davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-04
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. (SC)

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 2024-09-20
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. (CA)

I am seeking your assistance regarding the false account listed on my credit report. This issue has negatively affected my reputation, and I am counting on your help. Due to the mishandling of my credit report, I have suffered greatly, and my reputation has been seriously harmed. You need to remove the incorrect information from my credit report.
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

So I had an issue with identity fraud and XXXX XXXX XXXX XXXX account went into collection and I disputed it in a first letter and it came off from collection but the account still shows up on my credit reports with negatives impacting my credit.
Consumer complaint received 2024-09-23
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. (CA)

I was a victim of identity theft. There is an inquiry on my Transunion credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiry is XXXX. XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-20
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. (NC)

have tried to fix this issue by reporting these fraudulent inquiries showing on my consumer report. You have caused me mental and financial stress when you issued an inquiry that does not belong to me and in which I am not responsible for. I'm a victim of identity theft and I'm seeking litigation if this complaint is not handled accordingly. Cause you know guys, I have not been able to purchase my dream car and provide for my family due to these inaccurate and fraudulent items. I attached a letter I previously sent.
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)

Account has been satisfied and the creditor is going to remove the account from my credit. Due to time, the creditor said that they have no control over how long itll take the bureaus to remove the debt. The creditor sent me the deletion letter, but XXXX in the midst of buying a house and need this deleted from my account asap, not up to 90 days later. 

Please remove the attached account from my credit immediately
Consumer complaint received 2024-08-28
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. (IA)

To Whom It May Concern, This letter serves as an urgent and final notice regarding the severe compromise of my Social Security number, leading to my identity being stolen and fraudulent information appearing on my credit report. I have already filed an FTC Report, which is enclosed with this letter. I expect immediate action from you. Under 15 USC 1681c-2 ( a ), you are legally obligated to block and remove any information associated with identity theft from my credit report within four business days of receiving a valid complaint. I demand that you comply with this law immediately. 

Fraudulent Account Information : XXXX XXXX XXXX XXXX XXXX - The XXXX XXXX breach messed with my info, and now I'm seeing some sketchy stuff on my credit report. These claims aren't verified, and by the rules, you can't report them as legit without proof. I want evidence you're following compliance standards for this account. The FTC is looking into this, so take those unverified claims off my report. 

XXXX - XXXX The XXXX XXXX breach messed with my info, and now I'm seeing some sketchy stuff on my credit report. These claims aren't verified, and by the rules, you can't report them as legit without proof. I want evidence you're following compliance standards for this account. The FTC is looking into this, so take those unverified claims off my report. 

XXXX XXXX XXXX XXXX - XXXX The XXXX XXXX breach messed with my info, and now I'm seeing some sketchy stuff on my credit report. These claims aren't verified, and by the rules, you can't report them as legit without proof. I want evidence you're following compliance standards for this account. The FTC is looking into this, so take those unverified claims off my report. 

XXXX XXXX XXXX XXXX - XXXX The XXXX XXXX breach messed with my info, and now I'm seeing some sketchy stuff on my credit report. These claims aren't verified, and by the rules, you can't report them as legit without proof. I want evidence you're following compliance standards for this account. The FTC is looking into this, so take those unverified claims off my report. 

Listed below are the Inquiries that are being challenged : XXXX XXXXXXXX - XXXX My Identity was stolen, and my personal information has been impacted by a data breach! This company has requested and obtained a copy of my consumer report without my consent or permissible purpose in violation of the Fair Credit Reporting Act (? FCRA? ). Delete this from my report! 

XXXX XXXXXXXX - XXXX My Identity was stolen, and my personal information has been impacted by a data breach! This company has requested and obtained a copy of my consumer report without my consent or permissible purpose in violation of the Fair Credit Reporting Act (? FCRA? ). Delete this from my report!
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. (NY)

I'm writing this letter to inform you I have found inaccurate information on my credit report. The following information is fraudulent and I have no relationship to it. 


XXXX XXXX # XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (LA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I am writing to dispute the following information in my file, and have noted the relevant disputes. Upon a closer review, I found several accounts and credit inquiries that had been hit by my name aside from those which were unauthorized or unrecognized XXXX  the postings do not seem appropriate to my credit history ; but are incorrect account entries, or are accounts created due to identity theft. Due to the presence of these incorrect items, it has lowered my credit score and affected some personal finance. This has been a major worry as i have wrongful bad credit being attached to my file which in turn is not true history of how i use, spend or manage money.
Consumer complaint received 2024-09-20
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. (NY)

In accordance with the fair credit reporting act these creditors have violated my rights! Under 15 U.S.C 1681 Section 602 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 refurnish 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 ''.

I demand that the following accounts be removed immediately XXXX XXXX XXXX XXXX Charge-Off account. XXXX XXXX XXXX XXXX Charge-Off account.

I am also requesting monetary compensation for each violation.
Consumer complaint received 2024-09-11
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. (FL)

It has come to my attention that although I have written several letters asking for validation of debt, audit trails I am not getting any response because of the automated system you have in place which in fact is a violation as well.. 

When it comes to uploading my documents on your portal, it is difficult for the consumer to upload the pending documents needed to expedite my dispute claim. That is a violation of my consumer rights. I have reported this concern on several occasions. 


Today, I am demanding these accounts to be removed immediately off my credit as it is in violation to the following federal constitutional laws : 15 USC 1681 ( a ) ( e ) 15 USC 1691 15 USC 1601 15 USC 1692 I am afraid these three credit reporting agencies have not been exercising the grave responsibilities that were given to them with fairness, impartiality, and a respect for the consumers privacy. 
I did not give consent to these accounts. 

Or permissible purpose. 

I have remained humbled despite the stress, abuse, and harm thee three credit reporting agencies have done to me.
Consumer complaint received 2024-09-25
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MI)

My account with this company is being reported late and i was never late! I have had exceptional payment history with this company and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in MONTHS REPORTING LATE to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

This company never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports.
Consumer complaint received 2024-09-04
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. (FL)

In accordance with the fair credict reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidenciallity under 15 USC 1681. The accounts bellow have violated my rights.

15 USC 1681 section 602A, States I have the right to Privacy.

15 USC 1681 Section 604A section 2 : It also States a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1681C ( a ) ( 5 ) section states ; no consumer reporting agency may make any consumer report containning 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 USC 1681s-2 ( A ) ( a ) 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 -CBC/ XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX EXperian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XX/XX/XXXX Experian
Consumer complaint received 2024-09-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

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 2024-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Im confident I pay on time every month, but I dont know why this company says Im late. According to USC 1666b, errors need to be corrected, and the account should be marked " paid on time. ''
Consumer complaint received 2024-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I am writing to you as the holder of account number XXXX for my credit card, to report an issue negatively impacting my credit report. This issue appears to be in violation of the provisions of 15 U.S. Code 1666b and other relevant sections of the Fair Credit Reporting Act ( FCRA ).

According to 15 U.S. Code 1666b, creditors must send periodic statements, including all information required by section 1637 ( b ), at least 21 days before the payment due date. This requirement ensures that consumers have sufficient time to receive, review, and make necessary payments without being unfairly penalized for late payments. 

Additionally, the FCRA, specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files.

I have identified that the statements for my credit card, have not been delivered in compliance with these requirements, resulting in the appearance of late payments on my credit report. This non-compliance has adversely affected my credit score.

Furthermore, I would like to refer to the Protection Against Non-Payment of Obligations Act ( PAANL ), which establishes that creditors must ensure timely delivery of statements to avoid unfair penalties to consumers. 
I formally request that you investigate and correct any inaccurate information related to these late payments on my credit report. Below are the details of the affected payments : Date of reported late payment : XXXX XXXX. 

I would appreciate your prompt attention to this matter to rectify any errors in my credit report. I am willing to provide any additional documentation necessary for your investigation.
Consumer complaint received 2024-09-01
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: Experian Information Solutions Inc. (DE)

i think it was on XX/XX/XXXX that an unknown person took out a XXXX loan on my credit card and i am trying to just get a police number to write on the paperwork.
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. (FL)

I am writing to formally request the removal of several unauthorized accounts and inquiries from my credit report. These accounts and inquiries are not associated with me, and I did not authorize their inclusion on my report. The presence of these inaccuracies is the result of a data breach that has adversely affected my credit standing, leading to a significant drop in my FICO score.

Upon a thorough review of my credit report, I identified multiple accounts and inquiries that I do not recognize or authorize. These inaccuracies have led to negative remarks on my credit report, which are unjustly damaging my credit score and financial reputation.

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of all unauthorized accounts and inquiries.
Consumer complaint received 2024-09-20
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. (IL)

I DONT HAVE PUBLIC RECORDS ON MY REPORT, PLEASE AND I'M BEGGING YOU TO DELETE THIS INACCURATE DETAILS ON MY REPORT ASAP, THIS GIVING ME XXXX  AND I WON'T ALOW IT.
Consumer complaint received 2024-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I am writing to dispute the inaccurate reporting of my mortgage account # XXXX by XXXX XXXX XXXX XXXX to the credit reporting agencies XXXX, XXXX, and TransUnion. My mortgage account was placed on a hardship payment deferment program from XX/XX/XXXX until the mortgage loan was paid off in XX/XX/XXXX due to the financial hardships I faced as a result of the XXXX pandemic. My account should never have been listed as late. 

During the course of the hardship assistance program, I encountered numerous challenges and discrepancies in dealing with XXXX XXXX XXXX XXXX. The process was plagued with delays, lost paperwork, unresponsiveness, and conflicting information from your representatives. In XX/XX/XXXX, despite being assured that everything was in order, I discovered that my home was in foreclosure, which forced me to take immediate action, including temporary bankruptcy filing, to avoid losing my home. 

Furthermore, the obstacles I faced in receiving a {$50000.00} Virginia XXXX grant to help with my mortgage payments were compounded by the difficulties imposed by XXXX XXXX XXXX XXXX. These experiences have led me to believe that the actions of your representatives were intentionally obstructive and designed to put me at a disadvantage in order to facilitate the bank 's financial gain through foreclosure. I have detailed records of correspondence with your representatives as evidence as well as recorded phone calls. 

The inaccurate reporting of my account as late on my and the co-buyer ( XXXX XXXX ) credit reports ( 8 instances of 180 days late, 1 instance of 150 days late, and 1 instance of 60 days late ) is misleading but also severely impacting my ability to secure credit and adequate living arrangements. I demand that XXXX XXXX XXXX XXXX correct my account to reflect that payments were made as agreed and that no late payments occurred. 

Failure to rectify this erroneous reporting promptly will leave me with no choice but to pursue legal action to protect my rights. This may include seeking restitution for the legal fees incurred, compensation for damages suffered, and punitive damages for the undue stress and hardship caused by the actions of XXXX XXXX XXXX XXXX. 

I hereby request a timely response from XXXX XXXX XXXX XXXX and urge for the immediate correction of the erroneous late payments on my loan account. Your cooperation in this matter expediently is appreciated. 

Thank you for your attention to this urgent issue.