davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-11
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. (WY)

I reported this inaccurate inconsistent incomplete account to both credit bureaus XXXX and experian for identity theft and they are still reporting this accountXXXX XXXX XXXX XXXX  acount # XXXX charged off balance of {$510.00} opened XX/XX/XXXX and XXXX is reporting XXXX XXXX XXXX XXXX acount # XXXX {$510.00} open date XXXX recieved an alert from. Experian the account was reaged to open date of XXXX balance changed to {$500.00} I reached out to XXXX XXXX XXXX XXXX and spoke to XXXX  on XX/XX/XXXX to ask them to please stop reporting this inaccurate inconsistent incomplete account to the credit bureaus and she hung up on me saying that this account wasn't the result of idenity theft and hung up on me.i filed a report with ftc in regards to me not knowing about this account and am attaching the report as proof.please stop violating my federally protected rights under 15u.s.c1681.delete account immediately.also I emailed the president this morning to help me.
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (TX)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ). 

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) 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 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (HI)

To Whom It May Concern, I looking at my credit report, and I noticed errors with my personal information, misspelling of my actual name, wrong, unknown old previous addresses, and some non-accounts hard inquiries that I'm not 100 % sure how it's here, and how you can mix such files. This is a big issue for me - Can you please fix it for me? As far as I know by reading the FTC, and FCRA laws and regulations, any others are inaccurate and/or outdated information must be deleted immediately from my credit report as they are not reportable as per the FCRA, since they are inaccurate. 

Listed below are the Personal Information that are being challenged : Incorrect DOB : - XXXX Incorrect Name : - XXXX XXXX XXXX Employer - XXXX XXXX XXXX XXXX Employer - XXXX XXXX XXXX  Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Incorrect Name : - XXXX XXXX XXXX Incorrect Name : - XXXX XXXX
Consumer complaint received 2024-08-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am submitting this complaint regarding late payments on my credit record. Upon reviewing my records, I discovered these late payments. I sent letters about this issue over 30 days ago, but I have not received a response, nor have I been provided with satisfactory validation. I request your assistance in resolving this matter promptly and effectively.
Consumer complaint received 2024-09-11
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (CA)

I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.EXPERIAN
Consumer complaint received 2023-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IA)

Dear Sir/Madam, I am writing this letter to dispute certain items on my credit report that have been reported by TransUnion and XXXX XXXX. Upon reviewing my credit report, I have noticed that there are several inaccuracies that are in violation of the Fair Credit Reporting Act ( FCRA ) and my consumer rights. 

Firstly, I would like to point out that the reporting of this information is inaccurate and incomplete, which has resulted in a significant negative impact on my credit score. As per the FCRA, it is mandatory for credit reporting agencies to ensure that the information they report is accurate and complete. However, in this case, I have found that the information reported by TransUnion and XXXX XXXX is not accurate, and it has caused damage to my credit history. 

Secondly, I have not received any notice from XXXX XXXX about the debt they are reporting on my credit report. As a consumer, I have the right to receive written notice of any debt that is being collected from me. However, XXXXXXXX XXXX has failed to provide me with such notice, which is a violation of the Fair Debt Collection Practices Act ( FDCPA ) and my consumer rights. 

Furthermore, I would like to mention that I have not authorized XXXXXXXX XXXX to obtain or report my credit information to TransUnion. The FCRA states that consumer reporting agencies are only allowed to obtain and report credit information with the consumer 's written consent. However, I have not given any such consent to XXXX XXXX or TransUnion, and their actions are in violation of my consumer rights. 

In light of the above violations, I request that TransUnion and XXXX XXXX remove the inaccurate and incomplete information from my credit report, as well as provide me with written confirmation of the removal of the disputed items. Additionally, I request that they cease all collection efforts related to this debt until they can provide me with the proper written notice as required by the FDCPA. 

I would appreciate your prompt attention to this matter and a timely response. Please do not hesitate to contact me if you require any further information or documentation. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-09-17
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)

I am writing to urgently inform you that I have been a victim of identity theft, resulting in multiple fraudulent entries on my credit report. This unauthorized account and inquiries were added without my knowledge or consent, and immediate action is required to address them. 

Account XXXX  XXXX Inquiries - DEPT OF ED XX/XX/XXXX - XXXX  XXXX XX/XX/XXXX I have already filed an identity theft report with the Federal Trade Commission ( FTC ) and am requesting the prompt removal of these fraudulent items to restore the accuracy of my credit report.
Consumer complaint received 2024-09-10
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. (AZ)

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 2023-06-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

Transunion continues to violate my rights under the FCRA. I am the victim of Identity theft and have complied with actions requested my TU and the financial institution that the fraudulent loan was taken out with. I have provided TU with a statement of the ID theft, ID verifying documents, FTC Identity theft report, and a police report of the fraud. 

Yet the account and late payments continue to remain on my report. Transunion is in complete violation of FCRA 605B. I have filed a police report supporting the facts set forth in my FTC declaration. This states the CRA is under a MANDATORY requirement to block this report from my credit report immediately in the receipt of a police report containing a sworn statement about the fraud. If TU continues to do so, I will be forced to consider legal action against TU as this information being on my report is a violation of my rights and harming my ability to seek credit.
Consumer complaint received 2024-09-17
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. (TX)

I am writing to express my serious concern regarding the lack of resolution for my previous dispute about unauthorized inquiries on my credit report, which I submitted on XX/XX/XXXX. According to my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ), I demand an immediate resolution.

Unauthorized Inquiry in Question : XXXX XXXX XXXX XXXX Section 611 ( 15 U.S.C. 1681i ) requires a prompt investigation of disputed information. I submitted my dispute over 30 days ago and have yet to receive an adequate resolution. 
Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the results of your investigation. To date, I have not received the required information.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. These inquiries were made without my consent and do not meet any permissible purpose under this section.

Immediate Request : I demand immediate action to resolve this dispute. Specifically, I request the following : Thorough Reinvestigation : Conduct a thorough reinvestigation of the unauthorized inquiry.

Updated Credit Report : Provide me with an updated copy of my credit report reflecting these changes.
Consumer complaint received 2024-09-17
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. (IL)

I know I pay on time, so Im unsure why this company is showing late payments for specific months. USC 1666b states that billing errors should be fixed and updated to " paid as agreed. ''
Consumer complaint received 2024-09-10
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. (IN)

These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.
Consumer complaint received 2024-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NV)

Here is a revised version of your dispute letter, incorporating the details from your credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Formal Dispute of Inaccurate and Fraudulent Account Reporting under FCRA and TILA Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Account Numbers : XXXX ( Installment ), XXXX ( Revolving ) Balance : {$0.00} ( Installment ), {$1900.00} ( Revolving ) Dear Sir/Madam, I am writing to formally dispute the inaccurate reporting of two accounts listed under my credit profile from XXXX XXXX XXXX XXXX XXXX These accounts one Installment and one Revolving are falsely associated with me, and I have no connection to XXXX XXXX XXXX XXXX or any of their products. The details presented in my credit report are inaccurate and fraudulent. 

Account Details : Installment Account Closed Date : XX/XX/XXXX ( Equifax )/ XX/XX/XXXX ( XXXX ) Open Date : XX/XX/XXXX Payment Status : Paid account/was 30 days past due ( XXXX ) Worst Delinquency : 30 days past due Balance : {$0.00} Revolving Account Last Updated : XX/XX/XXXX ( Equifax ) XXXX XX/XX/XXXX ( XXXX ) Payment Status : Paid or paying as agreed Worst Delinquency : 60 days past due ( XXXX ) Balance : {$1900.00} ( XXXX ) Credit Limit : {$1000.00} ( Equifax ) Legal Basis for Dispute : FCRA Violations- Inaccurate Reporting ( 15 U.S.C. 1681 ) : As per the Fair Credit Reporting Act, credit bureaus are obligated to maintain only accurate and verifiable information on consumer credit reports. Neither of these accounts is mine, and the reporting of these accounts under my name is false and constitutes inaccurate reporting in violation of FCRA.

TILA Violations - Creditor Definition ( 15 U.S.C. 1602 ( i ) ) : Under the Truth in Lending Act, a creditor is defined as an entity that extends consumer credit and to whom a debt is owed. I have no accounts with XXXX XXXX XXXX XXXX, and these reported accounts are therefore fraudulent. The presence of these accounts is a violation of my rights under TILA. 

Actions Requested : Immediate Removal of Accounts : I request that you investigate the accuracy of these accounts with XXXX XXXX XXXX XXXX and remove them from my credit report as they do not belong to me. 

Written Confirmation of Removal : Once the investigation is complete and these accounts are removed from my credit report, I ask that you provide written confirmation that these actions have been taken. 

Under the FCRA, I expect this matter to be resolved within 30 days. Failure to act within this timeframe may result in legal action to protect my rights. 

Thank you for your prompt attention to this matter. I look forward to your confirmation of the removal of these inaccurate and fraudulent accounts. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.
Consumer complaint received 2024-10-03
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. (TX)

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, account # XXXX, has 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 a account without my written instructions.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I am submitting this complaint on my own behalf regarding late payments on my credit record. Upon reviewing my credit report, I discovered the presence of these late payments. Despite sending letters over 30 days ago, I have not received a response, and the creditor has failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter.
Consumer complaint received 2024-11-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PINNACLE RECOVERY, INC. (IL)

Hello and Good day, I can't express enough how frustrating and overwhelming this situation is. Imagine waking up one day to find a debt in your name that you have no knowledge ofcompletely unverified and not yours. On top of that, facing constant harassment through various channels, using all sorts of tactics, and even threats of legal action. As a law-abiding citizen, this is incredibly insulting, with my rights as a consumer being blatantly disregarded. This ordeal has taken a serious toll on my mental health, and Ive been losing sleep over it for days.
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: EQUIFAX, INC. (PA)

I am submitting this complaint on my own behalf regarding late payments on my credit record. Upon reviewing my credit report, I discovered the presence of these late payments. Despite sending letters over 30 days ago, I have not received a response, and the creditor has failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter.
Consumer complaint received 2023-07-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A. (TX)

The Citi Dividend card offers a cash back feature and I had accumulated greater than a thousand dollars in rewards. When Citi unexpectedly changed a number of other card benefits, card usage came to a complete halt. The reward dollars were lost because the card was not used for over a year. Apparently, this is in the card terms and conditions wherein reward dollars are forfeited if the card is not actively used. I was not aware of this. However, during the course of over one year, no updates, no card statements or notifications were provided as Citi kept on deducting reward dollars. 

I believe Citi had a responsibility to provide statements each month when the reward dollars were being deducted and the balance was being reduced. This would have alerted me to the issue and enabled me to take corrective action. 

Multiple calls to customer service have not resulted in Citi acknowledging their fault of not notifying customers when customer funds were being deducted from customer reward account.
Consumer complaint received 2024-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

I am writing to formally request the removal of several unauthorized accounts and inquiries from my credit report. These accounts and inquiries are not associated with me, and I did not authorize their inclusion on my report. The presence of these inaccuracies is the result of a data breach that has adversely affected my credit standing, leading to a significant drop in my FICO score.

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of all unauthorized accounts and inquiries.
Consumer complaint received 2024-09-17
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)

I AM A VICTIM OF XXXX XXXX, AFTER FINALLY GAINING BACK ACCESS TO MY PERSONAL INFORMATION I NOTICED A SLEW OF ACCOUNTS THAT I NEVER CONSENTED TO BEING OPENED NOR HAVE I UTILIZED. I WAS ABLE GET SOME ASSISTANCE WITH VIEWING ALL MY CONSUMER REPORTS AND CONTACTING THE CREDIT REPORTING AGENCIES. CONTINUING TO FURNISH THESE FRAUDULENT ACCOUNTS TO MY CREDIT REPORT IS IN VIOLATION OF BOTH 15 USC 1681 C-2 AND 15 USC 1681 C-3. EACH REPORTING AGENCY HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY AND DUE TO THE UNFORTUNATE EVENTS, THESE ACCOUNTS WERE SUBJECT TO REMOVAL WITHIN 4 BUSINESS DAYS. AS I HAVE GOTTEN BACK ON MY FEET, THESE ACCOUNTS ARE SEVERELY IMPACTING MY ABILITY TO OBTAIN NEW LINES OF CREDIT FOR MYSELF. MY CONSUMER LAWS ARE BEING VIOLATION WITH THESE FRAUDULENT ACCOUNTS BEING REPORTED. I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B I ALSO NOTICED ADDRESSES BEING REPORTED WHERE I NEVER RESIDED, AND REQUESTED THAT THEY BE REMOVED.