davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-15
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Accredited Collection Service, Inc. (IA)

OnXX/XX/XXXX debt collected sent a notice in past due account. Paid bill within a week and asked for written confirmation debt was paid in full. Have repeated request twice and each time they give us different excuse for not sending out letter. They have also provided incorrect information before on how much was discounted by original company and when letters were sent out. When I have pointed out what occurred in the past they blame me. Original provider even admitted there was a mistake on their end on how process was handled
Consumer complaint received 2020-10-15
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. (WA)

There are currently numerous inquiries and accounts listed on my credit report that I have no knowledge of. These inquiries and accounts were not authorized or initiated by me and was a result of fraud or malpractice.
Consumer complaint received 2024-09-05
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: EQUIFAX, INC. (NC)

I'm in disagreement with the accounts listed below which still appears on my credit report, even after your investigation. I would like these items immediately re-investigated. The inaccuracies are highly injurious to my credit score. XXXX XXXX XXXX number : XXXX, XXXX  XXXX XXXX XXXX XXXXXXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  account # XXXX. XXXX account # XXXX, XXXX  and XXXX. IN ACCORANCE with The Fair Credit Reporting Act, Public law 91-506 Title VI, Section 611, please provide the names and businesses addresses of each individual with whom verified above so that i may follow up. Please send a updated copy of my credit report after your re-investigation.
Consumer complaint received 2024-09-04
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. (GA)

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 2024-09-04
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. (IL)

I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction.

I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.
Consumer complaint received 2023-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Nelnet, Inc. (NY)

As of XXXX XXXX, XXXX has been reporting Unaccurate Unupdated Information from an Nelnet account by the department of education XXXX has have been continuing to report and identify on my credit report these late payments and debt accounts to XXXX. They have not stated that this debt has been sold to another company. In addition, they are also reporting an extreme and hindering late history. I have continuously disputed this matter only to receive more errors on my report. I spoke to the other credit bureaus and they have updated the information on the report. May some one please assist me in having this issue resolved. I want only factual information reported on my report. My account opened XXXX XXXX and was closed on XXXX XXXX. I do not owe them any debt or have outstanding late payments to this company Nelnet.
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MN)

Identity Theft! I recently found that there are several fraudulent items on my credit report that don't belong to me. I do not have a record of doing business with these companies. I have documented all correspondence with your company. Please remove these fraudulent accounts, as you know they are in violation of the Fair Credit Reporting Act. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID, Proof of Address with my most recent bill and SSN Card. 

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Consumer complaint received 2024-09-04
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 reporting Equifax for failing to block and remove fraudulent accounts from my credit report, as required under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c-2. I am a victim of identity theft and submitted the necessary documentation, including an identity theft report and proof of identity, to request the removal of the following fraudulent accounts : AXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax has not complied with the FCRA requirement to block and remove the fraudulent information within four business days. I am requesting the Consumer Financial Protection Bureaus assistance in ensuring Equifax takes immediate action to remove these fraudulent accounts from my credit file and complies with federal law.
Consumer complaint received 2024-08-19
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. (GA)

I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable itms which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Consumer complaint received 2024-08-19
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. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ] [ XXXX ] XX/XX/XXXX Consumer Financial Protection Bureau ( CFPB ) 1700 G Street NW XXXXn, XXXX  XXXX Subject : Request for Assistance Regarding Unauthorized Inquiries on My Credit Report Dear CFPB, I am writing to formally request your assistance regarding unauthorized inquiries that appear on my credit report. Despite my efforts to resolve this matter directly with the credit bureaus, they have refused to remove these inquiries, which I believe are a result of identity theft. 

On [ XX/XX/XXXX ], I submitted an identity theft report to [ experian, XXXX, and XXXX ], detailing the unauthorized inquiries and the fraudulent accounts opened in my name. However, the credit bureaus have failed to take appropriate action to investigate or remove these inquiries, which is in violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2. This law mandates that consumers are entitled to have fraudulent information removed from their credit reports if they provide a valid identity theft report.

I have attached copies of my identity theft report and relevant correspondence with the credit bureaus for your reference. Given the circumstances, I respectfully request that the CFPB intervene to facilitate the removal of these unauthorized inquiries from my credit report.

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, [ XXXX XXXX XXXX ] Attachments : Identity Theft Report, Correspondence with Credit Bureaus
Consumer complaint received 2024-08-31
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)

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXXXXXX XXXX XXXX XXXXXXXX BALANCE {$5300.00} -DATE OPENED XX/XX/XXXX Account Name XXXX XXXX XXXX XXXXXXXX BALANCE {$3700.00} -DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX BALANCE {$2400.00} -DATE OPENED XX/XX/XXXX Unauthorized Inquiries : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-08-19
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. (NJ)

After sending a lot of Dispute Letters and FTC reports, these negative items are STILL reporting. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Consumer complaint received 2024-08-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (MN)

On XX/XX/year>, I attempted to initiate a credit freeze on my Experian credit report. Experian 's system was unable to verify my identity online. Subsequently, I was instructed to contact the provided phone number, XXXX, for alternative verification. Unfortunately, automated prompts prevented connection with a human representative, directing me solely to online or mail-in verification options, despite repeatedly asking for a representative, specialist, or human. 

When attempting the mail-in or upload verification process, I encountered a technical issue where the document upload page repeatedly redirected to the initial demographic information page. 

I have been unable to establish direct human contact with Experian despite multiple attempts through various channels, including phone, email, and social media such as XXXX. XXXX lack of accessible human customer service is unacceptable.
Consumer complaint received 2024-10-12
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. (LA)

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 Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and 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 XXXX 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 2024-08-19
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. (FL)

My persons name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX Florida  XXXX I am XXXX XXXX XXXX veteran I do not recognize any other information or names. I am very simple man. I am a law abiding man. 
I can state a lot of mumbo jumbo but the facts are simple. 
XXXX XXXX XXXX XXXX XXXX usc XXXX XXXX usc XXXX XXXX XXXX usc XXXX XXXX  usc XXXX Emergency bank act XXXX The bad credit industry is very profitable.
Consumer complaint received 2024-08-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MO)

Experian you is reporting Inaccurate information on my credit report. The account XXXX, XXXX you is reporting this account pass due on my credit report when this account is not pass due but indeed Inaccurate. I have enclose my XXXX report with this dispute to show you are misleading with Inaccurate reporting on my credited report.
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: Experian Information Solutions Inc. (IL)

After reviewing my credit report, I discovered accounts that I did not recognize or apply for. 
Upon further investigation, I realized that my My personal information was exposed in several data breaches as well. I nave no recollection or applying for any of the accounts in question, and they are negatively impacting my credit. Per section 15 USC 1681 c-2, any fraudulent accounts that I did not authorize or signed a contract for must be removed off my credit report in 4 days!

These fraudulent accounts are not only damaging my credit but also causing me significant stress and XXXX I have no connection to these accounts and urgently request their immediate removal to prevent any turner harm to my financial well-being.
Consumer complaint received 2024-08-19
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: TRUIST FINANCIAL CORPORATION (GA)

Earlier in the year, XXXX of the credit cards I have with Truist were stolen and several fraud charges were made on them. I immediately contacted Truist to report the issue. It took several months for anything to be done about it. In the meantime, Truist was charging me interest on those fraud charges. They eventually finished their investigation in XXXX and determined they were indeed fraudulent and reversed them. However, they then changed their minds nearly XXXX months later and put the charges back on XXXX of my cards. They then closed my savings and checking account as well as both of my credit cards. No reason was ever given outside of a generic letter that said Truist had the right to terminate my accounts at any given time. I've contacted them several times and for months after just trying to get clarity as to why and they all refuse to give me an answer. For whatever reason, XXXX of the cards was randomly re-opened last week for regular usage again. I only noticed because a random XXXX charge was made on it. I'm confused as to why it was even closed in the first place and why {$7000.00} of fraud charges are allowed to stay on this card.
Consumer complaint received 2024-08-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (WV)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-09-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
XXXX XXXX XXXXXXXX Balanced {$100.00} XXXX XXXX XXXX Balanced {$62.00} XXXX XXXXXXXX Balanced {$870.00} XXXX XXXX XXXXXXXX Balanced {$5700.00} XXXX XXXX Balanced {$0.00} XXXX XXXX XXXX Balanced {$85.00} XXXX XXXX XXXX Balanced {$1400.00} XXXX XXXX XXXX Balanced {$830.00} XXXX XXXX XXXX Balanced {$810.00} XXXX XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-09-09
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. (IN)

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXXXXXX Balance : {$280.00XXXX XXXX XXXX XXXXBalance : {$660.00}
Consumer complaint received 2024-10-13
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: EQUIFAX, INC. (KS)

I am writing to file a formal complaint against the credit reporting agencies, including XXXX, Equifax, and XXXX, for their failure to adequately handle disputes regarding incorrect information on my credit report. As a wounded veteran, I am particularly frustrated by their failure to properly investigate and remove medical debt that should not be reported. 

Over the past several months, I have attempted to dispute multiple inaccuracies on my credit report, including medical debt, which I believe should be removed due to its improper reporting. Unfortunately, the credit reporting agencies have failed to provide adequate information about the results of my disputes. In some cases, they have not conducted the required investigations as mandated by the Fair Credit Reporting Act ( FCRA ). Furthermore, there are times when these agencies have not allowed me to file disputes online, restricting my ability to correct the inaccuracies in a timely and convenient manner. 

Despite my good-faith efforts to resolve these issues, the credit reporting agencies have not fulfilled their legal obligations, and the inaccuracies remain on my credit report, causing me unnecessary harm and stress. As a wounded veteran living with the challenges of medical debt, this situation is particularly distressing, and I believe the credit reporting agencies are not adequately addressing my concerns. Specifically, some collection debts have not been verified by certain agencies but remain on the credit reports of others. Despite this inconsistency, these debts are not being properly investigated or removed across all reporting agencies, as required by law. 

I am requesting that the CFPB investigate these matters and hold the credit reporting agencies accountable for their failure to comply with the FCRA. Specifically, I demand that they be required to conduct proper investigations into my disputes, provide clear and comprehensive results, and remove inaccurate medical debt from my credit report.
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MD)

I want to stress that I did not authorize these accounts, and their existence is causing me significant distress. I respectfully request that you prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report. Your immediate attention and resolution of this matter are highly valued.
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (MD)

I paid someone to sit on the PHONE for 2 hours waiting for a person to answer the phone from EQUIFAX. I was not able to freeze my account at EQUIFAX from the EQUIFAX website. Once a person from EQUIFAX answered the phone, they said ( THEY ) would FREEZE my account. There was nothing stopping it from being frozen!!! When I asked the person from Equifax how I could re-freeze my account from the website, he refused to tell me, then very courteously hung up on me. Well after XXXX and XXXX hours of work I finally got my EQUIFAX re-frozen. Way too much hassle. The 3 agencies need to be eliminated and combined into one agency with much better website operation and security and better customer service. No wonder so many peoples personal info gets stolen!!! The GOVERNMENT needs to fix this. XXXX XXXX!