davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-26
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. (MD)

To Whom It May Concern, I am writing to express my disappointment and frustration regarding the deletion or blocking of accounts on my consumer credit report, as a result of a data breach or unauthorized inquiries. These actions appear to violate my consumer rights, as outlined in FCRA Section 605B and FCRA Section 604. I request verifiable proof with my signature/electronic signature to address this matter promptly. I have reached out to the companies responsible and have not received satisfactory validation or original proof for these actions, further compounding my concerns. This issue must be resolved by the Fair Credit Reporting Act. 

Listed below are the Inquiries that are being challenged : XXXX  - XX/XX/year> I did not authorize this inquiry. - This item does not belong to me. I request that you remove this inaccuracy from my credit report. 

XXXX XXXX - XX/XX/year> I did not authorize this inquiry. - This item does not belong to me. I request that you remove this inaccuracy from my credit report. 

XXXX XXXX  - XX/XX/year> I did not authorize this inquiry. - This item does not belong to me. I request that you remove this inaccuracy from my credit report. 

XXXX - XX/XX/year> I did not authorize this inquiry. - This item does not belong to me. I request that you remove this inaccuracy from my credit report. 

XXXX XXXX  - XX/XX/year> I did not authorize this inquiry. - This item does not belong to me. I request that you remove this inaccuracy from my credit report. 

XXXX XXXX  - XX/XX/year> I did not authorize this inquiry. - This item does not belong to me. I request that you remove this inaccuracy from my credit report. 

XXXX XXXX  - XX/XX/year> I did not authorize this inquiry. - This item does not belong to me. I request that you remove this inaccuracy from my credit report. 

XXXX XXXX  - XX/XX/year> I did not authorize this inquiry. - This item does not belong to me. I request that you remove this inaccuracy from my credit report. 

XXXX XXXX  - XX/XX/year> I did not authorize this inquiry. - This item does not belong to me. I request that you remove this inaccuracy from my credit report. 

XXXX XXXX  - XX/XX/year> I did not authorize this inquiry. - This item does not belong to me. I request that you remove this inaccuracy from my credit report. 

XXXX XXXX  - XX/XX/year> I did not authorize this inquiry. - This item does not belong to me. I request that you remove this inaccuracy from my credit report.
Consumer complaint received 2024-09-03
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: Experian Information Solutions Inc. (AK)

I lodged a complaint against these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. Surprisingly, I haven't received any response or correspondence from the Bureaus, and they have already closed my complaint. Could you please explain why they closed my complaint without resolving the issue? Have they even acknowledged or verified my dispute? I need assurance that they have thoroughly checked the inaccuracies on my report and validated the accounts. Can you provide details about the methods they used to verify my report? This situation is incredibly frustrating! It has been more than 30 days since I filed the complaint, and I expected these accounts to be updated by now. If they are not updated immediately, I will have no other option but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.
Consumer complaint received 2024-09-26
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)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2024-09-03
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. (FL)

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 

XXXX XXXX Balance : {$0.00}
Consumer complaint received 2024-09-03
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. (CA)

XXXX XXXX XX/XX/year> XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (FL)

The List of account which is a bankruptcy below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

Date Reference Number Status Court Liability Exempt Amount Asset Amount XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX I looked at my Equifax credit report on XX/XX/XXXX 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 general lf, 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. 

and according to XXXX XXXX XXXX they are suppose to 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 2024-07-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (AL)

I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.
Consumer complaint received 2024-09-11
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. (FL)

It was incredibly disappointing to discover unauthorized inquiries on my credit report earlier today, and I am at a complete loss as to why theyre there. I double-checked, thinking it might be a browser error, but that didnt resolve the issue. I'm asking that my documents be thoroughly reviewed so this situation can be handled once and for all.
Consumer complaint received 2024-09-23
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. (IL)

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 2024-10-28
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: Regional Management Corporation (TX)

The derogatory rating on my account has directly resulted in loan denials and increased interest rates across my credit accounts. This rating must be deleted and blocked from all three consumer reporting agencies immediately, as required by law.
Consumer complaint received 2024-09-23
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.
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: Experian Information Solutions Inc. (AL)

I am writing to formally lodge a complaint concerning inquiries on my credit report that I neither recognized nor consented to. These unauthorized inquiries are not only concerning but also damaging to my financial reputation. It has come to my attention that certain inquiries have been made on my credit report without my consent or knowledge. I want to emphasize that I have no association with these inquiries and have never authorized any entity to access my credit information in this manner.
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: Experian Information Solutions Inc. (IL)

To whom it may concern, Im writing you to inform you that you unlawfully reported fraudulent accounts that arose from IDENTITY THEFT that you did not verify as required by the law on my consumer report. 15 USC 1681b ( c ) furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) information regarding inquiries. Except as provided in section 1681g ( a ) ( 5 ) of this title a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer The following account listed below are a result of identity theft and was not initiated by me I demand that they are deleted immediately My identity has been stolen you are hearby put on notice Whoever during and in relation to any felony violation enumerated in subsection ( c ) Knowingly transfers, possession or uses without lawful authority a means of identification of another person shall in addition to the punishment provided for such felony be sentenced to a term of impressment of 2 years An identification of me has been used without my permission to open serval accounts that have damaged my reputation and damaged my mode of living because you furnished a consumer report without my written permission as stated by federal law 15 USC 1681b permissible purpose of consumer reports In General 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 You have aided this fraud by not verfiying these accounts Congress States 15 USC 1681 Fair Credit Reporting Act ( a ) Accuracy and fairness of credit reports ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality and a respect for the consumers right to privacy that XXXXXXXX XXXX AND XXXX, XXXXXXXX XXXX XXXX, and XXXX XXXX XXXX XXXXXXXXXXXX XXXX Credit Pursuant 15 U.S code 1681c-2 Block of information resulting from identity theft Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of 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 by such agency 1 proof of identity of consumer 2 a copy of identity theft report 3 the identification of such information by the consumer and 4 a statement by the consumer that the information is not information relating to any transaction by the consumer have attached all the relevant documents pursuant the above section of the law I demand all the above fraudulent accounts DELETED immediately
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am writing to formally dispute the reporting of several late payments on my credit report. 
The following accounts are inaccurately reflecting late payments, which were, in fact, paid on time : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Under the provisions of 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( A ), furnishers of information are obligated to provide accurate information to consumer reporting agencies. It is unlawful to report late payments when, in reality, those payments were made on time.

Additionally, according to 15 U.S. Code 1681a 2 ( A ) ( i ), a " consumer report '' should not include information solely related to transactions or experiences between the consumer and the person making the report unless otherwise provided for under specific exceptions. 
The late payments reported on the accounts listed above are inaccurate and should not be included in my credit report. 
I request that you promptly investigate and correct these inaccuracies by removing the erroneous late payment entries from my credit report. I trust that you will update my credit report to reflect my actual payment history, as required by law.
Consumer complaint received 2024-09-04
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)

Experian dropped my XXXX XXXX XXXX points because I paid a credit card balance down. When you pay off debt your score is not supposed ot be dropped down. It's supposed to improve. I'm guessing the same stock holder own this bureau that own transunion. Which has been doing the same illegal non sense for excerising my rights to report false credit reporting. Now they are doing it to my experian profile. You all need reformation.
Consumer complaint received 2024-09-03
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. (OH)

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

On XX/XX/year> I reviewed my credit report from Experian and I noticed that they fail to adhere to my request both that have been written and certified through mail as well phone calls about the incorrect personal information that is on credit report in which the information is tied to identity theft. In ongoing attempts to get this information removed Experian has bluntly ignored my request and documentation. 
Per XXXX5 USC 1692 c 15 USC 1629 b 15 USC 1681c-2 I do not consent of the inaccurate information listed below. 
Name 's : XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX 's : ( XXXX ) XXXX XXXX XXXX XXXX, Ca XXXX Address ID # XXXX Address ID # XXXX, Address ID # XXXX ( XXXX ) XXXX XXXX  Ct XXXX, CA XXXX Address ID # XXXX ( XXXX ) XXXX XXXX XXXX XXXX, CA XXXX Address ID # XXXX Phone Numbers : XXXX XXXX XXXX, XXXX XXXX XXXX
Consumer complaint received 2024-09-25
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. (CT)

PLEASE REMOVE FRAUDULENT Accounts and XXXX increase off my credit profile from XXXX XXXX and Trans Union immediately! 

XXXXXXXX XXXX  XXXX XXXX XXXX
Consumer complaint received 2024-09-25
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. (GA)

I always make my payments on time, so I dont understand why this company is marking me late on some months. Under USC 1666b, billing mistakes should be fixed, and my account should show " paid as agreed. ''
Consumer complaint received 2023-04-24
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

An unknown collection account was reported to my Experian credit file for {$1100.00} and I have disputed the information online. Recently, I mailed a Debt Validation Dispute Letter to the collection agency certified mail, and it was received by the agency on XX/XX/. Experian will not update the account status on my credit file as being in the dispute process. Therefore, the collection is still reporting as current and late each month. This is a violation of the Fair Credit Reporting Act. I have contacted Experian, and they claim that the collection account is no longer on my credit file. However, when I log onto my Experian account, my credit file still shows the collection and once again, Experian have not placed this account in dispute status. In addition, once an account is in collections, it is a violation of the Fair Credit Reporting Act for the account to still be reporting as late and current each month.
Consumer complaint received 2024-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

THESE ARE GIVING ME STRESS THESE ARE NOT CORRECT I WAS NEVER LATE IN TERMS OF PAYMENT IN THESE ACCOUNTS XXXXXXXX XXXX XXXXXXXX XXXX {$580.00}
Consumer complaint received 2024-09-23
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)

FTC REPORT PERSONAL STATEMENT : I am filing this FTC Identity Theft Affidavit to report due to fraudulent accounts that show on my consumer XXXX credit report which I do not recognize as reported and which result from identity theft and fraud. I demand that the previously mentioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease according to my rights within the FCRA and FDCPA laws. This is preventing me from being able to get approved for my home loan and I am in disbelief. 


CFPB PERSONAL STATEMENT : This CFPB complaint has been filed to request under FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block and remove 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 few Personal credit card accounts. 
ACCOUNT NAME : Ally Financial DATE OPENED : XX/XX/XXXX ACCOUNT NAME : XXXX XXXX XXXX DATE OPENED : XX/XX/XXXX ACCOUNT NAME : XXXX XXXX DATE OPENED : XX/XX/XXXX ACCOUNT NAME : XXXX XXXX DATE OPENED : XX/XX/XXXX ACCOUNT NAME : XXXX XXXX DATE OPENED : XX/XX/XXXX ACCOUNT NAME : XXXX XXXX DATE OPENED : XX/XX/XXXX ACCOUNT NAME : XXXX XXXX DATE OPENED : XX/XX/XXXX ACCOUNT NAME : XXXX XXXX DATE OPENED : XX/XX/XXXX ACCOUNT NAME : XXXX XXXX DATE OPENED : XX/XX/XXXX ACCOUNT NAME : XXXX XXXX DATE OPENED : XX/XX/XXXX ACCOUNT NAME : XXXX XXXX DATE OPENED : XX/XX/XXXX ACCOUNT NAME : XXXX XXXX DATE OPENED : XX/XX/XXXX ACCOUNT NAME : XXXX XXXX XXXX  DATE OPENED : XX/XX/XXXX ACCOUNT NAME : XXXX XXXX DATE OPENED : XX/XX/XXXX ACCOUNT NAME : XXXX XXXX DATE OPENED : XX/XX/XXXX ACCOUNT NAME : XXXX XXXX XXXX DATE OPENED : XX/XX/XXXX ACCOUNT NAME : CXXXX XXXX  DATE OPENED : XX/XX/XXXX ACCOUNT NAME : XXXX XXXX DATE OPENED : XX/XX/XXXX ACCOUNT NAME : XXXXXXXX XXXX DATE OPENED : XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and collections appearing on my consumer XXXX credit report, leaving me with so much stress. I demand that the previously mentioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease according to my rights within the FCRA and FDCPA laws. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all previous consumer credit accounts, collections, and hard inquiries result from identity theft and fraud.