davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-03-21
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: EQUIFAX, INC. (NC)

Equifax and XXXX are reporting me 120 days late on the XXXX/XXXX   partial account numbers XXXX ; XXXX ; XXXX ; XXXX ; XXXX and XXXX. These accounts reflect a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score. It is impossible to be 120 days late on an account that has a {$0.00} balance and {$0.00} past due. I have contacted the two bureaus to fix this issue.
Consumer complaint received 2023-05-16
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: Experian Information Solutions 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. 
has violated my rights. 

Name of Account Account Number. Balance XXXX Dept Of Ed XXXXXXXX {$630.00} Unverified Account XXXX Dept Of Ed XXXX {$5700.00} Unverified Account XXXXXXXX Dept Of Ed XXXXXXXX {$2500.00} Unverified Account XXXX Dept Of Ed XXXX {$6100.00} Unverified Account XXXX Dept Of Ed XXXX {$2700.00} Unverified Account US DEPT OF EDXXXX  Account numberXXXX Date openedXXXX Original balance {$4700.00} US DEPT OF EDXXXX Account numberXXXX Date openedXXXX Original balance {$500.00} US DEPT OF EDXXXX Account numberXXXX Date openedXXXX {$4700.00} 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 AN 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 2024-07-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (VA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-05-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

I PULLED ANOTHER COPY OF MY CREDIT REPORT AND NOTICED ACCOUNTS BEING PLACED BACK ON MY CREDIT REPORT AFTER BEING INVESTIGATED AND UNVERIFIED. THIS IS COMPLETELY ILLEGAL, AND IN VIOLATION OF 15 USC 1681I ( 2 ) A, I DID NOT RECEIVE ANY WRITTEN NOTIFICATION NOR WITHIN THE 5 BUSINESS DAYS TIME FRAME. I SENT EACH BUREAU A LETTER CERTIFIED MAIL TO ATTEMPT TO RESOLVE THE ISSUE WITH NO FORMAL RESPONSE. 

AS REPORTED BEFORE THIS ACCOUNTS ARE THE DIRECT RESULT OF IDENTITY THEFT AND REPORTING THESE TYPE OF ACCOUNTS TO MY CONSUMER PROFILE IS IN VIOLATION OF 15 USC 1681C-2 THE CREDIT REPORTING AGENCIES HAVE THE LEGAL OBLIGATION OF REPORTING MAXIMUM ACCURACY, WHICH IS GOVERNED BY 15 USC 1681E ( B ) AS REQUESTED PREVIOUSLY, I WOULD LIKE ALL INCORRECT NAMES AND ADDRESSES REMOVED FROM MY CONSUMER PROFILE TO PREVENT INACCURATE REPORTING AND THEFT ACCOUNTS.
Consumer complaint received 2024-07-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NC)

I am writing to formally request the removal of several accounts and inquiries from my credit report. These accounts and inquiries are unauthorized and does not belong to me. The presence of data breach has negatively impacted my credit standing, leading to a significant drop in my FICO score.
Consumer complaint received 2024-05-20
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.
Consumer complaint received 2023-12-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: P&B Capital Group, LLC (MI)

I sent letter to this company about validation that i owe them In the letter that was sent to me it stated that they got the validation from a company called XXXX XXXX XXXX. The validation letter states XXXX XXXX. 

They also stated that XXXX XXXX was the original creditor. But P $ B IS WHO is on my report When
Consumer complaint received 2024-08-26
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. (TX)

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXX XXXXXXXX BALANCE {$1500.00} Account Name : XXXX XXXX  XXXX XXXX BALANCE {$1100.00} Account Name : XXXX XXXX  # XXXX BALANCE {$5500.00} Account Name : XXXX XXXX  # XXXX BALANCE {$20000.00} Account Name : XXXX  XXXX # XXXX BALANCE {$3600.00} Account Name : XXXX XXXX XXXX XXXX XXXXXXXX BALANCE {$0.00} Account Name : XXXX XXXX XXXX XXXX # XXXX BALANCE {$4600.00}
Consumer complaint received 2024-07-09
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. (GA)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2018-04-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (NV)

Chapter XXXX Bankruptcy-XX/XX/2017 I never filed for bankruptcy I have disputed this information with : Experian XXXX XXXX XXXX XXXX   XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, PA XXXX
Consumer complaint received 2023-05-15
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: Experian Information Solutions Inc. (TX)

I have been disputing the inaccuracies on my credit report XX/XX/2022 and I am still having the same issues. This is hindering my opportunity of homeownership. I'd asked the credit bureaus to " investigate every piece of information '' on my accounts I have listed below. According to the FRCA the term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. I have asked respectfully that Id be provided with proof of the disputed item specifically any contact note, court document, or any instrument having my signature. They have failed to do this as expected, according to the law, the items would be deleted within 30 days, but this has been ongoing since XX/XX/2022. The credit bureaus stated my account was verified but how is that possible if they did not do a proper investigation according to the law. This was the response after several dispute letters were sent and ignored. I recently accessed a new credit report and found the same and similar discrepancies which means every piece of information on these accounts are still not 100 % accurate according to the FRCA 15 USC 1681 everything must be 100 % accurate. I have the credit report still showing inaccuracies. 

XXXX XXXX : XXXX Experian : XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian : XXXX XXXXXXXX XXXX ( Please validate and correct ) XXXX : XXXX Experian : XXXX XXXX : XXXX
Consumer complaint received 2024-06-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (KY)

The items listed below are reported on my credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX, XXXX **Consumer Financial Protection Bureau*XXXX XXXX XXXX XXXX XXXX XXXX IA XXXX **Subject : Dispute of Incorrect Late Payment Information on Credit Reports** Dear Consumer Financial Protection Bureau, I am writing to formally dispute the inaccurate information reported by TransUnion and XXXX on an XXXX/XXXX  account ( Account # XXXX XXXX ) that does not belong to me. 

Below are the specific details of the account as reported by each bureau : - **TransUnion** - Account Type : Revolving - Account Status : Derogatory - Monthly Payment : {$0.00} - Date Opened : XX/XX/XXXX - Balance : {$0.00} - High Credit : {$770.00} - Credit Limit : {$500.00} - Past Due : {$0.00} - Payment Status : Collection/Chargeoff - Last Reported : XX/XX/XXXX - Comments : Charged off as bad debt ; Purchased by another lender ; Unpaid balance reported as a loss by the credit grantor ; Sold to : XXXX XXXX XXXX 
- Date Last Active : XX/XX/XXXX - Date of Last Payment : XX/XX/XXXX - **Experian** - Account Type : Revolving - Account Status : Derogatory - Monthly Payment : {$0.00} - Date Opened : XX/XX/XXXX - Balance : {$0.00} - High Credit : {$0.00} - Credit Limit : {$500.00} - Past Due : {$0.00} - Payment Status : Collection/Chargeoff - Last Reported : XX/XX/XXXX - Comments : Purchased by another lender ; Unpaid balance reported as a loss by the credit grantor. 
- Date Last Active : XX/XX/XXXX - Date of Last Payment : XX/XX/XXXX Under the Fair Credit Reporting Act ( FCRA ), I am entitled to have accurate information reported in my credit file. Section 611 of the FCRA ( 15 U.S.C. 1681i ) requires credit reporting agencies to correct or delete inaccurate, incomplete, or unverifiable information within 30 days of the dispute being filed. 

I have never opened or authorized this account. As such, the information reported is inaccurate and must be corrected or removed. 

I request that the CFPB investigate this matter and instruct TransUnion and XXXX to remove the incorrect account information from my credit reports. 

Thank you for your prompt attention to this matter. Please inform me once these corrections have been made. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX
Consumer complaint received 2024-05-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I wish to underscore that the inclusion of inaccurately reported late payment remarks on my accounts not only raises significant concerns but also represents a blatant violation of the regulations delineated in the 15 USC 1666. This statute, an integral component of the Fair Credit Billing Act, specifically aims to safeguard consumers against unjust billing practices and mandates the accurate reporting of payment histories. Each payment associated with these accounts has been diligently and promptly rendered within the specified timeframes. Therefore, any deviation from this precise reporting not only undermines my financial integrity but also contravenes the legal protections enshrined within this statute. It is imperative to promptly rectify this situation to ensure compliance with the law and uphold the rights of consumers.
Consumer complaint received 2024-05-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2024-01-19
Product: Credit reporting 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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

My information was sold and bought illegally because I was a victim of the XXXX data breach. I want these items deleted from my credit reports effective immediately. I am attaching proof that XXXX has admitted that I was in fact a victim of this data breach. Please help me delete these illegal accounts from my credit 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
Consumer complaint received 2023-05-01
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. (AR)

I filed this claim days ago, and when I attempted to contact the company involved they put me on hold for one hour and a half the first time, thirty minutes the second, and twenty minutes the third. My rights as a consumer have been violated. It is the duty of financial institutions to protect the security and confidentiality of my information and this company has failed to do that. 

Complaint : XXXX XXXX XXXX Credit reporting Incorrect information on your report EQUIFAX XX/XX/2023 Open Company response is in progress as of XX/XX/2023
Consumer complaint received 2024-07-24
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)

All of the listed inquiries were unauthorized and Im a victim of identity theft can you please remove these XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-06
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: EQUIFAX, INC. (CA)

I submitted a letter to the 3 Credit Bureaus on XX/XX/2022, to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX XXXX : {$2900.00} ; XXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX  XXXX Balance : {$0.00}
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NV)

I have sent a dispute letter to Equifax on XXXX/XXXXXXXX and didn't receive any response. I am deeply concerned about the numerous inconsistencies found on my credit report. I've noticed a few inconsistencies that need to be fixed right away. 

Below is a detailed description of the particular errors in question : Under Personal Information, My Name is reporting wrong. Correct as soon as you get this. Date of birth is not the same for the other bureaus. Correct all errors. Current address is reporting wrong. Correct all errors. Previous address is reporting wrong. Please do your investigation. The Employee information is wrong. The FTC says that you have to investigate. Im asking you to do that. I have provided my social security number and proof of address to further fix this issue. My name is XXXX XXXX XXXX. 
My address is XXXX XXXX  XXXX XXXX # XXXX XXXX XXXX NV XXXX Under Accounts, XXXX XXXX : XXXX, CFPB states that you must investigate inaccurate accounts, and this account is inaccurate. This item MUST be DELETED under the law. XXXX XXXX  XXXX : XXXX, It appears that this account has issues that needs to be fixed. Respectfully request to provide me with competent evidence that you are reporting this account correctly. If not delete it. 
XXXX : XXXX, It appears that this account has problems, and it needs to be addressed. Demand this item to be DELETED from my credit report ASAP. 
XXXX : XXXX, It looks like this account is not reporting the way it should be reporting because it's different on the other bureau reports. Request to correct the inaccurate information immediately by deleting it. 
XXXX XXXX : XXXX, XXXX demanding a deep investigation into this account due to its inaccuracies. The item must be DELETED IMMEDIATELY. XXXX XXXX XXXX, Please investigate this inaccurate and misleading account today. Please respond immediately, do your investigation, and remove the inaccurate account so that I do not need to pursue my legal rights under The Fair Credit Reporting ACT.
Consumer complaint received 2024-06-25
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. (TX)

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 2024-05-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2023-06-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FREEDOM FINANCIAL NETWORK (CA)

Freedom Debt relief is asking for money ( settlement fees ) on a paid off account that I was sued for and subsequently I had to pay the credit card company directly or go to court. they failed to live up to their bargain of having their attorneys negotiate for me, which i paid them to do. they did not communicate with me in good faith as my court date approached and i was forced to pay the credit card or be sued for the amount plus court costs and attorneys fees. Freedom Debt Relief ( Freedom Financial ) failed to pay the credit card company money i had in my account as well as kept fees associated with said account. Now they are asking for money associated with this account that i Had to pay the full amount to the credit card company.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. I do not have a record of doing business with these companies. It is the result of identity theft. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.