davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

Issue : XXXX XXXX is reporting a charge-off ( CO ) on my credit report every month, indicating that I have an outstanding balance or am delinquent on my payments. This is inaccurate and causing harm to my credit score. 
Law : Fair Credit Reporting Act ( FCRA ) - 15 U.S.C. 1681c ( a ) : A creditor can only report a charge-off ( CO ) once, when the account is initially deemed uncollectible.

Metro 2 Guideline 4.1 : A creditor can not report a CO every month, only when there is a change in the status of the debt. 
Violations : XXXX XXXX reported a CO in XXXX and again in XXXX, without a change in the status of the debt. 
XXXX XXXX failed to conduct a reasonable investigation of my dispute and correct the errors on my credit report. 
Damages : Harm to my credit score XXXX XXXX Loss of credit opportunities Supporting Documentation : A copy of my credit report showing the inaccurate reporting Additional Information : XXXX XXXX 's reporting of CO every month without a change in the status of the debt is a clear violation of the FCRA and Metro 2 guidelines.

I request that the CFPB take immediate action to correct the errors and hold XXXX XXXX accountable for their actions.
Consumer complaint received 2024-09-28
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. (AZ)

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 Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX 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 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 2024-09-06
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. (DC)

I'm writing to impart my uneasiness with respect to the challenged records on my credit report. On different events, I have raised the issue of mistakes in these records, and have dependably referenced that they be totally analyzed. No matter what my undertakings, I by and by just can't get any objective or helpful movement. These off-base records are genuinely hurting my credit archive and forestalling my ability to continue with a normal life. The unfriendly outcomes of these mistakes have caused tremendous hardships for me, and I'm left with no choice aside from to contend for your assistance with reviewing what is happening rapidly. I liberally request that you direct a cautious assessment concerning the noteworthy of all of these challenged records. It is essential that the principal propels are taken to revive and revise my credit report right away. With your help, I want to restore the precision and dependability of my credit record so I could recover control over my money related success. I really request that you offer this matter your most outrageous thought and take a fast action. Your support and moving in settling this issue quickly would be very significant. Much gratitude to you early on for your perception and help.
Consumer complaint received 2023-10-31
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)

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. 

XXXX XXXX Bank XXXX : # XXXX, Extra : # XXXX, Dept of Education : # XXXX, US Dept of EdXXXX : # XXXX, XXXX XXXX XXXX IL # XXXX Credit collection serv # XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX has violated my rights. 

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 2024-09-12
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. (CA)

I reviewed my Consumer Reports and noticed that I have an erroneous collection that should be REMOVED. Consumer reporting agencies have assumed a vital role and have a responsibility to report Consumer information to then best of their ability with MAXIMUM ACCURACY. This account is not on XXXX but is on XXXX and Equifax with information that doesnt even MATCH. Please investigate and provide proof with statements showing that these accounts are accurate. If proof cant be provided I demand this account be DELETED COMPLETELY from my credit report. Thanks.
Consumer complaint received 2024-09-06
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)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

Hello, there is erroneous information that you keep reporting on my credit. This is really worrisome and it's stressing me out. My financial freedom is at stake and these errors halts the progress in achieving it. It's been a long time but you keep on ignoring it and it's taking a toll on my mental health.
Consumer complaint received 2024-09-06
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. (GA)

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 2024-08-21
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. (MD)

To Whom It May Concern, I am writing to inform you about a very alarming and important issue regarding the compromise of my social security number, which has resulted in me being a victim of a data breach and identity theft. To address this situation promptly, I have already contacted the Federal Trade Commission and filed an FTC Report enclosed with this correspondence. By 15 USC 1681c-2 c ( a ), it is imperative that you, as a credit reporting agency, take immediate action to block and remove all information associated with this identity theft from my credit report. This statute mandates that credit reporting agencies must promptly address such requests within four business days of receiving a complaint that includes the following information : XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account XXXX Please ensure that all information is accurate DEPARTMENT OF TREASU Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Account XXXX CXXXX XXXX XXXX  Account XXXX The unknown collection account reported negatively impacts my creditworthiness and violates my rights under federal law. Additionally, as a victim of the Equifax data breach, I am concerned about the security of my personal information and the accuracy of my credit report. I demand the immediate deletion of the unknown collection account from my credit report and request a thorough investigation into the matter. Please provide me with a written response detailing the actions taken to rectify the inaccuracies and ensure the security of my credit information. 

XXXX XXXX XXXX XXXX Account Number:40**** Please investigate and delete it from my credit report.
Consumer complaint received 2024-09-29
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. (CA)

sent an initial complaint dated XX/XX/year> with the inaccuracies that are being reported differently across Transunion, XXXX and XXXX. They ( XXXX XXXX XXXX XXXX received that letter with certified returned receipt on XX/XX/year>. They have not responded as of today. A second letter was sent on ( XX/XX/year> ) certified signature required with further violations highlighted. I hope they cure the deficiencies by fixing or deleting the inaccurate items as required by Law. here 's the tracking number : XXXX second letter tracking number : XXXX
Consumer complaint received 2024-09-06
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. (NY)

This letter serves as my final demand regarding the ongoing dispute over the inaccurate and invalid negative account that continues to be reported on my credit report. Despite multiple attempts to resolve this issue, you have failed to correct the discrepancies in reporting across the credit bureaus, which is a direct violation of the Fair Credit Reporting Act ( FCRA ).
Consumer complaint received 2024-09-28
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. (IL)

I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.
Consumer complaint received 2024-09-17
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. (NJ)

XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Subject : Complaint Regarding Accounts Opened Due to XXXX XXXX Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint regarding several unauthorized accounts that were opened in my name as a result of a data breach. I have already reported this issue to the Federal Trade Commission ( FTC ) and would like to ensure that my situation is also addressed by your office. 

Details of the Complaint : I learned that my personal information was compromised due to a data breach involving XXXX and other business entities. As a result of this breach, several fraudulent accounts were opened in my name. 

FTC Report : I have filed a report with the Federal Trade Commission ( FTC ) regarding this matter. The report was submitted on XX/XX/XXXX and is documented under the FTC Complaint Numbers : XXXX AND XXXX Details of Unauthorized Accounts/Records : Account Name/Number XXXX : bank of XXXX Acct XXXX XXXX Account Name/Number XXXX : world XXXX XXXX or XXXX XXXX XXXX Acct XXXX XXXX Account Name/Number XXXX : XXXX Acct # XXXX Account Name/Number XXXX : XXXX XXXX XXXX ( I have attached a copy of the " alleged statement '' from the original creditor that this collection agency provided me but I have never even lived at this address ) Account Name/Number XXXX : XXXX bank Acct # XXXX Account Name/Number XXXX : XXXX XXXX XXXX Bank Acct # XXXX Account Name/Number XXXX : Capital XXXX # XXXX Account Name/Number XXXX : XXXX XXXX XXXX XXXX Account Name/Number XXXX : XXXX  & XXXX XXXX XXXX # XXXX Account Name/Number XXXX : XXXX XXXX # XXXX Account Record/Number XXXX : Type - Chapter XXXX Bankruptcy Reference # XXXX Date Filed XX/XX/XXXX Actions Taken : I have taken the following steps to resolve this XXXX XXXX Contacted the affected creditors to dispute the fraudulent accounts. 
Requested a credit freeze with XXXX, XXXX and TransUnion. 

Requested Resolution>>> I respectfully request that the CFPB assist me in : Ensuring they are REMOVED from my credit reports IMMEDIATELY as they are negatively affecting my credit profile and causing me to be denied credit. 

I have attached copies of relevant documents, including my FTC report, and correspondence with the affected creditors/bureaus. 

>>I have tried NUMEROUS times to have Transunion PROPERLY investigate these accounts but they keep saying that they are verified which can't be true. I have also requested detailed summaries of their methods of verification which they refuse to provide me as well.<< Please let me know if you require any additional information. 

Thank you for your attention to this matter. I look forward to your assistance in resolving this issue. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-09-16
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION (KY)

Hello my problem is i was talking with a dealerchip to buy a vehicule but hi ask me for somany documentation and i geave him all, and the price hi said for the car is not, and when the finance aprouve the contract he just signe without telling me the price and i alwas aak him for the final price he never want, and the last time he calling i was in my work job, and after i sow i contract for, XXXX time the price, when i call the finance to explain then they allwas don't take care after they said the need to investigate after a long time thaey told me i have to pay, and i said no the try to broke my credit, i ask them to cancel that or change the car they fo n't want and the car i never try it, so i was calling credito reclamo they geave me the website to talk for that, just need your help please
Consumer complaint received 2024-09-28
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. (AZ)

I would like to file a complaint against the XXXX bureaus regarding the negative items on my credit report. These negative items on my credit report are severely affecting me. I would like to request that these negative items be removed from my credit report and made positive. If the XXXX bureaus do not take action, I am prepared to file a lawsuit against them and demand appropriate compensation.
Consumer complaint received 2024-09-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

My Information was Exposed in a Data Breach and it is reporting incorrect information. It is showing a bankruptcy, and Reporting incorrect information such as XXXXXXXX XXXX and XXXX XXXX XXXX  Per the The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies. A report with FTC was also made
Consumer complaint received 2024-09-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within XXXX 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 items 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 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Consumer complaint received 2024-09-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an XXXX XXXX  helping me due to XXXX XXXXXXXX XXXX XXXX which falls under XXXX  according to XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. 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 items 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 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Consumer complaint received 2024-09-08
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. (NC)

XXXX XXXX XXXX Youre reporting this collection as Open Account which isnt under FCRA compliance. This inaccurate reporting and it needs to be removed immediately. Please send copy of my credit report when the above collection is deleted
Consumer complaint received 2024-09-06
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC. (TX)

Wednesday, XX/XX/year>. Midland Credit Management, called me early in the morning, asking me to verify my name, to which I refused until they would tell me who they were. They did not. The more I refused to verify myself to a company that wouldnt verify themselves they began to threaten to take legal action. Afterwards proceeded to call multiple additional times throughout the day. 

They also had someone on the line as I answered, said my name, and, even though I did not answer in any affirmative way what so ever, yet I was transferred to the rude lady from MCM, who claimed that the first person verified that I am who I am. This is a scummy, and unethical tactic that they use to trick people. 

After looking into this company more, and seeing all of the other most likely illegal and shady actions and tactics this company uses I decided to file this complaint against them.