davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-26
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: Experian Information Solutions Inc. (GA)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than XXXX  days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice 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 XXXX, Experian, and XXXX XXXX XXXX.
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

I am a victim of Identity theft. This is my official statement about the crime. 
Contact Information FTC Report Number : XXXX First Name : Last Name : XXXX XXXX Address : Phone : Email : XXXX XXXX XXXX, XXXX XXXX, GA XXXX XXXX XXXX XXXX Personal Statement I did not authorize these inquiries to be pulled from my credit report and i want them to be remove XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Accounts Affected by the Crime Fraudulent Charges to My Credit Card Company or Organization : Date fraud began : XX/XX/XXXX4 Fraudulent Charges to My Credit Card Company or Organization : Date fraud began : XX/XX/XXXX XXXX XXXX XXXX XXXX Credit Card Company or Organization : Date fraud began : XX/XX/XXXX XXXX Date that I discovered it : XX/XX/XXXX XXXX XXXX XXXX  Date that I discovered it : XX/XX/XXXX XXXX  Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$0.00} Total fraudulent amount : {$0.00} Total fraudulent amount : {$0.00} XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Company or Organization XXXX XXXX XXXX Date fraud began : XX/XX/XXXX Fraudulent Charges to My Credit Card Company or Organization : Date fraud began : XX/XX/XXXX Date that I discovered it : XXXXXX/XX/XXXX World accep Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$0.00} Total fraudulent amount : {$0.00}
Consumer complaint received 2024-09-14
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. (GA)

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 2024-07-31
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)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/XXXX but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-08-23
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. (AZ)

Name : XXXX XXXX, Social Security Number : XXXX, Date of Birth : XX/XX/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 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 personal credit card accounts opened at XXXX XXXX XXXXXXXX XXXX on XX/XX/XXXX under the account number ( XXXX ) and ( XXXX ), XXXX personal credit card account opened at XXXX XXXX XXXXXXXX on XX/XX/XXXX under the account number ( XXXX ). 
These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, 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, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2024-09-26
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. (GA)

I am writing to delete the following information in my file. The item I need deleted are listed in the report. I am a victim of identity theft and did not authorize thoses charges or account. I ask that the item be deleted to correct my credit report. 
I reported the theft of my identity to the federal commission and i also have enclosed copies of the federal trade commission Identity Theft Affidavit. Please delete the item as soon as possible.
Consumer complaint received 2024-07-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I am submitting this complaint to request that XXXX, TransUnion, and XXXX XXXX the following information appearing on my consumer credit report due to identity theft and fraud, as required under FCRA 605B ( 15 U.S.C. 1681c-2 ) : A personal credit card account opened at XXXX XXXX XXXX on XX/XX/XXXX under Status : Charged off, past due amount : {$520.00}. A collection account opened at EXTRA on XX/XX/XXXX for a balance of {$310.00} under XXXX : XXXX account, past due amount : {$310.00}. Two collection accounts opened at XXXX XXXX XXXX on XX/XX/XXXX, XXXX for a balance of {$120.00} under Status : Collection account, past due amount : {$120.00}, and another for a balance of {$750.00} under Status : Collection account, past due amount : {$750.00}. A collection account opened at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX for a balance of {$72.00} under Status : Collection account, past due amount : {$72.00}. These accounts or late payments are not mine, and I request that you block them from my credit report within 4 business days of receiving this complaint. I demand that you investigate these matters immediately. According to FCRA 611 ( 15 U.S.C. 1681i ), you are required to conduct a thorough and timely investigation. I expect the removal or correction of these inaccuracies without delay.
Consumer complaint received 2024-09-14
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. (TX)

Consumer Name : XXXX XXXX Consumer Social Security Number : XXXX Consumer Date of Birth : XX/XX/XXXX Complaint Details : This complaint is filed with the CFPB to request, under FCRA 605B ( 15 U.S.C. 1681c-2 ), that TransUnion block the fraudulent information on my credit report within 4 business days of receiving this complaint. The fraudulent information includes the following Collection Accounts : - XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX These accounts have led to several fraudulent hard inquiries and collections appearing on my XXXX credit report. I have attached a list of the hard inquiries and a copy of my XXXX credit report showing these fraudulent items. I do not recognize these accounts, collections, or hard inquiries and did not open, make, or initiate them. They are the result of identity theft and fraud. Attached is FTC Identity Theft Criminal Complaint # XXXX from the US Federal Trade Commission, verifying that these items are indeed the result of identity theft and fraud.
Consumer complaint received 2024-08-23
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. (NY)

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 these 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 and XXXX XXXX XXXX
Consumer complaint received 2024-09-14
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. (CO)

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

I looked at my TransUnion credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to XXXX XXXX XXXX ( XXXX ) ( b ). 

And according to XXXX XXXX XXXX XXXX they are suppose to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to XXXX XXXX XXXX they are suppose to 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 2024-08-23
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. (PA)

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 XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-09-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.
Consumer complaint received 2024-08-23
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. (AZ)

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, the XXXX 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 personal credit card accounts opened at XXXX XXXX XXXXXXXX XXXX on XX/XX/XXXX under the account number ( XXXX ) and ( XXXX ), an XXXX account opened at XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX under the account number ( XXXX ), a fraudulent XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX under the account number ( XXXX ) that is attached to a collections account opened at XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX with a balance of {$990.00} that appears related to the aforementioned Rental Apartment rented at XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, 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, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2024-08-05
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: AMERICAN EXPRESS COMPANY (NC)

On Thursday XX/XX/XXXX between XXXXXXXX XXXX  and XXXXXXXX XXXX I received two emails from bluebird which is affiliated with American Express XXXX XXXX Unfortunately since I was under the weather, I did not check email until Monday, XX/XX/XXXX when I contacted them. The number in their emails to me directed me to their fraud department who refused to give me any information and told me that the department that handles it. I would have to write a letter and mail the letter and wait for them to send me an email response. They claim they close my account due to XXXX in their member agreement. I looked up XXXX in their member agreement. In essence XXXX discusses either fraudulent activity or breach or they have the right to close an account if its not being used or if there was an overdraft of about {$37.00} which I had already called them about once since I was trying to figure out how that could happen since its a prepaid card with no overdraft feature. Supposedly they were opening an investigation, and instead they shut down my account. 

I have other accounts with different banks, so all I need from American Express. XXXXXXXX XXXX was my routing number and account number so I could have my Social Security direct deposited into another bank. They REFUSED to give it to me When I called the number in the email, which was the fraud department, and they referred me to having to hand write a letter to their customer service department in XXXX, Georgia. It couldve been resolved today since I was out and about and couldve covered the overdraft. Even though there were several charges I was disputing. I called customer service a couple of weeks ago and they refused to dispute a charge because they said I do business with XXXX so because there was a charge that I did not make on a day I did not order anything they refused to dispute it. 

In any event, I want to keep the account closed. All I want is my routing number and account number so that I can have my Social Security check deposited to a different bank. I no longer want to do business with them. 

Social Security will not let me change the routing number and account number and less I provide the current information so I need the American Express XXXXXXXX XXXX  and or a bluebird prepaid card to provide that information to me.
Consumer complaint received 2024-09-14
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)

Subject : Complaint Against Transunion for Violation of Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Transunion for its refusal to remove a charge off account from my credit report in violation of the Fair Credit Reporting Act ( 15 USC 611 ). 

Account Information : Creditor Name : XXXX XXXX XXXX  Account Number : Date of Charge Off : XX/XX/year> Amount : {$3400.00} I have previously disputed the accuracy of this charge off account with Transunion and provided evidence that the information is inaccurate. However, Transunion has failed to conduct a proper investigation and continues to report the inaccurate information on my credit report. 

Under the Fair Credit Reporting Act, I have the right to request the removal of inaccurate or outdated information from my credit report. Transunion refusal to comply with this law is a clear violation of my consumer rights. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against Transunion for its non-compliance with the Fair Credit Reporting Act. I am seeking the immediate removal of the inaccurate charge off account from my credit report. 

Thank you for your attention to this matter. I look forward to a prompt resolution and your assistance in ensuring that Transunion upholds its obligations under the law. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NC)

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 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 2024-08-23
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. (NC)

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 XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.