davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-25
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. (VA)

Yes I am a victim of identity theft and I have inquiries on my credit report from someone trying to apply for credit in my name I would like these deleted from my profile and I will upload supporting documents and inquiries that need to be removed please
Consumer complaint received 2024-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MI)

I have not supplied proof under the doctrine of estoppel by the silence of XXXX. XXXX XXXX ( mo ) XXXX XXXX presume that no proof of the alleged debt. nor therefore any such debt in fact therefore exists, ( please remove this account before I seek litigation for defamation of character. ) XXXX XXXX XXXX {$720.00}.
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX debt bondage, which falls under trafficking according to XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXX XXXXXXXX and would like for all listed account to be blocked and deleted company information from TransUnion. 

Please delete the following account : XXXX XXXX XXXX XXXX : {$7100.00}
Consumer complaint received 2024-09-27
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)

Please remove the following Fraudulent hard inquiries from my credit report : The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

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 Here I attach, along with the dispute, my fraud report that I just sent to TransUnion for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved.
Consumer complaint received 2024-09-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (NV)

Here is a sample dispute letter you can send to all three credit bureaus regarding the removal of a collections account due to insufficient information and the absence of a contract. This letter leverages the Fair Credit Reporting Act ( FCRA ) and Truth in Lending Act ( TILA ) guidelines : XXXX XXXX XXXX XXXX XXXX XXXX, Apt XXXX XXXX, NV XXXX Email : XXXX Phone : XXXX Date : XX/XX/XXXX To : XXXX XXXX XXXX XXXX XXXX, TX XXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Subject : Formal Dispute of Inaccurate Collections Account Reporting Account Name : XXXX Collections Account Number : XXXX Original Balance : {$3500.00} Current Balance : {$3900.00} Date Assigned : XX/XX/XXXX Status : Unpaid Dear Sir/Madam, I am writing to formally dispute the accuracy of the collection account listed on my credit report from the agency XXXX. This account lacks sufficient information and is erroneously associated with my credit profile. I do not have any contract or agreement with this entity, and therefore, this account should not be listed on my credit report. 

Legal Basis for Dispute : XXXX. FCRA Violations - Inaccurate Reporting ( 15 U.S.C. 1681 ) : Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies must ensure that all information on a consumer 's credit report is accurate, complete, and verifiable. The collection account listed does not provide any verifiable information, including the original lenders details and appropriate documentation to substantiate the debt. The absence of this critical information renders this reporting as incomplete and a violation of my rights under the FCRA. 

XXXX. TILA Violations - Creditor Definition ( 15 U.S.C. 1602 ( i ) ) : According to the Truth in Lending Act ( TILA ), a creditor is defined as an entity that extends consumer credit and to whom a debt is owed. I have no contractual relationship with XXXX, and no debt has been extended to me by this agency. Therefore, this account does not meet the TILA definition of a " creditor '' and should not be reported under my credit profile.

Actions Requested : Immediate Removal of the Collection Account : I request that this account be promptly removed from my credit report as it is inaccurately and improperly reported. 

Written Confirmation : Once the account is removed, I kindly request written confirmation from your bureau that this action has been completed and that my credit report has been updated accordingly. 

In accordance with the FCRA, I expect this matter to be resolved within XXXX days. Failure to act within this timeframe may lead to further actions to enforce my rights under federal law.

Thank you for your prompt attention to this matter. I look forward to your confirmation of the removal of this inaccurate and unverifiable information. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-09-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (AZ)

XXXX Im disagreement with the account listed below which still appears to be on my credit report, even after investigation. I would like these items/accounts to be re-investigated. The inaccuracies are still being reported to my account and highly injurious to my credit score. 
XXXX XXXX Credit Card Account Number XXXX XXXX Balance is {$3700.00} Account Number XXXX XXXX {$4500.00} In accordance with the fair credit report act, public law XXXX, XXXX VI, Section XXXX, Subsection A-D, Please provide me the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send a copy of my updated credit report after your reinvestigation.
Consumer complaint received 2024-09-22
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. (SC)

These are inquiries which should not be on my credit report. 

XXXX XX/XX/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 XX/XX/XXXX
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

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 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MS)

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 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 2023-03-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit Reporting act. The account list below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or a 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 an 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 or 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 2024-09-27
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. (FL)

In accordance with the Fair Credit Reporting act 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 2024-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MO)

I found information on my credit report that is not accurate. According to 15 USC 168iEB. You are supposed to assure maximum possible accuracy. This amount should show accurate information according to the Fair Credit Reporting Act. Update ( XXXX XXXX XXXX ) promptly to accurate status as paid in full with no balance owed to XXXX XXXX XXXX per 15 USC 168iEB. Document showing No Bakance owed has been attached to this document.
Consumer complaint received 2024-09-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

.On XX/XX/2024 it's been XXXX  days and they haven't responded, this affects according to the law section 611 they must remove evrything that is not verified from my credit and i am a victim of equifax XXXX XXXX. on XXXX  XX/XX/2024 i sent a letter regarding inaccurate and unknown things on my report its been mor than XXXX  days they havent responded yet, i feel like they are taking their time and taken advantage of me by ignoring me. I want these accounts to be removed. from my report as per FCRA section 611A I surely was a victim of the Equifax XXXX XXXX
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Recently, I discovered that incorrect information remains on my credit report, even after multiple disputes. Despite providing the necessary documentation, TransUnion, XXXX, and XXXX continue to verify this inaccurate information. I have attached evidence that clearly demonstrates the errors. This ongoing failure to correct the discrepancies is a violation of the Fair Credit Reporting Act ( FCRA ), particularly section 609 and section 623, which mandate that only accurate and verified data should be reported.

I am requesting that this inaccurate information be removed from my credit report immediately. The failure to update or delete this false information is not only unfair but also a violation of my rights under federal law. Please ensure this matter is corrected without further delay.
Consumer complaint received 2024-09-25
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)

Please remove all the inaccurate fraudulent accounts as I have no know in any of these. For the company to do what fair and equitable to me as a consumer by removing inaccuracy records on my credit report.
Consumer complaint received 2024-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

Encountering an error suggesting a late payment on my account is unsettling, particularly because I have consistently adhered to payment deadlines. This inconsistency is generating unnecessary stress, and I implore you to swiftly rectify the situation by updating my records accordingly.
Consumer complaint received 2024-09-21
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: EQUIFAX, INC. (NC)

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 2024-07-28
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. (TX)

Re : Dispute of Inaccurate Information Account Number : XXXX Dear TransUnion, I am writing to dispute inaccurate information contained in my credit report regarding an account with XXXX XXXX. The account details are as follows : Account Name : XXXX XXXX Account Number : XXXX Account Type : Cell Phone Responsibility : Individual Date Opened : XX/XX/XXXX Status : Collection account. {$750.00} past due as of XX/XX/XXXX. 
Status Updated : XX/XX/XXXX Balance : {$750.00} Balance Updated : XX/XX/XXXX Recent Payment : - Monthly Payment : - Original Balance : - Highest Balance : {$750.00} Terms : 1 Month On Record Until : XX/XX/XXXX Payment History : Collection as of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX This account contains several inaccuracies that I believe to be incorrect. Specifically : XXXX : The account is listed as a collection account with a past due amount of {$750.00}. However, this information is inconsistent with my records. 
Comments : The account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ), which implies that the previous dispute did not resolve the inaccuracies. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to know the specific methods and sources used in the verification process. Therefore, I am requesting : The name, address, and contact number of the party who provided the information. 
The specific methods used to verify the accuracy of the information. 
Any documentation or evidence used to support the verification. 
Additionally, I would like to point out that XXXX XXXX has not provided any documentation proving the validity of this debt. Without proper verification, this account should not be listed on my credit report. If the account can not be verified as accurate, I request that it be removed from my credit report immediately. 

Enclosed are copies of my credit report with the highlighted inaccuracies, as well as proof of my identity. Please complete the investigation within the time frame required by the FCRA and provide me with the results. If this account is not verified as accurate, please remove it from my credit report. 

Thank you for your prompt attention to this matter. 



[ Enclosures : Copy of Credit Report with highlighted inaccuracies, Proof of Identity ]
Consumer complaint received 2024-09-24
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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX 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 2024-09-25
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. (OH)

Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX DOB : XX/XX/XXXX Last 4 of SSN : XXXX Date : XX/XX/XXXX Bureau Name : Transunion Bureau Address : Transunion Consumer Solutions XXXX XXXX XXXX, XXXX, PA XXXX Subject : Request for Reinvestigation and Correction of Credit Report Information Dear Sir/Madam , I am writing to request a reinvestigation of the information contained in my credit report in accordance with 15 U.S. Code 1681i - Procedure in case of disputed accuracy, and 15 U.S. Code 1681e ( b ) - Compliance procedures to assure maximum possible accuracy of the information. I recently reviewed my credit report and wish to ensure that all the information is 100 % correct and accurate. 
Below are the accounts I am requesting to be reinvestigated : XXXX XXXX XXXXXXXX XXXX  I request that you reinvestigate the completeness of every piece of information related to these accounts. If any information is found to be inaccurate, I ask that it be removed from my credit report. According to 15 U.S. Code 1681i, if you are unable to verify the accuracy of the information within 30 days, I request that the account be removed from my credit report. Furthermore, under 15 U.S. Code 1681e ( b ), I request that you ensure all procedures followed to include this information are reasonable and guarantee maximum accuracy. 
I appreciate your time and consideration in this matter and look forward to receiving a positive response. 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-09-21
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. (WA)

XX/XX/year> - I called in to get information on when I needed to pay off my account before interest accrued. I paid off the amount the XXXX XXXX employee gave me to avoid interest. However, this information was incorrect and the extra interest was added to my account which caused a delay in payment. 
XX/XX/year>- I called XXXX XXXX again informing them of the issue with the balance owed because of the interest that was added. I was told this would be resolved and my payment wasn't due for another 19 days. 
XX/XX/year> - I was connected with a Case Specialist via email and was given a resolution timeframe of on or before XX/XX/XXXX which was 3 days before my payment was due. 
They did not provide a proper resolution in the given timeframe which led to the late payment. 
XX/XX/year> - a 30 day late payment appears on my account XX/XX/year> - I reached out again and was assigned to a Case Specialist on XX/XX/XXXX and given a resolution timeframe of on or before XX/XX/XXXX. 
XX/XX/year> - They responded saying they need more time. 
XX/XX/year> - They provided a resolution and XXXX XXXX agreed to remove the extra interest charges and the associated late payment fee. However, despite these adjustments, the late payment still remains on my credit report. 

This lingering record of late payment continues to jeopardize my credit standing, despite the fact that the initial error was due to misinformation provided by XXXX XXXX staff.