davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

I AM REOPEN A COMPLAINTS THAT I HAVE ALREADY FILED WITH YOU AND I WASN'T ABLE TO RESPOND TO YOUR REQUEST FOR MORE INFORMATION BECAUSE I WAS IN THE HOSPITAL BECAUSE I HAD A XXXX XXXX XXXX DUE TO THE IDENTITY THEFT THAT THE COMPANY 'S In questioning what's in my complaint that I submitted back in XX/XX/2022 my identity was sold in all my money was the one all the banks that I mentioned in my complaint has not resolved this issue and the company that I paid to protect my identity and my bank accounts liked to me and told me that my bank account apps in my phone apps and everything that has to do with my business was safe and which it want to be open this complaint and get Justice and get all the money that was stolen for me I ended up having a XXXX XXXX and been put in a XXXX I have to have 3 XXXX  and I still haven't received any help or anything about my identity information stolen and it is at the point of this SERIOUS situation I have to change my Social Security number and I have been homeless since this SERIOUS incident happened to me and I have found out that Capital One Credit Card Department let hackers submit over 28 to 30 credit card applications and Capital One gave theses hackers 2 credit cards in my name and Social Security number and they have USED them and maxed them out and this situation has messed up my credit score and my whole entire credit report and I have repeatedly reached out to everyone in questioning and let them know that my identity information was stolen and being sold on the dark web sites and they ignored it and all three credit bureaus didn't notify me of all the fraudulent activities that were posted on my credit report because they were asking me to pay them XXXX dollars per month and I did until they had DATA BREACHES them selves and they didn't notify me about all the fraudulent activities or the banking companies that I used for my banking accounts and for my BUSINESS THAT I was trying to START up by saving my money and saving money for my daughter TRUST FUND and grandchildren TRUST funds accounts and emergency IRA accounts for EMERGENCY situations were all stolen and I REALLY need YOUR help PLEASE THANK YOU
Consumer complaint received 2024-05-27
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)

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 Account Number:XXXX  has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-05-28
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)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please remove these files. 
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 2024-09-05
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: EQUIFAX, INC. (NY)

I would like to dispute the following inacurate items that are on my credit report. I have enclosed copies of relevant documentation, including proof of payment and correspondence with the creditors, showing that these accounts have been settled in full. As stipulated by the FCRA, which mandates. that credit reports must be accurate and up-to-date, these resolved accounts should no longer be reflected negatively on my credit report. I demandt hose I can't be deleted from my report Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-06-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MD)

Please take a look at the attached letters and ID docs for verification that it is I 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 2023-05-21
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. (MI)

Equifax and XXXX has continued to violated my FCRA rights they continue to be in violation of numerous complaints I have submitted and question there integrity on a throughly investigation of these fraudulent accounts which I have summit documentation including police report of fraudulent account, and FTC report as well to them. Im demanding for these account under 15 U.S.C 1681 b ( a ) 2 to be remove from my credit report immediately!!! 

Equifax and XXXX has violated Under 15 U.S.C. 1681 C-2 section c No later than 4 days of this notice request I demand Equifax to remove this fraudulent account XXXX XXXX  account XXXX XXXX Equifax has violated 15 U.S.C. 1681 b ( a ) 2 15 U.S.C. 1681 g section a ( 1 ) 15 U.S.C. 1681 c ( a ) section 5 states any other adverse items of information other than records of convictions of crimes which antedates the report by more than 7 years. 

XXXX XXXX  has falsified an agreement statement in my credit report I have not sign any written agreement with this company this fraudulent account by this collector is in violation of 15 U.S.C 1692 d 15 U.S.C. 1692 a section C 15 U.S.C. 1692 a 15 U.S.C. 1681 C-2 15 U.S.C. 1681 g section XXXX XXXX XXXX - most be removed from my report as well immediately due XXXX XXXX. XXXX XXXX XXXX XXXX  XXXX is in violation and has violated my rights 15 U.S.C. section 602 8 states I have the right to privacy 15 U.S.C. section 604 a section 2 also states as a consumer reporting agency cant furnish my account with my written instructions. This account is pay in full as agree and must be delete from credit report Immediately!!! And has been in violation of 15 U.S.C 1681b ( a ) 2 15 U.S.C. 1681 g section 1
Consumer complaint received 2024-05-27
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. (VA)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  XXXX Account XXXX Account Name : XXXX  Account Number : XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-06-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CO)

XXXX XXXX has an account open on my credit report on XX/XX/XXXX. The XXXX XXXX on me was filed in XXXX. They refused to send me the letter from the XXXX and keep saying it mine
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (CA)

Upon reviewing my credit report, I observed several unauthorized and fraudulent inquiries. These include : 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 card — General-purpose credit card or charge card
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. (IL)

I consistently meet payment deadlines. I'm confident in this. What puzzles me is the company 's occasional late reporting, which shouldn't happen. According to USC 1666b, any billing errors should be rectified promptly, reflecting the agreed-upon payment status.
Consumer complaint received 2024-06-03
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. (GA)

I want to be absolutely clear : I did not approve these transactions to be in my consumer report, neither in writing nor verbally. So, I formally ask to block and remove them from my record. This isn't a mistake, nor is it based on any misrepresentation. These transactions were included without my clear consent or instruction. I'm stressing this to show how serious my request is. It's based on accurate info, and I'm not trying to deceive or manipulate the situation.
Consumer complaint received 2024-05-27
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 have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2024-05-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Subject : Dispute of Unauthorized Account and Reporting Under 15 USC 1681 and 15 USC 1692D Dear Sir/Madam, I am writing to formally dispute the unauthorized account and any related reporting on my credit report. Upon reviewing my credit report, I noticed an account opened wit XXXX  XXXX XXXX  ] that I did not authorize. 

According to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b, a credit reporting agency may only furnish a consumer report under specific circumstances, one of which includes the consumers written consent. I have not provided any written consent to TRAMSUNION AND XXXX XXXX XXXX  to open or obtain information regarding any account. Thus, the account and any related reporting from this entity are unauthorized and in violation of the FCRA. 

Furthermore, under 15 U.S.C. 1692d of the Fair Debt Collection Practices Act ( FDCPA ), it is prohibited to engage in conduct that results in harassment, oppression, or abuse in connection with the collection of a debt. The unauthorized access, use of my credit information, and opening of an account without my consent fall under such prohibited conduct.
Consumer complaint received 2023-09-18
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (IN)

Today, XX/XX/2023, an old friend texted me a screen shot of a number that called him asking information about me and trying to imply what it was about. This is after they repeatedly call me about XXXX almost everyday. I am not working and I have started to pay things off little by little according to what I was advised to do. The number XXXX and the persons name was XXXX XXXX.
Consumer complaint received 2024-09-05
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: EQUIFAX, INC. (NJ)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the XXXX credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2024-05-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.
Consumer complaint received 2024-05-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting Act. 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 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. 

15 U.S.C 1681 section 602 A : States I have rights to privacy.

15 U.S.C 1681 section 604 A section 2 : It also states a Consumer Reporting Agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) section states : no Consumer Reporting Agency may make any consumer report containing any of the following items of information, any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer Reporting Agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-06-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

I mailed off a letter to Equifax about unauthorized inquiries reporting on my credit report on XX/XX/year>. I did not received anything back from them. I asked them to please remove the inquiries and to write me back a letter when they have been removed. they didn't do that. I also requested them to send me something saying they received my letter. I got no response. I also got the letter notarized by a publicly bonded notary. Some of the things I included in the letter was a violation of 15 USC 1681b2 explaining that they didn't have my written permission to include such information on my consumer report and the inquiries were unauthorized because they were in no benefit to me and I didn't submit any application to get any extensions of credit. I mailed that off certified mail which I can include a picture for proof of delivery. I have also done this same process with XXXX and XXXX. Attached I have proof that I have mailed all these credit reporting agencies twice and have received no response from any agency. I also have attached a letter I sent to Equifax informing them of the inaccuracies. I didn't include XXXX or XXXX 's letter because all I did was switch the credit reporting agency that was violating my consumer rights. 

I sent a second letter titled opportunity to cure giving Equifax a chance to redress the situation. The letter contained the same information in the first one and I still did not receive written request. The day I mailed off the second letter was XX/XX/year> certified mail. I can also provide a picture for proof of delivery of the second letter. In the second letter I included that 15 USC 1681n is the violation for civil liability for noncompliance and they still didn't not try to reach out to me the consumer/principal. 

I am seeking monetary relief for {$2500.00} and this is a fraction of what is due to me due to the noncompliance, violations, and improper use of my credit. Equifax is sharing information that is inaccurate and unfair per 15 USC 1681a and they have effected my credit worthiness, credit standing, credit capacity, my character, and my general reputation as a consumer. Thanks for your immediate attention to this matter.
Consumer complaint received 2024-05-31
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)

My name is XXXX XXXX. On XX/XX/year> I have sent my FTC Report and my license to TransUnion. I have unauthorized accounts reporting on my consumer report. I will file a police report. I will be filing a civil suit also against transunion for violating federal United States Code.
Consumer complaint received 2024-05-27
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. (PA)

I did not consent to, or authorize nor benefit from any of the following inquiries. 
XXXX and remove it. XXXX - XXXX Inquired on XX/XX/XXXX, XXXX - XXXX Inquired on XX/XX/XXXX, XXXX - XXXX Inquired on XX/XX/XXXX, XXXX - XXXX Inquired on XX/XX/XXXX, XXXX - XXXX Inquired on XX/XX/XXXX, XXXX - XXXX Inquired on XX/XX/XXXX, XXXX  Inquired on XXXX XXXX, XXXX, XXXX Inquired on XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX, XXXXXXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXXXXXX  Inquired on XX/XX/XXXX, XXXX XXXX  Inquired on XX/XX/XXXX & XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX
Consumer complaint received 2024-05-27
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)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.