davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 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 2023-08-28
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)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX Balance : - XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$36.00} XXXX XXXXXXXX Balance : {$3400.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2024-05-06
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)

I am writing to address a pressing issue regarding inaccuracies on my credit report. Upon a recent review, I discovered late payments incorrectly listed on my account. I kindly request your prompt assistance in correcting or removing this information from my credit report. Maintaining an accurate credit history is crucial, and the reported late payments do not accurately reflect my financial responsibility. I believe this discrepancy is due to an error and seek your immediate intervention to rectify it. Also, I contact the bank thru a phone call and they said to fix this. Please conduct a thorough investigation into the reported late payments on my account and take the necessary steps to correct or remove this information from my credit report. 

XXXXXXXX XXXX  XXXX. XXXX
Consumer complaint received 2023-08-28
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. (AZ)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXXXXXX Balance : - XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$36.00} XXXX XXXXXXXX Balance : {$3400.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXXXX/XX/XXXX
Consumer complaint received 2024-07-09
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. (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.

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 informationisinaccurate.
Consumer complaint received 2023-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TX)

My previous address on file has the incorrect zip code listed on my credit report and an update is required. 

The address of XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX should not have the zip code XXXX listed within the address. 

it is exhausting having to constantly correct misinformation after years of requests. 

Please ensure ALL of my data is corrected.
Consumer complaint received 2024-06-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc. (TX)

The company Credit Collection Services began reporting a debt collection to credit bureaus without any notice or communication. Under FDCPA regulations, Debt collectors must establish contact and give notice PRIOR to reporting to credit bureaus. 

I am also entitled to debt verification to which the collection agency has failed to comply. I disputed this through the credit bureaus and have not made progress. There are multiple issues with the manner that this account is being handled by the agencies as well as bureaus.
Consumer complaint received 2024-06-20
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (TX)

After my last complaint filed with the CFPB regarding my Discover card, Discover sent me a letter, dated XX/XX/year>, stating my Discover tradeline would be removed from my credit report. This removal has not been performed by Discover.
Consumer complaint received 2024-05-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (TX)

I am writing to formally address and clarify significant discrepancies concerning the management and reporting of my financial account under your purview, specifically regarding the non-issuance of IRS Form 1099-C and the alleged discharge of a charge-off as part of a bankruptcy proceeding. This correspondence serves both as a formal complaint and a prelude to the enclosed Affidavit of Fact and Truth.

As per the Internal Revenue Service regulations, I have not received the required Form 1099-C, a necessary document for reporting the cancellation of debt which inherently impacts my tax liabilities. The absence of this form suggests a non-compliance with IRS tax laws on your part, a matter of serious concern and potential legal implications. 

Furthermore, your company 's assertion that this charge-off has been addressed through a bankruptcy discharge remains unsubstantiated. According to the Fair Credit Reporting Act ( FCRA ), specifically Section 611, paragraph ( 6 ) ( B ) ( iii ), during the procedures of reinvestigation, ... if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available .... 

In light of these requirements, I hereby challenge the verifiability of the account status reported by your company and question the validity of the claim regarding its discharge under bankruptcy laws. It is imperative for your company to provide a detailed and transparent account of the process undertaken to determine and report the status of my account, including all relevant communications with information furnishers.

Attached to this letter is an Affidavit of Fact and Truth, detailing these concerns and my formal stance on the matter. I expect a prompt and detailed response to this affidavit, along with the requisite documentation and explanation as mandated by law. Failure to adequately address these concerns may necessitate further legal action. 

I appreciate your immediate attention to this serious issue and look forward to your compliance with the legal requirements as stipulated by the FCRA.
Consumer complaint received 2024-05-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX / XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-05-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022
Consumer complaint received 2024-06-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: SUNRISE CREDIT SERVICES, INC (PA)

XXXX XXXX XXXX XXXX XX/XX/XXXX Last SSN XXXX Address : XXXX XXXX XXXX XXXX XXXX Pa XXXX. I lived at this address since XXXX Phone : XXXX My personnel information was stolen during the XXXX XXXX XXXX XXXX XXXX XXXX breach XXXX I currently work at XXXX XXXX XXXX XXXX XXXX Maryland XXXX XXXX They provided a monitoring service for 3 years. I submitted a police report to the XXXX XXXX XXXX XXXX XXXX Police XXXX. 
SUNRISE Credit services provided derogatory report to the credit agencies. Stating unpaid XXXX XXXX  account XXXX with Phone number was open in XX/XX/XXXX closed XX/XX/XXXX They had the Social security number and address. XXXX knows the perpetrator and needs to submit criminal complaint report to police in XXXX, New Hampshire to investigate. SUNRISE Credit Services provide the perpetrators address XXXX XXXX XXXX XXXX XXXX XXXX, New Hampshire. XXXX XXXX. 
I attest that I never had an account with XXXX XXXX. I do not know the perpetrator or the address they used to open the XXXX XXXX  account
Consumer complaint received 2024-09-10
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. ()

I am writing to formally notify the Consumer Financial Protection Bureau ( CFPB ) regarding an unauthorized credit inquiry and the related inaccuracies on my credit report. Without my explicit consent or authorization, my credit report was accessed by TransUnion. Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S. Code 1681b ), consumer reporting agencies are only allowed to provide credit reports under specific circumstances, such as when the consumer has given explicit permission, which in this case, I did not. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MD)

I am writing to formally request the removal of two hard inquiries from my credit report that I believe were not authorized by me. The details of these inquiries are as follows : XXXX : XX/XX/XXXX XXXX - Inquiry Date : XX/XX/XXXX XXXX XXXX - Inquiry Date : XX/XX/XXXX Upon reviewing my credit report, I noticed these inquiries listed under the section of hard inquiries. I do not have a relationship with these companies. Furthermore, I do not recognize or recall authorizing these entities to access my credit report, and I believe these inquiries may be errors. According to the Fair Credit Reporting Act, only authorized inquiries should impact my credit history. 

I kindly request that you investigate these entries. I understand that under the FCRA, you are required to process and complete any disputes within 30 days. I appreciate your attention to this matter and look forward to seeing these inquiries removed from my credit report should they be found unauthorized or erroneous. 

Please confirm receipt of this letter and inform me of any additional information or documentation you might require to expedite this process. You can reach me at my email or phone number listed above. Thank you for your cooperation and assistance. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-05-06
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. (MS)

I RECENTLY PULLED A COPY OF MY CREDIT REPORT AND NOTICED ACCOUNTS BEING REPORTED THAT I HAVE NOT AUTHORIZED NOR HAVE ANY AFFILIATION WITH. I WAS INFORMED THAT MY PERSONAL INFORMATION WAS INVOLVED A IN BREACH AND WAS ADVISED TO CHECK MY CREDIT. I CONTACTED THE CREDIT REPORTING AGENCIES XX/XX/2023 ADVISING OF ACCOUNTS AND REQUESTING VERIFICATION. THESE ACCOUNTS ARE UNVERIFIABLE. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 I ALSO NOTICED ADDRESSES BEING REPORTED WHERE I NEVER RESIDED, AND REQUESTED THAT THEY BE REMOVED.
Consumer complaint received 2024-05-06
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. (NJ)

Timely payments are a certainty for me. However, I find it puzzling why this company occasionally marks certain months as late, which doesn't align with my records. According to USC 1666b, any billing discrepancies should be promptly corrected and reflected accurately.
Consumer complaint received 2024-05-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Experian Information Solutions Inc. (IL)

Experian and XXXX are reporting incorrect inquiries that I do not recognize after filing previous complaints they allege this information was verified upon further investigation consequently they sell consumer information without consent for profit. This behavior is clearly why they will not remove these inquiries. They sold my information without my consent and now such behavior is causing me harm. 

XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX
Consumer complaint received 2024-05-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

Please take a look at the attached letters and ID docs for verification that it is 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 2023-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX, MS XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX, XXXX  XXXX XXXX XXXX XXXX {$0.00}, XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX  XXXX BANK XXXX Balance : {$0.00}, XXXX XXXX Balance : {$0.00}, XXXX  XXXX XXXX Balance : {$830.00}, XXXX XXXX Balance : {$0.00}, XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$630.00}, XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX  XXXX XXXX XXXX ) XXXX Balance : {$1200.00}, XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX
Consumer complaint received 2024-09-10
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. (CA)

I reviewed my consumer reports and noticed that i had XXXX late payments on an account that i was never late for consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. i have never be late on payments for the account. XXXX account number XXXX please investigate and provide proof with statements showing that these payments were late. if proof can't be provided i demand these payments be update to on time as they should be as i was NEVER late. thanks
Consumer complaint received 2024-05-06
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 am writing to formally dispute the inaccurate reporting of accounts on my credit report. This is a clear error and needs to be promptly rectified. In compliance with the law governing accurate credit reporting, it is imperative that these inaccuracies are addressed immediately. Reporting accounts with incorrect balances not only violates legal standards but also harm the integrity of my credit history. 

Specifically, the following accounts are affected : XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXXXXXX XXXX XXXX. ) XXXX. 


I request that you conduct a thorough investigation into these discrepancies and take the necessary steps to remove the accounts from my credit report.
Consumer complaint received 2024-05-06
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. (TN)

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 XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-05-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (VA)

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.