davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-27
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. (AR)

Several months ago I noticed errors found on my credit report due to incorrect reporting and compliance. I reached out to XXXX and Experian numerous of times but it seems that nobody was able to help me. When I notified it XXXX and Experian, they refused to report accurate information and information that is in compliance with the federal law. 

In accordance with the Fair Credit Reporting Act Account # 1 XXXX XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 Section 602A states I have the right to privacy. 

15 U.S.C. 1681 Section 604A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 

Account # 2 XXXX XXXX XXXX XXXX  has violated my rights. 15 U.S.C 1681 Section 602A states I have the right to privacy. 

15 U.S.C. 1681 Section 604A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 

In accordance with the Fair Credit Reporting Act Account # 3 XXXX XXXX XXXX  has violated my rights. 15 U.S.C 1681 Section 602A states I have the right to privacy. 

15 U.S.C. 1681 Section 604A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 

In accordance with the Fair Credit Reporting Act Account # 4 XXXX has violated my rights. 15 U.S.C 1681 Section 602A states I have the right to privacy. 

15 U.S.C. 1681 Section 604A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 

In accordance with the Fair Credit Reporting Act Account # 5 XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 Section 602A states I have the right to privacy. 

15 U.S.C. 1681 Section 604A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2024-06-24
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. (NV)

I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.
Consumer complaint received 2024-07-05
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: EQUIFAX, INC. (TX)

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-10
Product: Credit reporting, credit repair services, 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. (TX)

This is a follow up to the previous Complaint I recently sent to request the removal of the unauthorized inquiries reporting on my Credit File. Upon reviewing my records, I have come across several inquiries that I am unfamiliar with and do not recognize as my own. While I am unsure whether this constitutes identity theft, I believe it is crucial to address these discrepancies promptly to ensure the accuracy and integrity of my credit profile. I respectfully request that the following inquiries be immediately removed from my credit file : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX. I would like to point out that the FCRA requires credit bureaus to investigate and respond to consumer disputes within 30 days. It is my understanding that under section 605b of the Fair Credit Reporting Act ( FCRA ), it is your legal obligation to ensure that any unauthorized and unfamiliar inquiries and information are promptly removed from my credit file.
Consumer complaint received 2024-07-02
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. (MS)

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. 

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 

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 2024-07-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

My account with XXXX XXXX XXXX was never late! I have had exceptional payment history witH capital XXXX and all payments were placed on XXXX. 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 XXXX XXXX XXXX. 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 those account 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 XXXX ( b ) of this title is mailed or delivered to the consumer not later than XXXX days before the payment due date. 

XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section XXXX ( b ). 


I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule XXXX 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 2024-07-04
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: EQUIFAX, INC. (GA)

I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. 

I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.
Consumer complaint received 2024-07-05
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 writing once again to express my confusion regarding your credit bureau 's handling of the investigation into the fraudulent accounts on my credit report. As you know, I have submitted the required FTC report to the Federal Trade Commission regarding this fraudulent account, and following this submission, XXXX and XXXX have removed these accounts from their records. I have also directly contacted the company associated with these accounts, and they have confirmed the removal of the accounts. Therefore, I am puzzled as to why these accounts are still being reported by your bureau. 

As a credit bureau, you are legally required to ensure the accuracy and timeliness of your records. Failing to remove these fraudulent accounts not only violates this obligation but also exposes me to further harm. I request that you promptly eliminate these accounts from my credit report, aligning with the actions taken by other credit bureaus. Failure to do so will leave me with no choice but to pursue legal action. 

XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX.
Consumer complaint received 2024-07-05
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)

PLEASE BLOCKED AND REMOVED. 
I kindly ask for the removal of this incorrect entry from my credit report. This account was not authorized or acknowledged by me. I have provided supporting documents for your review.
Consumer complaint received 2024-07-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (TX)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2024-07-05
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. (CO)

Dear XXXX, I am writing to bring to your attention some discrepancies I have discovered on my credit report, which I reviewed on XX/XX/year>. I have found that certain information related to the following accounts is incomplete and inaccurate : Account Name : XXXX XXXX XXXX, Account Number : XXXX Account Dates are Inacurate. 
Account Name : XXXX, Account Creditor Information : XXXX XXXX XXXX XXXX Account is Inacurate Due To Fruad By Someone Else. 
Account Name : XXXX XXXX XXXX, Account Number : XXXX Account Dates are Inacurate. 
Account Name : XXXX XXXX XXXX, Account Number : XXXX Account Dates are Inacurate. 
Account Name : XXXX XXXX XXXX XXXX., Account Number : XXXX Account Dates are Inacurate Due To Fraud By Someone Else. 
Account Name : XXXX  XXXX, Account Number : XXXX Account Dates are Inacurate. 

As per the Fair Credit Reporting Act, it is incumbent upon consumer reporting agencies to follow reasonable procedures to ensure the maximum possible accuracy of the information pertaining to the individual for whom the report is prepared. 

I kindly request that you review these accounts and rectify any inaccuracies at the earliest. Your prompt attention to this matter will be greatly appreciated. 

Thank you for your understanding and cooperation. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-07-05
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)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint a gainst you!
Consumer complaint received 2024-07-05
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. (TX)

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




DEPT OF EDUCATIONXXXX # XXXX DEPT OF EDUCATION/XXXX  # XXXX DEPT OF EDUCATION/XXXX  # XXXX DEPT OF EDUCATIONXXXX # XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-07-02
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. (TX)

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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account XXXX : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 

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 2024-07-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I am writing to contest and request the immediate removal of unauthorized inquiries from my credit report. Upon reviewing my credit report, I have identified several inquiries that were not authorized by me. These inquiries are detrimental to my credit standing and have the potential to significantly impact my financial reputation. I have already submitted a report to the Federal Trade Commission ( FTC ) regarding these unauthorized inquiries and have included a copy for your reference. Despite this action, these inquiries continue to be reported by your bureau. This is a violation of my rights under the Fair Credit Reporting Act ( FCRA ), and I insist that these inquiries be expunged without delay. 


The following inquiries are incorrect : 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
Consumer complaint received 2023-10-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (DC)

Today ( XXXX XXXX  ) I submitted an application for an apartment, and to my surprise I was decline. It stated I was being decline due to Experian reporting a Civil Court Record by XXXX XXXX XXXX General District Court from XXXX XXXX XXXX XXXX XXXX XXXX that was filed on XX/XX/XXXXXXXX  and judgement date on XX/XX/XXXX. I was unaware I even had a judgement. I quickly contacted the XXXX XXXX Property Manager ( XXXX XXXX  ) and she confirmed that I have a {$0.00} balance and provided me with my general ledger with the XXXX XXXX as of XX/XX/XXXX ( please see attachments ) that shows from XX/XX/XXXXXXXX  through XX/XX/XXXXXXXX  I have fulfilled my monthly rent during my tenure at this property. And I was never evicted from the XXXX XXXX. So, I don't understand how a judgement was entered on XX/XX/XXXXXXXX  and I still reside at the property until the end of my lease on XXXX XXXX.
Consumer complaint received 2024-07-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

The items listed below are reported on my personal credit file and were found in my reports with XXXX credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX CA XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX
Consumer complaint received 2024-07-05
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. (AZ)

Thank you for addressing some of the erroneous items in my credit file caused by inaccurate data. However, there are still items that need to be removed. This is a follow-up complaint regarding faulty credit reporting. According to Fair Credit Reporting Act XXXX XXXX ( a ), you are required to remove any items opened without my knowledge, consent, or authority within XXXX business days, provided : ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. The following items need to be removed as they are inaccurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax : 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 Balance Owed : {$5700.00}. This message is being sent certified to protect my rights. My research indicates you often fail to comply with this FCRA statute. If you do not remove these items, I will refer this matter to my attorney. You have XXXX business days to remove the erroneous items from my credit file. I do not consent to XXXX or any automated verification.
Consumer complaint received 2024-07-05
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. (AZ)

Thank you for addressing some of the erroneous items in my credit file caused by inaccurate data. However, there are still items that need to be removed. This is a follow-up complaint regarding faulty credit reporting. According to Fair Credit Reporting Act Section 605B ( a ), you are required to remove any items opened without my knowledge, consent, or authority within four business days, provided : ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. The following items need to be removed as they are inaccurate : XXXX : XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$5700.00} -- -- -- -- -- XXXX : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XX/XX/year> -- -- -- -- -- TransUnion : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$5700.00}. This message is being sent certified to protect my rights. My research indicates you often fail to comply with this FCRA statute. If you do not remove these items, I will refer this matter to my attorney. You have four business days to remove the erroneous items from my credit file. I do not consent to XXXX or any automated verification.