davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

TransUnion 's Violation of the Fair Credit Reporting Act - Urgent Assistance Needed Dear Consumer Financial Protection Bureau, I am writing to formally request your assistance in addressing an ongoing issue with TransUnion, who I believe has repeatedly violated my rights under the Fair Credit Reporting Act ( FCRA ). 

On three separate occasions, I have disputed incorrect bankruptcy information listed on my credit report, and each time, TransUnion has failed to conduct a proper investigation. 

The details are as follows : - XX/XX/year> : I submitted my first dispute regarding the incorrect bankruptcy information. TransUnion claimed to have investigated the issue, but the record remained unchanged. 

- XX/XX/year> : I filed another dispute, and on - XXXXless than 12 hours laterI received an email stating that they had again investigated the matter and the record remained unchanged. 

Given the rapid response, it is clear to me that they simply reused the results from the previous dispute without performing a legitimate investigation. 

- XX/XX/year> : I made a third attempt to dispute the bankruptcy record. 

On XX/XX/year> at XXXX XXXX, I received yet another email indicating that TransUnion investigated the public record and found no changes. 

I requested in writing that TransUnion provide me with their method and procedures for investigating the dispute, but they have failed to respond appropriately. As of now, they have not provided any proof of proper investigation or compliance with the law. I am left with an incorrect bankruptcy record on my credit report that is not mine, and TransUnion is continuing to disregard my rights. 

The bankruptcy record in question belongs to my father, who has a similar Social Security number and previously lived at my address. I have never filed for bankruptcy, yet TransUnion refuses to correct this mistake. 

I am seeking your help in documenting this neglect and holding TransUnion accountable for their failure to comply with FCRA. If they do not remove this incorrect public record, I plan to take legal action. 

Please help me get the relief I am entitled to. TransUnion 's actions are not only irresponsible but deeply distressing, as they are profiting at the expense of consumers like me. 

Thank you for your time and attention to this matter. I look forward to your guidance and support. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Fidelity National Information Services, Inc. (FNIS) (CA)

XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Telephone : ( XXXX ) XXXX XX/XX/year> Chex Systems , Inc XXXX XXXX XXXX XXXX, MN XXXX Subject : Demand for Immediate Action Under 15 U.S.C. 1681c-2 ( a ) To Whom It May Concern, This letter is a formal and aggressive demand for immediate action regarding ChexSystems blatant failure to protect my personal information during your well-publicized data breach. Under 15 U.S.C. 1681c-2 ( a ) of the Fair Credit Reporting Act ( FCRA ), you are legally required to block fraudulent information from appearing on my credit report within four business days of receiving notification. I expect nothing less than full compliance with this law. 
Due to your gross negligence and failure to secure my personal data, my private information was compromised. I am holding ChexSystems fully responsible for any consequences, including but not limited to unauthorized credit inquiries, fraudulent accounts, and damage to my creditworthiness. I hereby demand the following actions be taken immediately : 1. Block all fraudulent information related to this breach from my credit report as mandated by 15 U.S.C. 1681c-2 ( a ).

2. Provide written confirmation of the fraudulent information blocked, as well as a full investigation report.

3. Confirm in writing that you will not provide any further fraudulent information to any third-party credit furnishers or reporting entities.

4. Ensure that I am provided with a free copy of my updated credit report, as I am entitled to under FCRA regulations. 
Failure to comply with this demand will leave me no choice but to pursue every available legal remedy, including but not limited to filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and exploring civil action under the FCRA. I will also notify my state attorney general if this matter is not resolved promptly. 
This is your final notice to take corrective action regarding your mishandling of my sensitive data. Any further delay or failure to respond in accordance with your legal obligations will result in immediate escalation. 
The following accounts have appeared on my credit report please have them remove promptly : Ive listed each account : 1. XXXX  XXXX XXXX XXXX Account Number : XXXX Remove incorrect address : XXXX XXXX XXXX XXXX , Ca XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ca XXXX Old email address : XXXX Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Sincerely , XXXX XXXX Enclosures : Proof of Identity Affidavit of Identity Supporting Documentation
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Southwest Credit Systems, L.P. (TX)

I am filing a complaint against Southwest Credit Systems for inaccurately reporting account # XXXX. The reported debt reflects improper re-aging of the Date Last Active and a Past Due status, which is not applicable to collection accounts. Additionally, the original creditor never verified the debt, and I did not receive notice of the debt or its purchase by Southwest. 

Furthermore, my personal information was compromised in a data breach, and the original creditor was notified. The debt was forgiven, and I received a 1099-C for cancellation. This debt should have been removed entirely under FCRA Section 605B ( 15 U.S.C. 1681c-2 ).

Given Southwest Credits history of consumer lawsuits for violations, I request the immediate deletion of this account to avoid further legal action.
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: U.S. BANCORP (CA)

These following accounts has been officially discharged under 11 U.S.C. 727, which protects me from any further obligations regarding this debts. As a result, all related accounts must be updated to reflect a Balance of XXXX, Account History of None, and Showing Status of " Discharged in bankruptcy '' should be reported to credit agencies. It is critical that these updates are made to ensure compliance with the Bankruptcy Discharge law. The fact the accounts show a numeric ( due balance ) history could be interpreted as debt owed by consumer, for which I'm protected against. Please Update. 

Any institution that fails to adhere to these regulations will be subject to legal action. This applies to all creditors involved in this matter as well as to any credit reporting agencies that inaccurately report information contrary to the discharge. I expect this situation to be rectified promptly to avoid any further complications. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (TX)

There was an alleged credit card opened in my name sometime in XXXX with XXXX XXXX and or XXXX XXXX. I got a collection notice in XXXX and disputed, requesting full account history to verify debt. Debt was sold off 3 times and is now with Resurgent capital services REF ID # XXXX. I have been in contact via website, phone & email for a year and a half. I asked for a full account history showing when this account was opened, all charges, fees, interest and payments made. Resurgent sends me a 1 page stmt with a closing date of XX/XX/XXXX showing a previous balance of {$500.00}, new late fee {$39.00} and new interest for {$11.00} for a total bal due of {$550.00}. This account is not mine. They can not provide me with a full account history. I have asked and disputed several times. I contacted XXXX XXXX XXXX and they stated teh debt is to old to pull an accounting history and they could not provide it either. Resurgent is reporting this as a newer debt on my credit file as of XX/XX/XXXX. Based on the 1 page acct stmt they send me, this account was opened either in XXXX or XXXX. They are not reporting hte original creditor or the original dates on my credit file. I never had an account with XXXX XXXX XXXXXXXX. I want a full account history to verify this debt, not just a 1 page stmt telling me that there is a previous balance of {$500.00} and your new balance is {$550.00} with a credit limit of {$300.00} and a stmt closing date from over 3 years ago- XX/XX/XXXX. I disputed many times. Please remove this from my credit file. This debit has not been verified, I have no idea what it is, when or how it was opened, what was charged to the account.
Consumer complaint received 2024-10-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (FL)

I am writing in regard to the alleged debt you are attempting to collect. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 1692g Sec. 809 ( b ), I dispute the validity of this debt in its entirety and request that you provide me with full validation of the same. 

Please provide the following information : Proof that I am responsible for the debt : Documents demonstrating that I owe this debt. 
Details of the debt : A detailed explanation of the amount owed, including a breakdown of all charges and payments applied. 
Name and address of the original creditor : If this debt has been sold or transferred, I need to know the name and address of the original creditor. 
Proof of your authority to collect this debt : Documents showing that your agency has the legal authority to collect this debt on behalf of the original creditor.
Consumer complaint received 2024-10-28
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. (FL)

Account XXXX Dear Sir or Madam : I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. [ Identify item ( s ) resulting from XXXX  that should be blocked, by name of the source ( such as the credit card issuer or bank ) and type of item ( such as credit account, checking account, criminal conviction, utility account, etc. ). It may also be helpful to include XX/XX/year> and XXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter. Sincerely, XXXX XXXX
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MD)

In accordance with the Fair Credit Reporting Act this creditor has violated my rights ; under 15 U.S.C 1681 section 602 states I have the right to privacy. 15 U.S.C 1681 section 604A section 2 also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 U.S.C 1666B a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (CA)

I attempted to end a security freeeze on Experian using both their online portal and over the phone. 

The phone support was completely automated ( I was completely unable to get to a real person even after spending 2 hours and researching online ). I did have the freeze PIN which should have been enough to get me to unfreeze my account but it would just tell me to use the website ( even after a used a valid PIN ). 

On the website itself, it is accepting my username/password but then forces me to request a credit report to proceed. At this step, on providing my info to do so, it shows a server error with not further explanation on why it happened. It simply gives the support number. 

I have also tried to upload documentation as suggested on their site to proceed XXXX XXXX XXXX Researching online, I was told that there were quite a few other people in the same situation who were forced to get pay up for a premium account to be able to then unfreeze their account.
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (OH)

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 2024-10-27
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)

To my complete surprise, I discovered incorrect accounts on my credit report today, and Im at a loss as to why. I do routine checks on my credit report, so seeing these errors appear was deeply unsettling. I thought maybe a refresh on my browser would fix it if it was a temporary issue, but it didn't change anything. Im now asking that my submitted documents be carefully reviewed to ensure this never happens again.
Consumer complaint received 2024-10-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (OH)

All three Credit Reporting Agencies have violated my right to privacy. 15 USC 1681 section 602. According to 15 USC 1681 section 604 ( a ) ( 2 ), I have not given my written consent to neither one Credit Reporting Agency to furnish my personal information. Lastly, they are all in violation of 15 USC 1668 ( b ). A creditor may not treat a payment on a credit card account under an open end consumer plan as late.
Consumer complaint received 2024-10-28
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)

Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these accounts are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the banks directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ACCOUNT? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy.

Please CORRECT the account, or inaccurate information, from my file immediately XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-10-28
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Experian Information Solutions Inc. (NJ)

This account XXXX XXXX  Account number XXXX engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to 15 USC 1666b it is a billing error I did not receive a statement 21 days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full.
Consumer complaint received 2024-09-26
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. (AR)

Improper use of my credit report. In accordance with the fair credit reporting act, this creditor has violated my rights under 15 USC 1681 section 602, states I have the right to privacy, 15 USC 1681 section 604A section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B, a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late foranypurpose.
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)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Date : XX/XX/year> Experian XXXX XXXX XXXX XXXX XXXX XXXXXXXX Re : Dispute of Collections Account # [ XXXX Dear Sir/Madam, I am writing to formally dispute the collections account listed on my credit report ( XXXX XXXX XXXX XXXX XXXX XXXX under the account number referenced above. Under 15 U.S. Code 1681i, I have the right to dispute any information on my credit report that I believe to be inaccurate, incomplete, or unverifiable.

I demand that you conduct a full investigation of this account in compliance with Section 1681i ( a ), which requires that the information be verified, corrected, or deleted if it can not be substantiated. As per Section 1681s-2, it is also the responsibility of the furnisher of information to ensure the accuracy of the data they are providing to the credit bureaus. 

Furthermore, under the Fair Debt Collection Practices Act ( FDCPA ), a collections account must be fully validated with supporting documentation from the original creditor. If such validation can not be provided, this account must be removed from my credit report immediately. 

I expect this matter to be resolved within 30 days as required by law, and I look forward to your timely response. 

Thank you for your attention to this urgent matter. 

Sincerely, XXXX XXXX XXXX XXXX
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. (TX)

I kindly ask for the removal of this inaccurate account from my credit report, as it is not associated with me and I did not authorize its creation. Attached are the necessary documentation to support my position. I appreciate your prompt attention to this matter and your efforts to correct this issue by removing the account from my credit report. Your swift response to this concern is greatly appreciated.
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

I, XXXX XXXX XXXX XXXX XXXX, am filing this complaint with the Consumer Financial Protection Bureau ( CFPB ) against Experian Credit Bureau due to their repeated violations of the Fair Credit Reporting Act ( FCRA ) in relation to their failure to delete fraudulent accounts and inaccurate personal information on my credit report, as well as their disregard for identity theft protections and response requirements. 

Despite two formal communications dated XX/XX/year>, and XX/XX/year>, Experian has not complied with the law by failing to remove fraudulent accounts, incorrect addresses, and name variations from my credit report. I am the direct, sole correspondent regarding these disputes ; no third party represents me in this matter. 

Applicable FCRA Sections Violated : FCRA Section 605C ( 15 U.S.C. 1681c-2 ( a ) ) Mandates that fraudulent information resulting from identity theft be blocked and deleted within four ( 4 ) business days of receipt of proper documentation. Experian has exceeded this statutory timeframe, leaving fraudulent accounts active despite my repeated requests and all required documentation. 

FCRA Section 611 ( 15 U.S.C. 1681i ) Requires that consumer reporting agencies conduct a reasonable investigation and notify the consumer of the results within 30 days. Although Experian claims to have approved deletions as of XX/XX/year>, the fraudulent items remain on my report, indicating a failure to complete this process within the timeframe. 

FCRA Section 604 ( 15 U.S.C. 1681b ) Limits the furnishing of consumer reports to entities with explicit consumer authorization. I have never authorized any of the listed fraudulent accounts, and Experians reporting of unauthorized accounts violates this section. 

18 U.S.C. 1028A Provides federal protections against identity theft. XXXX failure to remove the fraudulent accounts after being notified of identity theft disregards these protections and perpetuates harm to my identity and financial reputation. 

Details of Non-Compliance : On XX/XX/year>, I spoke with an Experian representative who confirmed that my dispute had been approved and that deletions were forthcoming. However, despite this acknowledgment, all disputed items remain on my credit report, which is a serious breach of my consumer rights under the FCRA.