davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (NJ)

XX/XX/2024 Equifax Information Services LLC Subject : Request to Place Fraud Alert on Credit Report Dear Equifax, I am writing to formally request that a fraud alert be placed on my Equifax credit report. 
On XX/XX/2024, I contacted XXXX to place a fraud alert on my credit report. They promptly added the alert and informed me that it will remain on my report for XXXX year. Additionally, XXXX notified me that they would inform the other XXXX major credit bureaus, including Equifax, to add the fraud alert as well. 
Enclosed with this letter is proof from XXXX indicating that they have placed a fraud alert on my credit report and notified XXXX. I am pleased to inform you that XXXX added the fraud alert as soon as the next day. However, it has come to my attention that Equifax has not yet placed a fraud alert on my report for the requested duration of XXXX year. 
Enclosed with this letter is proof that the fraud alert has been in place with XXXX and XXXX since XX/XX/2024. Additionally, I have enclosed my document identification for your verification. 
Given the circumstances, I kindly request that Equifax place a fraud alert on my credit report as soon as possible. This measure is critical in ensuring my credit report is monitored for any unauthorized activity, thereby protecting my personal and financial information. 
Thank you for your prompt attention to this matter. Please confirm the addition of the fraud alert by responding to my contact details provided above.
Consumer complaint received 2024-07-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

Dear Credit Bureau, I am writing to inform you of an error regarding the balance on my SYNCB/AMAZON account XXXX with the account number XXXX. I believe that the balance shown on this account is inaccurate due to fraudulent activities that occurred. 

I want to clarify that the card associated with this account has been closed, and I have not been late on any payments related to this account. Therefore, the current balance displayed on this account is not reflective of my actual financial standing. 

I kindly request that you investigate this matter further and correct the balance on my SYNCB/AMAZON account accordingly. Please also take the necessary steps to ensure that this fraudulent activity does not impact my credit report negatively. 

Thank you for your attention to this matter. Please feel free to contact me if you require any additional information to assist with this dispute. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-07-15
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. (FL)

XX/XX/XXXX Subject : Dispute of Inaccurate Credit Information - Account : XXXX Dear Credit Bureau, I am writing to formally dispute the inaccurate, unverifiable, and incomplete information that appears on my credit report from your agency. The account in question is listed below with its associated details : XXXX Account Information Account Number : XXXX ( XXXX ), XXXX ( XXXX ), XXXX ( Equifax ) High XXXX : {$4000.00} ( XXXX ), {$0.00} ( XXXX ), {$2400.00} ( Equifax ) Last XXXX : XX/XX/XXXX ( XXXX ) Date of Last Activity : XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( Equifax ) Date XXXX : XX/XX/XXXX ( all three ) Date Opened : XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX, Equifax ) Balance XXXX : {$4000.00} ( all three ) Closed Date : XX/XX/XXXX ( XXXX ) Account XXXX : Derogatory ( all three ) Account Description : Individual ( all three ) Dispute Status : Account not disputed ( XXXX, XXXX ), Account disputed ( Equifax ) Creditor XXXX : Miscellaneous Banks ( XXXX ), Bank Credit Cards XXXX XXXX XXXX, All Banks ( Equifax ) Account Status : Closed ( all three ) Payment Status : Collection/Chargeoff ( all three ) Creditor Remarks : Charged off as bad debt ( XXXX ), Subscriber reports dispute resolved - consumer disagrees ( XXXX ), Consumer disputes after resolution ( Equifax ) Payment Amount : {$0.00} ( all three ) Last Payment : XX/XX/XXXX ( XXXX, XXXX ), XX/XX/XXXX ( Equifax ) Term Length : XXXX ( all three ) Past Due Amount : {$4000.00} ( all three ) Account Type : Credit Card ( XXXX, XXXX ), -- ( Equifax ) Payment Frequency : XXXX ( all three ) Credit Limit : {$2500.00} ( all three ) Discrepancies and Inaccuracies There are numerous discrepancies and inaccuracies within the information reported by each bureau : 1. High Balance : Different amounts reported by XXXX ( {$4000.00} ), XXXX ( {$0.00} ), and Equifax ( {$2400.00} ). 
2. Date of Last Activity : Different dates reported by XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), and Equifax ( XX/XX/XXXX ). 
3. Creditor Remarks : Different comments regarding dispute resolutions and charge-off statuses. 
4. Account Status and Payment History : Inconsistent reporting of derogatory status and charge-off payments across all three reports. 


Request for Investigation and Deletion Given these discrepancies and the inaccurate, unverifiable, and incomplete nature of the information, I request a thorough investigation into this account. If the information can not be verified, please delete this account from my credit report immediately. 
Enclosed are copies of my credit reports from XXXX, XXXX, and Equifax, highlighting the relevant portions. Also included are copies of my identification and any additional documents you may require for verification. 
Thank you for your prompt attention to this matter. I look forward to receiving a response within 30 days as required by the Fair Credit Reporting Act ( FCRA ). 
Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-12
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)

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-07-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am writing to formally request assistance from you regarding an ongoing issue with my credit report. Despite numerous attempts to remove fraudulent items from my credit file, these inaccuracies remain unresolved. I have attached copies of my correspondence with the credit reporting agency/agencies, including my formal disputes, supporting documents. Despite my persistent efforts and compliance with all necessary protocols under the Fair Credit Reporting Act ( FCRA ), my credit report remains inaccurate due to these fraudulent items. This situation has significantly impacted my financial health and well-being. I kindly request that the CFPB intervene in this matter to ensure a thorough re-investigation and prompt removal of the fraudulent items from my credit report. I also seek assistance in obtaining an updated and accurate copy of my credit report once these issues have been addressed. Kindly help me remove the following items immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-12
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. (GA)

This complaint is in regards to the consumer report belonging to XXXX XXXX XXXX XXXX. There are multiple items that were added to XXXX XXXX XXXX XXXX consumer report that I did not authorize nor consent to. In fact I do not consent to these items being reported on my Consumer report. The items that were added without my authorization are inquires. I will list the inquires below as well as attach photos of the inquires with this complaint XXXX XXXX XXXX  on XX/XX/year> XXXX XXXX VIA DEALER on XX/XX/year> XXXX XXXXL on XX/XX/year> XXXX XXXX XXXX on XX/XX/year> XXXX XXXX XXXX  on XX/XX/year> XXXX XXXX on XX/XX/year> XXXX XXXX XXXX on XX/XX/year> XXXX XXXX on XX/XX/year> XXXX XXXX XXXX on XX/XX/year> XXXX XXXX XXXX on XX/XX/year> XXXX XXXX XXXX on XX/XX/year> ALL of the above inquires that are being reported on XXXX XXXX XXXX XXXX consumer profile by XXXX, TRANSUNION, and XXXX were not authorized by XXXX XXXX XXXX XXXX XXXX I do NOT consent to these items being added to my consumer report. I demand these items be removed immediately If XXXX XXXX XXXX XXXX claims that he did not authorize the above items the FCRA states that the credit reporting agencies XXXX, TRANSUNION, and XXXX must remove them. 

15 U.S. Code 1681b - Permissible purposes of consumer reports Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( XXXX ) In accordance with the written instructions of the consumer to whom it relates. 
They need your written consent to add anything to your consumer report if you did not give this authorization that is a violation of the Fair Credit Reporting Act P.L 90-321 ( 82 Stat. 146 ) which is law law that backes the code is even stricter as it states that any agency can only get your report in response to a request by the head of a State or local child support enforcement agency ( or a State or local government official authorized by the head of such an agency ) 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports Except as authorized under subsection ( b ), 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. 
No adverse item besides the conviction of crimes should be on your report any item that is a derogatory mark is not allowed into consumer reports this is another violation 12 CFR 1022.3 Definitions Identity theft means a fraud committed or attempted using the identifying information of another person without authority. 
Anything added to your report without your written consent could be considered Identity theft I am demanding that the unauthorized items be removed from my consumer report
Consumer complaint received 2024-07-15
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I have been receiving emails statement about the card. Try to access the account for the balance forgot password and called Bank of America XXXX XXXX XXXXXXXX XXXX XXXX. Was told I couldn't have the info unless the party who gave me the prepaid card contact them with my info. I'm confused, if I'm receiving email about the statements they must have my information. The card was give to me to pay my expenses for XXXX XXXX purposes.
Consumer complaint received 2024-07-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (AZ)

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 2024-07-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (UT)

My credit score dropped XXXX points XX/XX/XXXX. No one can explain it. 
I have never missed a payment in XXXX years. I have not had a house payment since XXXX or a car payment since XXXX. XXXX staying out of debt makes your score go down and makes you a bad credit risk??? I used XXXX different credit cards each month and pay them off each month. Equifax does not even report that. they are poorly run and don't care unless they are selling you something.
Consumer complaint received 2024-07-12
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 am writing to formally dispute the presence of fraudulent information on my credit report. Upon reviewing my report, I discovered account that is not mine and is the result of identity theft. This fraudulent account has already been deleted from the records of other credit bureaus, highlighting the discrepancy in your reporting. I have contacted the bank associated with this account via phone call, and they have confirmed that the account was fraudulent and has removed it from their records. Despite submitting the required FTC report, the account continues to appear on my credit report with your bureau. 

XXXX XXXXXXXX
Consumer complaint received 2024-07-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I got my identity stolen in XXXX of XXXX I first realized when my XXXX XXXX account password was changed and they XXXX themselves two transactions totaling {$700.00}. I filed a claim with wells fargo at that time and got the money back. a couple months later credit cards began arriving in the mail which i did not apply for. This has resulted in 5 total hard inquiries ( via XXXX  ) on my credit report all of which are not from me and have negatively affected my credit. I would like these hard inquiries to be wiped and investigated for fraud/identity theft.
Consumer complaint received 2024-07-15
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)

I have called and talked to XXXX and I have asked them to remove some hard inquiries off of my credit report because they were identity theft they are from XX/XX/XXXX through XX/XX/XXXX I have made a police report. I have constantly been asking XXXX to remove these hard inquiries now Im stepping in and coming to you guys. I am a victim of identity theft.
Consumer complaint received 2024-07-15
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)

I have called and talked to XXXX XXXX and I have asked them to remove some hard inquiries off of my credit report because they were identity theft they are from XX/XX/XXXX through XX/XX/XXXX I have made a police report. I have constantly been asking XXXX XXXX to remove these hard inquiries now Im stepping in and coming to you guys. I am a victim of identity theft.
Consumer complaint received 2024-07-15
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: EQUIFAX, INC. (TN)

RE : TRAFFICKING BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of trafficking. The information listed below, that is currently listed on my credit report is a result of that trafficking. Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF TRAFFICKING IN PERSONS. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. CFPB-XXXX XXXX XXXX XXXX  PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF HUMAN TRAFFICKING ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TO THIS MATTER!!
Consumer complaint received 2023-10-02
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)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2024-07-12
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)

As a federally protected consumer I'm seeking proof of the alleged debt, under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. In a good faith effort to resolve this matter amicably, I demand proof of the debt, specifically the alleged contract or other instrument bearing my signature in wet ink, as well as proof of your authority in this matter. Absent such proof, you must terminate this collection action and correct any erroneous reports of this debt as mine. For the record, I state again that as I have no account with you, nor am I your customer, nor have I entered into a contract with you, I must ask for the following information : Account Name : XXXX XXXX XXXXXXXX Please provide proof of the alleged debt, including specifically the alleged contract or other instrument bearing my wet signature. 

You have 7 days of this notice to respond. Your failure to respond, on point, in writing, hand signed, and in a timely manner, will work as a waiver to any and all of your claims in this matter, and will entitle me to presume that you sent your letter in error, and that this matter is permanently closed. Your continued silence is unacceptable. Either provide the proof or correct the record to remove the invalid debt from my credit files with the three primary credit-reporting agencies.
Consumer complaint received 2024-07-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

This complaint is in regards to the consumer report belonging to XXXX XXXX XXXX XXXX. I have notified XXXX of this matter by phone and was hung up on by an agent of XXXX. There are inaccurate phone numbers and employers being reported to XXXX XXXX XXXX XXXX consumer report. The employers XXXX and XXXX XXXX is inaccurate information being reported to XXXX XXXX XXXX XXXX consumer report. I did not receive income from these companies and I was not employed by neither XXXX or XXXX XXXX. The phone numbers XXXX and XXXX are not my current or past phone numbers. This information being reported to my consumer report is inaccurate. These addresses and phone numbers I have included in this complaint is not mines. I did not authorize these employers or phone numbers to be added to my consumer report The FCRA states that credit reporting agencies need my authorization to add anything to XXXX XXXX XXXX XXXX consumer report. 15 U.S. Code 1681b - Permissible purposes of consumer reports Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
They need your written consent to add anything to your consumer report if you did not give this authorization that is a violation of the Fair Credit Reporting Act P.L 90-321 ( 82 Stat. 146 ) which is law law that backes the code is even stricter as it states that any agency can only get your report in response to a request by the head of a State or local child support enforcement agency ( or a State or local government official authorized by the head of such an agency ) I have stated earlier in this notice that these employers and phone numbers are not mines. 
12 CFR 1022.3 Definitions Identity theft means a fraud committed or attempted using the identifying information of another person without authority. 
Anything added to your report without your written consent or authority could be considered Identity theft I am demanding that the credit reporting agencies XXXX, TRANSUNION, and XXXX remove these inaccurate employers ( XXXX and XXXX ) and phone numbers ( XXXX and XXXX )
Consumer complaint received 2024-07-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

THE FOLLOWING INQUIRIES ARE FRAUDULENT AND NEEDS TO BE REMOVED:  

XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX