davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-21
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've submitted proof of my time being incarcerated I've Dispute Unauthorized Accounts and Request for Investigation under 15 USC 1681 et seq. I am writing to dispute unauthorized accounts and inquiries on my credit report due to identity theft. I request an immediate investigation and correction of my credit file under the Fair Credit Reporting Act ( FCRA ) and relevant XXXX Code sections. I recently reviewed my credit report and discovered several inaccuracies that do not belong to me, indicating I am a victim of identity theft. The following accounts and inquiries are fraudulent : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reason : Not opened by me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Not opened by me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Not opened by me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Not opened by me. 

15 USC 1681b ( c ) : This section outlines permissible purposes for accessing consumer reports. The unauthorized inquiries on my report violate this statute as they were not made with my consent. 

15 USC 1681g ( a ) ( XXXX ) : This section requires that I am provided with all information in my file at the time of the request. The existence of these unauthorized accounts and inquiries indicates that my file contains inaccurate information. 

15 U.S.C. 1028A : This statute provides for penalties for aggravated identity theft. The presence of fraudulent accounts and inquiries on my report suggests a violation of this law.

15 USC 1681b : Access to my credit report must comply with permissible purposes. Unauthorized access constitutes a breach of this section.

15 USC 1681 : The general provisions of the FCRA ensure the accuracy and privacy of consumer information. The fraudulent activity on my report contravenes these principles.

15 U.S. Code 1681c2 : This section specifically addresses the blocking of information resulting from identity theft. I request that you block and delete all fraudulent information promptly.Requested Actions : Conduct a thorough investigation into the unauthorized accounts and inquiries listed above.

Remove all fraudulent accounts and inquiries from my credit report. 
Send me a copy of my updated credit report reflecting these changes. 
Provide written confirmation of the results of your investigation and the steps taken to correct my report.
Consumer complaint received 2023-09-18
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)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my 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 XXXX XXXX XXXX
Consumer complaint received 2024-07-22
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. (NC)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXXXXXX XXXX XXXX, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable itms which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Consumer complaint received 2024-05-21
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. (MA)

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against XXXX XXXX for multiple violations of the Fair Debt Collection Practices Act ( FDCPA ) and the Truth in Lending Act ( TILA ). The violations include : XXXX. FDCPA Violation XXXX : Failure to provide written notice of the debt within XXXX days of initial communication. 
XXXX. FDCPA Violation XXXX : Failure to provide verification of the debt upon request. 
XXXX. FDCPA Violation XXXX : Failure to provide validation of the debt, including copies of relevant documents. 
XXXX. FDCPA Violation XXXX : Unauthorized disclosure of private information to a third party. 
XXXX. TILA Violation : Failure to provide accurate and complete disclosure of loan terms and conditions. 

XXXXXXXX XXXX  has failed to adhere to the FDCPA and TILA guidelines by not providing me with the necessary information and documentation regarding a debt they claim I owe. Despite my requests for verification and validation of the debt, XXXXXXXX XXXX  has not provided me with copies of relevant documents or accurate disclosure of loan terms and conditions. 

These violations have caused me significant distress and harm, and I believe XXXX XXXX XXXX actions are in direct violation of consumer protection laws designed to safeguard consumers like myself. 

I am requesting that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action against XXXX XXXX for their violations of the FDCPA and TILA guidelines. I also request that XXXX XXXX be held accountable for their actions and that I receive compensation for the damages incurred as a result of their non-compliance. 

Thank you for your attention to this matter. I look forward to your prompt response and resolution.
Consumer complaint received 2024-05-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AZ)

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-05-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (GA)

NOTICE TO PRINCIPAL IS NOTICE TO AGENT NOTICE TO AGENT IS NOTICE TO PRINCIPAL To Whom It May Concern : I recently received a copy of my ( XXXX, Equifax or XXXX ) consumer report, and I noticed that it is reporting my experience with your company. The line of credit I have with your company, which is characterized as utilization on my consumer reports. YOUR COMPANY IS ILLEGALLY REPORTING THIS EXPERIENCE ( utilization ) on my consumer reports! XXXX XXXX XXXX Your company is in clear violation of the law. Pursuant 15 USC 1681a 2 ( A ) ( i ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; THE LAW CLEARLY STATES : Transactions or Experiences between the consumer ( ME ) and the person ( YOU ) ( XXXX XXXX ) Making the report is NOT INCLUDED on my Consumer report! Utilization is an experience with the line of credit that was extended between the consumer ( ME ) and the person ( YOU ) [ XXXX XXXX ] that is making the report. CONGRESS clearly states that the reporting of Transactions or experiences between the CONSUMER and the PERSON making the report is not included on the consumer reports! YOU HAVE VIOLATED THE FCRA 15USC 1681a 2Ai by reporting this transaction or experience ( Utilization ) on my consumer reports which CONGRESS clearly states IS NOT included on my CONSUMER REPORTS. You have 10 calendar days to update my utilization to 5 % or below and or delete all Utilization from the below account/s XXXX XXXX XXXXXXXX Failure to respond satisfactorily with deletion of the above Utilization, will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character 2. Negligent Non-Compliance 3. Civil Liability 4. Mental Anguish 5. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Best regards, XXXX XXXX
Consumer complaint received 2024-06-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (TX)

This is my several endeavors 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 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
Consumer complaint received 2024-05-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (GA)

NOTICE TO PRINCIPAL IS NOTICE TO AGENT NOTICE TO AGENT IS NOTICE TO PRINCIPAL To Whom It May Concern : I recently received a copy of my ( XXXX, Equifax or XXXX ) consumer report, and I noticed that it is reporting my experience with your company. The line of credit I have with your company, which is characterized as utilization on my consumer reports. YOUR COMPANY IS ILLEGALLY REPORTING THIS EXPERIENCE ( utilization ) on my consumer reports! XXXX XXXX XXXX Your company is in clear violation of the law. Pursuant 15 USC 1681a 2 ( A ) ( i ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; THE LAW CLEARLY STATES : Transactions or Experiences between the consumer ( ME ) and the person ( YOU ) ( XXXX XXXX ) Making the report is NOT INCLUDED on my Consumer report! Utilization is an experience with the line of credit that was extended between the consumer ( ME ) and the person ( YOU ) [ XXXX XXXX ] that is making the report. CONGRESS clearly states that the reporting of Transactions or experiences between the CONSUMER and the PERSON making the report is not included on the consumer reports! YOU HAVE VIOLATED THE FCRA 15USC 1681a 2Ai by reporting this transaction or experience ( Utilization ) on my consumer reports which CONGRESS clearly states IS NOT included on my CONSUMER REPORTS. You have 10 calendar days to update my utilization to 5 % or below and or delete all Utilization from the below account/s XXXX XXXX XXXX Failure to respond satisfactorily with deletion of the above Utilization, will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character 2. Negligent Non-Compliance 3. Civil Liability 4. Mental Anguish 5. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Best regards, XXXX XXXX
Consumer complaint received 2024-06-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX XXXX filing this complaint. 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 2024-06-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MA)

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX XXXX XXXX filing this complaint. 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 2023-11-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (PR)

On XX/XX/XXXX, I sent a notification to the credit bureaus to review my report and found erroneous information even in my personal information. According to my knowledge, this can not be the case, since the bureaus must be accurate. On their website they indicate that to resolve any inconsistency you could send disputes to their offices, which I have been doing and have not received a single response.
Consumer complaint received 2023-04-13
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: OneMain Finance Corporation (SC)

A settlement agreement was reached with OneMain Financial on XX/XX/2021. The terms of the agreement advised that XXXX will report the settlement to the credit reporting agencies as " Settled in full for less than the full balance ''. As of XX/XX/XXXX, I have settled this balance via XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Case No. XXXX Acct. No. XXXX. XXXX XXXX XXXX. XXXX and received the Certificate of Service from XXXX XXXX XXXX XXXX. 

OneMain Financial agreed to release lien on the vehicle upon the receipt of final settlement payment. XXXX XXXX XXXX XXXX XXXX XXXX XXXX was my primary point of contact and can be reached at XXXX. 

As well, XXXXXXXX XXXX XXXX  can be reached at XXXX to verify that this account is now paid in full.
Consumer complaint received 2024-06-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. 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 2024-04-26
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. (CA)

I need to inform you I was the victim of identity theft. I'm disputing the following accounts as they were opened without my knowledge, consent or authority. I contacted the companies and they said to file the FTC affidavit. Please dispute the following accounts. They were opened without my knowledge, authority or consent. 



XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-17
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: PORTFOLIO RECOVERY ASSOCIATES INC (PR)

I SENT SEVERAL CERTIFIED LETTERS TO PORTFOLIO RECOVERY ASSOCIATES VIA U.S. MAIL AND BY EMAIL. THE LETTERS WERE RECEIVED BY PORTFOLIO RECOVERY ASSOCIATES DURING THE WEEK OF XX/XX/2023 AND THE FOLLOWING DATES OF XX/XX/XXXX AND XX/XX/2023. MY LETTERS ARE REGARDING THE VIOLATION OF MY NONPUBLIC PERSONAL INFORMATION BEING REPORTED BY PORTFOLIO RECOVERY ASSOCIATES ON MY CONSUMER REPORT WITHOUT MY CONSENT UNDER 15 US CODE 1681b PERMISSIBLE PURPOSE. I ALSO SPOKE WITH THE PORTFOLIO RECOVERY ASSOCIATES DIRECTOR OF DISPUTES ON XX/XX/2023 AND XX/XX/2023 REGARDING THE VIOLATION OF MY RIGHTS TO PRIVACY AS A CONSUMER. THE DIRECTOR OF DISPUTES FOR PORTFOLIO RECOVERY ASSOCIATES ARGUED WITH ME STATING PORTFOLIO RECOVERY ASSOCIATES HAD THE RIGHT TO REPORT ON MY CONSUMER REPORT BECAUSE THEY PURCHASED THE ACCOUNT FROM XXXX XXXX  ENDING WITH ACCOUNT NUMBER XXXX AND STARTING WITH ACCOUNT NUMBER XXXX.
Consumer complaint received 2023-11-16
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC. (PR)

I SENT THE COMPANY MIDLAND CREDIT MANAGEMENT A CERTIFIED LETTER ASKING FOR MAXIMUM ACCURACY IN ACCORDANCE WITH 15 US CODE 1681e. THE LETTER WAS RECEIVED BY MIDLAND CREDIT MANAGEMENT ON XX/XX/. IN RETURN I RECEIVED AN ORIGINAL COPY OF THE XXXX XXXX BILL AND A LETTER ON YELLOW PAPER STATING THAT MIDLAND CREDIT MANAGEMENT WOULD NOT SUE. I SENT TWO MORE LETTERS STATING AND QUOTING THE FCRA ASKING MIDLAND CREDIT MANAGEMENT TO STOP REPORTING ON MY CONSUMER REPORT. I CALLED SEVERAL TIMES. MY LATEST CALL WAS ON XX/XX/ AND I SPOKE WITH XXXX XXXX DIRECTOR OF DISPUTE SHE SUGGESTED SHE DISAGREED WITH THE FCRA. I SENT ANOTHER LETTER ON XXXX XXXX XXXX SITING 15 US CODE 6082 OBLIGATION WITH RESPECT TO DISCLOSURES OF PERSONAL INFORMATION, 15 US CODE 1681a RULES OF CONSTRUCTION and 15 US CODE 1681b PERMISSIBLE PURPOSE.
Consumer complaint received 2024-05-20
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. (AL)

I am filing a complaint against the credit reporting agencies for violating the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681s-2 ( a ) ( 1 ), which prohibits furnishing inaccurate information. Furthermore, these accounts were reported without my written consent. According to 15 U.S. Code 1681b ( a ) : Any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

I request the immediate removal of the following accounts from my credit report : XXXX. XXXX XXXX  - XXXX XXXX. XXXX - XXXX XXXX. XXXX - XXXX XXXX. XXXX - XXXX XXXX. XXXX XXXX - XXXX ( 2 Duplicate accounts reporting ) XXXX. XXXX - XXXX XXXX. XXXX - XXXX XXXX. XXXX XXXX  - XXXX XXXX. XXXX XXXX - XXXX XXXX. XXXX XXXX - XXXX XXXX. XXXX XXXX - XXXX XXXX. XXXX XXXX - XXXX XXXX. XXXX XXXX - XXXX XXXX. XXXX - XXXX These reporting of these accounts breach the following sections of the FCRA : 15 U.S. Code 1681, Section 602 ( a ) : This section emphasizes the need for accurate credit reporting to ensure fairness and privacy. The false information on my report violates this principle, compromising my creditworthiness and privacy.

15 U.S. Code 1681, Section 604 ( a ) : This section limits the purposes for which consumer reports can be furnished. Inaccurate reporting exceeds these permissible purposes, unfairly damaging my ability to obtain credit and other benefits.

15 U.S. Code 1681c ( a ) ( s ) : This section outlines the time limits for reporting negative information. The accounts in question either exceed these limits or are incorrectly reported, violating the statute.

15 U.S. Code 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.

It is also pertinent to note the requirement of written consent involving multiple signatures for reporting data. Under 15 U.S. Code 1681b ( b ) ( 2 ) ( A ) : A consumer reporting agency may furnish a consumer report for credit purposes only if ( i ) a clear and conspicuous disclosure has been made in writing to the consumer at any time before the report is procured or caused to be procured, in a document that consists solely of the disclosure, that a consumer report may be obtained for credit purposes ; and ( ii ) the consumer has authorized in writing ( which authorization may be made on the document referred to in clause ( i ) ) the procurement of the report by that person.

The companies involved must provide proof within five days that they obtained the required three signatures or they must delete all listed items.

Thank you for your prompt attention to this urgent issue.
Consumer complaint received 2024-07-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (NJ)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.