davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

PLEASE BLOCKED AND REMOVED. 
The presence of this account has caused me significant distress, even affecting my ability to sleep. I have provided all necessary documentation for its removal, and I earnestly request its deletion from my credit report.
Consumer complaint received 2024-09-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC (TX)

It is XXXX  XX/XX/XXXX when a debt collector called me I usually ignore these type of calls because I always think they are SPAM calls, but right after I always check my credit report. This time I saw my credit go down and due to a fraudulent account that was open, now I am in the process to fix this identity theft problem.
Consumer complaint received 2024-07-29
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. (PA)

According to the Fair Credit Reporting Act 15 USC 1681b ( a ) ( 2 ) Equifax is in violation for reporting ( 2 ) accounts listed below that I want deleted because I gave NO instructions for them to be on my credit report as provided under 15 USC 1681b ( a ) ( 2 ). 

I am a FEDERALLY PROTECTED CONSUMER and I did not give any INSTRUCTIONS, CONSENT, or PERMISSION for the 2 accounts listed below to be on my credit report and I want each one listed below to be DELETED from my Equifax credit report as I did not give any instructions to Equifax and the law states a credit reporting agency can not furnish an account without my written instructions. 
1 ) XXXX XXXX XXXX ( DELETE IT ) 2 ) XXXX XXXX XXXX XXXXXXXX ( This account is reporting as CLOSED delete it from my credit report in its entirety. 

15 USC 1681b ( a ) ( 2 ) is clear that a credit reporting agency is violating my rights if an account is furnished by a credit reporting agency without the consumers written instructions. Therefore, DELETE the 2 accounts that I have listed above and send me a copy of my complete and updated Equifax credit report.
Consumer complaint received 2024-08-25
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: SUNRISE CREDIT SERVICES, INC (AL)

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 human trafficking of Debt Bondage and would like for all listed accounts to be blocked and deleted company information XXXX. 

Please delete the following accounts : XXXX XXXX XXXX bal. {$2100.00} Sunrise Credit Services XXXX XXXX. {$1600.00} XXXX XXXX XXXX XXXX. {$420.00}
Consumer complaint received 2024-08-07
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. (PA)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights. 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 an account without my written instructions
Consumer complaint received 2024-08-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAINE & WEINER COMPANY, INC. (SC)

XXXX XXXX XXXXXXXX Whats up Just wan na let you know Im disputin that debt you mentioned under the Fair Debt Collection Practices Act Aint askin for more proof or docs just lettin you know I dont agree. If you need to reach me best way is by text on my cell or email on my cell or computer Monday to Friday between XXXX and XXXX XXXX XXXX XXXX Any other times or methods like live calls or voicemails aint good for me.ACCOUNT # XXXX plus other accounts you saying I'm oweing.
Consumer complaint received 2024-07-29
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)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under XXXX  according to XXXX-Debt Final Rule XXXX002.142 ( 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 have given you my identification as well as the informatin requested from the list of acceptable itms which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

I am a victim of XXXX XXXX XXXX XXXX XXXX  and would like for all listed accounts to be blocked and deleted from the company XXXX XXXX for myself XXXX XXXX ; last XXXX of Social- XXXX, XXXX XXXX XXXXXX/XX/year>. Please delete the following accounts. XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX 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 2024-07-29
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 demand the immediate removal of specific information from my credit report, in accordance with the guidance from the Consumer Financial Protection Bureau ( CFPB ) and pursuant to Section 605C of the Fair Credit Reporting Act. I am a victim of human trafficking, specifically debt bondage, which is clearly recognized under Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ).

Enclosed is a letter from an advocacy group assisting me in my recovery. Given the severity of my situation, I insist that you block and delete the following accounts from my credit reports with XXXX, XXXX, and Equifax within XXXX business days : XXXX. XXXX XXXX XXXX XXXX ( XXXX : {$6000.00} ) XXXX. XXXX XXXX " XXXX '' ( XXXX : {$3400.00} ) XXXX. XXXX  XXXX XXXX XXXX XXXX : {$9900.00} ) Failure to comply with this request promptly will result in further legal action.
Consumer complaint received 2024-08-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

Kept getting locked out of my TransUnion account after multiple attempts of trying to log in. TransUnion auto-response kept informing me my account is temporarily suspended because TransUnion is unable to validate my information. This was on XX/XX/24 and I had just purchased the {$29.00} subscription even though I couldn't get through. Apparently the Customer Care team left for the day even though it was XXXX PM XXXX  time on a Saturday. I kept getting placed in a loop due to higher than normal call volume. I finally was able to contact XXXX at TransUnion at around XXXX AM the next morning XX/XX/24 when they opened at their XXXX phone number. XXXX told me he cleared the block on the account and had me reset my password on my smartphone and not my desktop PC after giving me my username. He told me not to worry about the account on my desktop. I successfully finished set up the account after changing my password, activated my credit freeze and made sure credit alert was still active. That was from what I saw on the smartphone version of my account. Then my account gets temporarily suspended again after I ended the call with XXXX due to not being able to verify the information. I then had my card blocked on the {$29.00} monthly subscription with TransUnion in frustration because their automatic reply from transunion apparently comes off as a phishing scam according to the internet.
Consumer complaint received 2024-07-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

I have several addresses on my account that I never lived at, and the result of that I have credit cards open in my name that I did not open. I have late fees on a close account. Thats the affects my credit to this day.
Consumer complaint received 2023-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

To whom it may concern ; Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by Equifax Data Breach here Is proof.

I was a victim of Identity Theft and I already asked you to block these items in my previous letter.

Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) 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 and blocked as they are fraudulent.

1. there is some inaccurate information reporting. 
XXXX 'S XXXX Account Number : XXXX Delete this account. 

XXXX there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX there is some inaccurate information reporting. 
XXXXXXXX XXXX XXXXXXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Delete this account. 

XXXX. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX  Account Number : XXXX Delete this account. 

XXXX. 15 US-CODE 1692E FALSE OR MISLEADING XXXX XXXX XXXX Account Number XXXX XXXX Delete this account. 

XXXX. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX Account Number : XXXX Delete this account. 

XXXX. 15 US-CODE 1692E FALSE OR MISLEADING XXXX XXXX Account Number : XXXX Delete this account. 

XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX. I did dot give them permission to check my credit XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. I did dot give them permission to check my credit XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. I did dot give them permission to check my credit XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. I did dot give them permission to check my credit XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. I did dot give them permission to check my credit XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Consumer complaint received 2024-08-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAINE & WEINER COMPANY, INC. (SC)

ACCOUNT # XXXX Whats up Just wan na let you know Im disputin that debt you mentioned under the Fair Debt Collection Practices Act Aint askin for more proof or docs just lettin you know I dont agree. If you need to reach me best way is by text on my cell or email on my cell or computer Monday to Friday between XXXX and XXXX XXXX XXXX XXXX Any other times or methods like live calls or voicemails aint good for me.ACCOUNT # XXXX plus other accounts you saying I'm oweing.
Consumer complaint received 2024-07-23
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)

After reviewing my credit report, I notice that there are inaccurate accounts furnishing on my credit report. It is canceled debt and the company have file taxes but also reporting on my credit report as debt. Per the IRS the company was supposed to send me a 1099c form so I can file as income. This is a violation of 15 USC 1681eb which speaks on maximum accuracy of a consumer report. Please delete these following accounts from my report. 



XXXX XXXX {$130.00}, XXXX XXXX XXXX XXXX XXXX  {$570.00}, XXXX XXXX {$330.00}, XXXX XXXX {$190.00}, XXXX XXXX {$11000.00}XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$75.00}, XXXX {$40.00}, XXXX XXXX  {$790.00}.
Consumer complaint received 2024-07-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to formally dispute the accuracy of information on my credit report maintained by your bureau. Upon reviewing my credit report, I discovered an account that does not belong to me. The presence of this account inaccurately reflects my credit history and financial responsibility.

Please find below the details of the disputed account : Creditor Name : XXXX XXXX XXXX Account Number : XXXX Reason for Dispute : This account does not belong to me. I have never opened or used services from XXXXXXXX XXXX XXXX ], and I am not aware of any such debt associated with my name or Social Security Number.

Enclosed with this letter are copies of documents supporting my claim.

I request that you conduct a thorough investigation into this matter as per my rights under the Fair Credit Reporting Act ( FCRA ). Please remove the disputed account from my credit report promptly, as its inclusion is damaging to my creditworthiness and does not accurately reflect my financial history.

Under the FCRA, I understand that you are required to investigate this dispute within 30 days of receipt and inform me of the results. I expect your cooperation in resolving this matter swiftly and accurately.

Please provide me with a written confirmation of receipt of this dispute letter and a reference number for tracking purposes. You may contact me at the above address or phone number if you require any further information or clarification regarding this dispute.
Consumer complaint received 2024-08-25
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: Consumer Portfolio Services, Inc. (FL)

I cosigned a car loan for my XXXX to get his car. Unbeknownst to me, that the dealer was doing several hard inquiries on my credit with multiple lenders. I would like to remove all companies from my credit that I DO NOT have any existing financial obligations, that have also done a hard inquiry on my credit reporting.
Consumer complaint received 2024-08-05
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. (NC)

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an 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, 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 reporting agency if the person knows or has reasonable cause to believe that the information is accurate.
Consumer complaint received 2024-07-29
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: EQUIFAX, INC. (TX)

" Method of Verification Dispute Notice : Request to Reinvestigate & Delete Inaccurate personal infomation I am composing this letter to formally file a complaint about the inaccurate personal information that appears on my credit report. I discovered confidential information that does not belong to me while reviewing my credit report, including [ specific details such as an incorrect name, address, and Social Security number ]. I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies, as this erroneous information may have a detrimental impact on my creditworthiness and financial standing. Your immediate attention to this matter is greatly valued, and I am in anticipation of a prompt resolution to guarantee the accuracy and integrity of my credit report. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This results in civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n. The law permits a {$1000.00} fine per violation for each account listed without my expressed written assent. ''
Consumer complaint received 2023-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

I received an emailed about my information being the XXXX data hack so I pulled my credit reports and found there were multiple accounts that are inaccurate and should not be on my credit report. I understand mistakes happen but this needs to be fixed expeditiously because these are accounts are damaging to my credit report and I don't have the luxury to just wait around and let the problem fix itself by your agency. Under 15 USC 1681e ( b ) Accuracy of report : whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assume the maximum possible accuracy of the information concerning the individual about whom the report relates. 

I know that under 15 USC Code 1681i ( a ) ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if 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 consumer. If you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below : XXXX XXXX {$550.00} XXXX XXXXXXXX XXXX XXXX {$660.00} XXXX
Consumer complaint received 2024-07-29
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: EQUIFAX, INC. (TX)

" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''
Consumer complaint received 2024-07-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (TX)

i am trying to freeze my recently deceased daughter 's credit with XXXX, Equifax, XXXX. However, there is no way to do this with experian unless i set up an XXXX account, If I set up an experian account nformation is mine, and not my deceased daughter 's information. I tried calling XXXX however there are no CSRs to answer questions. I must write a letter. 

it is ridiculous that there is no way to report a deceased person to these credit reporting agencies. 

i need XXXX to freeze my deceased daughters credit without having to jump through hoops. 

I called my Senator 's office who advised to go to https : //www.experian.com/freeze/center.html to freeze her report. But, I must create an account.