davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-31
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (GA)

Collections ( with 15 U.S. Code 1681 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX Date : XX/XX/XXXX To Credit bureaus Re : Dispute of Collections Account # [ XXXX, XXXX Dear Sir/Madam, I am writing to formally dispute the collections account listed on my credit report under the account number referenced above ( XXXX XXXX XXXX, date opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX date opened : XX/XX/XXXX, Under 15 U.S. Code 1681i, I have the right to dispute any information on my credit report that I believe to be inaccurate, incomplete, or unverifiable. I demand that you conduct a full investigation of this account in compliance with Section 1681i ( a ), which requires that the information be verified, corrected, or deleted if it can not be substantiated. As per Section 1681s-2, it is also the responsibility of the furnisher of information to ensure the accuracy of the data they are providing to the credit bureaus. 

Furthermore, under the Fair Debt Collection Practices Act ( FDCPA ), a collections account must be fully validated with supporting documentation from the original creditor. If such validation can not be provided, this account must be removed from my credit report immediately. I expect this matter to be resolved within 30 days as required by law, and I look forward to your timely response. Thank you for your attention to this urgent matter. 
Sincerely, XXXX XXXX
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

I would like to file a formal complaint against Experian for reporting information that the merchant or owner of the account is not providing. The account is owned by XXXX XXXX this account is a close account and it has been for many years. Every month this account is updated with the credit bureaus and no credit usage percentage is included in this update as XXXX synchrony bank does not include any credit usage percentages on closed accounts. On my Experian credit report it's reporting a credit usage of 81 %, which was not provided by the merchant. Ive asked XXXX XXXX XXXX  to update the account to make sure no credit usage percentages were included in the updates and they did. The other two credit bureaus XXXX and XXXX updated the account and remove the credit usage percentages except Experian. Ive been dealing with this issue and even had a case number and escalated it since XX/XX/XXXX. I have my case number XXXX. This matter is still not resolved as you can see from the image they are still reporting information thats not being provided by the account holder.
Consumer complaint received 2024-10-30
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Experian Information Solutions Inc. (NC)

RETURNED A DRESS WHICH THEY DONT HAVE A RECORD I DO NOT OWE THIS AMOUNT MY BALANCE IS A XXXX THEN IT WAS SENT TO COLLECTIONS. 

This account is not showing maximum possible accuracy according to 15 USC 1681e ( b ), the open date, date last active is not accurate. - Delete Account Immediately for violation of 15 USC 1681e ( b ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-03
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)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Consumer complaint received 2024-10-25
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. (GA)

I am a victim of XXXX, and the information listed below on my credit report is a result of that XXXX  : Account Name : XXXX Account Number : XXXX Highest Balance : {$4000.00} Account Name XXXX XXXX XXXX  Account Number : XXXX Highest Balance : {$10000.00} Account Name : XXXX  Account Number : XXXX Highest Balance : {$7000.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Highest Balance : {$30000.00} Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Highest Balance : {$12000.00} Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Highest Balance : {$33000.00} Account Name : XXXX  Account Number : XXXX Highest Balance : {$6300.00} Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX Highest Balance : {$15000.00} Account Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Highest Balance : {$790.00} Account Name : XXXX XXXX BANK XXXX Account XXXX : XXXX Highest Balance : {$30000.00} Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX Highest Balance : {$6000.00} Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX Highest Balance : {$32000.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Highest Balance : {$6500.00} Account Name : XXXX  Account Number : XXXX Highest Balance : {$3600.00} Account Name : XXXX Account Number : XXXX Highest XXXX : {$8400.00} Account Name XXXX XXXX Account Number : XXXX Highest Balance : {$4000.00} Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Highest Balance XXXX {$15000.00} Account Name XXXX XXXX XXXX Account Number : XXXX Highest Balance : {$1500.00} Account XXXX : XXXX XXXXXXXX Account Number : XXXX Highest Balance : {$2700.00} Account Name : XXXXXXXX XXXX  Account Number : XXXX Highest Balance : {$15000.00} Account XXXX : XXXX  Account Number : XXXX Balance : {$0.00} Account Name : XXXX  Account Number : XXXX Balance : {$0.00} INQUIRIES XXXX on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  on XX/XX/XXXX These items are either reported incorrectly or have already been resolved, and I ask that they be thoroughly investigated and corrected. I have already reached out to both the credit reporting agency and the data furnisher, but the issue persists. Ive attached supporting documentation and screenshots of my credit report to highlight the inaccuracies and support my claim. Please address this matter promptly and update my credit report with accurate information.
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I recently submitted a letter regarding the inaccuracies and unfamiliar items on my credit report, but it's now been over 30 days, and I haven't received any response. This lack of action is really concerning. According to Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), youre required to investigate disputed items within 30 days, and if you don't, those items must be removed from my report. 

Since it's been more than 30 days, I expect my credit report to be updated immediately, reflecting the removal of the disputed accounts. If this isn't resolved quickly, Ill have no choice but to consider legal action, as this ongoing delay has caused me considerable stress. 

Additionally, I was affected by the XXXX, XXXX, and TransUnion data breaches, which makes me even more worried about how my personal information is being handled.
Consumer complaint received 2019-12-04
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.Q. DATA INTERNATIONAL, INC. (WA)

On XX/XX/XXXX I was contacted by XXXX XXXX who identified himself as a team member for IQ Data. He said he was contacting me about a debt owed to my previous apt complex. During the call he stated to me that IQ Data would be charging me 12 % APR daily until I paid the amount. I attempted to explain it was a disputed amount and he then said he would not discuss the validity of the amount and that he would just send me to collections and ruin my credit. Both statements are in direct violation of both Federal and State law. 

Additionally, on XX/XX/XXXX I advised them not to contact me except to verify the date and that I am not to be contacted except during evening hours, I received another call from IQ Data on XX/XX/XXXX during the hours ( XXXX ) that I asked them not to call me, nor during the call would he discuss providing verification of the debt. After advising the rep of the time to call I was again called by IQ data XX/XX/XXXX after XXXX and before XXXX. 

Furthermore, I have never received a written statement from IQ Data detailing the debt or any of the other statutorily required written notifications. I pointed this out to XXXX during my XX/XX/XXXX call and he said they don't have to send anything in writing since the original debtor sent a bill. This too is in violation of Federal and State law that require written notification of a debt, not a phone call. Per the Fair Debt Collection Practices Act if I, the consumer, notify them that the debt is disputed they are to cease communications for 30 days and perform a re-investigation of the debt. After notifying them on XX/XX/XXXX of the dispute over the debt they continued to call I notified them on each subsequent call ( XX/XX/XXXX and XX/XX/XXXX ) that the amount was in dispute. 

I was forced to send a notice to IQ Data, and their Registered Agent, notifying them of the dispute and that they were in violation of Federal and State Law.
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. (CA)

I first came to USA in XXXX and after receiving my social security card went to DMV to apply for a drivers license. My bag was stolen in DMV along with my social security card and passport. Two months later I left USA. Coming back in XXXX I checked my credit report and noticed several fraudulently opened credit card accounts. All the creditors solved the matter, but XXXX XXXX bank with a charged off credit card with the balance of {$9700.00}. It`s been a year I am sending my supporting documents to XXXX XXXX proving that I was not in US in XXXX and never had any business account either. I attached the email from XXXX stating that the business opened in my name was fraudulent. After providing all this new supporting documents they still deny my case. They also are not able to verify my identity every time I call and they send me to the branch for verification one hundred time. This needs to be solved immediately. Please help my with my concern.
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NV)

Subject : Dispute of Inaccurate Information on Credit Report and violation to the Fair credit reporting act. Complaint Summary : I am submitting this complaint against Experian regarding the inaccurate information reported on my credit report, which violates the Fair Credit Reporting Act ( FCRA ). 
I review my credit report and I discovered discrepancies in the following account ( XXXX ) : XXXX XXXX XXXXXXXX ( account number : XXXX ) Under Section 611 of the FCRA, I have the right to dispute inaccuracies and request prompt investigation. I formally requested a reinvestigation of the account information and cited relevant sections of the FCRA, including : 1. Section 609 ( a ) ( 1 ) ( A ) : Requirement for verification of accounts through original documentation.

2. Section 611 : Right to dispute inaccuracies and request investigation.

3. Section 623 ( a ) ( 5 ) : Removal of unverifiable information dont validated for creditor Original.

4. 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy.

Despite my request, Experian has failed to conduct a thorough investigation or resolve these discrepancies within the required timeframe of 30 days. This negligence has led to the continued reporting of false information, which has negatively impacted my creditworthiness. In my request, I emphasized that any unverifiable information should be removed from my credit report INMEDEDIATLY within the mandated 30-day period, as established in 15 U.S. Code 1681i. Additionally, I referenced 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy. Furthermore, under 15 U.S. Code 1681s-2, furnishers of information are required to investigate and correct inaccurate information upon notice of a dispute.
Consumer complaint received 2024-10-03
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. (TN)

I am writing to formally express my concerns and frustration regarding the XXXX data breach that occurred in 2017. As a victim of this incident, my personal and financial information has been compromised, leading to significant distress and ongoing issues with identity theft. XXXX is inaccurately reporting my Social Security Number, posing a significant risk to my financial security and identity integrity. You have not supplied proof under the doctrine of estoppel by silence XXXX XXXX ( MO ) XXXX XXXX XXXX XXXX I may presume that no proof of the alleged debt nor therefore any such debt in fact exists.
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 


Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX
Consumer complaint received 2017-03-30
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: BARCLAYS BANK DELAWARE (TX)

This letter is regarding account # XXXX, which you claim I owe {$3300.00}. This is a formal notice that your claim and validity of this debt is disputed. 

I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you on this charged off account. 

Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I do n't owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 

Failure to respond within 30 days of receipt of this certified letter may result in " counter claim '' small claims legal action against your company at my local venue. 

I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 

My contact information is as follows : XXXX XXXX XXXX, Texas XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : Better Business Bureau
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. (KY)

Subject : Dispute of Inaccurate Late Payments Account XXXX XXXX XXXXXXXX # XXXX Dear Credit Officer, I am writing to formally dispute the accuracy of the reported late payments on my credit, Account # XXXX. Upon reviewing my records, I have identified discrepancies with the late payments reported on the following dates : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX. XX/XX/XXXX According to consumer protection laws : 1. 15 U.S. Code 1637 : This regulation requires that all information related to my account be accurate and complete.

2. 15 U.S. Code 1681i : This law mandates that creditors investigate and correct any inaccurate or incorrect information appearing on my credit report.

3. 15 U.S. Code 1681s-2 : This provision obligates creditors to notify credit bureaus of any errors or disputes related to the account.

After carefully reviewing my payment history, I believe the reported information is inaccurate. Therefore, I am requesting that you initiate an immediate investigation to verify and correct any errors.

Additionally, under the regulations set by the Consumer Financial Protection Bureau ( CFPB ), you are required to take corrective actions should the information be found incorrect. I also request the removal of any inaccurate late payments from my credit reports with all relevant credit bureaus ( XXXX, XXXX, and TransUnion ). 

Enclosed are copies of my credit report and any supporting documentation relevant to this dispute. 

Please confirm in writing that you have received this letter and inform me of any actions taken as a result of this investigation within the timeframe set by law. 

Thank you for your prompt attention to this matter. I look forward to your response and the immediate correction of the inaccurate information. 

Sincerely, XXXX XXXX.
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-10-03
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. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Subject : Formal Complaint Regarding Inaccurate Credit Reporting and Lack of Response from Credit Bureaus Dear CFPB Team, My name is XXXX XXXX, and I am writing to file a formal complaint regarding the inaction by the three major credit bureaus ( TransUnion, XXXX, and XXXX ) in resolving inaccuracies on my credit reports. I contacted all three bureaus on XX/XX/XXXX, requesting corrections and validation of information that does not belong to me. However, as of XX/XX/XXXX, I have not received any form of communication from any of the credit bureaus. 

My correct and only address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, and my date of birth is XX/XX/XXXX. I would like to firmly request the removal of all incorrect information that remains on my credit reports. This includes former addresses that are not accurate and other details tied to my identity. 

Here is a summary of the incorrect information on my reports as of XX/XX/XXXX : TransUnion : Incorrect current address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These inaccuracies violate my rights under the Fair Credit Reporting Act ( FCRA ), which mandates that credit reporting agencies must ensure accurate reporting and respond to disputes in a timely manner. Specifically : Section 611 ( 15 U.S. Code 1681i ) requires credit bureaus to investigate disputed information and respond within 30 days. 
Section 607 ( b ) ( 15 U.S. Code 1681e ( b ) ) ensures the accuracy of the information reported. 
The failure to remove erroneous data after being notified constitutes a violation of Section 623 ( 15 U.S. Code 1681s-2 ( b ) ) of the FCRA, which obligates furnishers of information to investigate and correct inaccurate information. 
I kindly request that your office intervene on my behalf and enforce my rights under the law. I demand the immediate correction of all inaccuracies on my credit report, as well as confirmation that this issue has been resolved. Please ensure that TransUnion, XXXX, and XXXX comply with their legal obligations and notify me accordingly. 

Thank you for your attention to this matter. I appreciate your prompt assistance in resolving this issue. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX