davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (PA)

My information was sold and bought illegally because I was a victim of the Equifax data breach. I want these items Deleted from my credit reports effective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of this has done nothing. Please help me delete these illegal accounts from my credit reports. 



XXXX XXXX XXXX Account Number XXXX XXXX  XXXX Account Number XXXX XXXX XXXX XXXX XXXXXXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX  Account Number XXXX XXXX XXXXXXXX XXXX Account Number XXXX Account Name XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX Account Number XXXXXXXX XXXX XXXX XXXX XXXX Account Number XXXXXXXX XXXX XXXX XXXX XXXX Account Number XXXX Account Type XXXX XXXX XXXX XXXX  Account Number XXXX Account Name XXXX  XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX  Account Number XXXX
Consumer complaint received 2023-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or missing disclosures — 
Company: Experian Information Solutions Inc. (CA)

The agency reports inaccurate or incomplete information to credit reporting agencies, which can negatively impact my credit score. I do not always have access to all of the information that is being reported on my credit report so I feel like I am being take advantaged of.
Consumer complaint received 2023-05-03
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

This account is in violation of 15 USC 1681 Improper use of Personal information I have never signed a one month term with is company nor have I given any one written consent to use any of my personal information to this company they are also in violation of 15 usc 1681 for failure to report complete and accurate information to XXXX XXXX and TransUnion Inconsistent incomplete and inaccurate errors are as following XXXX reports 1 month term collec tion account with a past due balance with payment history being in XX/XX/XXXX if account was open XX/XX/XXXX why is there no payment history which is in violation of 15 usc 1681 I have asked for the con tract I was supposedly signed in XX/XX/XXXX XXXX does not have the account on their file at all TransUnion reports account open no past due no term no payment no past due balance XXXX TransUnion and XXXX all updated account status in XX/XX/XXXX This creditor is obligated by law to re port accurate and complete information as this creditor has failed to do so and I dont believe a proper investigation was completed and has past the 30 days I am demanding this account to now be deleted AS SOON AS POSSIBLE. 
I am Also filing a complaint with CPFB As you all have failed to complete a proper investigation and I am seeking damages as I am by law entitled to up to 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: TRANSUNION INTERMEDIATE HOLDINGS, 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 XXXX FL XXXX XX/XX/XXXX -- -- -- -- -- XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX, FL XXXX XXXX -- -- -- -- XXXX : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 2024-05-26
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: Experian Information Solutions Inc. (FL)

Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WV)

I contacted transunion and XXXX about being a victim of XXXX XXXX and fraud. I filed disputes with both transunion and XXXX and filed disputes with XXXX XXXX XXXX and XXXX XXXX XXXX  and XXXX XXXX XXXX XXXX XXXX and turned in a FTC XXXX XXXX report to them and there refusing to remove these fraudulent accounts from my credit report even though Ive provided them all the information and documents theyve asked for. These are not my accounts and Ive stated this several times and provided all information to them
Consumer complaint received 2024-05-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I tried disputing with XXXX XXXXXXXX but it comes back as verified but I know they didn't investigate anything because I have a letter from the Dept collector saying I resolved the account and don't owe anything ( balance to XXXX ) and then I noticed it's incorrect account number for the same account that's I owed that's why they couldn't find and delete it from my credit report I need help because they are playing a ruthless game with my financial wealth and it not fair I
Consumer complaint received 2024-05-03
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. (GA)

I am writing to file a formal complaint regarding an inaccurate bankruptcy report on my credit file, which has been verified by the credit bureaus through XXXX XXXX. This misinformation has caused significant distress and financial hardship for me, as it has negatively impacted my credit score and ability to access credit. 

Upon discovering the bankruptcy report, I was told by the credit bureau company to immediately contacted XXXX XXXX to request clarification on how this information was verified. To my surprise, XXXX XXXX informed me that they had verified the information through PACER ( Public Access to Court Electronic Records ), an online service that provides access to federal court records. However, PACER explicitly stated that they are not affiliated with XXXX XXXX and do not contact consumer reporting and credit reporting agencies. PACER 's sole function is to provide access to federal court records. 

This conflicting information has left me deeply concerned and confused about the accuracy of the bankruptcy report on my credit file. I believe there has been a serious error in the verification process, and I am requesting your assistance in resolving this matter promptly. 

I kindly request that the Consumer Financial Protection Bureau conduct a thorough investigation into the verification of the bankruptcy report on my credit file. Additionally, I urge you to work with the credit bureaus to ensure that this inaccurate information is promptly removed from all credit reports. 

I appreciate your attention to this matter and trust that you will take the necessary steps to rectify this situation.
Consumer complaint received 2023-03-10
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (DE)

Citi Bank admitted in their XX/XX/XXXX letter that they did not receive Documentation from the Merchant during the Dispute Resolution Timeframe stated in my Home Depo Credit Card Agreement of two billing cycles. They billed me after the 2 Billing cycles for the same Purchase of {$2900.00}. 
They also did not apply the advertised 24 Month Promotional on the original purchase date of 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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am writing to formally dispute and report instances of identity theft that have impacted my credit report. Upon reviewing my credit report, I discovered several unauthorized accounts and activities that are a result of identity theft. I request your immediate assistance in rectifying these inaccuracies and securing my credit profile. 

Below are the details of the fraudulent accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I request that you conduct a thorough investigation into these accounts and remove them from my credit report immediately. Failure to do so may result in further damage to my credit score and financial well-being. 

Please provide me with written confirmation once the investigation is complete and the unauthorized accounts have been removed from my credit report. I also request a free copy of my updated credit report following the resolution of this matter.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

The company devslopes took out a loan from XXXX XXXX without my consent, and is now saying I owe XXXX. I never took out any loan or received any schooling from this company, that is identity theft.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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 2024-05-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of XXXX XXXX XXXX regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.
Consumer complaint received 2024-05-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

PLEASE BLOCKED AND REMOVED I did not initiate these accounts, and I suspect them to be fraudulent. I request a thorough investigation and their removal from my credit report. Attached are supporting documents.
Consumer complaint received 2024-05-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

PLEASE BLOCKED AND REMOVED I did not initiate these accounts, and I suspect them to be fraudulent. I request a thorough investigation and their removal from my credit report. Attached are supporting documents.
Consumer complaint received 2023-05-03
Product: Credit reporting, credit repair services, 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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

After several attempts and sending information with required ID, Bill & SS card they are using generic auto tactics! They will not issue my credit report. They have fraud alert I never asked for at all. They are reporting debt that I dont not have being filed XXXX XXXX Bankruptcy- they have wrong addresses my only address is XXXX XXXX XXXX XXXX XXXX  MD XXXX, My jobs are XXXX XXXX XXXX  formerly XXXX XXXX  years & XXXX XXXX XXXX XXXX year only- They have inquires from 2022 never did and reached out to fraud department no help at all! They raised my score and dropped it for NO reason at all! My score should have raised without all the debt that has been discharged!!!!!! Its always generic responses no help st all or accurate information!
Consumer complaint received 2023-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NV)

XXXX XXXX ACCT XXXX IS SHOWING INACCURATE BALANCE I CALLED AND VERIFIED THE CORRECT AMOUNT IS XXXX BUT IT SHOW INCORRECT BALANCE ON XXXX, XXXX, XXXX AND EXPERIAN. 

MULTIPLE INSTANCES OF INACCRACIES, OUTDATED AND ERRONIOUS INFORMATION DOCUMENTED WITH PREVIOUS COMPLAINTS THAT THEY REINSERTED AFTER REMOVAL.
Consumer complaint received 2024-05-03
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. (IL)

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.

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 2024-05-03
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. (GA)

I was the victim of identity theft. Per FCRA section 605b you are required to remove any items listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of ITEMS which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX, GA XXXXXXXX XXXX XXXX  XXXX Balance Owed : {$2500.00} XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX GA XXXXXXXX XXXX XXXX XXXX Balance Owed : {$2500.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXA XX/XX/2022 XXXX XXXX XXXX XXXX, GA XXXXXXXX XXXX XXXX XXXX Balance Owed : {$2500.00} XXXX XXXX
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

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 2024-05-03
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. (NJ)

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. Here is the list of items that 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 XX/XX/2022 XXXX XXXX XX/XX/XXXX XXXX
Consumer complaint received 2024-01-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

To whom it may concern i have sent letters to the consumer credit agencies XXXX, Equifax and XXXX.Stating that they were reporting the wrong, old, past the statue of limitations accounts and inaccurate information on my consumer credit report. According to 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( XXXX ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. Also FDCPA1006.30a the consumer reporting agencies can not park debt on my consumer credit report. 
VIOLATIONS are as such 15 usc 6801 ( a ) Privacy Obligation/15 usc 6809 ( 4 ) non public personall information
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

It's required by FCRA 605B that we remove any incorrect accounts from my credit report. Would you please review the documents? Some of the listed accounts are inaccurate in terms of reporting. I should receive {$1000.00} for each inaccurately reported item on my credit file.
Consumer complaint received 2022-10-20
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. (OH)

In accordance with the Fair Credit Reporting act XXXX account XXXXXXXX XXXX XXXX # XXXX, account XXXX XXXX # XXXX, account XXXX XXXX # XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2024-05-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

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.

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.