davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I submitted a letter to the 3 Credit Bureaus last XX/XX/2023 to update this suspicious information. I think you have not validated these accounts in accordance with 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 Balance Owed : {$1800.00}, XXXX XXXX Balance Owed : {$230.00}, XXXX XXXX Balance Owed : {$2000.00}.
Consumer complaint received 2024-06-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$21000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-06-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-08-14
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CITIBANK, N.A. (TX)

Explanation on why Citi Credit Card company credit limit was decrease from XXXX to XXXX. I called to speak to someone but was told there was no one to help me with this matter. We had agreement from the beginning. I applied for another credit card and was approved for XXXX this tells me something's not right or they have inaccurate information that I need to know so that I can get ahold of the credit bureaus.
Consumer complaint received 2024-06-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I was a victim of identity theft and I am currently in distress and suffering from XXXX  because of this. I am seeking help on my situation where my credit report reflects an outstanding debt that I know was caused by fraud. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft.
Consumer complaint received 2024-06-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I am submitting my complaint to dispute and investigate these wrongfully reported accounts on my credit file. According to the Fair Credit Report Act, I should receive {$1000.00} for each incorrect report. I am aware that FCRA 605B mandates reporting any inaccurate accounts on a consumer 's report.
Consumer complaint received 2024-06-19
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. (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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX All creditors above have 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 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 and 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 2024-06-20
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. (CA)

I discovered again that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX  XXXX Balance : {$280000.00}
Consumer complaint received 2024-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (PA)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2023-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

XXXX. XXXX in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of XXXX XXXX ( XXXX ) Reinvestigation Required ( A ) In general. Subject to subsection ( f ), and except as provided in subsection ( g ) if the completeness or accuracy of any item of information contained in a consumers 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 611 - 15 U.S.C. 1681i 59 disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. ( B ) Extension of period to reinvestigate. Except as provided in subparagraph ( c ), the XXXX period described in subparagraph ( A ) XXXX be extended for not more than XXXX additional days if the consumer reporting agency receives information from the consumer during that XXXX period that is relevant to the reinvestigation. ( C ) Limitations on extension of period to reinvestigate. Subparagraph ( B ) shall not apply to any reinvestigation in which, during the XXXX period described in subparagraph ( A ), the information that is the subject of the reinvestigation is found to be inaccurate or incomplete or the consumer reporting agency determines that the information can not be verified. ( XXXX ) Prompt Notice of Dispute to Furnisher of Information ( A ) In general. Before the expiration of the XXXX period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( XXXX ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. ( B ) Provision of other information. The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( XXXX ) ( A ). I HAVE DISPUTED THIS ACCOUNT ON MULTIPLE OCCASIONS. THE MOST RECENT BEING XX/XX/2023. XXXX BLAZE ACCOUNT NUMBER XXXX IS NOT MINE. PLEASE SEND A COPY OF MY WET SIGNATURE AND MY ID VERIFYING THAT MY IDENTITY WAS USED WITHOUT MY PERMISSION.
Consumer complaint received 2024-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (LA)

On my credit report is a lot of inaccurate information such as names, addresses, and employment and inquiries. 


Experian, XXXX, XXXX Subject : Dispute of Inaccurate Information and Inquiries on Credit Report I am writing to formally dispute inaccurate information and unauthorized inquiries reported by your company on my credit report. Specifically, the following items are incorrect : 1. My name is not XXXX XXXX. This is inaccurate 2. XXXX XXXX XXXX XXXX XXXX  is not my address. XXXX These items are inaccurate and misleading. I kindly request that you investigate this matter and correct or remove the incorrect information from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). 

Please confirm in writing once these inaccuracies have been corrected. Attached are copies of my credit report and any supporting documentation relevant to this dispute. 

Thank you for your prompt attention to this matter. I look forward to your response.
Consumer complaint received 2024-06-19
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. (CO)

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.

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 2021-02-16
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Optima Recovery Services LLC. (TN)

Optima reported a mark on my credit file for a bill that was paid directly to the original creditor prior to a mark on my credit. This mark should be removed. 

I had an invoice that was originally with Tennessee XXXX Clinics in the amount of {$990.00}. The only people I have ever paid or given money to for the bill was Tennessee XXXX Clinic. When I paid the bill, there was no mark or mention on my credit file regarding a collection. I had not been contacted by mail or by phone by Optima. After the invoice was paid, the next month I received a mark on my credit from Optima for the collection. It shows open and closed at the same time, for the month of XX/XX/XXXX. They reported it as a paid collection. I have attempted to resolve this with them multiple times. I have shown proof that the invoice was paid to Tennessee XXXX  directly ( which Tennessee XXXX said they would verify ). They agree that no funds were paid to them for my account. However they refuse to remove the credit mark on my credit. The only answer I receive is that they will show it as paid. The issue is Optima was never my servicing provider for a collection. All transactions were completed with Tennessee XXXX prior to a collection with Optima. 

I filed an official complaint with the XXXX  after they would not reply to my requests for correction. The XXXX was not able to get them to reply either. ( see below for XXXX file, case # XXXX ) I would like to have the mark removed from all three of my credit files. The account needs to be removed in its entirety with out any penalty. 

Complaint filed against : Business Info NAME : Optima Recovery Systems ACCREDITED BUSINESS : NO CONTACT : Mr. XXXX XXXX ADDRESS : XXXX, PHONE : XXXX XXXX FAX : -- None -- Website : XXXX Complaint status : Activity Date Activity Description XX/XX/XXXX Case Closed - UNANSWERED XX/XX/XXXX Inform Business - Case Closed UNANSWERED XX/XX/XXXX Inform Consumer - Case Closed UNANSWERED XX/XX/XXXX Inform Consumer No Response from Business XX/XX/XXXX No Response Received from Business on 2nd Notice XX/XX/XXXX Second Notice to Business XX/XX/XXXX No Response to First Notice to Business XX/XX/XXXX Inform Business of Complaint XX/XX/XXXX Send Acknowledgement to Consumer XX/XX/XXXX Complaint Validated by XXXX Operator XX/XX/XXXX Complaint Received by XXXX
Consumer complaint received 2023-11-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am submitting this CFPB Complaint to follow up the inquiry dispute process. I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act 604. Again, this action was initiated without any proof from any of the companies reporting. These inquiries are not factual since I never authorized them. The FCRA requires Credit bureaus to follow up and investigate, if possible please REMOVE the inquiries in question. I never authorized such action and this constitutes a violation of my rights to privacy. Please contact the listed inquiries and investigate such occurrence or remove immediately for non-compliance. Under the laws of the FCRA, the Credit Bureaus are required by the FCRA to follow up with the creditor. Please see the list of the Inquiries below : *XXXX* OFF LEASE ONLY XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-06-20
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. (NY)

Date of XXXX Delete!! 


Unathorized inquiry CBNA Date of XXXX Delete!! 


Unathorized inquiry. 
LENSTOLERI Date of XXXX Delete!! 


Unathorized inquiry XXXX  Date of XXXX Delete!! 


Unathorized inquiry XXXX XXXX XXXX XXXX XXXX XXXX Unathorized inquiry XXXX XXXX XXXX Date of XXXX Delete!! 


Unathorized inquiry XXXX XXXX XXXX Date of XXXX Delete!! 


Unathorized inquiry XXXX XXXX Date XXXX XXXX Delete!! 


Unathorized inquiry XXXX XXXX Date of inquiry : XXXX Delete!! 


Unathorized inquiry XXXX  Date of inquiry : XXXX Delete!! 

Unathorized inquiry XXXX XXXX Date of inquiry : XXXX Delete!! 

Unathorized inquiry XXXX XXXX Date of inquiry : XXXX Delete!! 





i noticed this issue in XXXX correct information needs to be removed : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-06-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

Im disputing information on my credit report. Pursuant to FCRA 605B Im including exactly what youre requesting. Proof of my identity, account which was involved with the theft & a copy of a completed & submitted FTC identity theft report. Im complying with the letter of the law & what youre required to have to honor my 605B request. This account need to be blocked or removed from my report. Please see this matter is attended to with the utmost urgency. XX/XX/XXXX
Consumer complaint received 2023-11-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Rent Recovery Solutions (TX)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : RENTRECOVERY {$2100.00} 15 U.S.C, 1681section 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. 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-07-26
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. ()

Purchased {$150.00} vanilla prepaid card on XX/XX/2023 from XXXX. Upon opening the card find out that card is faulty as CVV number is not printed on the card and because of that unable to use card anywhere. Called customer service and they created the case ( case number - XXXX ). Emailed all the required documents ( i.e. proof of purchase, card front and back photo ) on XX/XX/2023. They advised to wait for XXXX business days. Even after XXXX business days nothing happened. Called customer service so many times and every time they provide the same response that they have escalated the case and wait for another XXXX hours but no resolution yet. 
Neither i have received replacement card nor any update on the case. 
I have to beg for my own money.
Consumer complaint received 2024-07-10
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: Experian Information Solutions Inc. (LA)

I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.
Consumer complaint received 2024-09-25
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: CNG FINANCIAL CORPORATION (MO)

I noted some inquiries on my XXXX report that i did not authorize. I reached out to XXXX on these inquiries and they requested me to contact the companies involved of which i did with no resolution. I reached out to XXXX again who requested that a file a complain with CFPB.
Consumer complaint received 2024-06-21
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: EQUIFAX, INC. (GA)

I lodged a complaint against these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. Surprisingly, I haven't received any response or correspondence from the Bureaus, and they have already closed my complaint. Could you please explain why they closed my complaint without resolving the issue? Have they even acknowledged or verified my dispute? I need assurance that they have thoroughly checked the inaccuracies on my report and validated the accounts. Can you provide details about the methods they used to verify my report? This situation is incredibly frustrating! It has been more than 30 days since I filed the complaint, and I expected these accounts to be updated by now. If they are not updated immediately, I will have no other option but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.
Consumer complaint received 2024-06-21
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. (VA)

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 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 a consumer to any consumer reporting agency if the person known or has reasonable cause to believe that the information is inaccurate.