davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-24
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: BARCLAYS BANK DELAWARE (UT)

XXXX XXXX  has an account under my email address which they are denying exists and are refusing to allow me to access. I did not make this account and I didn't not apply or get a store credit card from XXXX XXXX. 

I called them for over XXXX and it was denied any account was under my name and I provided my ssn. I have sent written complaint and enqury letters.
Consumer complaint received 2024-07-28
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. (FL)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2024-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

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

Account Name : XXXX 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 XXXX 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 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (MD)

I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.
Consumer complaint received 2024-07-27
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. (FL)

I have submitted multiple disputes to XXXX, experian, and transunion. They have gone unanswered and the errors on my report are still there. I keep getting a letter back saying im not the one sending them in. I am personally sending them in so I do not understand. Please assist me and getting my credit report fixed.
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. (IL)

The existence of this account has caused me significant distress, to the point where it is affecting my ability to sleep. I have provided all the necessary documentation to support its removal, and I earnestly implore you to take action and remove it from my credit report.
Consumer complaint received 2024-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after 30 days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-07-28
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. (CA)

I am a victim of identity theft involving a fraudulent account with XXXX XXXX, account number XXXX, opened on XX/XX/year>. This account, which I did not authorize, has a balance of {$1700.00} and includes incorrect personal information such as an address and phone number that do not belong to me. 

Despite my multiple formal disputes and provision of evidence, XXXX XXXX has continually verified and updated this erroneous account on my credit report. Their actions violate the Fair Credit Reporting Act ( FCRA ), as they have failed to follow reasonable procedures to ensure maximum possible accuracy ( 15 U.S.C. 1681e ( b ) ) and have not properly reinvestigated disputed information ( 15 U.S.C. 1681i ( a ) ). Additionally, their conduct breaches the Fair Debt Collection Practices Act ( FDCPA ) by engaging in unfair practices and reporting false information to credit bureaus.

The persistent presence of this fraudulent account on my credit report has significantly harmed my creditworthiness, caused undue stress, and negatively impacted my financial stability. I urgently request that the CFPB intervene to ensure the immediate removal of this fraudulent account from my credit report and to hold XXXX XXXX accountable for their ongoing violations.
Consumer complaint received 2024-07-27
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. (MI)

I pulled my credit report I few times I noticed fraud accounts closed and open I reached out to have them removed they came back as verified these accounts are not mine and its affecting my credit with inaccurate, unauthorized information and accounts please remove them.
Consumer complaint received 2024-09-22
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. (MI)

I am XXXX XXXX XXXX and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, XXXX, XXXX, and Equifax.
Consumer complaint received 2023-05-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (KY)

XXXX XXXX XXXX, Experian and XXXX are all acting in bad faith by not abiding by federal privacy and consumer protection laws. 

XXXX XXXX XXXX XXXX is fraudulently furnishing the information listed below. There have been unauthorized disclosures of my personal identifying information. XXXX XXXX XXXX XXXX is fraudulently furnishing the information listed below. The information which appears on my credit report does not relate to any transaction ( s ) that I have made. This information violates my consumer rights and the FCRA, FDCPA, privacy rule 313, and the GLB Act. I did not authorize, or consent to this information. This information was not furnished with my written consent. These companies are coercing me into paying an alleged debt that they failed to provide validation for. This is a violation of 15 USC 1692d ( 4 ) and I believe they are blatantly committing racketeering. I have provided an identity theft report listing the accounts that should be blocked and removed.
Consumer complaint received 2024-09-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

I was recently denied credit due to incorrect reporting and failure to verify/validate the information on my credit report. The incorrect, incomplete, and misleading information on my consumer report has impacted my credit worthiness, credit standing, credit capacity, character and general reputation. 

A consumer reporting agency must have reasonable procedures to ensure the accuracy and fairness of consumer credit reports. Consequently, we are requesting a thorough investigation into the disputed items and verification of their accuracy in accordance with 15 USC 1681 ( e ) ( b ). 

15 USC 1681s-2 ( a ) ( 7 ) - Negative Information ( A ) Notice to consumer required ( i ) In general If any financial institution that extends credit and regularly and in the ordinary course of business furnishes information to a consumer reporting agency described in section 1681a ( p ) of this title furnishes negative information to such an agency regarding credit extended to a customer, the financial institution shall provide a notice of such furnishing of negative information, in writing, to the customer. 

XXXX- Acct # XXXX Late payment XXXX-Please see bank statement reflecting ( 2 ) payments in XX/XX/XXXX - ( XXXX XXXX AND XX/XX/XXXX, XXXX This failure to validate/verify the negative Item from the furnisher has resulted in a denial of a recent loan application. 

XXXX and Equifax failed to notify me- ( the consumer ) in writing of this negative information stated by law noted above. 

XXXX RETAIL Acct # XXXX 30 day Late payment reported XXXX XXXX reports XXXX XXXXFURNISHER REPORTING INACCURATE DATA AND EQUIFAX FAILED TO VERIFY/VALIDATE NEGATIVE INFORMATION ON MY CREDIT REPORT AND PROVIDE NOTIFICATION OF NEGATIVE INFORMATION ON MY CREDIT FILE XXXX  XXXX Acct # XXXX Account Opened XXXX XXXXpayment history INCOMPLETE-missing ALL of XXXX and XXXX XXXX, 30 day late XX/XX/XXXX and XXXX XXXX-How can the payment be marked 30 days with no data available for other months in XXXX?
Consumer complaint received 2024-09-22
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 am filing a formal complaint against Equifax regarding their failure to address multiple fraudulent entries and inaccuracies in my credit report.I have mailed in the documents and Equifax has failed to update or send me updated credit report. I have been a victim of identity theft and human trafficking, which has resulted in numerous fraudulent accounts being opened in my name without my authorization. These fraudulent accounts, along with an incorrect public record, have severely impacted my creditworthiness and financial stability. Despite multiple requests, Equifax has failed to remove the following fraudulent accounts and public record from my credit file : Equifax has violated multiple sections of the Fair Credit Reporting Act ( FCRA ) by failing to correct these inaccuracies : Section 605B ( 15 U.S. Code 1681c-2 ) : Equifax is legally required to block fraudulent information from my credit report once notified of my status as a victim of identity theft. Section 609 ( 15 U.S. Code 1681g ) : Equifax has failed to provide accurate and complete disclosure of all information in my file. Section 611 ( 15 U.S. Code 1681i ) : Equifax has not conducted a proper investigation into the fraudulent accounts and public record within the legally required XXXX period. Section 607 ( b ) ( 15 U.S. Code 1681e ( b ) ) : Equifax has not followed reasonable procedures to ensure the maximum possible accuracy of my credit information.
Consumer complaint received 2024-07-26
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. (CA)

I am writing to formally dispute the presence of fraudulent accounts currently reported on my TransUnion credit report. These accounts were not opened by me, and I believe they are the result of identity theft. I am requesting that you delete these accounts from my credit report as required by Section 605C of the Fair Credit Reporting Act ( FCRA ). 

The details of the fraudulent accounts are as follows : Creditor Name : XXXX XXXX XXXX XXXX Creditor Name : XXXX XXXXXXXX XXXX XXXX  Creditor Name : XXXX XXXX XXXX XXXX  Date : XXXX XXXX, XXXX  ( XXXX yrs, XXXX mos ) Creditor Name : XXXX XXXX Under Section 605C of the FCRA, consumer reporting agencies are required to block the reporting of information that the consumer identifies as resulting from identity theft, provided that the consumer submits a valid identity theft report. Given that these accounts were fraudulently opened without my knowledge or consent, I am invoking my rights under this section to request the deletion of these accounts. 



Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-07-27
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. (IA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (DE)

On XX/XX/XXXX I requested an acount be investigated for inaccuracies and to be deleted as it is violating my rights by being reported inaccurate. On XX/XX/XXXX i received an update stating in has been validated to be accurate. I did not receive any documents concerning this validation. I do not have a copy of the account contract as well as the account was charged off and is showing a past due balance but also reports as being written off. The credit reporting agency did not do an actual verification. And account is negatively impacting me because of there negligence. The account in question is XXXX XXXX account number is XXXX and it was charged off as of XXXX XXXX
Consumer complaint received 2024-09-24
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. (MI)

" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"
Consumer complaint received 2024-07-26
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)

I sent a letter regarding an inaccurate and unknown things on my credit report, Items under my name that is a result of Identity Theft and I have already files the proper documentation for these and.to this day over 45 days later the bureaus but they did not remove them. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly.
Consumer complaint received 2024-09-20
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. (NY)

I am submitting this complaint against the credit bureaus due to their continuous failure to address my dispute letters concerning inaccurate information on my credit report. Despite multiple attempts to resolve this issue through the appropriate channels, the credit bureaus have not acknowledged or investigated my disputes, as required by the Fair Credit Reporting Act ( FCRA ). 

Even after multiple submissions, the credit bureaus have failed to provide any response, confirm an investigation, or correct the disputed information. This lack of action clearly violates the FCRA, which requires credit bureaus to investigate disputes and respond within XXXX  days.
Consumer complaint received 2022-11-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MA)

My husband and I applied for a mortgage a few years ago. Equifax would not give the bank my credit information because they said that I was born a different month than I was actually born. After talking to someone in XXXX who worked for equifax and waiting on hold for long periods of time I was told to mail information proving my real birthdate. I did so and received a 6 page letter back from them. I could not understand if they were correcting the wrong birthdate or telling me that I was not born on my correct birthdate. I showed the letter to my lawyer and she could not understand what it was telling me. That is how poorly the letter was written. Now years later I received a letter from them again wanting information. They are asking me to provide two of the following IDs : pay stub with SSN, W-2 form with SSN and social security card. Of these three items I have only one -- the social security card. I am self-employed -- no W-2 or pay stub!! Clearly some date entry person entered the wrong information for me in their files and it is now impossible to fix. No one at any agency or company has ever gotten my birth date wrong.
Consumer complaint received 2024-09-20
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. (TX)

I've made multiple attempts to address fraudulent, inaccurate, and misleading information on my consumer report, but the problem persists. These entries have seriously disrupted my life, causing major stress and anxiety. I must emphasize that I never authorized or agreed to have this information linked to my name- I'm a 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. (IL)

According to the provisions of the Fair Credit Reporting Act, I demand that these matters items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this complaint. 

Clients Need to Dispute : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX Open : XXXX XXXX XXXX  Balance : {$0.00} - ChargeOff XXXX : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, IL, XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX XXXX XXXX XXXX XXXX, XXXX, IL, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV, XXXX XXXX XXXX Account Number XXXX Date Open XXXX XXXX XXXX, XXXX Balance : $ XXXX XXXX XXXX XXXX ( Original Creditor : XXXX ) Account Number XXXX Date Open : XX/XX/XXXX {$260.00} -Collection Transunion XXXX XXXX XXXX XXXX XXXX, XXXX, IL, XXXX XXXXXXXX XXXX Account Number XXXX Date Open : XXXXXXXX XXXX XXXX  Balance : $ XXXX XXXX XXXX XXXX ( Original Creditor : XXXX ) Account Number XXXX Date Open : XX/XX/XXXX {$260.00} -Collection
Consumer complaint received 2024-07-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. 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. Please let me know if you need any other information from me to block this information from my credit report.