davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NY)

The Following NAMES & EMPLOYERS are being reporting by Experian on my consumer report and are inaccurate.15 USC 1681EB, Consumer reporting agencies are suppose to assure maximum possible accuracy according to the fair credit reporting act. 

INCORRECT Names : XXXX, XXXX INCORRECT Addresses : XXXX XXXX XXXXXXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX EMPLOYER : XXXX
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-10-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Recently checking my credit report I noticed inquiries that I had no knowledge of - Here are the inquiries I found. XXXX XX/XX/2024, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. Please remove these fraudulent inquiries from my credit report. I also attached my identity theft report as well.
Consumer complaint received 2024-10-07
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. (MO)

Upon reviewing my credit report, I found information that is incorrect and not in compliance with 15 USC 16c-2. This is affecting my creditworthiness, and the hard inquiries were not authorized by me.
Consumer complaint received 2024-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

I am filing a formal complaint regarding repeated inaccurate reporting on my credit file by both XXXX and Experian, concerning two separate matters : 1. XXXX XXXXXXXX Account ( Account # XXXX ) For years, I have tried to get this issue resolved. I even contacted the CEO of XXXX XXXX, but no resolution was ever provided. XXXX XXXXXXXX more than tripled the balance after closing my account without any notice, despite the fact that I always paid on time. The current reported balance is {$3500.00}. This is my fourth or fifth attempt to have the balance due on this account accurately updated. Despite numerous requests to XXXX, Experian, and XXXX XXXX for a fact check and verification of the balance, no corrective action has been taken. 

If this matter is not resolved promptly, I will have no choice but to seek arbitration. Additionally, I will escalate this to the Federal Trade Commission ( FTC ) and pursue claims under the Fair Credit Reporting Act ( FCRA ) for failure to correct these errors. 

XXXX has already removed it years ago since it was inaccurate and expect you to do the same. 

2. XXXX XXXX XXXX showing as Collection XXXX for XXXX XXXX  There is an incorrect collection account reported by XXXX XXXX XXXX for a debt allegedly owed to XXXX XXXX. I am not liable for this debt, and I have no contractual relationship with XXXX XXXX XXXX. Despite my request for the original contract and proper documentation, none has been provided, making this debt unsubstantiated. This collection should be immediately removed from my credit report as I am under no obligation to XXXX XXXX XXXX. 

In addition, I would like to highlight that due to the recent Experian data breach, millions of consumers ' sensitive information, including personal and financial data, have potentially been exposed. This incident increases the urgency of resolving my credit disputes, as I am now more vulnerable to potential identity theft and fraud. With Experian being at the center of this breach, I demand that these inaccuracies be addressed immediately. Otherwise, I will be forced to pursue arbitration and further escalate to the FTC or other relevant agencies under the FCRA. 

Please confirm receipt of this complaint and provide details on any actions taken to resolve it. 

Thank you for your attention to this matter.
Consumer complaint received 2024-09-16
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)

After reviewing m report i found many inaccuracies on my report the this is a violation of the fcra 1681 ( e ) ( b ) the law states that whenever a consumer reporting agency reports on a consumer report they should follow reasonable procedures to assure maximum possible accuracy of the information on a consumer report the following accounts reports late payments that need to be updated from late to current according to fcra : XXXX XXXX Acct # XXXX 30 days late from XXXX, XXXXXXXX XXXX XXXX XXXX and 30 days late XXXX, XXXX XXXX XXXX, XXXX and 60 days late XXXX XXXX XXXX  please update to current, XXXX XXXX Acct # XXXX XXXX days late for XXXX XXXX60 days late for APR 90 days late for XXXX and 120 days late for XXXXXXXX XXXX XXXX XXXX XXXX Acct # XXXX 30 days late XXXX of XXXX, XXXXXXXX XXXX XXXX  ss Acct # XXXX 30 days late XXXX of XXXX Also i found one unauthorized inquire on my report performance on XX/XX/XXXX please delete inaccurate inquiry
Consumer complaint received 2024-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (TX)

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Goal Structured Solutions, LLC (GA)

I previously sent a letter asking for the documentation you used to verify these late payments, such as a transactional history, since what's reporting is not in line with any of my records and I know for certain that what's reporting is incorrect and inaccurate. Late payments affect my scores by a great deal, for sure you know that. How would you feel if the late payments reporting are not true but it keeps on weighing down your scores. SEE ATTACHED!!
Consumer complaint received 2024-10-08
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. (NC)

In accordance with the fair credit reporting at the list of accounts, below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC1681. Accounts in question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Some accounts have inconsistencies. section 602A states I have the right to privacy. 15 USC 1681 section 604A section 2 states a consumer reporting agency can not furnishing an account without my written instructions. 15 USC 1681 C ( 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 conviction or crimes which antedates the report by more than seven years. 15 USC 1681 s-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 an accurate
Consumer complaint received 2024-10-08
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. (NY)

I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items. 

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.
Consumer complaint received 2023-07-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MS XXXX Transunion, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ATTN : Consumer Affairs RE : Personal Information Amendment To Whom This May Concern, With respect to Chapter 41 : 15 U.S. Code 1681, I, being a consumer, am entitled to a accurate and complete consumer report. According to my consumer report generated on, XX/XX/2023 there are some inaccurate, not applicable, fraudulent personal information listed. This letter serves as an initial attempt to have my personal information amended to what is correct and truth standing. Within 30 days from receipt of this letter, insured and tracked by XXXX, the following information needs to be omitted. Please note upon completion of the requested, a new updated copy of my consumer report should be mailed to the mailing address that you have on file... promptly. 

Omit the following inaccurate addresses : XXXX XXXX  XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXXI, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX Omit the following employers XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Attached to this initial request I have attached my identification. I suspect that you would have no issues removed the aforementioned information in a timely fashion. 

Kind Regards, XXXX : XXXX [ Agent/Beneficiary ] Without Prejudice, All Natural Inalienable Rights Reserved
Consumer complaint received 2024-10-08
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. (CT)

XXXX XXXX XXXX XXXX XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-09-16
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. (PA)

My identity was stolen back in XXXX and again in XXXX during the pandemic. Since then Ive been having inquires and accounts that I have no knowledge of appearing on my credit report. Ive applied a police report and a credit alert with all bureaus to my credit again on and Im still seeing unauthorized inquiries on my report. Its unfortunate that my identity has been leaked because I do own some of these accounts, but Im not the one authorizing use if my credit so its been difficult to keep up with the fraudulent activity these days I recently unfroze my credit for a new cell phone line and Im thinking thats the reason.. hoping for you to please help investigate and remove all unauthorized inquires and credit cards I have listed from my credit report immediately. The accounts in questions are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I previously sent a letter asking for the documentation you used to verify these late payments, such as a transactional history, since what's reporting is not in line with any of my records and I know for certain that what's reporting is incorrect and inaccurate. Late payments affect my scores by a great deal, for sure you know that. How would you feel if the late payments reporting are not true but it keeps on weighing down your scores. SEE ATTACHED.
Consumer complaint received 2024-09-16
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. (TX)

I am challenging the accuracy of specific data on my credit report as it incorrectly reflects my financial transactions. This issue represents a breach of the Fair Credit Reporting Act, specifically section 15 U.S.C. 1681e ( b ), which requires credit reporting agencies to maintain accurate and updated information in consumer reports. I have provided documents that demonstrate these inaccuracies, and I urge a swift investigation and amendment of these errors.
Consumer complaint received 2024-09-16
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. (IL)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items is UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
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 2024-10-07
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. (PA)

Based on, 15 U.S. Code 1681c-2 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. It has been 30 days and you are in XXXX of this law because I am a victim of identity theft!! Please delete these items as soon as possible! These accounts should not be furnished on my consumer report as they are in XXXX!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency XXXX furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed iMMEDIATELY.
Consumer complaint received 2024-10-07
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)

i have been a victim of identity theft. There are inquires on my credit report as a result of identity theft. I did not authorize these inquires. Attached is an FTC report regarding these fraudulent inquires.
Consumer complaint received 2024-09-16
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NE)

I am submitting this complaint to address two related issues : 1. Incorrect Reporting by Experian XXXX : Experian XXXX has reported inaccurate information regarding a debt claim made by XXXX XXXX XXXX. The debt, allegedly tied to an account with the original creditor XXXX XXXX XXXX XXXX  ( account number XXXX ), is reported to be {$500.00}. This debt is erroneous and has not been substantiated. The inaccurate reporting by Experian XXXX is negatively impacting my credit score and financial standing. 
2. Failure of XXXX XXXX XXXX to Validate the Debt : I initially disputed this debt in a complaint filed with the CFPB on XX/XX/2024 ( Complaint ID : XXXX ). It has been over 30 days, and XXXX XXXX XXXX has not provided a satisfactory response or the necessary documentation to substantiate this alleged debt. Specifically, XXXX XXXX XXXX has failed to provide : The Original Contract or Agreement : No original signed contract or agreement has been provided, which would demonstrate my legal obligation to repay the debt. 
Detailed Account History : The documentation lacks a comprehensive account history showing all transactions, charges, fees, and payments applied to the alleged debt. This itemization is necessary to verify the debts validity and amount. 
Proof of Assignment or Ownership : If XXXX XXXX XXXX is not the original creditor, they have not provided evidence of a legitimate assignment or transfer of the debt that establishes their legal right to collect it. This should include a clear chain of title from the original creditor to XXXX XXXX XXXX. 

Under the doctrine of estoppel by silence, as established in XXXX v. XXXX ( Mo ) XXXX XXXX XXXX, I am presuming that no proof of the alleged debt exists, and therefore, the debt itself does not exist.
Consumer complaint received 2024-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NJ)

Re : Request for Removal of Account Information XXXX XXXX  Account Number : XXXX Dear XXXX I am writing to formally request the removal of a derogatory entry on my credit report related to an account with XXXX XXXX. This request is based on the recent judgment in the class action lawsuit against XXXX XXXX, which mandates the removal of derogatory information from consumers ' credit reports due to unfair practices and predatory lending. 

The relevant case is In re : XXXX XXXX XXXX Dealer Interest Rate Overcharges Litigation. The judgment issued in this case requires that any negative credit information associated with XXXX XXXX be removed from consumers ' credit reports as a result of the improper practices identified in the lawsuit. 

The details of the account are as follows : Creditor : XXXX XXXX  Account Number : XXXX Original Account Status : Collection/Chargeoff Date Reported : XX/XX/2024 According to the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute and request the removal of inaccurate or outdated information from my credit report. The removal of this account is in accordance with the courts ruling, which has deemed such information invalid due to the predatory nature of the lending practices involved. 

In light of the judgment and the provisions under the FCRA, I request that you promptly remove this account from my credit report. Please confirm in writing once this action has been completed. Additionally, I would appreciate a copy of my updated credit report reflecting these changes. 

Should you need any further information or documentation, please do not hesitate to contact me at [ Your Phone Number ] or [ Your Email Address ]. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-11-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MI)

I want to report Identity Theft that has been going on for years without my knowledge. I never knew much about credit or cared to use it until recently. Now that I'm looking to build my credit I've noticed several things on my report that I have never opened up or authorized. I did lose my wallet back in XXXX. I had my drivers license along with my social security card in my wallet. Someone has been using my identity without me knowing. I never opened an account with the follow companies ; XXXX Opened XX/XX/XXXX for {$210000.00}, XXXX  XXXX Opened XX/XX/XXXX for {$300.00}, XXXX XXXX  Opened XX/XX/XXXX for {$2500.00} Ive sent in disputes for these items before. Ive went to the XXXX Police Department in Michigan to get police reports made of the theft, previous sent in CFPB claims, and Ive also filed FTC reports as well which are both attached below. These last accounts have yet to come off
Consumer complaint received 2024-10-07
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. (AZ)

I applied for an auto loan at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> ) and was told that I was applying for financing through them. A few weeks later, checked my credit report and noticed SEVERAl hard inquiries on my report that I did not authorize. My information was being ran through a lender database without my permission. I want these hard inquiries removed. I did not authorize these companies to use my information and this is against the fair credit reporting act.

I have also filed an identify theft report. 

The following hard inquires were not authorized or approved otherwise with my signature or verbal approval : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX