davidheineman/consumer-finance-complaints-large huggingface dataset:
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PR)

Since XX/XX/XXXX I have asked Transunion Credit to present evidence such as a contract signed by me on an account that appears in my credit report and to date they have ignored my request to dispute the account in multiple disputes. violated the law by acting incorrectly and ignoring my complaints. To this day they do not receive my disputes nor do they answer them. 

My claims or disputes to TransUnion credit report are as follows : You are reporting incomplete and incorrect information. I am shocked and outraged that you have failed to maintain reasonable prosecutions in your trades and have published information in my completely incorrect report. The federal fair credit law requires credit bureaus to report only 100 % accurate information on credit reports. They must take the necessary steps to ensure that the information reported is completely correct and accurate. The following information should be reinvestigated. I respectfully request that you provide me with proof that this account belongs to me, specifically, a copy of the contract, or any other instrument that contains my signature. If you don't comply, I would like to remove this account from my credit report as soon as possible. ACCOUNT : XXXXXXXX XXXX XXXX XXXX Since XX/XX/XXXX, I have requested several disputes regarding this account and to date, they have been violating my rights, they do not respond to my conflicts, they do not present evidence of their validity and they continue to report information from accounts that do not belong to me. 

Company responded Status The company responded on XXXX  Response Type Closed with non-monetary relief The actions of Transunion credit reports are as follows : Company 's Response After careful review, we have determined the information submitted in the portal included a dispute of information appearing on your credit report. TransUnion has processed your request and forwarded a copy of the Investigation Results through US mail. You should expect to receive those results in approximately 7 business days. In response to your request to block fraudulent information appearing on your credit report, we sent you a letter to inform you we were unable to block the information for the reason described in the letter and we investigated the information by contacting the creditors to verify the accuracy of the information. 
DESCRIPTION OF NON-MONETARY RELIEF The actions of Transunion credit reports are as follows : In response to your request, the following actions were taken on your credit file : You disputed the following accounts and/or public records on your credit file. Below are the results of that investigation. XXXX XXXX-VERIFIED AS REPORTED Maintenance was performed on the following accounts and/or public records.
Consumer complaint received 2024-09-25
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. (FL)

Subject : Complaint Against TRANSUNION for Violation of Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against TRANSUNION for its refusal to remove a charge off account from my credit report in violation of the Fair Credit Reporting Act ( 15 USC 611 ). 

Account Information : Creditor Name : XXXX XXXX  Account Number : XXXX Date of Charge Off : XX/XX/year> Amount : {$3400.00} I have previously disputed the accuracy of this charge off account with TRANSUNION and provided evidence that the information is inaccurate. However, TRANSUNION has failed to conduct a proper investigation and continues to report the inaccurate information on my credit report. 

Under the Fair Credit Reporting Act, I have the right to request the removal of inaccurate or outdated information from my credit report. TRANSUNION refusal to comply with this law is a clear violation of my consumer rights. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against TRANSUNION for its non-compliance with the Fair Credit Reporting Act. I am seeking the immediate removal of the inaccurate charge off account from my credit report. 

Thank you for your attention to this matter. I look forward to a prompt resolution and your assistance in ensuring that TRANSUNION upholds its obligations under the law. 

Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-25
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I have tried to get an erroneous debt removed from my credit report several times now. The debt is related to a clerical error by XXXX XXXX who said i never returned internet equipment, I have proof of a tacking number as well as a receipt from XXXX showing that the equipment was indeed returned. I have sent proof to the company who says I owe it, XXXX XXXX, as well as XXXX XXXX XXXX ( XXXX ) who the debt was sold to, and to TransUnion. At this time I am filing this compliant against TransUnion as their " investigation '' has been nothing of the sort. They're relying on evidence from XXXX to confirm that the debt is indeed real and accurate, even after i have provided proof of return to all parties. The fact that they TransUnion will not accept my proof, but the proof of the collection agency... who is grading their own homework is wrong. The burden of proof should lie with the XXXX and the collection agency to show that my return receipts are inaccurate. I have provided serial numbers, return numbers, and XXXX tracking... all of these references should be leveraged to investigate my case, and to date they have not. I am a frustrated consumer who is being forced to carry a poor credit score based upon inaccurate information and poor investigation. Transunion Dispute reference number : File Identification Number : 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. (TX)

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section XXXX of the Fair Credit Reporting Act.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Please consider this a formal request to investigate and correct the following inaccurate items on my credit report issued by your agency. These items must be updated in order to show my true credit history. I make this request pursuant to15 USC Section 1681i of the Fair Credit Reporting Act of 1997.

As required by the Act, I demand that you re-verify each of these items, and that the inaccurate items be deleted from my record. All XXXX erroneous accounts are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$26000.00} I am opting out of any and all reporting by XXXX, XXXX, TRANSUNION I am again revoking any permissions given verbal, non verbal, written, unwritten, implied or otherwise.

Under the Fair Credit Reporting Act, you have thirty ( 30 ) days from your receipt of this letter to re-verify these entries. According to this law, failure to re-verify these items within thirty ( 30 ) days constitutes reason to drop the information from my file. 

Also, 15 USC Section 1681i ( d ) requires that you notify me when the items have been deleted. Under 15 USC Section 1681j, there should be no charge for this notification or for the corrected copy of my report. Finally, please send me the names and addresses of all individuals you contacted so that I may follow up with them directly. Thank you for your assistance in this matter.
Consumer complaint received 2024-08-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

This complaint is filed under FCRA 605B ( 15 U.S.C. 1681c-2 ) to request the removal of fraudulent and inaccurate information appearing on my 3 Bureau ( XXXX ) Credit Report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I request that XXXX, Experian, and XXXX block and delete these items from my credit report within four ( 4 ) business days.
Consumer complaint received 2024-08-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-08-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NV)

RE : Dispute of 30 day late payments Dear Sir/Madam I am writing to dispute a 30 day late payment entry on my credit report. I have reviewed my report from your agency and found an inaccurate late payment entry. 

Account XXXX : XXXX XXXX  Date of late payment : XX/XX/year> This information is incorrect because my payment due date was XX/XX/year>. I have provided credit card statement documents showing that I made a XXXX full payments on XX/XX/year> and XX/XX/year>. Under the FCRA a 30-day late payment refers to a payment that is 30 days or more past the due. With my evidence showing full payments means that I was not late.
Consumer complaint received 2024-08-24
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. (OH)

I recently reviewed a copy of my credit report and noticed there are fraudulent accounts linked to my credit report that werent authorized by me, please remove the accounts that were stated in this report off of my credit report, they are hurting my ability to have a good credit score, thank you and have a great day!
Consumer complaint received 2024-08-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NV)

Subject : Formal Dispute of Credit Report Information Dear Experian I am writing to formally dispute the following information on my credit report. The details of the disputed item are as follows : Account Name : XXXXXXXX XXXX Date of Dispute : XX/XX/2024 I previously submitted a dispute regarding the accuracy of the information listed above. According to the Fair Credit Reporting Act ( FCRA ), I am entitled to request and receive all documents that were used in the investigation to verify the disputed information. 
I hereby request that you provide me with the following mandatory documents as required by the FCRA : XXXX. A copy of the original signed contract or agreement for the account in question. 
XXXX. Detailed records of all communications between the creditor and the XXXX XXXX XXXX regarding this account. 
XXXX. Any and all evidence used to verify the accuracy of the disputed information. 
Please ensure that the provided documents clearly verify that the information reported is 100 % accurate and true. If you are unable to provide these mandatory documents, I request that the disputed account be deleted from my credit report immediately. 

XXXX XXXX
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MA)

Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX, XXXX XXXX Date : XX/XX/year> Subject : Dispute of Incorrect Personal Information and Complaint Against Experian Representative Dear CFPB Representative, I am writing to formally dispute inaccurate personal information reported on my credit report and to file a complaint against a representative from Experian who has not resolved the issue. 

Personal Information : Full Name : XXXX XXXX Address : XXXX XXXX XXXX, XXXX XXXX, MA XXXX Phone Number : XXXX Issue Description : I have identified incorrect personal information on my credit report, which is in violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681. This section mandates that credit reporting agencies must maintain accurate and complete information. Despite my efforts to resolve this issue with Experian, it remains unresolved. 

Details of the Dispute : Incorrect Information : The personal information reported on my credit report does not accurately reflect my actual data. 
Previous Communication : I contacted Experian, the only reporting agency with this issue, and spoke with a representative named XXXX XXXX XXXX XXXX. Despite my request for correction, the issue has not been resolved, which is a violation of the FCRA. 
Requested Actions : Correction and Deletion : I request that all incorrect personal information reported on my credit report be corrected to reflect my accurate details and that any erroneous information be deleted. 
Complaint Against Representative : I also wish to file a complaint against the Experian representative XXXX from XXXX XXXX for failing to address my issue adequately. 
Legal Reference : Under the Fair Credit Reporting Act, 15 U.S.C. 1681i ( a ), consumers have the right to dispute inaccurate or incomplete information on their credit reports. The credit reporting agency is required to investigate and correct any inaccuracies. The failure to resolve this issue by Experian and their representative constitutes a breach of this legal requirement. 

I would appreciate your prompt attention to this matter and request confirmation of the actions taken to rectify the incorrect information on my credit report. Additionally, I seek your assistance in addressing the conduct of the Experian representative involved. 

Please contact me at the phone number provided above if you require any additional information or documentation to facilitate the resolution of this issue. 

Thank you for your assistance. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX Phone : XXXX
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. (MD)

This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ). 
Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.

I demand that the following items be deleted immediately from my credit report :
Consumer complaint received 2024-09-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (AZ)

Requesting access to my credit report online, XXXX, Equifax, XXXX XXXX, Unable to access my report. When I log into Equifax error BLNK, I was told call your agent, in which I did, and was told send in DL, SS, and which I have done with previous dispute, and I requested that you unblock me to have access to my credit information. I provided my Driver 's License, Social Security Card, Bank Statement, my Identity Theft report, and error message.
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC. (TX)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Consumer complaint received 2024-09-11
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 HAVE FILED A COMPLANT BEFORE WITH NO RESPONE BACK currently demonstrated in the above-mentioned report andbeing seemingly deficient ofcertainty of facts, with concerns to the adequately certifiablereporting process ( es ) and or format ( XXXX ), it can NOT be assumed your claims are within theminimal criteria forlawful and or ethical reporting, even should collection rights beunaffected, if evenapplies. In appreciation of the sufficient reporting safeguards, the belownotedclaim ( XXXX ) divulged versus me are contested as not being of a sure confirmation offactsand truth much less being certifiable in its essential compliant reportingprocess ( es ) and orthe mandatory XXXX XXXX format reporting. Being divergent of theexpected reporting caliber, the below contested reputed claims probity each is in astate of peril due to multipleaspects of ailment as indicated beneath, efface fromreporting ALL ASPECTS OF NEGATIVITY immediately and permanently. In accordancewith the Fair Credit Reporting ActSection 611 ( 15 U.S.C. 1681I ) and the understood STANDARDS of acceptable lawfulCOMPLIANT REPORTING STANDARDS such as XXXX XXXX XXXX Points of Compliance andother potentially applicable standards andor regulatory engrossments of reporting I amrendering this officially writ consumerCHECK OF COMPLIANT REPORTING andCHALLENGE versus any and all insufficientreporting and ineptitude to sufficientlydocument factual reporting verifiability ofvalidness, authenticity, accuracy, ownership ofresponsibility, completeness, and orcertifiability of the mandated compliant Procedure ofREPORTING and mandatorilyperfect complete certifiable XXXX XXXX FORMAT compliance ofreporting standard ( XXXX ). Ido not recognize the information listed below as having ever beendemonstrated tobe factual in solidity much less certified compliantly reported in themandatoryprocesses of reporting and with factual, accurate, and completely certifiedorderedformat of the XXXX XXXX COMPLIANCE STANDARD of reporting standard ( XXXX ) .PLEASEDELETE THE FOLLOWING ACCOUNT BELOW : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX