davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-02
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)

I am writing to dispute fraudulent accounts that have been illegally opened in my name. This matter is of the utmost urgency, and I demand immediate correction of my credit report. The following accounts were fraudulently opened without my consent ( see attachment ). These accounts are fraudulent, and I did not authorize the creation of any of these accounts. I demand that these accounts be permanently removed from my credit report immediately. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. This situation has caused severe damage to my credit and has resulted in undue stress and Financial Loss. I expect prompt action in investigating and correcting this issue. I demand that the fraudulent accounts be removed and a new credit report be issued reflecting these changes. Please provide written confirmation that these fraudulent accounts have been deleted from my credit report. Failure to respond and correct this matter within 30 days will leave me no choice but to pursue all legal counsel to protect my rights.
Consumer complaint received 2024-10-02
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. (NJ)

After receiving numerous emails regarding hard inquiries, I decided to review my credit report and found several inquiries that I did not recognize and believe to be fraudulent. Consequently, I have filed a report with the Federal Trade Commission ( FTC ) regarding suspected identity theft. The following inquiries on my Transunion report are unauthorized and should be removed. 

XXXX. XXXX- XX/XX/year> XXXX 
XXXX. XXXX XXXX  XXXX - XX/XX/year>. 
XXXX. XXXX XXXX XX/XX/year>. 

Please take the necessary steps to address this issue promptly.
Consumer complaint received 2022-06-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Block, Inc. (SC)

I noticed several unauthorized transactions made on my cashapp account onXXXX XX/XX/XXXX. I contacted cashapp about this situation on XX/XX/XXXX as soon as I noticed unauthorized transactions were made on my account. I never used my card with the merchants where the unauthorized transactions were made. I reported the unauthorized transactions as soon as I noticed them. XXXX {$160.00} XX/XX/XXXX at XXXX XXXX- {$290.00} XX/XX/XXXX at XXXX XXXX- {$160.00} XX/XX/XXXX XXXX XXXX XXXX- {$170.00} XX/XX/XXXX at XXXX XXXX XXXX {$110.00} XX/XX/XXXX at XXXX XXXX- {$7.00} XX/XX/XXXX at XXXX XXXX- {$7.00} XX/XX/XXXX at XXXX Unauthorized charges were made on my account, I never used my card with any of these merchants to authorize any of the unauthorized charges that were made on my account.
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Hard inquiries needs to be removed. XXXX XXXX XXXX are reporting hard inquiries. I never inquired about. I was asked to send a picture of the hard inquiries. I already gave the information that I seen it was stating and gave the dates. I should not have to send a picture when my rights were violated by running this credit check without my permission or consent, it seems like the bank would like me to make it easier while still not helping remove whats wrong you make it harder for me to get this removed and is unfortunate this is the third time XXXXm now demanding for it to be removed. This bank has no regards for rights protected by the fair credit reporting act and consumer laws having no respect for my request as I will be taking further action due to the hard inquiries affecting my ability to move further with life and my pursuit to happiness in getting extended credit due to The numerous hard inquiries from XXXX bank could somebody please look into this and take action on behalf of the bank in respecting my request by protecting my rights by following The law is put in place for consumers .. thank you
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: EQUIFAX, INC. (FL)

I am writing to formally dispute the reporting of a XXXX  account from XXXX XXXX on my credit report. I have never lived at, applied for, or signed a lease with XXXX XXXX. This account does not belong to me and is inaccurately attributed to my credit file. 

I have already submitted an XXXX  Identity Theft Report and a police report from the XXXX XXXX XXXX XXXX Department ( Report Number : XXXX XXXX ) regarding this fraudulent account. Despite this substantial evidence, the account remains on my credit report. 

Under the Fair Credit Reporting Act ( FCRA ), specifically : 15 U.S. Code 1681c-2 ( a ) : Credit reporting agencies are required to block information resulting from identity theft upon receipt of an identity theft report from the consumer. The documentation I have provided clearly demonstrates that this account was fraudulently opened in my name. 
15 U.S. Code 1681i ( a ) ( 1 ) ( A ) : This section mandates a reasonable reinvestigation of disputed information. It is unacceptable that Equifax continues to report this account without fully considering the extensive documentation I have provided. 
Furthermore, I should not be required to provide proof of where I have lived or supply lease agreements from my current or previous residences. This is an invasion of my privacy and irrelevant to the dispute at hand. The burden of proof lies with XXXX XXXX to provide a valid lease agreement signed by me, which they can not do because no such agreement exists. 

The continued reporting of this account is a violation of my rights under the FCRA. I request that you : Immediately remove the XXXX XXXX XXXX  account from my credit report. 
Cease any further reporting of this disputed account without a thorough and impartial review of all evidence provided. 
Ensure full compliance with FCRA requirements in handling this and any future disputes. 
If this issue is not resolved promptly, I will have no choice but to escalate the matter by filing a complaint with the Consumer Financial Protection Bureau ( CFPB ). 

I trust that Equifax will take the necessary steps to rectify this situation and ensure the accuracy of my credit report.
Consumer complaint received 2024-10-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.
Consumer complaint received 2024-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (RI)

My wallet was stolen with my ID and Social Security Card. Multiple fraudulent accounts have been opened. When I first received a copy of my credit report in XX/XX/year>, I found the accounts to be errors. The company XXXX XXXX  has two different accounts ( XXXX & XXXX ) with addresses of which I have never used and or never resided. I have been asking for months for a signed contract with my signature and they have failed to do so. Yet, they have sent me letters that have a different account number ( XXXX ) on it with the same balance as ( XXXX ). On the bill that was sent to me with account ending in XXXX has an address that I have never resided at. Account ending in XXXX has two bills with both a XXXX balance, one with an address that I never lived at and a po box that I have never owned. Also, I received a letter from XXXX XXXX stating that " After completing our investigation, our records indicate we have not placed the inquiry referenced in your dispute on your credit file that is viewable by us. You may be seeing a promotional offer or an account review inquiry that is only viewable to you and not viewable by other creditors. '' how can I have an account with no inquiry from them in their records. I have attached the letter with the above statement and all documents that has sent me. And, also attached is my original police report that has the account number that was first on credit report. New Identity Theft Report
Consumer complaint received 2020-03-26
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Kramer & Frank, P.C. (MO)

XXXX XXXX XXXX refuses to communicate with me. I have reached out via telephone calls, letters and emails. No response or return calls. Nothing states that XXXX and XXXX have purchased this alleged debt with XXXX XXXX. My credit score just keeps dropping. This is wrong and I want justice. I have been in many disputes with XXXX XXXX with the CFPB and you just keep closing it. XXXX XXXX doesn't have integrity and I feel I am being harassed by this issue. It has been going on since 2016. That's too long to resolve an issue. There is no reasonable excuse why this keeps continuing. Please see attached documents.
Consumer complaint received 2024-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (VA)

Equifax is reporting an account that does not belong to me on my credit report. Equifax need to follow the fair credit reporting act to report all accurate information this account I am unaware of and does not belong to me. I am requesting an immediate removal as it has affected my credit score that has went down XXXX points. I expect Equifax to remove this account and restore my credit. This is unacceptable and should have not been on my credit file.
Consumer complaint received 2024-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (MI)

There was Fraudulent charges on my XXXX XXXX XXXX XXXX From XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX  Also fraudulent hard inquiries recently added to my credit report. We already had this tried to delete these. I filed a complaint wuth the FTC and attached the report report. accordance to the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights privacy and confidentiality under 15 use 1681 Account names : 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 15 U.S.C. 1681 SECTION 602 A. STATES I HAVE THE RITE TO PRIVACY. 15 U.S.C.1681 SECTION 604 A SECTION 2. IT ALSO STATES THE CONSUMER REPORTINGB AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS 15 U.S.C.1681C. SECTION STATES : NO CONSUMER REPORING AGENCY MAY MAKE ANY CONSUMER REPORT CONTAIN ANY OF THE FOLLOWING ITEMS OF INFORMATION ANY OTHER ADVERSE ITEM OF INFORMATION OTHER THEN RECORDS OF CONVICTIONS OF CRIMES WHICH ATTEDATES THE REPORT BY MORE THEN 7 YEARS 15 U.S.C. 1681S-2 ( A ) ( 1 ) A PERSON SHALL NOT FURNISH ANY INFORMATION RELATED 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 2024-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (VA)

XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau ( CFPB ) Case No # XXXX and # XXXX. I have contacted XXXX per the instruction in letters on XX/XX/year> and XX/XX/year>, to verify to remove me from this account and delete this account from my credit report. This company failed to follow their own procedure and continue to show inaccurate information on my credit repairs. Please remove me this account from my XXXX, XXXX, and Equifax account immediately. I have followed XXXX steps by contacting XXXX XXXXXXXX XXXX and spoken with a representative and follow up with a dispute to remove.
Consumer complaint received 2024-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (GA)

Subject : Request for Immediate Removal of Inaccurate Employment History from Credit Report Dear Sir/Madam , I am writing to formally request the removal of inaccurate employment history information from my consumer credit report. The inclusion of this incorrect information is a violation of your obligations under the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S. Code 1681e - Compliance Procedures, and 15 U.S. Code 1681i - Procedure in case of disputed accuracy. 
The incorrect employment history currently listed is : Incorrect Employment Information : o XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Under 15 U.S. Code 1681e ( b ), consumer reporting agencies must maintain reasonable procedures to ensure the maximum possible accuracy of the information contained in consumer reports. Additionally, according to 15 U.S. Code 1681i ( a ), consumer reporting agencies are required to investigate and correct any inaccuracies upon receiving notification of a dispute. 
I request that this inaccurate employment information be removed from my credit report immediately and that the necessary corrections are made to reflect only accurate and verifiable details. Please confirm in writing once the correction has been completed. 
Thank you for your prompt attention to this matter. I trust that you will address this issue in compliance with the FCRA. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-10-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (GA)

asked for debt validation and have not received any. This is officially the last request before litigation. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Debt Validation Request and Cease and Desist Notice Dear XXXX XXXXXXXX XXXX XXXX , I am writing to formally dispute the validity of the debt referenced in your recent communication dated XX/XX/year>. Under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that you provide me with the following information : Validation of Debt : The amount of the alleged debt. The full name and mailing address of the original creditor. Documentation showing that you have verified I am responsible for this debt, including a copy of any judgment. Proof of Late Payment : Detailed records of any late payments reported, including dates and amounts. 1099-C Form for Charged-Off Accounts : A copy of the 1099-C form issued for the cancellation of this debt, if applicable. Proof of Account Ownership : Documentation proving that you or your company owns the debt, such as a bill of sale, assignment, or receipt from the original creditor. Account History : A complete account history, including all transactions, payments, and charges. Cease and Desist : Please communicate with me only in writing and cease all phone calls immediately.

Credit Reporting : Remove any negative information related to this debt from my credit report until the debt is validated. Statute of Limitations : If this debt is beyond the statute of limitations, please be reminded that it is no longer legally enforceable. Additionally, I would like to inform you that any further attempts to collect this debt / report misleading information via ( credit bureaus ) to my credit report without providing the requested validation will be considered a violation of the FDCPA. Such violations can result in penalties, including fines up to {$1000.00} per violation and potential damages for any harm caused. Please consider this letter as a formal dispute and request for validation. Until you
Consumer complaint received 2024-10-30
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: Experian Information Solutions Inc. (OR)

I recently reviewed my consumer report and I noticed unauthorized inquiry from XXXXXXXX XXXX XXXXXXXX. I have never applied there I dont know what that is and Experian you are in violation of the FCRA as well as 15 USC 1681 and 15 USC 1692 by reporting this unauthorized, Fraudulent inquiry on my report.
Consumer complaint received 2024-08-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2024-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MS)

I wrote the credit bureaus asking for verification of the information that was being reported because all 3 credit bureaus were reporting different information. I also wrote the original creditor asking for a 1099 since my account was listed as a charge off. The credit bureaus did not provide physical verification, my credit report account was just updated. I have not received a response back from the original creditor.
Consumer complaint received 2024-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX 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 this complaint.These fraudulent accounts consist of a personal credit card account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, an installment account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, and a personal secured credit line at XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX under the account number XXXX. There is also a fraudulent collection account, XXXX XXXX XXXX opened on XX/XX/XXXX under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX 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 # 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 2023-04-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2024-09-14
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)

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 XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report : XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX  XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/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 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 2024-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MA)

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 XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.