an entire billing cycle that will continue to accrue interest to supposedly fix their errors issue. I only signed up for this account to receive a discount I never received. The organization acted in bad faith and closed my XXXX XXXX account held with the same institution. They still have not closed the Torrid account.
Consumer complaint received 2024-08-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

XXXX XXXX XXXX  Collection/Chargeoff Other {$7000.00} Status Date Reported XX/XX/year> Payment Status Collection/Chargeoff Account Status Derogatory Amount Past Due Not Reported Account Details Original Lender XXXX XXXX XXXX XXXX XXXX Account XXXX Not XXXX Responsibility Individual Age Of Account 1 Years, 1 Months Credit Limit Not Reported Highest Balance {$7000.00} Payment Details Amount Past Due Not Reported Date of Last Payment Not Reported Monthly Payment Not Provided Payment Frequency Not Reported Lender Info XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Remarks Account information disputed by consumer, meets FCRA requirements. 

I am writing to formally dispute the validity of the collection account referenced above. According to my records and the information I have received, this account is [ inaccurate, incorrect, not mine, or otherwise invalid ]. Please consider this letter as a formal request to investigate and validate this account. 

Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request validation of this debt. Please provide documentation proving that this account belongs to me, that the amount is accurate, and that your agency is legally authorized to collect it. Additionally, I request that you cease all collection activities while this investigation is pending. 

If you are unable to provide valid documentation within the required 30 days, I request that this account be immediately removed from my credit report and that you cease all collection activities. Additionally, please notify the credit reporting agencies to update and delete this account from my file. 

I look forward to receiving your written response, including the requested validation, within the legal timeframe. Please communicate with me in writing only. 

Thank you for your prompt attention to this matter.
Consumer complaint received 2024-08-25
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)

Attn : To whom it may concern, Greetings!

In accordance with The Fair Credit Report Act : The list of Accounts below have violated my Federally Protected Consumer Rights to Privacy and Confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. BC125 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 consumer reporting agency CAN NOT furnish an account without my written instructions and or consent.

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 ( 7 ) 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 2024-10-15
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)

I found unauthorized inquiries on my credit report today, and I have no clue how they got there. I check my report regularly, but this time there were unexplained discrepancies. I even tried refreshing the browser, hoping it was just a glitch, but the inquiries didnt go away. Im extremely frustrated and want this issue resolved immediately. Please double-check the documents Ive sent so this doesnt happen again.
Consumer complaint received 2024-08-25
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. (TX)

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 : XX/XX/XXXXXXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : # XXXX, Account name : XXXX XXXX XXXX # XXXX, has violated my rights. 

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.