davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-01
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. (FL)

While reviewing my credit report, I identified two negative items that I believe are inaccurate. These items are listed under " XXXX XXXXXXXX XXXX  '' and " XXXX XXXX XXXX. '' After thorough examination of my records and accounts, I found discrepancies and issues with these entries that prompted me to dispute them. 
from XXXX dispute Department and Transunion Consumer Solutions.
Consumer complaint received 2023-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

I have two credit cards showing on my credit report from USAA, however, neither of these accounts are mine. I have a relationship with USAA, but only as the provider for my checking / savings accounts, never as a credit card servicer. 

The credit cards were likely a result of identity theft, as the address on the account was an address I have not used in several years ( XXXX XXXX, FL vsXXXX XXXX XXXX  FL ). I have spoken to USAA in depth about these accounts ; they have assured me they would be removed, but to date, they have not been removed or adjusted to reflect a dispute. This is preventing me from getting credit with anyone, including USAA.
Consumer complaint received 2024-08-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Based on the guidance from the Consumer Financial Protection Bureau ( CFPB ), I am providing the necessary documents : a picture ID, a utility bill, and a letter from an advocacy group assisting me as a victim of XXXX XXXX XXXX XXXX which is categorized under XXXX as per XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ). I kindly request that you remove this information from my credit report within four business days, in accordance with Section 605C of the Fair Credit Reporting Act. I have provided identification and the required documents from the list of acceptable items, of which only two are legally required. Additionally, I have included a victim determination letter as specified in 1022.142 ( b ) ( 6 ).
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (SD)

I am one of the poor soles that wasn't saved by Joe Biden 's handouts and have paid my student loans XXXX, XXXX, XXXX, XXXX, & XXXX off totaling around XXXX dollars. 

XXXX has not reported the correct information to the credit reporting agency and when I dispute the info they do nothing. They have reported that I am making small payments on these loans when they have been paid off since XXXX. 

As a straight white male who does not receive these free gifts from Joe Biden, I am reliant on my credit score and need it to be accurate for my livelihood.

Again, I didn't vote for Joe Biden. I just want my loans reported accurately.
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: Experian Information Solutions Inc. (NC)

Why do the negative accounts still remain on my credit report until now, even though I have long wanted to have them removed? I have filed numerous complaints about this, yet they have taken no action. I now want the negative accounts to be removed and the responsible parties to be fined appropriately because their inaction has greatly affected me
Consumer complaint received 2024-08-01
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. (NJ)

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.
Consumer complaint received 2024-10-23
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. (FL)

I'M IN DISAGREEMENT WITH THE ACCOUNT LISTED BELOW WHICH STILL APPEARS ON MY CREDIT REPORT, EVEN AFTER YOUR INVESTIGATION. 
I WOULD LIKE THIS ITEM IMMEDIATELY RE-INVESTIGATED. THE INACCURACIES ARE HIGHLY INJURIOUS TO MY CREDIT SCORE 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  IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT, PUBLIC LAW 91-506, TITLE VI, SECTION 611, PLEASE PROVIDE THE NAMES AND BUSINESS ADDRESSES OF EACH INDIVIDUAL WITH WHOM YOU VERIFIED THE ACCOUNT, SO THAT I MAY FOLLOW UP.

PLEASE SEND ME AN UPDATED COPY OF MY CREDIT REPORT AFTER YOUR CREDIT INVESTIGATION,
Consumer complaint received 2024-08-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

This letter is a request of the steps that your company took when investigating the disputed items. Please send me a detailed explanation of how you obtained theses results. Did you receive written notification from the company or was it a verbal confirmation? Also, I would like the address you mailed the request to or the phone number you used to contact them. Please do not send me a generalized response showing the normal investigation procedures. I am requesting a detailed explanation of how you received these specific responses. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-02
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)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-10-24
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. (CA)

I am writing to formally dispute inaccurate information being reported on my credit report regarding a charge-off. The account in question is listed as follows : Creditor Name : XXXXXXXX XXXX Account Number : XXXX Date of Charge-Off : XX/XX/year> It has come to my attention that the charge-off is being reported month after month on my payment history, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should only be reported once, corresponding to the date it was charged off. 

The FCRA requires that credit reporting agencies ensure the accuracy of the information they report ( 15 U.S.C. 1681e ( b ) ). Repeatedly reporting the charge-off each month results in a misleading and inaccurate credit report, which has significantly harmed my credit score. Additionally, the statute of limitations for reporting a charge-off is seven years from the date of the first delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ). Continuously reporting this charge-off as a new event each month does not reset the statute of limitations and is improper. 

I request that you promptly investigate this account and correct the inaccurate information by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide me with a confirmation of these corrections. 

Thank you for your prompt attention to this matter.
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (IL)

XXXX decided it would be wise to only keep specific loans in good standing while attempting to default and charge off other loans. In the charge off process I paid them {$2000.00} with disbursements from XXXX XXXX XX/XX/XXXX. XXXX XXXXXXXX stated that they had a crash in their server and XXXX took back their loans. Keep in mind, XXXX XXXX XXXX XXXX notified me of any discrepancy. Two loans are in good standing : XXXX : XX/XX/XXXX and XXXX : XX/XX/XXXX. WHY ARE THE LOANS FOR XXXX : XX/XX/XXXX and XXXX : XX/XX/XXXX in charge off status? The only excuse I received was XXXX decided only a fee should have in school deferment, bankruptcy status, forbearance, etc and not all of my loans. This is criminal and discrimination.
Consumer complaint received 2024-10-23
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. (GA)

I had an item in dispute regarding an account with XXXX XXXX which is listed on my experian credit report. I applied for a mortagage and requsted that the remarks associated with the account be removed from my credit report as this was preventing me from obtaining a mortgage but this remark is still on my credit reoprt. My credit report is still showing that the item is disputed by the consumer. I have written more than XXXX letters to experian requesting the remark on the account to be removed and it's still on my credit report. I spoke to specialist on Monday XXXX XXXX and I was informed that the remarks was not on my credit report and I would get a copy of my credit report in the mail to prove that the remark was removed. I recevied the credit report XX/XX/year> which was dated as XXXX XXXX and the remark is still on my report. This remark on my credit report is causing me great harm and is affecting my ability to get this loan which I need urgently because I have already sent in a letter to my landlord terminating my lease at my apartment. I ask that this matter be address because experian is reporting inaccurate information on my creit report saying I am disputing an account which I am not.
Consumer complaint received 2016-06-09
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have submitted several disputes and letters to Transunion regarding inaccurate information they are reporting on my credit file for XXXX and XXXX XXXX XXXX Credit Card. I have sent them proof from my bank showing timely payment being made on both accounts going back to 2015 yet they have n't responded to any of my letters. The inaccurate information has caused my credit score to drop and I want it removed ASAP!
Consumer complaint received 2024-08-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I received a alert of my showing that I had a inquiry from XXXX XXXX on XX/XX/year> I was not aware And another XXXX XXXX XXXX XXXX XXXX on XXXX XXXX I call Trans Union to verify the mistake as I explained to representative its shows on my file that with Trans Union that I do have a XXXX XXXX XXXX XXXX that am aware not this new Inquiry and XXXX XXXX show I applied with them on XXXX so please remove this inquirys Thank you
Consumer complaint received 2024-08-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

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 2024-10-23
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)

My name is XXXX XXXX XXXX and Social Security Number : XXXX, and Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian 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 credit cards from 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. 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 # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 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: Experian Information Solutions Inc. (TX)

Consumer Name : XXXX XXXX XXXX Social Security Number : ( XXXX XXXX  ), Consumer Date of Birth : ( XXXX  XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX. XXXX XXXX XXXX Original creditor : AXXXX XXXX {$1300.00} XXXX. XXXX XXXX XXXX {$65000.00} XXXX. XXXX XXXX {$77000.00} XXXX. XXXX  XXXX XXXX {$14000.00} XXXX. XXXX  XXXX XXXX {$20000.00} XXXX. XXXX  XXXX XXXX {$8600.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer 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 XXXX XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 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: Experian Information Solutions Inc. (FL)

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had XXXX late payment on an account that i was in fact paid on time. The consumer reporting agencies need to report all the information with complete accuracy. This account has not been late on payments ; I've attached a copy of my report to this complaint on the following dates ( XXXX XXXX ) I'm now requesting you investigate this account and update these payments to " paid on time '' immediately. Thank you for your understanding and prompt action.
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NV)

I am writing to formally file a complaint regarding inaccurate information on my credit report. On XX/XX/year>, I notified each credit bureau that as a federally protected consumer, I opted out of any and all authorizations, verbal, non-verbal or written and unwritten, per 15 USC 6802 in accordance with the Fair Credit Reporting Act ( FCRA ). 

Despite this notification, my credit report continues to reflect inaccurate information that should not be present. This situation is not only affecting my credit score but also my ability to secure credit and other financial opportunities. 

I request that the CFPB take appropriate action to ensure that all inaccurate information is investigated and removed from my credit report promptly. 

Thank you for your attention to this matter. I look forward to your prompt response.
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: Experian Information Solutions Inc. (VA)

I am urgently requesting your immediate attention to a critical matter : I have been a victim of identity theft, resulting in multiple fraudulent accounts and inquiries being added to my credit report without my knowledge or consent. 

ACCOUNTS ( XXXXXXXX XXXX XXXX XXXXXXXX ) ( XXXX XXXX XXXX ) ( XXXX XXXX XXXX XXXX ) ( XXXXXXXX XXXX XXXX XXXXXXXX ) INQUIRIES XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Despite numerous attempts to contact the credit bureau to resolve this issue, I have received no response or action. I have already filed an official identity theft report with the Federal Trade Commission ( FTC ), and I am now urging the swift removal of these unauthorized items to restore the accuracy of my credit report.
Consumer complaint received 2022-10-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (TX)

XXXX XXXX XXXX XXXX? XXXX XXXX XXXX, and XXXX XXXX XXXX continually put things back on my credit that I have been disputing and they are over 7 yrs. I went through a nasty divorce and so much is not my responsibility but I have had to ride out the 7 yrs. I will never use XXXX XXXX again. There is obviously a theme. 

I cant afford credit reporting so I can see all bureaus but these are on both Equifax and XXXX. Im guessing these have been reported to XXXX too.
Consumer complaint received 2024-08-02
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. (GA)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, XXXX, and XXXX.
Consumer complaint received 2024-08-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

In accordance with the fair credit reporting act. The liftoff accounts below has violated my federal protected consumers rightist privacy and confidentiality under 15 USC 1681. 15 U.S.C 1681 SECTION 602 A. States I have the right to privacy.

An according to 15 USC 1681 EB they are supposed ensure this whenever a consumer reporting agency prepares consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

15 U.S.C 1681 C ( A ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information any adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681 s-2 ( A ) ( 1 ) a person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 


Accounts : XXXX  XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX  XXXX ; XXXX XXXX ; XXXX XXXX ; XXXXXXXX XXXX  ; XXXX XXXX  ; XXXX XXXX XXXX  ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX