davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-23
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. (MD)

Dear Experian : To ensure that your company is reporting account 100 % accurately, I would like to know the procedures used to investigate this inaccurate collection account. Did you even conduct an investigation because it is still not reporting 100 % correctly? 
1. 15 U.S. Code 1635 ( b ) Return of money or property following rescission - Right of rescission as to certain transactions XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
2. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. 
XXXX XXXX  Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
Its sad that your company would ignore the FTC guidelines in regard to your investigation efforts. I wonder if other consumers are being affected by your lack of investigation. I would like to know to whom you talked with at the collectors office when you started your investigation? Also, please send me their complete address. In addition, please do not send your template letter on how you conduct an investigation. I want details on how you did this. 
30 days should be enough time to get back with me. 
Sincerely, XXXX XXXX
Consumer complaint received 2024-08-29
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. (FL)

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all accounts are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these accounts immediately : XXXX XXXX XXXX - XXXX XXXX XXXXXXXX Balance : {$7400.00} XXXX XXXX XXXX Balance : {$2500.00}
Consumer complaint received 2024-08-29
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. (IN)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-23
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. (AL)

I appreciate you taking the time to DELETE some of the information in my credit file ; however, there are still items that need to be DELETED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these items ( A ). I hope these disputed items are updated. 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 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
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IN)

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 2024-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

( XXXX XXXX XXXX XXXX XX/XX/year> ) has violated my rights. 

I looked at my XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. 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 generally, 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 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.

In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. ( The Credit Bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate, This ground for removal they also violated my rights under 15 US C 1681 section 602 A. ) States I have the right to privacy. 154.0 9 1501 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Also the Credit bureaus took more than 30 days to complete my investigation here is my certified mail tracking # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-10-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Bureaus, Inc. (WA)

False statement and representation : 1. Continues to unlawfully report as collection every single month extending statute of limitations 2. Failed to provide Debt validation and verification confirming details of debt, Legal ownership of debt including original contract & payments. US federal codes 15 USC 1692 ( c )
Consumer complaint received 2024-10-21
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: CarMax, Inc. (NV)

On or about XX/XX/year> I checked my credit report and noticed there were XXXX hard inquiries on it from XX/XX/year> that I didnt recognize. I called XXXX to have them deleted and was told that they cant delete them because they are associated with a separate auto loan that was approved around the same time. I informed them that the auto loan that I was approved for around that time ( XX/XX/year> ) was from my credit union which was approved directly by the credit union so there was no need for XXXX other banks to pull my credit report. After further investigation XXXX was able to see that the XXXX hard inquiries were from Car Max. XXXX informed me the I should call Car Max to have the inquiries deleted. After several calls to Car Max where I requested a copy of a credit application with my signature on it dated on or around the date in question, I was sent a fraud affidavit to sign, but no copy of said credit application, on XX/XX/year>.
Consumer complaint received 2023-12-23
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. ()

Dear Experian : To ensure that your company is reporting account 100 % accurately, I would like to know the procedures used to investigate this inaccurate collection account. Did you even conduct an investigation because it is still not reporting 100 % correctly?

1. 15 U.S. Code 1635 ( b ) Return of money or property following rescission - Right of rescission as to certain transactions XXXX  Account Number : XXXX Please ensure that all information is accurate. If not proven delete this immediately.

2. Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. 
XXXX XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report.

3. Under 15 U.S.C 1681c-2-block of information resulting from identity theft XXXX  XXXX XXXX XXXX  Account Number : XXXX Under 15 U.S Code 1681a ( 2 ) ( A ) ( i ) No transaction should be included in a credit report I demand you to remove this account. 
XXXX. " This account was PAID as AGREED. This should not be reported LATE since this is ALREAY PAID '' XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. The following personal information is incorrect Previous Address ( es ) : XXXXXXXX XXXX XXXX XXXX XXXX  DC XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, MD XXXX XX/XX/XXXX Its sad that your company would ignore the FTC guidelines in regard to your investigation efforts. I wonder if other consumers are being affected by your lack of investigation. I would like to know to whom you talked with at the collectors office when you started your investigation? Also, please send me their complete address. In addition, please do not send your template letter on how you conduct an investigation. I want details on how you did this. 
30 days should be enough time to get back with me. 
Sincerely, XXXX XXXX
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. (GA)

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/year> ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA XXXX ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency XXXX XXXX information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of Collection Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and XXXX inquiries are the result of identity theft and fraud. 
Fraudulent inquiries : TRANSUNION 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
Consumer complaint received 2023-12-23
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. (NY)

I submitted a letter to the XXXX Credit Bureaus last XX/XX/2023, to removed this suspicious information. I think you have not blocked these items by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again XXXX XXXX XXXX XXXX Balance : {$2700.00} ; 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
Consumer complaint received 2023-12-23
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. (AZ)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and remove them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022
Consumer complaint received 2023-12-23
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (FL)

On XX/XX/23 around XXXX  while I was at work I got a notification that {$600.00} was taken out of my chime account and I immediately called and filed a dispute over the phone. Overnight my dispute was denied and I got an email once again while at work notifying me of the denial I call again and filed a rebuttal that was denied in under 30 minutes and another was denied under 30 minutes and I called to have another submitted and I was told it was being submitted but yesterday I found out that was not done and I just did another and 20 something minutes later it was denied. After having this happen to me I found out that chime was known for this. This is the bulk of my first payment at my job and its XXXX this is not ok and this has been over the span of almost 2 weeks. I filed a police report and fbi complaint and also a XXXX complaint as well but at this point I have ran out of patience and need a solution in a timely manner just like how I can be denied under 30 minutes.
Consumer complaint received 2023-12-23
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. (NJ)

I have accounts on my credit reports. 

1. XXXX XXXX 2. XXXX DEPARTMENT OF EDUCATION {$8400.00} 3. XXXX DEPARTMENT OF EDUCATION {$4200.00} 4. XXXX DEPARTMENT OF EDUCATION {$11000.00} 5 XXXX DEPARTMENT OF EDUCATION {$8500.00}
Consumer complaint received 2023-12-23
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. (IN)

I applied for an auto loan and did not give permission or consent To ANY OF THESE PLACES!!! I have no idea why my credit was ran by these places!!!!!! 
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 These were all on XXXX
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (VA)

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 XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission XXXX  on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the XXXX XXXX I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2023-12-23
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. (MA)

I am formally requesting this letter to update the following items in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will violate the Fair Credit Reporting Act
Consumer complaint received 2023-12-23
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. (NJ)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an immediate update of the following erroneous information on my credit report : USDOEXXXX XXXX US DEPT ED XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Consumer complaint received 2024-08-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I am filing a formal complaint against TRANSUNION for specific violations of my rights under the Fair Credit Report Act 623 A3, AC, and the Fair Debt Collection Practice Act 807 ( 8 ). 

These violations include the Failure to correctly enter a notice of dispute onto a consumer 's credit profile within 30 days of receiving I am filing a formal complaint against TransUnion for clear violations of my rights under the Fair Credit Reporting Act 623 A3, AC, and the Fair Debt Collection Practices Act 807 ( 8 ). 

In XX/XX/2024, I reviewed a consumer credit profile published by TransUnion and noticed several errors. I immediately disputed the errors directly with TransUnion, expecting that the published information would be promptly investigated and corrected. 

Specific errors : XXXX XXXX XXXX- XXXX  days Late XXXX XXXX XXXX- Inaccurate information I reviewed my credit profile again in XXXX and found the errors remained, with no indication or notice that the items were under dispute. 
This is in clear violation of Fair Credit Report Act 623 A3, AC, and the Fair Debt Collection Practice Act 807 ( 8 ).

Attached you will find : 1. A copy of my dispute letter to TransUnion with XXXX certification receipt. 
XXXX. XXXX Tracking information.
Consumer complaint received 2023-12-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (CA)

I bring to your attention the apparent compromise of my credit with your organization. It has come to my notice that, despite being accompanied by an FTC fraud report XXXX XXXX XXXX XXXX, certain items have not been removed as required. Upon reviewing my records, I observed that these inaccuracies, which are not associated with me, persistently and detrimentally impact my credit file. My commitment to thorough research and persistence compels me to address this matter, and I am determined not to be hindered by any unwillingness to comply with the law. In accordance with Section 605b of the Fair Credit Reporting Act ( FCRA ), your legal obligation is to expeditiously remove items identified as resulting from identity theft. The disputed items, namely : -- -- -- -- -- -- -EXPERIAN 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. I am attaching the newly required FTC Report with reference XXXX XXXX along with my Driver 's License, Form W-2, and Proof of Billing, serving as verification of my sole address. Kindly proceed with the removal of these items from my credit report promptly.