davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-01
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)

I am writing to report a distressing incident of identity theft that has been ongoing since XXXX, which has resulted in significant financial loss and damage to my credit. Despite my best efforts, I have been unable to successfully rectify the situation due to the relentless actions of the perpetrators, who continue to exploit my personal information for their own gain. 
Recently, I experienced another setback when my gym bag was stolen, containing my wallet and cell phone. The individual responsible for this theft has not only gained access to my personal information but has also compromised my bank account. Substantial funds were withdrawn without my authorization, leaving me in a precarious financial situation. 
Furthermore, I have discovered numerous unauthorized inquiries from XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX , XXXX XXXX XXXX, XXXX XXXX XXXX XXXX , XXXX XXXX XXXX, XXXX XXXX XXXX , XXXX XXXX, XXXX XXXX XXXX , XXXX XXXXXXXX , XXXX XXXX, XXXX , XXXX XXXX, XXXX XXXX XXXX , on my credit report, indicating that the thief has been attempting to secure additional lines of credit and loans using my identity. These inquiries and accounts have severely impacted my credit score more then XXXX points and have the potential to further complicate my financial stability. 
In addition to the aforementioned incidents, the thief has exploited my personal contact information, including my cell phone number, email address, and home address. They have even gone as far as using my photo ID, which was unfortunately stored in my stolen wallet. Additionally, my wallet contained not only my own Social Security card and ID but also my XXXX XXXX XXXX daughter 's Social Security card ( XXXX XXXX XXXX ), credit cards, and bank cards. 
Given the severity of these circumstances, I have closed my compromised bank account and establish a new one, Furthermore, I have cancel my debit and credit cards. 
I kindly request your urgent assistance and thorough investigation into this matter. I have already contacted XXXX XXXX Texas law enforcement twice once when I first found out that was a victim of identity theft in XXXX see report RE : XXXX and RE : XXXX. This report serves as an official statement regarding the ongoing identity theft, fraudulent activities, compromised bank account, and fraudulent inquiries and accounts in my credit report, along with fraudulent use of my social security number, ID, home address, email address and phone number. 
I deeply appreciate your understanding, support, and expeditious attention during this distressing time. If there are any updates or further information required, please do not hesitate to reach out to me. 
Thank you for your prompt action in addressing this matter.
Consumer complaint received 2024-07-30
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. (FL)

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
Consumer complaint received 2024-06-12
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)

Experian put a collection action against my credit report that was not mine. XXXX, 2024. I have filed a police report, tried working with the collection agency. Experian did remove the collection action. My credit score was in the XXXX range, dropped to XXXX due to fraudulent activity. Once the collection was removed Experian has not put my credit score back to where it was previously. They claimed there was nothing they could do regarding my score and that I would have to file a dispute with this agency. I am being punished for the collection that has been cleared and should have my credit score repaired to the number it was prior to this identity theft and fraud
Consumer complaint received 2024-07-25
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)

I checked my credit report this morning and I am super disappointed with what came up. There are inaccurate accounts still there. I have no idea regarding those inaccurate accounts and I do not know why they're reporting as mine. To further give more information about this, please check the documents that I've sent.
Consumer complaint received 2024-06-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CT)

Experian claims that I am late on credit card payments from my credit card company XXXX XXXX XXXX. 

XXXX XXXX XXXX confirms that I am not late and have not been late for a number of years. 

Experian refuses to update my credit score decrease because of this. 

I have disputed it twice
Consumer complaint received 2024-06-12
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. (TX)

Upon conducting a thorough investigation into my credit report, I uncovered several discrepancies that have significantly impacted my mental XXXX. The discovery of unverifiable, invalidated, inaccurate, and questionable items has caused me XXXX XXXX. It is imperative to emphasize that your agency 's reporting must adhere to the standards set forth by the Fair Credit Reporting Act. 

Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ), it is explicitly stated that all reported information must be entirely accurate. The presence of these accounts in violation of such statutes raises serious concerns regarding the integrity of my credit report. 

I have attached copies of all correspondence previously sent in an effort to address these issues. It is my expectation that your agency takes immediate action to rectify these inaccuracies and ensures that my credit report reflects only completely verified and accurate information, as mandated by law. 

Thank you for your prompt attention to this matter.
Consumer complaint received 2024-06-12
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. (CA)

If there are any inaccuracies or incomplete information regarding my accounts, judgments, liens, balances, payment history, late payments, account history, or any other details in my credit report, I request that you promptly correct or remove those items from my credit file in accordance with the Fair Credit Reporting Act
Consumer complaint received 2024-08-03
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. (GA)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX TransUnion XXXX XXXX XXXX XXXX, PA XXXX RE : XXXX  Block Request Dear Sir or Madam : I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

These fraudulent accounts consist of a XXXX XXXX XXXXXXXX Account XXXX Opened XX/XX/XXXX, a personal credit card XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX under the account number XXXX, an XXXX XXXX  account opened XX/XX/XXXX at XXXX XXXX XXXX XXXX XXXX account number XXXX, a personal credit card account opened XX/XX/XXXX at XXXX XXXX XXXX XXXX  XXXX account XXXX, a personal credit card account opened XX/XX/XXXX at XXXX XXXX UNDER ACCOUT XXXX. Also, a XXXX  XXXX Bankruptcy filed XX/XX/XXXX case # XXXX, XXXX  XXXX case # XXXX XXXX  ; XXXX XX/XX/XXXX and XXXX XXXX case # XXXX filed XX/XX/XXXX. 
Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter. 
Sincerely, XXXX XXXX Please respond to email XXXX XXXX
Consumer complaint received 2024-08-29
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. (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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and list of Inquiries. 

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 2023-02-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous accounts that needs to be investigated and corrected : 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 2024-07-29
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: SYNCHRONY FINANCIAL (NY)

On XX/XX/year>, I had XXXX credit inquiries from XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. The companies had been informed of my identity theft, and the inquiries have cleared from XXXX and XXXX. There was no completion for the credit card applications. However, the inquiries remain on my XXXX credit report.
Consumer complaint received 2024-07-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (GA)

Subject : Dispute of Inaccurate Information on LexisNexis, XXXX, and XXXX Report and Request for Detailed Description of Verification Methods To Whom It May Concern, Details of Complaint : I am writing to formally dispute inaccurate information on my LexisNexis, XXXX, and XXXX XXXX report. Upon reviewing my report, I identified several discrepancies that need correction for a fair assessment of my creditworthiness. Accurate reporting is essential, and I believe the current inaccuracies may adversely affect my financial opportunities. 
Despite previous attempts to rectify these issues through the standard dispute process, the items in question were not properly verified. Therefore, I am now requesting a Detailed Description of the Verification Methods used during the investigation of my dispute.

Specifically, I request the following details regarding your investigation : 1. Methods Used : Please describe the specific methods and procedures used to verify the disputed information.

2. Sources Consulted : Provide a list of all sources, including creditors or data furnishers, consulted during the investigation.

3. Documentation Reviewed : Detail any documentation or evidence reviewed to support the verification of the disputed information.

4. Verification Process : Explain how the accuracy of the information was verified and the criteria used for validation.

5. Timeline of Investigation : Outline the timeline of the investigation, including key dates and actions taken. 
Violations of XXXX : I believe the verification process by LexisNexis, XXXX, and XXXX XXXX violate my rights under the following laws : 1. 15 U.S.C. 1681e ( b ) : Compliance procedures to ensure maximum possible accuracy of consumer reports.

2. 15 U.S.C. 1681i : Procedure in case of disputed accuracy.

3. 15 U.S.C. 1681s-2 ( a ) ( 1 ) : Responsibility of furnishers of information to provide accurate information.

4. 12 CFR 1022.42 : General requirements for reasonable investigation of disputes.

5. 15 U.S.C. 1681c ( a ) ( 5 ) : Prohibition of adverse information older than seven years.

I request the Consumer Financial Protection Bureau ( CFPB ) facilitate a thorough reinvestigation of the disputed information in my LexisNexis, XXXX, and XXXX report. Specifically, I ask that : XXXX. LexisNexis, XXXX, and XXXX provides a detailed description of their reinvestigation process and how they verified the disputed information. 
XXXX. LexisNexis, XXXX, and XXXX corrects the inaccuracies in my report as identified. 
Enclosed are copies of my LexisNexis, XXXX, and XXXX report highlighting the disputed items and any supporting documentation ( e.g., payment records, correspondence ) that proves my claim. Please review this information and correct the inaccuracies promptly. Under the FCRA, you are required to investigate my dispute within 30 days.
Consumer complaint received 2024-06-12
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. (FL)

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. 


I told Experian, XXXX, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX however, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

My account with ( CREDITOR NAME ) was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in those account to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


( CREDITOR NAME ) Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Consumer complaint received 2024-06-12
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. ()

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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. 
So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 


This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : DEPTEDXXXX XXXX XXXX, XXXX - XXXX, DEPTEDXXXX XXXX XXXXXXXX, DEPTEDXXXX XXXX XXXX, DEPTEDXXXX XXXX XXXXXXXX, DEPTEDXXXX XXXX XXXXXXXX, "
Consumer complaint received 2024-06-12
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. (CT)

On XX/XX/year> I never opened up an account with XXXX XXXX XXXX .. On XX/XX/year> I never opened up an account with XXXXXXXX XXXX  These accounts was fraudulently opened and sold too XXXX XXXX Which is also fraud
Consumer complaint received 2024-06-12
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. (NJ)

On XX/XX/2024 my identity was leaked in a breach including address, name, social and bank account info. I contact said credit bureau and made them aware of the situation and proceeded to dispute, a month later it came back as accurate which I was then told to file an identity theft report which I did on XX/XX/2024. My ftc report # XXXX the following account is fraudulent and was opened without my knowledge or consent XXXX : XXXX XXXX XXXX
Consumer complaint received 2024-08-02
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SANTANDER HOLDINGS USA, INC. (AZ)

Subject : Dispute of Unlawful Eviction Reporting and Request for Debt Validation To Whom It May Concern, I am writing to formally dispute the reporting of an eviction and the subsequent handling of this debt by Santander Consumer USA, the third-party debt collector. I request validation of this debt, as I was not properly informed of the debt nor provided with the necessary notification to dispute it. 
Inaccurate Information : - Reporting of eviction and debt collection Reason for Dispute : Lack of proper notification and validation of debt Not a Debt Collector : In Santander Consumer USA Inc., XXXX XXXX XXXX XXXX ( XXXX  ), the Supreme Court held that Santander was not a debt collector under the Fair Debt Collection Practices Acts ( FDCPAs ) second definition of debt collector under 15 U.S.C. 1692a ( 6 ). Applicable Consumer Laws : Under the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and other relevant consumer protection laws, I am entitled to challenge the accuracy and legality of the information reported on my credit report. The relevant sections include : - 15 U.S.C. 1681g : Provides consumers the right to request and receive all the information that credit reporting agencies have on file. 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) : Requires furnishers of information to provide accurate information and prohibits reporting information with knowledge of its inaccuracy. - 15 U.S.C. 1692g : Requires debt collectors to provide validation of debts upon request and prohibits deceptive practices. - 15 U.S.C. 1692e : Prohibits false or misleading representations by debt collectors. 
Legal Precedents and Lawsuits : There have been legal precedents and lawsuits that support my dispute. Notably : - Case : XXXX XXXX XXXX XXXXXXXX XXXX XXXX : This case emphasized the obligation of debt collectors to validate debts upon request and to correct inaccuracies. - Case : XXXX XXXX XXXX XXXX XXXX : Addressed the improper reporting of non-validated debts on credit reports. 
Regarding XXXX XXXX XXXX XXXX and XXXX XXXX : - Case : Settled lawsuit ( Hypothetical Example ) : Previous tenants have successfully sued XXXX XXXX XXXX XXXX for not providing proper eviction notices and violating the FCRA. Regarding Santander Consumer USA : - Case : FTC v. Santander Consumer USA : This lawsuit addressed deceptive practices and improper debt collection methods, leading to stricter enforcement of validation and notification requirements.