davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-01
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. (OH)

Transunion refuses to respond to the statement in my letter that includes consumer law! They have ignored the laws that govern them and have not given any explanation or rebuttal against my findings. 

I need the CFPB to hold Transunion accountable for their negligence! I have accounts and inquiries that are not supposed to be on my credit report and they need to comply with the laws that govern them as stipulated in MY LETTER! 

Otherwise I will have no choice but to involve court!
Consumer complaint received 2023-10-30
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. (MD)

In accordance with the Fair Credit Reporting act XXXX XXXX Acct # 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 15 U.S.C 6802 ( a ) financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information,
Consumer complaint received 2024-04-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (MI)

XXXX XXXX Account has been charged off and written off. There is no contractual agreement with the creditor and I the consumer as the debt does not exist in accordance of the write off. I request proof that debt is owed and that all documentation has been provided to the XXXX in accordance of the charge off- written off account that XXXX XXXX has reported consistently to my consumer report. I request proof that the account is charged off, proof that it is written off as all parties will be held responsible for falsifying and furnishing my consumer report inaccurately. An XXXX XXXX can not be reported to a consumer report as indicated pursuant to FCRA on what can and can not be reported. If a debt is cancelled/ charged off there shall be proof of the information provided to the consumer for the purposes of the consumer accessing and filing that information on a federal income tax. I demand Experian complete a thorough investigation of this matter and request information from Experian to whom they have corresponded with within this investigation the parties name and address, time and date and proof of the documentation from the XXXX  ( cancellation of debt ) that proves the account is in fact charged off. I am attaching to my consumer report for the purposes of capital XXXX practices in falsifying information.
Consumer complaint received 2024-04-20
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. (WI)

Exsperian  credit reporting has inaccurate reporting finger hit XXXX. Which was paid in full. Showing oncredit report history twice.. Which same company XXXX sold my name information to XXXXXXXX XXXX XXXX  requesting same amount money XXXX XXXX XXXX. Is requesting, same Exact money. Which has affected my credit scores for months. Which I'm Unable to contact Exsperian whom Has my Account XXXX. So I'm Unable to Dispute this to Exsperian
Consumer complaint received 2024-04-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

I respectfully request the Consumer Financial Protection Bureau ( CFPB ) to take prompt action to enforce the relevant legal provisions and rectify the injustices I have endured. The violations I am reporting involve inaccurate personal information, and questionable account details on my credit report. I believe these actions are in violation of the Fair Credit Reporting Act ( FCRA ) and related regulations. The following are the specific violations I have identified : Inaccurate Personal Information : Violation : Under Section 611 ( a ) ( 1 ) ( A ) of the FCRA, creditors are required to report accurate and up-to-date information. The incorrect addresses listed on my credit report violate this provision. I provided the correct address and my social security number to this reporting agency and they continue to knowingly put inaccurate addresses that I have never resided at. I sent a photo copy of my Drivers license that has my only residence. I do not get any legal mail or correspondence from any address other than my home : XXXX XXXX XXXX XXXX XXXX Texas XXXX. I also sent a photo copy of my social security card. I have ask them numerous times to remove the inaccurate addresses. I provided my drivers license and social security card as they requested with my address and only address that I want on my report. I also contacted creditors who provided inaccurate information to the reporting agencies and received deletion and removal of account assurance. I was told that they would request to remove and delete accounts to the all reporting agencies. This reporting agency is still reporting inaccurate information on my credit report. I have requested as well as some of the creditors to have accounts removed. Apparently they have not been remove as requested. My rights are being violated and by consumer laws Im requesting relief immediately.
Consumer complaint received 2024-04-20
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. (CA)

On XX/XX/2024, the company XXXX XXXX XXXX XXXX charged off my account in the amount of $ {$6200.00} and did not send me a 1099-C form for a Cancellation of Debt which I am entitled to. I have contacted them and they have not responded back as of yet. This item is reported on my credit report and has put a negative ding on my credit report.
Consumer complaint received 2023-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

My student loan balance is current XXXX and paid in full. My rental company also reports my payments as timely every month yet the companies have the balance as incorrect for the student loans that went from {$100000.00} owed to {$0.00} ( zero ) dollars owed. There was no score increase for such a large debt to removed. The monthly rental payment of {$1300.00} is also not showing as reported either
Consumer complaint received 2024-04-20
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)

I looked at my report on XX/XX/2024 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 these accounts. 

TXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN are NOT complete and accurate. 

The original balance is inaccurate and conflicting The last payments are inaccurate and conflicting The date closed is inaccurate and wrong. 
The dates of the monthly payments reported are inaccurate and conflicting.
Consumer complaint received 2024-04-21
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 violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 
Reporting account numbers : XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX, has violated my rights. 15 U.S.C 1681 Section 602 A. States that I have the right to privacy. 15 U.S.C 1682 Section 604 A. Section 2 : Also, states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c. A. Section ( 5 ) states : no consumer reporting agency may make any consumer report containing any of the following items of information, and any adverse items 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 the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-11-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XX/XX/2023 Today I saw that old account information was posted to my credit file with TransUnion today which was all incorrect which dropped my credit score by XXXX points. I have already discussed this with TransUnion before and will not do this again. They need to immediately fix this error of recurring inaccurate information. 

My next step to fix this recurring problem of reporting inaccurate information by TransUnion is to obtain legal counsel by hiring a Consumer Attorney. Thank you.
Consumer complaint received 2024-04-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (WA)

THIS IS NOT MINE. XXXX NEEDS TO DELETE THIS NOW ITS BEEN ON MY CREDIT PORTFOLIO FOR YEARS. XXXX REFUSES TO VERIFY THIS IS MINE. THERE IS NO SOLID EVIDENCE THAT I OWE THEM ANYTHING. I NEVER USED THEM IN MY LIFE. PLEASE REMOVE THIS FROM MY CREDIT REPORT.
Consumer complaint received 2024-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

My account with this company is being reported late and i was never late! I have had exceptional payment history with this company 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 MONTHS REPORTING LATE 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.

This company 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 2024-09-07
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. (LA)

Per 15 USC 1681 B I am requesting XXXX, XXXX, and TransUnion to show proof of transactions on my XXXX  and XXXX accounts that I was ever late. I previously disputed and requested them to validate the inaccuracy of information reporting on my account and they have failed to do so.
Consumer complaint received 2024-04-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (OH)

XXXX. Congressional findings and declaration of purpose ( a ) Informed use of credit The XXXX finds that economic stabilization would be enhanced and the competition among the various financial institutions and other firms engaged in the extension of consumer credit would be strengthened by the informed use of credit. The informed use of credit results from an awareness of the cost thereof by consumers. It is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit, and to protect the consumer against inaccurate and unfair credit billing and credit card practices.
Consumer complaint received 2024-01-18
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

The situation at hand is causing me considerable distress and affecting my sleep quality. I find it hard to come to terms with the issue. I urge you to rectify my account without delay. Historically, I've always been punctual with my payments, and it feels unjust to face repercussions for an error not of my doing.
Consumer complaint received 2023-10-31
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. (CA)

In accordance with the Fair Credit Reporting Act XXXX XXXX Account XXXX 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 an account without my written instructions.
Consumer complaint received 2024-04-20
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. (TX)

XXXX, XXXX XXXX. XXXX has run my credit on XXXX without my authorization. I did not authorized XXXX, XXXX XXXX. XXXX to run my credit.
Consumer complaint received 2024-04-20
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: Experian Information Solutions Inc. (CA)

on XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person
Consumer complaint received 2024-04-20
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. (IL)

In accordance with the Fair Reporting act XXXX Account XXXX. XXXX XXXX. # XXXX XXXX. XXXX XXXX # XXXX XXXX. XXXX XXXX. # XXXX XXXX. The XXXX XXXX. # XXXX XXXX. XXXX  XXXX XXXX # XXXX Have 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 an account without my instructions
Consumer complaint received 2024-04-20
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. (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 XXXX XXXX XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. 

XXXX XXXX XXXX Section XXXX A States I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) XXXX States : no consumer reporting agency XXXX make any consumer report containing any of the following items of information.Any adverse item of information, other than records of convictions of crimes which antedated the report by more than XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) 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 2024-04-20
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. (PA)

I am reaching out pertaining to the following information provided below. The items listed on this document need to be removed due to inaccuracy. I am a victim of Identity theft and the accounts listed below are unrecognizable charges. I reported the theft of my identity to The Federal Trade Commission, and Ive obtained enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. I am urgently requesting the removal of the items listed on my credit report. Please advise.
Consumer complaint received 2024-04-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (WA)

XXXX/XXXX/1014 time : XXXX XXXX to XXXX XXXX PST. I am trying to get a temporary credit freeze lift from Experian. I have done this before ( although it was difficult and took hours because I am not able to log in using the information Experian and I have both agreed are my log in credentials ) by telephone. Now they never refer me to an agent, and only give me the option of mailing in a letter with documentation for a temporary credit freeze. I understand this process for a permanent lift, but according to your website, they must give a temporary lift of credit freeze when they are asked via telephone. This is an official complaint. Now I will be homeless until they receive and respond to my letter, as I have to wait until my credit is approved for a new home.
Consumer complaint received 2024-04-20
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. (MS)

On XX/XX/year>, I noticed many inaccurate items on my credit. Please remove these from my credit report. It hurting my ability to obtain credit. Thank you in advance. 

XXXX XXXX XXXX Acc : XXXX The card was reported stolen yet It still reflects It was active after XXXX. There's not payment history reflecting, no information about this account on my credit report and shows showing XXXX accounts with different credit histories with the same balance.. PLEASE REMOVE. 

XXXX ( Original Creditor : XXXX XXXX ) - Acc : XXXX I have no knowledge of this account. I have reported this as identity theft. PLEASE REMOVE. 

XXXX XXXX XXXX : XXXX I have no knowledge of this account. I have reported this as identity theft. PLEASE REMOVE. 

INQUIRES : XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXXXXXX, XXXX,
Consumer complaint received 2024-04-20
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. (PA)

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec.

1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 
Thank you for your time and help in this matter. 
Sincerely,
Consumer complaint received 2024-09-02
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. (OH)

I'm a victim of identity theft, pursuant to section 605, the fraudulent information must be removed. Fraudulent addresses, names, and inquiries are listed in the attached FTC. 

FARUDULENT ADDRESS : XXXX XXXX XXXX XXXX, OH XXXX FRAUDULENT NAMES : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FRAUDULENT INQUIRIES : XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXXXXXX XXXX
Consumer complaint received 2024-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MD)

I am requesting your assistance in addressing a wrong account on my credit report. This has harmed my reputation, and I require your help. The poor handling of my credit information has led to serious consequences, and I ask that these mistakes be removed so I can move forward with my family.