davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-20
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. (FL)

The accounts are note mine I ask the credit bureau to validate the accounts The credit bureau could not validate the charge off I asked the credit bureau to send me a copy of the original contract with my name and signature on contract and they were unsuccessful doing so. Please delete accounts off credit report thanks Accounts : XXXX XXXX XXXX  XXXX Account number : XXXX 2.Acount XXXX XXXX XXXX Account number : XXXX 15 us code 1681 15 us code 1692 Unfair practices
Consumer complaint received 2024-01-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-02-15
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. (SC)

I PULLED MY TRANSUNION CREDIT REPORT AND SAW MULTIPLE FRAUDULENT ACCOUNTS REPORTING. I GOTTEN A POLICE/FTC REPORT MADE AND ITS IN THE ATTACHMENTS BELOW. PLEASE REMOVE ACCOUNTS THEY DO NOT BELONG TO ME.
Consumer complaint received 2024-04-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MO)

While reviewing my consumer report, I have discovered that there are inaccurate information and discrepancies. These are the following incorrect information reporting : Reporting in XXXX : 1. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX MO XXXX Reporting in Experian : 1. The following personal information is incorrect Previous Address ( es ) : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX 2. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XX/XX/XXXX 3. The following personal information is incorrect Employers : XXXX  XXXX XXXX 4. The following personal information is incorrect Employers : XXXX XXXXXXXX XXXX Reporting in XXXX : 1. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, MO XXXX 2. The following personal information is incorrect Employers : XXXX XXXX XXXX
Consumer complaint received 2024-01-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

This information is under my name and is causing me harm. I need it removed from my history. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-01
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. (AR)

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud : XXXX  XXXX Balance : {$250.00} ; XXXX XXXX XXXX Balance : {$160.00} ; XXXX XXXX Opened XX/XX/XXXX Balance {$0.00} ; XXXX  XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX  XXXX Balance XXXX {$0.00} ; XXXX  XXXX Balance : {$250.00} ; XXXX XXXX XXXX Balance : {$160.00} ; XXXX XXXX XXXX  XXXX Balance : {$400.00} ; XXXX XXXX XXXX XX/XX/XXXX Balance {$250.00} ; XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2024-01-23
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)

I went through my Credit report and I noticed that on XX/XX/2023 I had XXXX hard inquiries which I dont recognize. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-05
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. (MD)

This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-01-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) # XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-04-15
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. (TX)

I checked my credit report and found that some of the data were incorrect. The XXXX credit bureaus are required by Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file.
Consumer complaint received 2024-04-15
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. (FL)

I'm sending this to let you know that the following companies have unapproved inquiries on my credit report. Below are the names of the companies and the dates on which I acquired the inquiries. 
XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023
Consumer complaint received 2019-09-16
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc. (TN)

{$2000.00} was stolen from my checking account through Cash App and they will not respond to my email regarding this. I tried fixing it through my bank but they will not refund my money as fraud because Cash App is not responding to me so that it can be proven that I did not authorize the transaction.
Consumer complaint received 2024-01-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

At this point I feel like Im not being acknowledged as a human being and Im truly disappointed in the company effort to help my needs. Im beginning to understand that XXXX XXXX XXXX is misrepresenting this debt and how its being presented to me because Im not getting what Im asking for which is a copy of the contract which I have yet to receive. Reason being Ive been apart of multiple data breaches in the past and i understand that complies must follow the Fair credit act and FDCPA and XXXX XXXX XXXX is violating my rights under 15 USC 1681 ( 5 ) it states this ( 5 ) Treatment of inaccurate or unverifiable information 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 And plenty more can you please help to make sure they follow the rules.
Consumer complaint received 2024-04-15
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NJ)

I WOULD LIKE TO REMOVED THESE INCORRECT NAMES AND ADDRESS ON MY EXPERIAN REPORT. THESE NAMES DO NOT BELONG TO ME NOR DO I HAVE ANY RESIDE OR GET MAIL AT THESE ADDRESS. I WOULD LIKE FOR THEM TO BE DELETE OFF MY REPOST IMMEDIATELY THANK YOU XXXX XXXX XXXX Name ID # XXXX XXXX XXXX Name ID # XXXX XXXX XXXX Name ID # XXXX XXXX XXXXXXXX Name ID # XXXX XXXX XXXX Name ID # XXXXXXXX XXXX XXXX Name ID # XXXX XXXX XXXX Name ID # XXXX XXXX XXXX XXXX Name ID # XXXXXXXX XXXX XXXX XXXX Name ID # XXXX XXXX XXXX  Name ID # XXXX XXXX XXXXXXXX Name ID # XXXX XXXX XXXX Name ID # XXXX XXXX XXXX Name ID # XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Address ID # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Address ID # XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX ID # XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXXXXXX Address ID XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Address ID # XXXX XXXX XXXX XXXX XXXXXXXX XXXX # XXXX XXXXXXXX XXXX XXXXXXXX Address ID # XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX Address ID # XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Address ID # XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Address ID # XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX NJ, XXXX Address ID # XXXXXXXX XXXX XXXX  XXXX XXXX XXXX NJ XXXX XXXX Address ID # XXXX
Consumer complaint received 2024-04-15
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. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-23
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)

My information was sold and bought illegally because I was a victim of the XXXX data breach .I want these items Deleted from my credit reports effective Immediately.I am attaching proof that XXXX has admitted that I was in fact a victim of this data breach and XXXX has done nothing please help me delete these illegal accounts from my credit reports and remove all those negative accounts
Consumer complaint received 2023-11-10
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (CA)

Reached out to XXXX and XXXX  XXXX XXXX regarding the validity of the debt, but they did not provide any. As I am looking over my credit report, this account is incorrectly being reported as a charged off/collection account without a balance due. Please provide proof of the charge off/collection or delete the negative payment status on this account. I am the person making this complaint & I give CFPB authority to investigate this claim. And I do not consent to an electronic communications. I request all responses be in writing through the USPS.
Consumer complaint received 2024-01-05
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. (MI)

On XX/XX/2023 I submitted a complaint with the case law 15 USC 1681sub section 604 explaining that a consumer reporting company can not report anything negative on my report without my written consent!! And they did not remove the XXXX XXXX XXXX ( XXXX ) that's been closed on my accounts for more than 10 years they claim it's a verified acct when that's not what I asked
Consumer complaint received 2019-07-16
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (IN)

CashApp is the company that I am having a problem with I purchase a purchase using CashApp on XX/XX/2019. CashApp was refunded the money according to seller Sometimes the beginning of XX/XX/2019. I sent purse back to seller through mail on XX/XX/2019, seller confirmed receiving purse. I have text messages to prove that seller return the money and received purse. I have contacted CashApp via email many times on XX/XX/XXXX,XX/XX/XXXX,XX/XX/2019 and XX/XX/2019 and I have had no reply. I would like them to return my money of XXXX
Consumer complaint received 2024-04-15
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. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my 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
Consumer complaint received 2024-01-23
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. (KY)

15 U.S. Code 1681a - Definitions ; rules of construction The term consumer reporting agency means any person which, for monetary fees, dues, or on a cooperative nonprofit basis, regularly engages in whole or in part in the practice of assembling or evaluating consumer credit information or other information on consumers for the purpose of furnishing consumer reports to third parties, and which uses any means or facility of interstate commerce for the purpose of preparing or furnishing consumer reports. The term consumer means an individual. The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living ( 2 ) Exclusions ( A ) ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Reporting Transaction history, late payment are experiences. Those are inaccuracy, Delete all transaction and experience from my consumers report immediately Pursuant to 15 U.S.C 1681 Section 604 A Section 2 : as stated a consumer reporting agency can not furnish an account without my written instructions. I DEMAND THAT YOU PROOVE THAT I GAVE YOU MY WRITTERN INSTRUCTIONS TO REPORT THE ATTACHED INACCURACIES ON MY CONSUMER REPORT. 


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. You have been made aware that this information on my consumer report is 100 % inaccurate. Accordingly with the law I'm sending an invoice for damages.

FAILURE TO PROVIDE THE REQUIRED DOCUMENTS AND/OR YOUR ACTIVE WILL TO CONTINUE TO INTENTIONALLY COMMIT FRAUD WILL RESULT IN LITIGATION TAKEN AGAINST YOU.

Sincerely, Thank you
Consumer complaint received 2024-01-23
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. (FL)

I am coming to you because I'm a victim of Identity theft. There are a lot of things on my credit report that are inaccurate due to fraudulent activity. Someone has stolen my identity and opened accounts using my personal information. I've been complaining with the credit bureaus to have these accounts removed but nothing has been done. I don't recognize the following accounts on my credit report : XXXX XXXX XXXX XXXX XXXX acct number XXXX for {$1200.00}, XXXX XXXX XXXXXXXX XXXX XXXX ) acct number XXXX for {$100.00}, XXXX XXXX acct number XXXX {$14000.00}. I'm seeking your help to have this fraudulent information removed from my report
Consumer complaint received 2022-11-24
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: EQUIFAX, INC. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent account in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any account listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of account/item which do not belong to me or were opened without my permission. 

XXXX XXXXXXXX XXXX XXXX XXXX  XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX CA XXXXXXXX XXXX XXXX XXXX XXXX Date opened XX/XX/ Balance : {$0.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2024-04-15
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. (TX)

Despite multiple written requests, the unverified account listed below continues to report on my credit report in violation of federal law. I sent a letter to the credit bureaus but I never received a response from them. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate this account, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX
Consumer complaint received 2024-01-23
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)

In accordance with the Fair Credit Act XXXX  Account XXXX  XXXX XXXX  Reference Number XXXX which was discharged XXXX days later therefore has violated my rights. 

15 U.S.C 1681 section 602 A. States I have a 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 2024-04-15
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. (TX)

I strongly urge you to promptly address this error, clearing me of any responsibility. It is vital that you conduct a thorough investigation into this matter and swiftly rectify the mistake. Your immediate attention to this matter is highly appreciated.
Consumer complaint received 2024-04-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

I'm reaching out to dispute the negative entries on my credit report. The accounts listed below are not associated with me and must be removed or blocked. 


Upon reviewing your requirements, I noticed you need documentation. I contacted my local law enforcement office, who advised me that they no longer handle such cases. Instead, they directed me to visit identitytheft.gov and file a report online. Additionally, I have informed my bank about this issue, and they are prepared to take action, but they require your assistance in the process. I am including these reports with my letter to support my claim. 
XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX