davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (PA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Dispute of Inaccurate Late Payment Entry To Whom It May Concern, I am writing to formally dispute an inaccurate late payment entry reported on my credit file. My personal details are as follows : Name : 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 This information is erroneous and violates my rights under the Fair Credit Reporting Act ( 15 USC 1666b ), which protects consumers from inaccurate reporting. 
I have thoroughly reviewed my records and can confirm that the payment in question was made on time. I demand a prompt investigation into this matter, as I am entitled to accurate reporting under federal law. It is unacceptable that such misinformation could adversely affect my creditworthiness. 
I expect your investigation to be completed within the next 4 business days. Failure to address this dispute promptly will leave me no choice but to escalate the matter to the Consumer Financial Protection Bureau ( CFPB ) and consider further legal action. 
Please find attached copies of relevant documentation supporting my claim. I expect a written confirmation of your findings and a complete update of my credit report upon resolution of this matter. 
Thank you for your immediate attention to this serious issue. 
Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I tried the automated line for XXXX and Transunion, and I was denied my credit report. I called XXXX and answered " none of the above '' on XXXX of the questions, and it said I was denied. I tried XXXX more times and was denied each time. Then, I called Transunion and it was the same. I called XXXX first, and they are sending me a credit report. I need to get all of the XXXX credit reports to check my credit, since there was a 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: Experian Information Solutions Inc. (FL)

Re-examination of my Consumer credit reports, shows that the CBA still list inaccurate, and false information, violating my rights within the FCRA and FDCPA laws. Under FCRA 605B ( 15 U.S.C. 1681c-2 ) I request that CBA, inclusive the XXXX, XXXX and Experian, credit reporting agencies, block information appearing on my consumer credit reports that is the result of identity theft and fraud within 4 business days of you receiving this complaint. Here are Unverified fraudulent accounts, without FULL DISCLOSURE, consist of a personal loan or credit cards account opened at : XXXX. XXXX XXXX on XX/XX/XXXX as ac/t number ends in : XXXX for XXXX XXXX XXXX XXXX XXXX. XXXX XXXX on XX/XX/XXXX ac/t number ends in : XXXX for XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX was aggressively promoted via Experian w/deceptive ads, issued on XX/XX/XXXX, & No FULL DISCLOSURE! Before a single transaction, they sent a statement for $ XXXX, just to have the card opened? 
XXXX XXXX XXXX XXXX used two personal loan applications in processing a personal loan, aggresively promoted by XXXX XXXX, to maximize their enriching-amounts from the Social Security XXXX XXXX XXXX XXXX XXXX XXXX XXXX or all derivations thereof, whether maintained by Experian, XXXX, XXXX, XXXX XXXXXXXX XXXX XXXX or any other credit reporting agency ; XXXX Credit report on XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX applications were completed & processed to maximize their enriching-themselves from the Social Security XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX derivations thereof, but refused to open an ac/t upon XXXX the XXXX or all XXXX  ; These accounts have resulted in several fraudulent hard inquiries and fraudulent late payments appearing on my consumer FICO-score credit reports maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. I've managed to dispute a few of the hard inquiries in question but not all. I filed re-Disputes on false and incorrect information that CBA just give me a run around, which now is magnified by use of the AI. Fraud kills all contracts, inclusive using fabricated evidence or a lock of FULL DISCLOSURE. UCC 3-603 ; If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument and the tender is refused, there is discharge, to the extent of the amount of the tender ... All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint number XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2024-09-15
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. (GA)

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving the complaint. This fraudulent, inaccurate, and false information consists of a mobile account open on XX/XX/XXXX to XXXX, a XXXX XXXX account open on XX/XX/XXXX and an unknown line of credit for XXXX XXXX last reported on XX/XX/XXXX These accounts and other personal information that was used resulted in several fraudulent hard inquiries on my credit profile. I've attached a list of the fraudulent inquiries in questioned " I have went through all of my credit reports to identify the unknown activity. The aforementioned accounts, collections, and hard inquiries appearing were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the results from the identity theft and fraud. I have attached a copy of the FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2024-10-08
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. (NY)

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2024-09-15
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to request an investigation of the following information that appears on my Credit Reports. I have NEVER opened or used the following account name : XXXX XXXX XXXX Account number : XXXX Account open : XX/XX/year>. I dont recognize the following accounts in question. Im a victim of identity theft and I dont know this account on my report. Im requesting the following information be deleted from my Credit reports immediately.
Consumer complaint received 2024-09-13
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. (NY)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2024-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

15 U.S.C 1681 section 602 A. state have the rights to privacy. account : XXXX XXXX XXXX/ AMOUNT XXXX $ ACCOUNT XXXX 15 U.S.C 1681 section 604 a section 2 : it also states a consumer reporting agency can not funish an account without my written instruction. 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 items of information other then records of conviction of crimes which antedates the reports more then 7 years. 15 U.S.C 1681s-2 ( a ) ( 5 ) 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 2024-09-15
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. (MS)

As per 15usc 1611 XXXX TransUnion and XXXX is criminally obligated. They are affably obligated for twofold the measure of the money charge as per 15 usc 1640. Furthermore, they are at risk for each fdcpa infringemen
t as per usc 1692k. Im requesting they eliminate this supposed obligation from my shopper reports, transmit installments to me for infringement. A supposed obligation being outfitted on your credit report is an infringement o
f 15 usc 16922b. ( 2 ) it is likewise publicizing to certain installment. Which is illicit. Im requesting that you eliminate these Transactions from my report promptly as they are an infringement of my privileges as a governmentally protected purchaser under title 15 section 41. Concerning the records recorded underneath as a customer XXXX requesting a cancellation of these records. XXXX Consumer Financial Protection Bureau. XXXX XXXX XXXX XXXX. XXXX Better Business Bureau. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX Comptroller of the Currency. XXXX Federal Reserve XXXX. XXXX XXXX and XXXX. XXXX Federal Trade Commission. XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-31
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. (PA)

On XX/XX/scrub>XXXX XXXX, 2024, I filed a complaint against TransUnion, accompanied by an Identity Theft Affidavit. TransUnion responded with a letter that failed to adequately address my complaint. According to 15 USC 1681 c-2 ( FCRA section 605B ), TransUnion had XXXX days to resolve the issue, which they did not. This is my final attempt to rectify the situation before seeking legal counsel. Enclosed are the original complaint, TransUnion 's response letter, the Identity Theft Affidavit, and proof of identity.
Consumer complaint received 2024-07-31
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. (VA)

I have noticed unauthorized inquiries on my credit report that I do not recognize and would like to have them removed. 

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 2024-07-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am filing to formally lodge a complaint against XXXX regarding an erroneous account on my credit report. This complaint is made due to violations of my rights under the Fair Credit Reporting Act ( FCRA ). I have discovered that the above-mentioned account is being reported inaccurately on my credit reports from the major credit reporting agencies. This incorrect reporting has negatively impacted my credit score and caused me significant distress.
Consumer complaint received 2024-09-16
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. (FL)

I am writing to formally dispute the presence of unauthorized and inaccurate accounts and inquiries on my credit report, which I received on [ Date of Credit Report ]. After a careful review, I have identified multiple accounts and credit inquiries that I did not initiate, authorize, or recognize. These entries appear to have been added to my credit report in error or as a result of fraudulent activity.The inclusion of these erroneous items has unfairly impacted my credit score and overall financial standing. This matter is causing significant concern, as my credit history is being unjustly damaged by information that is neither accurate nor reflective of my true financial activities.
Consumer complaint received 2024-07-30
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. (GA)

someone has been trying to purchase a car in my name. its XXXX inquiries on my credit report that i didnt authorize. XXXX also a victim of XXXX data breach and XXXX is the worst to remove these inquiries. i have sent documents for over 6 months and they refuse to remove these item.
Consumer complaint received 2024-10-14
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. (FL)

I was notified thru Credit Karma of a numerous amount of inquiries on my credit report upon checking my credit I realized that I did not make these inquiries as I already have accounts with with XXXX XXXXXXXX and XXXX XXXX.
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Resurgent Capital Services L.P. (PA)

This is a formal complaint letter concerning inaccuracies and discrepancies I have found in my credit report. I Have recently pulled my credit report having negative and inaccurate information has affected me trying to buy a house. I have disputed with XXXX and mailed all the companies disputes and validation letters of all my accounts, it has been 14 days since I mailed the request. 
1. LVNV funding LLC Debt Buyer Collection {$3100.00} = XX/XX/XXXX XXXX. XXXX XXXX XXXX - Debt Buyer Collection {$2200.00} = XX/XX/XXXX XXXX. XXXX XXXX  Account Charged Off {$1400.00} XX/XX/XXXX XXXX. XXXX Account Charged Off {$730.00} = XX/XX/XXXX XXXX. XXXX XXXX  - Account Charged Off {$2500.00} = XX/XX/XXXX XXXX. XXXX XXXX, XXXX Account Charged Off {$810.00} = XX/XX/XXXX XXXX. XXXX XXXX, XXXX Account Charged Off {$860.00} XXXX XXXX. XXXX Paid Account Closed {$0.00} = XX/XX/XXXX XXXX. XXXX XXXX Account Closed {$0.00} XXXX XXXX. XXXX XXXX Account Close {$0.00} XXXX XXXX. XXXX XXXXPaid Account Closed {$0.00} = XX/XX/XXXX XXXX. XXXX Paid Account Closed {$0.00} XXXX XXXX. XXXX Open Account {$640.00} = XX/XX/XXXX
Consumer complaint received 2024-09-15
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)

XXXX XXXX ssn XXXX dob XX/XX/XXXX. this cfpb complaint has been filed to request pursuant to FCRA 605b ( 15 u.s.c 1681c-2 ) that you XXXX reporting agency block information appearing on my consumer report that is the result of identity theft and fraud within 4 business days of receiving this complaint. this fraudulent, inaccurate information, consists of a car loan from " XXXX XXXX {$13000.00} '' opened on XX/XX/XXXX. 

A credit card XXXX XXXX  {$2700.00} opened on XX/XX/XXXX a personal loan from XXXX XXXX XXXX {$19000.00} opened on XX/XX/XXXX a personal loan from XXXX XXXX {$8500.00} a personal loan from XXXX XXXX  {$7500.00} I do not recognize the aforementioned account or collection account. this account that is reported by XXXX was not made, initiated or opened by me. the aforementioned account is a result of identity theft and fraud. I have attached a copy of my FTC identity theft criminal complaint # XXXX, that proof from the FTC that this account is fraud.
Consumer complaint received 2024-07-22
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 was a victim of identity theft and I am currently in distress and suffering from anxiety because of this. I am seeking help on my situation where my credit report reflects an outstanding debt that I know was caused by fraud. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft.
Consumer complaint received 2024-09-15
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. (WI)

Please see attached. 

XXXX is in violation of my consumer rights by an unauthorized reporting of a late payment to my consumer report. I have attached a supporting document citing FCRA law USC 1681b- Permissible purpose of consumer reports. I have reached out several times to XXXX to resolve this and they refuse to adhere to my consumer rights. I would like for XXXX to honor and demonstrate their commitment to the law by granting my request and removing the late payment from my consumer report. I work very hard to improve and maintain my overall credit history and demonstrate my consistency of being a credit worthy borrower. I do not appreciate that history being jeopardized and having my consumer rights violated.
Consumer complaint received 2024-09-15
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. (TX)

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 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 2024-07-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

I am writing to formally request the removal of several accounts and inquiries from my credit report. These accounts and inquiries are unauthorized and does not belong to me. The presence of data breach has negatively impacted my credit standing, leading to a significant drop in my XXXX score. 

Upon reviewing my credit report, I discovered multiple accounts and inquiries that I did not recognize or authorize. These inacurrate information in my report have resulted in negative remarks that are adversely affecting my credit score and financial reputation.
Consumer complaint received 2024-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I am writing to dispute inaccurate information currently appearing on my credit report regarding several accounts that continue to be erroneously reported as linked to a bankruptcy, which has been removed from my credit history. This is in violation of 15 U.S. Code 1681e ( b ), which requires credit reporting agencies to follow reasonable procedures to ensure maximum accuracy of the information they maintain. 

Affected Accounts : XXXX CARD - Account # XXXXXXXX XXXX - Account # XXXX XXXX - Account # XXXX XXXX - Account # XXXX XXXX - Account # XXXX Since these accounts are incorrectly linked to a bankruptcy that has already been removed from my credit report, I am requesting their immediate removal to ensure the accuracy of my credit history, as required by 15 U.S. Code 1681e ( b ).