davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

I am writing to file a formal complaint regarding case of identity theft that has severely impacted my financial stability and personal well-being. Despite repeated attempts to rectify this matter, I have yet to receive appropriate resolution from your bureau. This situation demands immediate attention and action from your end. On XX/XX/year>, I became aware of unauthorized transactions and accounts appearing on my credit report. After thorough investigation, it became apparent that my identity had been maliciously compromised, resulting in fraudulent activities under my name. These unauthorized accounts : XXXX XXXX, XXXX XXXX. 
These fraudulent activities have not only tarnished my credit history but also subjected me to financial liabilities that I am not responsible for. Despite promptly reporting these discrepancies to your bureau and providing all necessary documentation to prove my innocence, I have encountered significant delays and bureaucratic hurdles in resolving this matter. The lack of urgency and accountability demonstrated by your bureau in addressing this aggressive identity theft is unacceptable. It is imperative that immediate action is taken to : -Remove all fraudulent accounts and transactions from my credit report. -Initiate a thorough investigation into the origins of this identity theft and hold the perpetrators accountable. -Provide me with regular updates and transparency regarding the progress of resolving this issue. Furthermore, I demand that your bureau take proactive measures to enhance security protocols and prevent similar incidents of identity theft from occurring in the future. Identity theft is a serious crime that can have devastating consequences for its victims, and it is your responsibility as a credit bureau to safeguard the interests of consumers.
Consumer complaint received 2024-01-20
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. (NC)

I asked for a reinvestigation of accuracy of accounts but I recieved no information as to who verified the reports as directed. What proof other than the credit bureaus saying they contacted the data furnishers? No records, no consent on my behalf but yet they reported to cfpb that the accounts were accurate and verified. Wheres the records saying there mine? What court official looked into this matter? If I have a identity theft report and ftc report how are they still saying there mine? Should I just keep letting them act like Im not a victim of identity theft? I need to be compensated for my credit being hurt and as a consumer it having an affect on my livelihood.
Consumer complaint received 2023-10-26
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. (NY)

I mailed a dispute and have received the results of your investigation. Regarding XXXX XXXX XXXX, account number XXXX - your results indicate the item was repaired. Upon reviewing my report the item is still listed. Please update the item as per your investigation results indicated. I am the person making this complaint & I give CFPB authority to investigate this claim.
Consumer complaint received 2023-07-29
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.
Consumer complaint received 2024-05-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

ATTENTION EQUIFAX! 
My name is XXXX XXXX and I currently reside at XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX CA, XXXX. My date of birth is XX/XX/XXXX and my Social Security Number is XXXX. I am writing to you regarding a few discrepancies I have encountered in my credit report. I am a victim of identity theft and I need your help to remove these fraudulent accounts from my credit file. While checking my credit report, I noticed an account I did not authorize made by the following that I will be listed below. I did not authorize any of these employers/employees at these companies to approve or view my credit report. This is a serious breach of my privacy rights and violates the Fair Credit Reporting Act 605B. I would like to request that these accounts be immediately removed from my credit file that Equifax has under my Social Security Number. I am requesting that you place an immediate block on the following fraudulent information in my credit file within 4 days of receipt of this correspondence. Also, I found a fraudulent address. Please block this fraudulent information per section 605B, 615 ( f ), and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act.

FRAUDULENT ACCOUNTS! 
XXXX XXXX XXXX : {$30000.00} Balance updated : XXXX XXXX, XXXX Credit limit : {$30000.00} XXXX # : XXXX Open/closed : Open Date Opened : XX/XX/XXXX Account type : Revolving XXXX  XXXX Balance : {$0.00} Balance updated : XXXX, XXXX Credit limit : {$3000.00} Account number : XXXX Open/closed : Open Date Opened : XX/XX/XXXX Account type : Revolving XXXX Balance : {$4300.00} Balance updated : XXXX XXXX, XXXX Credit limit {$4000.00} XXXX # : XXXX Open/closed : Open Date Opened : XX/XX/XXXX Account type : Revolving FRAUDULENT ADDRESS! 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
Consumer complaint received 2024-01-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I have two collection accounts that popped up on my credit report. I notified the bureaus with a letter and included a fraud report. They removed one of the collections, but they left the other collection account on. They did not provide me any response and I do not understand why they would remove one account, but not the other. Neither of the accounts belong to me.
Consumer complaint received 2024-05-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-01-19
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. (AZ)

I sent in certified letters on XXXX XXXX, XXXX XXXX XXXX XXXX. I called in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Transunion, XXXX. They refused to call back or give me any information after submitting all provided documentation as a consumer to have inaccurate information removed from my credit report. They cant validate my signature on any form nor prove supporting documentation on why they refused to remove inaccurate information for over a year with me filling several disputes, calls uploading documents through their portal on multiple occasions.
Consumer complaint received 2024-01-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have been keeping a close eye on my credit and am incredibly disappointed at the inaccuracies I have been seeing. This is now my second time reaching out to get the errors and inaccuracies removed from my credit report. This is causing me tremendous stress and anxiety especially since my concerns are continuously being ignored. I need these errors, at the fault of the bureau, corrected at once, since they were the ones who failed to ensure that the information being reported is in fact accurate
Consumer complaint received 2023-05-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Solar Mosaic LLC (FL)

I reached out to the creditor in writing to request a debt validation. However, it has been over 60 days and I have not received any response. I would like to clarify that this account does not belong to me, and neither is the associated address mine. I have never owned or lived at that address.
Consumer complaint received 2024-05-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (VA)

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 2024-05-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

I recently looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my complete understanding that Equifax will investigate this account for me to ensure accuracy, Here 's the account I am asking you to FULLY verify as accurate : XXXX XXXX Account Number XXXX
Consumer complaint received 2024-01-19
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. (AZ)

i recently reviewed my credit report and noticed some accounts that is fraudulent. i was shock to know that i am a victim of identity theft. I'm currently in the process of purchasing a family home but i am having a hard time due to the negative accounts on my credit report. Please remove negative accounts at your earliest convenience thanks in advance. 

inquiries XXXX XXXX XXXX
Consumer complaint received 2024-05-03
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)

This is my first 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 or extortion. 
XXXXXXXX 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
Consumer complaint received 2024-05-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NY)

This was my follow up regarding the items flagged with an FTC report that have not been removed from my credit file. Again, should there be a continued failure to remove the inaccurately reported items listed below, due to the erroneous reporting of personal information, I am prepared to transfer my documents to legal counsel to initiate legal proceedings. My preference is to avoid legal action ; hence, I urge compliance with applicable laws. I request the removal of the following inaccuracies, reported without my consent or knowledge, from my credit file XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX XX/XX/XXXX -- -- -- -- -- XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX XXXX -- -- -- -- XXXX : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX, FL XXXX. Should you maintain that this information is accurate and verifiable, I request documentation that includes my signature for each disputed entry, as I believe no such documentation exists. In the absence of such evidence, I formally demand the immediate deletion of this information from my credit file maintained under my Social Security number. You are allocated four business days to remove any information resulting from erroneous reporting. I explicitly object to the use of E-OSCAR or any automated verification process in reviewing my dispute. Enclosed with this communication is my FTC report, reference number : XXXX.
Consumer complaint received 2024-01-20
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)

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 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. 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 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 2023-05-16
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: EQUIFAX, INC. (MS)

In accordance with the fair credit reporting act XXXX has violated my rights 15 U.S.C 1681 section 602 A States I have a right 's to privacy 15 U.S.C 1681 section 604 A section 2 also states a credit consumer reporting agency can not furnish a account without my written instructions. 

Account name : XXXX XXXXXXXX XXXX XXXXXXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXXXXXX Account number : XXXX Account name : XXXX XXXX XXXX Account XXXX : XXXX Account name : U.S. DEPARTMENT OF EDUCATION Account number : XXXX Account name : XXXXXXXX XXXX XXXXXXXX Account XXXX XXXX XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX, XXXX Account number : XXXX Account name : XXXX XXXXXXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX  Account number : XXXX
Consumer complaint received 2024-05-03
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. (SC)

I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than XX/XX/XXXX days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.
Consumer complaint received 2024-01-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I was a victim of the XXXX data breach. And I would like to have the negative information deleted. I'm reaching out to you to help me get this information deleted because XXXX is doing nothing.
Consumer complaint received 2022-11-23
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. (PA)

I am writing the delete the following information in my file. The items I need deleted are listed in my report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal trade commission and I also have enclosed copies of the Federal trade commission 's identity theft affidavit. Please delete the items as soon as possible this is really affecting my credit report which is stopping me from many opportunities. Also this will be my third time submitting these documents.
Consumer complaint received 2024-05-04
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)

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 accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts 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 accounts/items which do not belong to me or were opened without my permission. 
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 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 2023-04-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: BARCLAYS BANK DELAWARE (CA)

i have requested a balance transfer from my XXXX XXXX to Barclays for {$3000.00} on XXXX and the amount of {$3000.00} was posted to my account on XX/XX/XXXX, Barclays did not process and sent the check to XXXX until XX/XX/XXXX that almost resulted for non-payment as the due date of my credit card with XXXX is XX/XX/XXXX. Balance transfer normally takes 7 to 10 days but for some reason this account has been targeted.by Barclays. 

This is unacceptable and i would like your agency to open an inquiry.
Consumer complaint received 2024-01-20
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)

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 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. 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 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 2023-09-26
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: EQUIFAX, INC. (FL)

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 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 2023-10-30
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Fees charged for closing account
Company: JPMORGAN CHASE & CO. (CA)

Chase froze my credit card and all accounts without any notice. They also liquidated my retirement accounts and cost me early termination fines and fees without any notification that this action would be taken. Also, a safe deposit box account was terminated with only less than 30 day notice to evacuate the contents or they stated " the contents would be turned over to the state ''.