davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: MRS BPO, LLC (CO)

On XXXX XX/XX/XXXX XXXX XXXX initiated a collection action using the collection agency Mrs BPO to collect from me {$890.00} for purchase of an XXXX XXXX. I never made this purchase. On XX/XX/XXXX I contacted a local XXXX XXXX XXXX  branch in XXXX CO to help me understand what this matter was about. I learned the following from the XXXX XXXX XXXX agent : That someone using my name and social security number had made the purchase from XXXX XXXX XXXX. That the address that person gave to XXXX XXXX was XXXX XXXX XXXX, XXXX TX XXXX. That the XXXX  XXXX purchased has an IMEI identification # XXXX. The XXXX XXXX XXXX agent connected me with the XXXX XXXX XXXX fraud department who committed to withdrawing the collection request from Mrs BPO collection company and to investigate the case as fraud. The XXXX XXXX XXXX XXXX fraud department agent told me they would advise me of the results of their investigation within 30 days. As of today, XXXX XX/XX/XXXX, I have not received any communication from XXXX XXXX XXXX. I am filing this report at the suggestion of an XXXX Corporation agent with whom I spoke today, XXXX XXXX XXXX I want my credit report with the three major credit reporting companies restored to an Excellent rating and any adverse credit report removed from their database.
Consumer complaint received 2024-09-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (CA)

I been having a fraud alert on my experian credit report for a while. Due to many fraudulent accounts that been open in my name. Here are the accounts that do not belong to me. XXXX # XXXX, XXXX  XXXX # XXXX, XXXX  XXXX # XXXX, XXXX XXXX  # XXXX, XXXX XXXX  XXXX XXXX XXXX, XXXX # XXXX, XXXX  XXXX # XXXX XXXX XXXXXXXX XXXX XXXX # XXXX XXXX XXXXXXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX.
Consumer complaint received 2024-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

It is disheartening to know that my rights as a consumer is being violated. I value my credit score a lot the same as everyone else 's and the inaccuracies in my credit report has negatively affected both my financial opportunities as well as my mental health. I've been trying to fix this for some time and my requests kept getting ignored and/or disregarded to rectify these issues and my concerns regarding the inaccuracies in my credit report.
Consumer complaint received 2024-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.
Consumer complaint received 2023-04-19
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (CA)

Dear CFPB Team, I am writing to you in regards to the permanent limitation that was recently placed on my PayPal account XXXX. I believe that this limitation was placed on my account due to a mistake, and I would like to submit a complaint to appeal this decision. 

Firstly, I would like to state that I have not violated any PayPal policies. I have always used my PayPal account in a responsible manner and have never engaged in any fraudulent or illegal activities. Therefore, I strongly believe that the limitation placed on my account is unjustified. 

Secondly, I would like to request that PayPal re-investigates my case and reviews the information provided during the initial investigation. I believe that upon review, it will become clear that there has been a mistake in the decision to permanently limit my account. I am confident that upon further review, my account will be reinstated. 

Finally, I would like to express my sincere concern about the inconvenience caused by the limitation of my account. As a long-standing PayPal user, I have always found this platform to be reliable and user-friendly. I hope that PayPal will take into consideration the impact this decision has on my ability to conduct my financial affairs and will rectify the situation as soon as possible. 

Thank you for taking the time to consider my appeal. I look forward to hearing back from you soon. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-09-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

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 2024-08-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I want to emphasize that I have no affiliation with these creditors, and I did not initiate this inquiry on my credit report. I urgently urge you to promptly remove it without any further delay. I also request a thorough investigation into this matter and swift correction of the error by removing the unauthorized inquiry from my credit report. Your prompt attention to this issue is deeply appreciated.
Consumer complaint received 2024-08-02
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: AUSSRQ Holdings, LLC (NJ)

I've noticed Top Line Reporting rental agreement on my report, account number XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX NY XXXX or XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX NY XXXX ( XXXX ) XXXX which looks like it was opened in XXXX of XXXX. This was the time I rented an apartment from a rental company. I've never was informed of this company, I've never signed up for this company, I did not opt in to anything nor have a wet signature for XXXX XXXX. My rental company must have sold my information, opened an account without my knowledge nor consent. I was not aware of XXXX. How did they have a direct relationship with me? Where did they get my direct information from? This is a cause of Identity Theft.
Consumer complaint received 2024-10-11
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: Cascade CISS Holdings, LLC (TX)

There are inquiries on my credit reports from mortgage companies that I did not authorize. I do not have an account with these companies and did not authorize them to obtain my credit credit report for any use.
Consumer complaint received 2023-10-05
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: Albert Corporation (NY)

I opened an account with a money management bank account in an app called Albert. I recently got a new debit card from my bank I linked to Albert and all of a sudden it UNLINKED my bank. They told me to relink my account as well as my new debit card. I performed this on XX/XX/XXXX. It is now XX/XX/XXXX and it's still giving me an issue. So I decided I want to close my Albert account. According to them to do that I need to withdraw all the money that I have saved in that account so that it can be XXXX. I have done this but there's still a {$1.00} left in my account. On Albert. However upon checking my bank I've noticed that Albert did indeed actually deposit the money into my account but it's still showing up on Albert that I have a positive balance of a dollar XXXX. Not only that but it's still not connecting my bank account so that I can withdraw the funds. They have been absolutely no help at all I find it very odd and quite disparaging that one little change I made to my account cause them to completely unlink my bank account and is making it ridiculously difficult to really get back. I am beyond upset and disgusted with this company I do not want to do business with them anymore but they are refusing to close the accounts let alone their system is just not accepting information that is credible in regards to relinking my checking account from which my income comes from. It's has been a very frustrating and unprofessional experience I've had with them and I do not want to ever do business with them ever again but for whatever reason there are refusing to close my account.
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (AZ)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX  **** Balanced : {$0.00}
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (TX)

I found out that I have an extended fraud alert on all three credit bureaus And Experian will not respond back to me. 

I urgently need all three credit bureaus available with no fraud alert, especially Experian As nobody seems to be able to get in touch.
Consumer complaint received 2024-09-04
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. (GA)

In accordance with the Fair Credit Reporting Act 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 XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2024-09-26
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 would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this item that does not belong to me which is reported erroneously. I am in desperate need of this item to be INSPECTED and REMOVEDXXXX 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 XXXXXX/XX/XXXX
Consumer complaint received 2024-09-16
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)

XXXX XXXX XXXX XXXX XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 USC 1681C-2 ) that you, XXXX CREDIT REPORTING AGENCY, block information Appearing on my consumer credit report that is the result of identity theft and fraud within four business days of you receiving this complaint. This fraudulent, inaccurate and false information consists of a personal credit card account Opened on XXXX XXXX at XXXX XXXX Under the account number below, and auto loan account opened at XXXX XXXX XXXX XXXX on XX/XX/year> below. A personal loan account opened at XXXX XXXX XXXX  on XX/XX/year> under account # below and a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX, XXXX that appears related to the aforementioned personal loan account opened 1. Validate Account XXXX XXXX  XXXX Remove 2.Validate Account XXXX XXXX XXXX Remove 3. Validate Account XXXX XXXX Remove 4. Validate Account XXXX XXXX XXXX XXXX Remove ReMOVE 5. Validate Account XXXX XXXX  XXXX Remove These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my FICO Credit Report I've attached a list of the hard inquiries in question, as well as a copy of the consumer FICO credit report maintained by you, which shows the aforementioned. Fraudulent Items I do not recognize the aforementioned accounts, collections, or hard inquiries. As reported the aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you. Were not opened, made, or initiated by me. 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 private case number. 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. 


What would be a fair resolution complaint. I request that all written confirmation regarding this CFPB complaint be sent to me via email to the email address : XXXX XXXX
Consumer complaint received 2024-08-24
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. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : 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 2024-08-24
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. (CA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the informationisinaccurate.
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NJ)

I am writing to follow up on my previous dispute regarding the inaccurate and invalid negative items listed on my credit report. These items are causing significant harm to my credit score and must be addressed immediately under the Fair Credit Reporting Act ( FCRA ).
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (PA)

This is very alarming and concerning, there are unfamiliar inquiries on my credit report. I didn't authorize or consent to these companies accessing my information, I'm trying to understand how and why this happened and it's causing me a lot of stress and XXXX.
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. (CA)

Im submitting this complaint because I found a major mistake on my credit report. It seems like someone elses information has been wrongly listed under my name and Social Security number. Ive already notified the credit bureaus about this, but the issue still hasnt been fixed.
Consumer complaint received 2024-09-16
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. (TX)

I am writing to formally address your agency 's failure to remove certain items from my credit report, despite my dispute letter sent over 1 year ago ( XX/XX/2023 ). In that letter, which is both dated and time-stamped, I provided clear evidence and requested the removal of specific items. However, these items remain on my report, which directly violates my rights under the Fair Credit Reporting Act ( FCRA ). Additionally, as outlined in 15 U.S. Code 1681b, Permissible Purposes of Consumer Reports, I have never provided written consent for your agency to report any information on my consumer report. Lack of consent constitutes Identity Theft, and therefore, these accounts must be deleted immediately. XXXX XXXX XXXX
Consumer complaint received 2024-09-16
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. (TX)

Dear TransUnion Dispute Department, I am writing to formally dispute the inaccurate reporting of my XXXX account on my credit report. I have previously informed you about the incorrect information, yet it remains unresolved. 

To clarify : XXXX is positively reporting this account, reflecting accurate information. XXXX has since removed this account from my credit report due to the incorrect reporting. Despite this, TransUnion continues to report that I was 90 days late on this account, a claim for which you have provided no supporting evidence. 

Furthermore, as of XX/XX/year>, XXXX is barred from federal student loan servicing and has agreed to pay {$120.00} XXXX in fines and compensation as part of a proposed settlement with the Consumer Financial Protection Bureau ( CFPB ). The CFPB has accused XXXX of a range of harmful practices, including tarnishing credit reports through inaccurate reporting. 

In light of these developments and the lack of supporting evidence for the 90-day late payment, I request an immediate correction to my credit report. Failure to correct this issue could be in violation of the Fair Credit Reporting Act ( FCRA ), and I reserve the right to take further action if necessary. 

Please confirm receipt of this dispute and provide a resolution within the legally mandated time frame.
Consumer complaint received 2024-08-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (FL)

I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - The following inquiries were not authorized and should not be reporting.
Consumer complaint received 2024-08-24
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. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX/XXXX  XXXX Balance : {$250.00} XXXX/XXXX  XXXX Balance : {$250.00} XXXX/XXXX  XXXX Balance : {$250.00}