davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-17
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. (MO)

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 2024-09-16
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. (TX)

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 information is inaccurate.
Consumer complaint received 2023-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MO)

This is my eighth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$930.00} XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1000.00} US DEPT ED XXXX Balance : {$930.00} US DEPT ED XXXX Balance : {$1300.00} XXXX XXXX Bankruptcy Discharged Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX Balance : {$760.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1400.00} AXXXX XXXX Balance : {$3300.00} XXXX XXXX XXXX Balance : {$1600.00} XXXX XXXX XXXX Balance : {$130.00} XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX, MO 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 — Account status incorrect
Company: EQUIFAX, INC. (FL)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
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. (CA)

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 these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX XXXX Balance : {$58000.00} XXXX XXXX XXXX XXXX Balance : {$38000.00}
Consumer complaint received 2024-09-21
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. (NJ)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
XXXX  XXXX Bankruptcy XXXX XXXXXXXX XXXX XXXX XXXXXXXX Reference # XXXX XXXX  XXXX Bankruptcy Federal Reference # XXXX XXXX  XXXX Bankruptcy XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX BALANCED {$0.00} XXXX  XXXX XXXX BALANCED {$290.00} XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX A XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$1.00} XXXX XXXX XXXX XXXX XXXX {$790.00} XXXX  XXXX BALANCED {$130.00} XXXX XXXX XXXX BALANCED {$0.00} XXXX XXXX BALANCED {$260.00} XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/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. (NC)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bond age, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( B ) ( 4 ) -51002.152 ( B ) ( 7 ). I kindly request that you block this information from my credit report within 4 business days, pursuant to Section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted from TransUnion. Please delete the following accounts : 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 2024-09-26
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. (GA)

I am writing to delete the following information in my file. The item I need deleted are listed in the report. I am a victim of identity theft and did not authorize thoses charges or account. I ask that the item be deleted to correct my credit report. 
I reported the theft of my identity to the federal commission and i also have enclosed copies of the federal trade commission Identity Theft Affidavit. Please delete the item as soon as possible.
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)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
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. (AZ)

This account was charged on the following date : XX/XX/year> Since then, the account has repeatedly been updated charged off every month. This is an update in the payment history. A charged off account should not include in active payment history. This inaccurate information falsely manipulates the status of limitation investigate this account properly after I asked you to do it twice and your neglect has violated demanding a deletion of the following account name XXXX XXXX XXXX XXXX XXXX {$3700.00}
Consumer complaint received 2024-09-21
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: EQUIFAX, INC. (KS)

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 2024-09-24
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)

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 15USC 1681. 
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 15 U.S.C 1681 section 602 A. States I have the right to Privacy 15 U.S.C 1681 section 604 A. 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 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I am writing to formally notify you that I have been a victim of identity theft, which has resulted in the appearance of multiple unauthorized accounts and credit inquiries on my credit reports. I have discovered accounts and inquiries that I did not initiate or authorize, and these have negatively impacted my credit standing. 

The Fair Credit Reporting Act ( FCRA ), under Section 605B, provides me with the right to dispute information related to identity theft and to request the blocking of fraudulent information from my credit reports. Additionally, Section 611 of the FCRA allows me to dispute the accuracy of any information in my credit report and obligates the credit bureaus to investigate and correct any inaccurate or incomplete information. 

The accounts and inquiries that I do not recognize include, but may not be limited to, the following : Capital One Equity Inquiry Date : XX/XX/XXXX Capital One Inquiry Date : XX/XX/XXXX XXXX XXXXXXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX I am requesting that your office intervene in this matter to ensure that these unauthorized accounts and inquiries are properly investigated and removed from my credit file in accordance with FCRA guidelines XXXX I have already begun the dispute process with the major credit bureaus, but I am seeking the CFPBs assistance to ensure that my rights under the FCRA are fully protected. 

I have also filed reports with the Federal Trade Commission ( FTC ) and local law enforcement in regard to this identity theft incident. Enclosed are copies of these reports and other supporting documentation to aid in your investigation. 

Thank you for your prompt attention to this matter. I look forward to your assistance in resolving this issue and ensuring the integrity of my credit reports. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, PA XXXX XXXX XXXX
Consumer complaint received 2024-09-03
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. (CA)

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy.

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted this company any permissible purpose. They are in strict violation of this code. I need this account ( XXXX ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 

XXXX XXXX XXXX
Consumer complaint received 2024-09-24
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: EQUIFAX, INC. (TX)

After thoroughly reviewing my credit report, Ive discovered that incorrect information continues to be reported by XXXX, XXXX, and Equifax. Despite my previous disputes, this information is still being verified as accurate. However, I have undeniable proof that the information in question is not accurate, which I have attached for your reference. 

This ongoing verification of false information not only damages my creditworthiness but also violates my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 and 623. These sections mandate that credit reporting agencies and furnishers of data must correct or remove any information that is found to be inaccurate or unverifiable after a dispute is filed.

I am urging you to immediately remove this inaccurate information from my credit report, as continued reporting of these errors is unacceptable and unlawful. Please ensure that my credit file is corrected to reflect accurate and verified information, in accordance with the FCRA.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

XXXX XXXX XXXX XXXX I AM FILING THIS CFPB COMPLAINT TO REQUEST PURSUIT FCRA 605B ( 15 U.S. Code 1681c2 ) THAT YOU THE TRANSUNION REPORTING AGENCY BLOCK INFORMATION ON MY CREDIT REPORT THAT IS AN RESULT IN IDENTITY THEFT AND FRAUD WITHIN 4 DAYS OF YOU RECEIVING THIS COMPLAINT. I HAVE SEVERAL ACCOUNTS ON MY REPORT SUCH AS AUTO LOAN XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, THESE ACCOUNTS HAVE ADDED FRAUD ACCOUNTS AND ALSO INQUIRIES SHOWING ON MY CONSUMER FICO CREDIT REPORT. I ASK THAT THESE BE REMOVED WITHIN 4 DAYS.
Consumer complaint received 2024-09-24
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: EQUIFAX, INC. (TX)

I have identified inaccurate information on my credit report that has not been corrected despite multiple disputes submitted to XXXX, XXXX, and Equifax. The information reported is incorrect, and the credit bureaus have continued to verify it as accurate without conducting a thorough investigation, which is required under the Fair Credit Reporting Act ( FCRA ). This failure to investigate properly and correct the inaccuracies violates sections 611 and 607 of the FCRA, which require that only accurate and verifiable information be included on credit reports.

I have attached documentation proving that the information is inaccurate, and I am requesting that this information be removed immediately. The continued reporting of false information is detrimental to my credit and represents noncompliance with federal law. I expect this matter to be addressed promptly and for my credit report to be updated accordingly.
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

I have contacted Equifax several times to report erronous information appearing on my credit report. According to The Fair Credit Reporting Act, erroneous information can not be reported to credit reporting agencies. There is a XXXX ( XXXX ) year dispute with a prior property management company regarding an alleged repair. I have requested the worker order, but XXXX reports they do not have any work orders prior to XXXX when they acquired XXXX XXXX Account. They suggest the 7 year old work order/invoice may be in a box in a storage facility. A work order dispute does not equate to assessments. 

XXXX XXXX XXXX ( reporting on behalf of XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) . This company has first reported a deliquent balance of $ XXXX this caused my credit score to drop with Equifax by XXXX plus points ( XXXX ). They are reporting the account was opened, XX/XX/XXXX and 60 days past due as of XX/XX/XXXX, last activity XX/XX/XXXX, scheduled payments $ XXXX. I always pay my assesssments by the XXXX of the month. XXXX often assess late charges when assessments are not late and have reversed several late fees. 

This is inaccurate. My HOA account was established XX/XX/XXXX the assessments were $ XXXX from XXXX. In XX/XX/XXXX, the HOA fees increased to $ XXXX. I have never had a late payment. 

This information is erroneous as my assessments $ XXXX are current. I do not have any late payments. 

XXXX XXXX XXXX again reported the following to Equifax erroneous information as follows : The account was opened XX/XX/XXXX, amount deliquent is {$1800.00}, XX/XX/XXXX. This caused my score to drop an additional XXXX plus points. 

I have attached my XXXX XXXX XXXX XXXX Transaction History XXXX. It is evident that my assessments of {$270.00} are paid early every month. XXXX XXXX XXXX have violated the Fair Credit Reporting Act by reporting inaccurate, erroneous information to Equifax and by law it must be removed. I am suffering serious credit injury as a result of this inaccurate/erroneous reporting. 

Please review the payment ledger of XXXXXXXX XXXX managed by XXXX XXXX
Consumer complaint received 2024-09-03
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (UT)

Midland credit management changes the original amount of the original debt with every increase of {$1.00} they add to the balance due. The original amount of the debt should be the authentic original amount when they purchased the debt of the last statement by the credit card company. It is the original amount owed to the original creditor not the amount Midland Credit Management has added their own associated fees to the original balance owed.
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: EQUIFAX, INC. (AR)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2024-10-22
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE (PA)

I returned items and they werent properly reported on my statement, I spoke with the company and they told me the new amount to pay after the returns were credited. I mailed in payment by check and they failed to post to my account. The next month I did the same thing and they again failed to post it to my account then I closed the account after paying over the phone. They are a predatory lender and tried to charge me close to {$500.00} in erroneous fees because of their errors.
Consumer complaint received 2024-09-21
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: 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.

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.