davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MO)

To Whom It May Concern : I am submitting a complaint regarding XXXX XXXX XXXX for inaccurate reporting on my credit files with XXXX, Experian, and XXXX. The information being reported contains incorrect original credit amounts, dates, and installment details, which is unfairly impacting my credit score and financial profile. I respectfully request the CFPBs assistance in ensuring that XXXX XXXX XXXX corrects these errors and updates the information accurately across all three credit bureaus. 

Account Details : Creditor : XXXX XXXX XXXX Reported Issues : Incorrect original credit amount, incorrect dates, and inaccurate installment type reported inconsistently across XXXX, Experian, and XXXX Issue Summary : XXXX. Inconsistent and Inaccurate Reporting : XXXX XXXX XXXX has reported incorrect information across the credit bureaus. These inaccuracies include incorrect original credit amounts, inaccurate dates, and the wrong type of installment structure, creating a misleading view of my creditworthiness. 


XXXX. Failure to Correct Errors : I have attempted to resolve these inaccuracies directly with XXXX XXXX XXXX. However, no corrections have been made, and the inaccurate information continues to appear on my credit reports, unfairly harming my financial standing. 



Please be advised that this letter is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ), disputing this claim and requesting immediate validation of the reported information. Due to the inaccuracies and inconsistencies, I am requesting immediate correction and alignment of the information reported by XXXX XXXX XXXX XXXX XXXX, Experian, and XXXX. 

Resolution Requested : Immediate correction of all inaccurate information reported by XXXX XXXX XXXX, including original credit amount, dates, and installment type on XXXX, Experian, and XXXX. 

XXXX that XXXX XXXX XXXX will update its records and ensure accurate reporting practices going forward. 

Confirmation that XXXX XXXX XXXX has provided the corrected information to each of the three major credit bureaus to prevent future discrepancies. 


These reporting inaccuracies have caused significant harm to my credit report, and I am seeking the CFPBs support in ensuring that my credit file is updated fairly and accurately. 

Thank you for your attention to this complaint. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-10-28
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: Experian Information Solutions Inc. (GA)

To Whom It May Concern : You are furnishing inaccurate and outdated personal information on my consumer report. 15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : 1. My Full Legal Name : XXXX XXXX XXXX. My Address : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX You are furnishing XXXX Addresses on my consumer report Delete the below outdated and inaccurate address from my consumer report. I can not receive any mail or legal correspondence from the below address, this information is being reported as my address and that is inaccurate and outdated. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 
Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above.

3. My only Phone number is XXXX I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 
Delete all information in the employment section. I do not work or have any affiliation with these companies. 
This information is inaccurate. XXXX XXXX XXXX  Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections. 15 U.S. Code 1681 - Congressional findings and statement of purpose ( a ) ACCURACY AND FAIRNESS OF CREDIT REPORTING ( b ) REASONABLE PROCEDURES It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. 15 USC 1681e ( b ) ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. XXXX v. Experian Information Solutions , Inc . The Bureau and the FTC filed an amicus brief with the XXXX XXXX XXXX XXXX for the XXXX XXXX arguing that the Fair Credit Reporting Acts requirement that consumer reporting companies investigate consume
Consumer complaint received 2024-09-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Transunion XXXX XXXX XXXX XXXX XXXXXXXX Subject : Request for Goodwill Adjustment on Account Dear Transunion, I hope this letter finds you well. I am writing to request a goodwill adjustment regarding my account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX, account number XXXX. 
I want to express my appreciation for your services, and I have always valued my relationship with your company. I understand the importance of maintaining a positive credit history, and I take my financial obligations seriously. 
Recently, I paid off my account in full on XXXX While I understand that the record of this account may remain on my credit report, I am kindly requesting that you consider removing the negative reporting associated with this account from my credit report with XXXX XXXX 
Thank you for considering my request. I hope for your understanding and support in this matter. I look forward to your positive response. 
Sincerely, XXXX XXXX
Consumer complaint received 2020-03-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (AR)

I have made numerous disputes and Method of Verification requests and Equifax Credit Reporting will not comply. I do not believe they are even investigating and just using the E-Oscar database. I have plainly asked for their method of verification of how they are verifying the completeness and accuracy of what they are reporting. They keep responding back ( They verified that the items belong to me ). I have enclosed some of my past dispute letters and method of verification requests and I still can not get them to comply. 
The alleged debts are being reported by the notorious XXXX XXXX XXXX. 
Their reporting has been detrimental to my credit scores and has caused me great financial and mental distress. 
What can I do to make them at least do their job as required by the FCRA and comply with my requests or delete the items I disputed.
Consumer complaint received 2024-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, TransUnion the 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. This fraudulent, inaccurate, and false information consists of : XXXX XXXX - open on XX/XX/XXXXXXXX  under the account number XXXX, XXXX Automated - open on XX/XX/XXXX under the account number XXXX, XXXX XXXX XXXX - open on XX/XX/XXXX under the account number XXXX, XXXX XXXX XXXX XXXX  - XXXX on XXXX XXXX, XXXX under the account number - XXXX, XXXX XXXX  - Open on XX/XX/XXXX, under the account number XXXX, XXXX XXXX XXXX - Open on XX/XX/XXXX under the account number XXXX, XXXX XXXX XXXX - Open on XX/XX/XXXX under the account number XXXX, XXXX XXXXXXXX XXXX XXXX Open on XX/XX/XXXX under the account number XXXX, XXXXXXXX XXXX XXXX XXXX open on XX/XX/XXXX under the account number XXXXXXXX XXXXXXXX XXXX XXXX  open 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 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 # 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 fraudulent accounts that were made with my full name, social security number, date of birth emails, phone numbers, addresses. My information has been found in multiple data breaches. I am a victim of Identity theft and This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ). The items listed above occurred due to my identity been stolen and by law the accounts need to be removed within 4 days.

TransUnion is In violation of the FCRA because the FTC was not contacted on behalf of my identity being stolen, therefore these items need to be deleted immediately and within 4 receiving this complaint.
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. (PA)

To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!
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. (PA)

all XXXX XXXX XXXX are reporting totally different balances and closing date and open dates on my credit report and all are in correct and is hurting my credit report and doesn't help with getting a loan for a XXXX time home buying, can you please delete all incorrect information i have attached docs. that was sent to all XXXX XXXX
Consumer complaint received 2024-09-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

My credit report has certain accounts that I'm not familiar with. Since I never gave them permission, they could be the product of identity theft. Having previously discussed this with you, I'm writing to request that these accounts be promptly deleted from my report in compliance with the Fair Credit Reporting Act ( FCRA ), which mandates that credit bureaus rectify erroneous information on consumer credit reports. These accounts have caused me stress because they are on my report. It's been difficult to deal with the impact because they don't represent my financial responsibility or credit history. I'm ready to take legal action to protect my rights and find a solution under the FCRA if we can't work this out. The inaccurate items that appear on my credit report have been a big obstacle for me. They're getting in the way of my important financial goals, like buying a house and taking care of my family. I hope we can resolve this issue quickly.
Consumer complaint received 2024-09-30
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 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

Today as I logged in to XXXX XXXX and under the F.I.C.O. Score a fraudulent account has been entered onto my XXXX Card stating that a Payment was missed for the amount of {$410.00}, but does NOT show any " Business Name '' or " Dates '' and claims it's been owed for " 4 years ''. This is an intentional disruption of my once 832 F.I.C.O. score, Trans Union website " Block any and all attempts to log on ''. Banks are inputting " Fraudulent Directory information for the sake of causing financial hardship, then blocking access to Dispute the Fraudulent Information
Consumer complaint received 2024-09-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

PLEASE HELP ME, EVERYTIME I AM SEEING THIS ACCOUNT IN MY REPORT, THESE REALLY ARE GIVING ME SO MUCH STRESS OM HOW AND WHY THESE ARE REFLECTING IN MY CREDIT REPORT.
Consumer complaint received 2024-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :
Consumer complaint received 2024-09-30
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. (MI)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2024-09-30
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. (VA)

I've recently received a copy of my credit report and noticed serval inaccuracies and unauthorized accounts/information reporting my to credit report. These remarks have been detrimental to my life and credit health.
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NJ)

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 that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : 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 2024-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

They [ XXXX ] charged me prior to XX/XX/year> for my student loans. The Federal Goverment didnt require payment until XXXX of XXXX. This caused a delinquent score on my credit report, even though Ive never missed a single payment on any credit card or loan, resulting in denials to my credit increase on my cards and denial of housing in my current job, XXXX Researcher with a XXXX degree and a XXXX
Consumer complaint received 2024-09-30
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. (GA)

You are in violation of 15 USC 1681s- ( 2 ) ( B ) and 15 USC 1681s- ( 2 ) ( E ) Responsibilities of furnishers of information to consumer reporting agencies. A furnisher has a " ( 2 ) Duty to correct and update information '' " A person who ( B ) has furnished to a consumer reporting agency information that the person determines is not complete or accurate, shall promptly notify the consumer reporting agency of that determination and provide to the agency any corrections to that information, or any additional information, that is necessary to make the information provided by the person to the agency complete and accurate, and shall not thereafter furnish to the agency any of the information that remains not complete or accurate '' You have failed to conduct a reasonable investigation within a timely matter and notify me of the results according to 15 USC 1681s ( 2 ) ( E ) Duty of person after receiving notice of dispute. " After receiving a notice of dispute from a consumer pursuant to subparagraph ( D ), the person that provided the information in dispute to a consumer reporting agency shall ( i ) conduct an investigation with respect to the disputed information ; ( ii ) review all relevant information provided by the consumer with the notice ; ( iii ) complete such persons investigation of the dispute and report the results of the investigation to the consumer before the expiration of the period under section 1681i ( a ) ( 1 ) of this title within which a consumer reporting agency would be required to complete its action if the consumer had elected to dispute the information under that section; and ( iv ) if the investigation finds that the information reported was inaccurate, promptly notify each consumer reporting agency to which the person furnished the inaccurate information of that determination and provide to the agency any correction to that information that is necessary to make the information provided by the person accurate.

Please see the attached disputes sent over the last few months.
Consumer complaint received 2024-10-29
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. (GA)

The debt collector in question has been involved in prohibited practices outlined by the FDCPA, which include abusive, deceptive, and unfair actions. They provided information about an account that I never agreed upon or signed any agreement for. A legal contract requires the participation of both parties, but I was not involved whatsoever. Furthermore, they failed to adhere to the proper five-step validation procedure, which constitutes unfair practices. As stated by the FDCPA, I am entitled to compensation of {$1000.00} per violation, and it is evident that my rights have been violated by their actions.
Consumer complaint received 2024-10-29
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: Experian Information Solutions Inc. (TX)

I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.