davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-04-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (PA)

Experian fails to delete false information inserted to my credit report. Experian 's failure to properly investigate this matter has caused denial of credit due to their negligence. 
XXXX has attached a MIXED FILE to my credit report, yet refuse to correct and delete this knowingly false and damaging information. XXXX avoids their legal requirements by stating I am to send them a police report. This is NOT identity theft, this is ( Mixing files ) in which they fail to correct when required by law, and they willfully neglect to correct and continue to cause damage. They give two names which neither belongs to me. XXXX has failed to respond to my complaint. XXXX has failed to respond to CFPB complaints. XXXX uses XXXX to attempt to collect on false debt yet does not have ownership required by law. Multiple violations by XXXX and Experian.
Consumer complaint received 2024-10-03
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. (MN)

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 2024-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK (FL)

To Whom It May Concern, I am writing to formally dispute the inaccurate information reported by Discover Bank regarding account number XXXX ( XXXX and XXXX ) and XXXX ( XXXX ) as detailed in my credit reports. I believe that this account contains erroneous information that violates the Fair Credit Reporting Act ( FCRA ), and I am requesting the removal of this account from my credit reports. 

Inaccuracies and Violations : Inconsistent Reporting of High Credit : XXXX : {$6900.00} XXXX : {$0.00} XXXX : {$6200.00} Violation : Under 15 U.S.C. 1681e ( b ), consumer reporting agencies must follow reasonable procedures to ensure maximum possible accuracy. Reporting a high credit of {$0.00} when there is a known balance is misleading and inaccurate.

Misleading Payment Status : All bureaus report the payment status as " Collection/Chargeoff, '' which does not accurately reflect my payment history and efforts to resolve this account.

Violation : Under 15 U.S.C. 1681s-2 ( a ) ( 2 ), furnishers of information must provide accurate information regarding accounts. 
Discrepancies in Account Status : The " Date Last Active '' varies significantly across reports : XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX Violation : This inconsistency violates 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681g ( a ) ( 1 ), which require accurate and complete information in consumer credit reports. 
Inaccurate Last Reported Dates : The last reported dates are inconsistent : XXXX & XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX Violation : This discrepancy violates 15 U.S.C. 1681e ( b ).

Negative Comments Misrepresentation : Comments indicate a charge-off and profit and loss write-off that mislead potential creditors regarding the account 's status.

Violation : Under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ), furnishers must not provide information known to be inaccurate or misleading.
Consumer complaint received 2022-05-05
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc. (CT)

My cash app account does not seem to show full transaction history, from account opening until closing, the history is needed in order to locate transactions not listed in app. My current cash app ID is $ XXXX There are other transactions listed under other IDs which I do not have access to, do not recall email addresses of. However, my billing addresses include XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX  XXXX as well as current address at XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX
Consumer complaint received 2023-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX  sent two letters to Transunion to Remove the following accounts. 
XXXX XXXX balance of XXXX account was to be deleted immediately by all Credit companies as they are no longer collecting or pursing. 
XXXX XXXX balance of XXXX. 
These two accounts are in direct violation of my fcra rights I have two letters from the bank ordering the bureaus to delete this erroneous information.
Consumer complaint received 2024-10-03
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)

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are supposed to 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.

Negligence of this law within the FCRA activates your company to be liable for damages sited in 15 USC 1681n and 15 USC 1681o. 

Please Delete XXXX XXXXXXXX from my credit report because of multiple violations of the Fair Credit Reporting Act!
Consumer complaint received 2023-08-10
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Dynamic Collectors, Incorporated (WA)

I was served tonite by a processor server at XXXX XX/XX/23. The court stamps are NOT legible to see where it came from and the date stamp from the court is dated XX/XX/23. Im suppose to respond within 20 days The case number listed by the lawyer representing the collection agency is not real. They are also suing me with a XXXX doe and Im not married they listed marital community. I did a state search and found a completely different case number not even similar, the case number on the papers are only 6 digits versus the 9 digits including letters in the wa court database. The order is also dated XX/XX/23 a month before the order was filed. The suit is for a medical bill for {$390.00} that I havent received any correspondence from. The debtors have also added interest and fees pushing the amount to over {$700.00}. This same lawyer and collector did this previously waited a month to serve my employer after they filed exparte where I wouldve shown up to proof the debt was paid. After they garnished my checks and then had the money returned due to this debt being paid. Also the lawyer and the collection agency work from the same address
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have reached out to the company and have not gotten any results the dates on these accounts are incorrect. The months are different on other bureaus and these accounts need to be removed because the information does not match across all three bureaus. 

XXXX. XXXX XXXX XXXX XXXX XXXX-Account XXXX XXXX XXXX XXXX XXXX-Account XXXXXXXX XXXX XXXX XXXX-Account XXXX XXXX. XXXX XXXX XXXX
Consumer complaint received 2024-10-02
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. (FL)

I am writing to formally request the removal of certain adverse credit information from my credit report. As a victim of XXXX XXXX, specifically debt XXXXwhich falls under XXXX as defined by the XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 and 1002.142 ( b ) ( 7 ) I have incurred debts that are a direct result of this criminal activity. 
Per the guidance from the Consumer Financial Protection Bureau ( CFPB ), I am providing a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX 
According to Section 605C of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), credit reporting agencies are required to block and remove any adverse information resulting from XXXX XXXX within four business days upon receipt of sufficient documentation. Furthermore, 12 C.F.R. 1022.142 mandates the immediate removal of such information. 
I have provided all necessary documentation, including a victim determination letter in accordance with 12 C.F.R. 1022.142 ( b ) ( 6 ). As only two forms of documentation are required by law, I trust that the enclosed materials suffice for this request. 
I also request the immediate removal of any negative accounts linked to my credit profile, written confirmation of these actions, and assurance that the negative information will not reappear on my credit report in the future that resulted from human trafficking.
Consumer complaint received 2023-08-10
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: Experian Information Solutions Inc. (NY)

I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you. XXXX XXXX  XXXX
Consumer complaint received 2024-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Consumer Name ( XXXX XXXX XXXX ) Consumer Social Security Number. ( XXXX ) Consumer Date of birth ( XXXX ) looked at my Full Transunion credit report and noticed some things are incomplete and not accurate. According to the fair credit reporting act, whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

According to 15 USC 1681s-2 they are suppose to 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 2024-10-02
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. (MI)

i recently review a copy of my credit report and noticed that was not reporting accurately. i have XXXX late payments on an account that was fact paid on time.The customer reporting agencies ' have need to report all information with complete accuracy. The account has not been late on payments i have attached a copy of my report to this complaint on the following dates XXXX i`m now requesting you investigate and provide verifiable proof with records showing that i had late payments, If this information can not be verified i demand these payments be updated to paid on time immediately. thank u your understanding and prompt action
Consumer complaint received 2016-08-05
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: LHR Inc. (NY)

On XXXX XXXX, XXXX, I received dunning letter from CCAB Management LLC dba CCAB XXXX dated XXXX/XXXX/XXXX for an alleged debt of {$30.00} owed to XXXX XXXX XXXX from XXXX/XXXX/XXXX. Also, in same envelope, another dunning letter dated same date ( XXXX/XXXX/XXXX ) for an alleged debt of {$30.00} to XXXX XXXX XXXX XXXX from services performed on XXXX/XXXX/XXXX ( not even 90 days old. ) Called CCAB and spoke with " XXXX '' on XXXX/XXXX/XXXX. I paid the {$30.00} co-pay from the XXXX/XXXX/XXXX service directly to " XXXX '' but stated the debt was not even 90 days old and that I tried to pay my co-payment at the doctor 's office on the date of service. I agreed that this was owed. 

However, I said I wanted to dispute the second debt with a date of service of XXXX/XXXX/XXXX. 

I stated I wanted to receive verification of the debt as it stated I could in the aforementioned dunning letter. 

" XXXX '' said due to the Federal Timeline I could not do that now and I would have to contact the creditor on my own. 

I asked " XXXX '' why would his official correspondence state I could request this and yet they would not do it. He once again stated something about a federal timeframe. 

After several attempts, I contacted the creditor ( XXXX XXXX XXXX XXXX ) and was informed that in fact this co-payment had been paid and they did not know why CCAB was dunning us. The creditor said they would have their office manager look into it on Monday. 

After numerous attempts, " XXXX '' from CCAB answered his phone and I advised him that I had verified with XXXX that this amount had been paid a long time ago. " XXXX '' said this made him mad and he would contact XXXX XXXX XXXX XXXX to straighten this out. 

Odd as " XXXX '' said he could not and would not contact XXXX to verify the debt at my request, although CCAB 's dunning letter clearly stated it could and would, but he immediately said he would contact them after I said I had. 

In my opinion, CCAB is blatantly lying in their correspondence. 

CCAB says you can dispute the debt and that CCAB will obtain verification of the debt and mail a copy to you. 

This obviously is not the case nor their practice in handling the collection of debts. 

I spent a lot of my personal time and minutes from my phone doing what CCAB 's official debt collection correspondence stated it would do if I requested CCAB to do it.
Consumer complaint received 2022-11-08
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: Experian Information Solutions Inc. (LA)

After pulling my credit reports I noticed serval accounts that was result of identity theft on my report, including several inquiries that I did not authorize. I've tried several times to address these issues with the credit bureaus, but they have repeatedly ignored me after I've asked the bureaus to provide me with verification and validation of these accounts which they have failed to do. Not only did XXXX subject me to identity theft. The credit bureaus have ruined my reputation by allowing this to continue to report on my consumer report, they have made it impossible for me to secure a mortgage. 

Please see attached documents.
Consumer complaint received 2024-10-03
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. (FL)

I submitted a complaint last year XX/XX/year> regarding the inaccurate 60 day late reporting of my payments to XXXX XXXX. After the investigation Transunion concluded that the information was verified according to a letter that was mailed to me. Despite their claims of investigating the matter the errors remained on my credit report. I have substantial proof that payments were made and will attach them, which makes me doubt the type of investigation that was conducted. This violates FCRA section 611 ( a ), FCRA 623 ( a ) ( 2 ) .This negative reporting has not only destroyed my creditworthiness but has caused me to not be approved for other products and services, the credit reporting agency is engaging in unfair and deceptive practices by doing this, causing significant financial harm.
Consumer complaint received 2024-10-03
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)

My account with XXXX AND XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX 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 XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, AND XXXX 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. 

XXXX AND XXXX XXXX XXXX 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 2024-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). 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 am a victim of XXXX XXXX  of Debt Bondage and would like for all listed accounts to be blocked and deleted company information TransUnion. Please delete the following accounts : XXXX. XXXX XXXX  XXXX bal. {$1000.00} XXXX. XXXX XXXX. {$890.00} XXXX. XXXX XXXX XXXX Co XXXX. {$12000.00} XXXX. XXXX XXXX XXXX XXXX bal. {$14000.00} XXXX. XXXX bal. {$1200.00} XXXX. XXXX XXXX  bal. {$850.00} XXXX. XXXX XXXX bal. {$330.00} XXXX. XXXX XXXX bal. {$93.00} XXXX XXXX XXXX XXXX. {$220.00} XXXX XXXX XXXX XXXX. {$310.00}. Please delete the following inquiries : XXXX. XXXX  XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX
Consumer complaint received 2024-10-02
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. (PA)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

In accordance with the fair credit reported at the list of accounts below has valued my federal protective consumer rights to privacy and confidential under 15 USC 1681 account name # XXXX XXXX XXXXXXXX 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 XXXXXXXX XXXX, XXXX XXXX XXXX XXXX has violated my rights. 
Lates payments. Any other negative information should never be shared with anyone. I have requested to opt out of any situation that put me at Jeopardy with having negative information reported or any one of these credit agent files, Trans Union, XXXX, and XXXX any charge was that were related to my account never sent me a 1099 as stated inside of our credit rights and what the IRS had written on file, 15 USC 1681 section 602 ( A ). States I have the right to privacy.

And according to 15 USC 1681 EB, they are supposed to ensure this whenever a consumer reporting agency prepare a consumer report. It shall follow responsibility to the max of accuracies of the information concerning the individual about whom the report relates.

15 USC 1681C. ( A ) ( 5 ) Section states no consumer reporting agency may make any consumer reporting containing any of the following items of information. Any other advers