davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy.

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted this company any permissible purpose. They are in strict violation of this code. I need this account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2022-09-12
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. (SC)

I am a natural human being, I am a living person. I have rights under 15 USC 1681 equifax is govern by 15 USC 1681 and they violated my rights numerous of times. 
I demand the accounts below listed to be removed. 

According to 15 USC 1681 ; I have the right to privacy and I did not give Equifax permission to furnish these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXxxxxxxxxxxxx XXXX XXXX XXXX XXXX XXXX xxxxx XXXX
Consumer complaint received 2024-09-24
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)

XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX ( XXXX ) XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX, PA XXXX Subject : Update of Personal Information Dear Sir/Madam, I am writing to request an update to my personal information on my credit report. Ive noticed there are a few errors. Please find below my updated details : **Wrong Information : ** XXXX : XXXX XXXX XXXX XXXX : Nothing Listed **Right Information : ** XXXX : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX Attached are copies of documents to verify XXXX identity and the changes requested : XXXX. Government-issued ID ( e.g., driver 's license, passport ) XXXX. Proof of address ( e.g., utility bill, lease agreement ) XXXX. Any other relevant documents Please update your records accordingly and confirm that these changes have been made. If you need any additional information or documentation, do not hesitate to contact me at the phone number or email address listed above. 

Thank you for your attention to this matter. I look forward to your prompt confirmation of these updates. 

Sincerely, XXXX XXXX ---
Consumer complaint received 2024-09-02
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. (PA)

I reviewed my Consumer Reports and noticed that I had three late payments on an account. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. According to 15 USC 1681a ( 2 ) ( 1 ), the term consumer report does not include any report containing information solely as to payment history or utilization between the individual and the company making the report. So even reporting a late payment on a consumer report is a violation, according to the FCRA. 
XXXX XXXX XXXX ACCOUNT XXXX
Consumer complaint received 2024-07-08
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. (OH)

For the past year I have been going back and forth with XXXX and transunion over the inquiries on my credit report. Unlike experian, both XXXX and transunion dont allow dispute of inquiries online, you have to call or dispute by mail. I have done both, several times over the past year. I have called multiple times to dispute these inquiries with both companies over the phone. My dispute was taken and I was told to mail in a written dispute in addition. I did this with both transunion and XXXX. I was told by XXXX that it was never received and to mail it in again and I did, I have not heard anything from them since. I was told by XXXX that I sent it to the wrong address and I mailed it again to the address the representative gave me. Til this day almost a year later I have not heard anything from either of these companies nor had any result from my dispute. However, experian has addressed and removed all the inaccurate inquiries from my report. I have only 4 inquiries on experian as to having 11 and 13 on XXXXXXXX  and XXXX respectively. If experian removed theses same inquiries there is no reason the other XXXX credit agencies have not done the same. I have also made these companies aware that I was a victim of identity theft. Further all 3 companies experian, XXXX, and XXXX have inquiries on my report that are over XXXX XXXX XXXX and should have been removed already.These inquiries include the following and pictures are included as proof : Inquiries are not mine and have no knowledge of and are unauthorized by me for both companies : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Vice/tbom XX/XX/XXXX XXXXnc XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX The following inquiries are over XXXX XXXX XXXX and should have been deleted by experian, XXXX, and XXXX : XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX bank XX/XX/XXXX
Consumer complaint received 2024-10-13
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: R.M. Galicia, Inc. (AZ)

I have no knowledge of this debt as I have always had medical insurance! I was never contacted by the debt collection agency regarding this debt that I do not owe. They are reporting negatively on my credit and I have no knowledge of this debt. I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. 

FCRA 15 U.S.C 1681
Consumer complaint received 2024-07-08
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. (IL)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2024-09-25
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)

Name : XXXX XXXX, Social Security Number : ( XXXX ), Date of Birth : ( XX/XX/XXXX ), This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, EQUIFAX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX  Loan account opened at : US DEPARTMENT OF EDUCATION {$5600.00} DATE : XXXX, XXXX US DEPARTMENT OF EDUCATION {$5100.00} DATE : XXXX, XXXX US DEPARTMENT OF EDUCATION {$3800.00} DATE : XXXX, XXXX US DEPARTMENT OF EDUCATION {$2500.00} DATE : XXXX, XXXX US DEPARTMENT OF EDUCATION {$2400.00} DATE : XXXX, XXXX US DEPARTMENT OF EDUCATION {$1100.00} DATE : XXXX, XXXX I do not recognize the aforementioned accounts, or hard inquiries as reported. The aforementioned accounts, 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 US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections,
Consumer complaint received 2024-09-25
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)

Name : XXXX XXXX, Social Security Number : ( XXXX ), Date of Birth : ( XX/XX/XXXX ), This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, EQUIFAX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX Student Loan account opened at : XXXXXXXX XXXX XXXX XXXX {$5600.00} DATE : XXXX, XXXX XXXXXXXX XXXX XXXX XXXX  {$5100.00} DATE : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  {$3800.00} DATE : XXXX, XXXX XXXX XXXX XXXX XXXX {$2500.00} DATE : XXXX, XXXX XXXXXXXX XXXX XXXX XXXX {$2400.00} DATE : XXXX, XXXXXXXX XXXX XXXX XXXX XXXX {$1100.00} DATE : XXXX, XXXX I do not recognize the aforementioned accounts, or hard inquiries as reported. The aforementioned accounts, 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 US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections,
Consumer complaint received 2024-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (GA)

An agent I was speaking with XX/XX/year> between XXXX with XXXX XXXX XXXX  XXXX XXXX XXXX I contact to get details as to why the money I suggested to be withdrawn from my bank account had not been withdrawn and added to the XXXX new accounts I set up online and to have XXXX of the accounts which is a XXXX account deleted due to creating error. The agent gave me details as to why and the next steps I needed to take for the funds to transfer, I asked about the debit card how will I receive it she gave some details then stated they have a XXXX XXXX with no annual fee etc. I was like nice okay. She then asked Me questions and got to a point stating with my consumer report she will have to verify who I Am. I said okay thats fine you can verify Me. So she started asking more questions and I answered then I let her know You can verify Me just dont run my credit I dont want any hard pulls dont want my credit ran. While on the phone with agent I received an alert from Equifax when I opened message it says Someone had checked my credit and did a HARD pull. I asked the agent XXXX did you just pull my credit I told you I didnt want my credit ran I did not authorize you to do a hard pull on my credit. She starts saying oh this was for a credit card etc. Not XXXX time before running my credit when she said they had a XXXX XXXX did she say it was a Credit card she was saying it as if it was a debit card. I immediately was like XXXX I told you no hard pulls on my credit and you never said anything about a credit card I did not have any inquiries on my report before she did that she was misleading did not give correct details I informed her why would I apply for a credit card over the phone when I can do a pre approval online for a soft pull I know that so why did she do that. I asked to speak with a supervisor to escalate the call. She says she couldnt get a sup they would have to call Me back within XXXX. Nooo XXXX  I need to speak with escalation now because I did not authorize you to run my credit especially said No hard pulls verifying who I Am and running my credit is not the same the agent used jargon and was misleading. I spoke with sup she advised they would dispute I asked her to pull the call and she will hear I clearly stated do not run my credit I dont want any hard pulls. Spoke with Equifax they gave Me the details to contact FCT to report this as fraud.
Consumer complaint received 2024-09-24
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: I.C. System, Inc. (CA)

I am writing to dispute inaccurate information related to an account reported by IC System, a third-party collection agency working on behalf of the original creditor, IC System ]. The details of the account are as follows : Account Name : IC System The specific inaccuracy is : [ Insert specific inaccuracy, e.g., incorrect balance, missed payments, account status, or whether the debt is valid ]. I request that this information be investigated and corrected or removed from my credit report, as appropriate. 

Since IC System is not a debt buyer and acts only on behalf of the original creditor, I am requesting that you forward this dispute to them, as well as the original creditor, for immediate action. 

Once the issue is resolved, I ask that you send me an updated copy of my credit report reflecting this correction. 

Thank you for your assistance in resolving this matter. I look forward to receiving confirmation of the resolution. 

Sincerely, daisyh
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (OK)

Pursuant to FDCPA Section 809 and FCRA Section 609 and Equal Credit Opportunity Act and 15 U.S. Code 1681b - Permissible purposes of consumer reports, you all being XXXX and XXXX and Experian and all those you service/serve are ordered to delete each and every invalid inquiry and invalid account and inaccurate account and invalid missed payment and invalid account balances within five days of failure to validate the information as well as unequivocal record proof that each person reporting invalid balances was the absolute and very first issuer of the credit in extension from XXXX XXXX XXXX with each inquiry and account subject to 15 U.S.C. 1635 for lack of full disclosure and failure to disclose my right to rescind my signature
Consumer complaint received 2024-08-22
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 filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-09-03
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. (MD)

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Unauthorized inquiries XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-03
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: Experian Information Solutions Inc. (FL)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

Under 15 U.S.C. 1681e ( b ), consumer reporting agencies are required to follow reasonable procedures to ensure the maximum possible accuracy of the information included in consumer reports. Furthermore, 15 U.S.C. 1681i ( 5 ) specifies that any information found to be inaccurate or incomplete must be corrected or deleted. 

In accordance with these statutes, I assert that the information reported for 1. ) XXXX XXXX, 2. ) XXXX is not entirely accurate across all three credit reporting agencies. Therefore, I am exercising my legal right to request that this account be updated to reflect accurate information or removed entirely from my credit report. 

I expect a thorough investigation into this matter and request that the inaccuracies be corrected within 30-45 days. If my request is not addressed within this period, I will have no choice but to pursue legal action, seeking {$1000.00} in damages for each inaccuracy on my credit report. 

Thank you for your prompt attention to this matter. I look forward to your timely response.
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (ID)

According to 15 U.S. Code 1681a ( 2 ) ( A ) ( i ), the law specifically states that reports which only contain information about direct transactions or experiences between myself and the company making the report should not be classified as " consumer reports. '' In other words, details about my payments or account activities with these accounts are not supposed to be included in the credit report that is shared with third parties. Why are they being reported?
Consumer complaint received 2024-09-03
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. (CA)

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXX : Account Number : XXXX : Balance : {$2500.00} Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX  : Account Number : XXXX  : Balance : {$180.00} Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX  : Account Number : XXXX : Balance : {$88.00} Account Name : XXXX : Account Number : XXXX : Balance : {$920.00} Account Name : XXXX XXXX : Account Number : XXXX : Balance : {$830.00} Account Name : XXXX XXXX : Account Number : XXXX : Balance : {$2900.00} Account Name : XXXX XXXX XXXX  : Account Number : XXXX Account Name : XXXX : Account Number : XXXX : Balance : {$350.00} Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX : Balance : {$10000.00} Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX : Balance : {$11000.00} Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX : Balance : {$13000.00} Account Name : XXXX XXXX XXXX Account Number : XXXX : Balance : {$2900.00} Account Name : XXXX  : Account Number : XXXX : Balance : {$15000.00} Account Name : XXXX : Account Number : XXXX : Balance : {$24000.00} Account Name : XXXX XXXX XXXX : Account Number : XXXX : Balance : {$81.00} Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-07-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

XXXX XXXX XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block 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 a car loan opened at XXXX XXXX XXXX on XX/XX/XXXX, XXXXXXXX credit card  opened XX/XX/XXXX and XXXX XXXX Credit  card XXXX XXXX, XXXX XXXX credit card opened XXXX XXXX XXXX XX/XX/XXXX XXXX I do not recognize the aforementioned accounts or collections as reported. The above mentioned accounts and collection appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the above and mentioned accounts and collections are the result of identity theft and fraud. I have attached all correspondence 's and a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the above mentioned consumer credit accounts and collections are the result of identity theft and fraud.
Consumer complaint received 2024-07-08
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. (IL)

A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct the following accounts : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX