davidheineman/consumer-finance-complaints-large huggingface dataset:
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I am following up on my recent complaint dated XX/XX/XXXX. As stipulated by FCRA Section 605B, Credit Reporting Agencies must remove items listed on an identity theft report. My reference number is XXXX. Enclosed with this complaint are the necessary documents to facilitate the removal of the erroneous personal information and inquiries that have appeared on my report. Below is a list of items that were opened without my consent : XXXX : XXXX XXXX XXXX XXXX, NJ XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, NJ XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX -- -- -- -XXXX XXXX XXXXXXXX XXXXXXXX XXXX  XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXXXXXX, NJ XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX -- -- -- -TRANSUNION : XXXX XXXX XXXX XXXXXXXX, NJ XXXX XXXX XXXX XXXX XXXXXXXX XXXX, NJ XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. Under FCRA Section 605B ( a ), credit reporting agencies must remove items identified as resulting from identity theft within four business days of receiving the request.
Consumer complaint received 2024-06-03
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. (PA)

Recently I looked at a copy of my credit report and noticed several inaccuracies in my account. 
This account is hurting my ability to obtain credit. 
It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TransUnion : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

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 XXXX, XXXX, and Transunion data breach.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am doing follow up for my recent complaint dated XX/XX/XXXX. Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an identity theft report with reference number XXXX. Please find the ATTACHED documents to assist in the removing of the erroneous personal information and inquiries which were being posted to my report. Here is the list of items which were opened without my permission : XXXX : XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX -- XXXX -- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any items in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2024-08-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Consumer complaint received 2024-06-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

I am writing to request the deletion of XXXX XXXX XXXX XXXXXXXX ( NEGATIVE account # XXXX ) from my credit report due to several discrepancies. I have disputed these errors since XXXX, and under the Fair Credit Reporting Act ( FCRA ), if they are not corrected within 30-45 days, they must be removed. Since we are well past this timeframe, I am requesting a deletion due to these errors. 

||**Credit Limit : Reported as {$7000.00} by XXXX and XXXX XXXX but {$0.00} by Equifax. 

||**Date Opened : Inconsistent dates with XX/XX/XXXX reported by XXXX and XX/XX/XXXX reported by XXXX and Equifax. I am requesting the exact month, day, and year of the date opened. I will NOT accept only the month and year. If you can not provide this information, please DELETE. 

||**Date of Last Payment : Reported as XX/XX/XXXX by XXXX and XXXX XXXX and XX/XX/XXXX by Equifax. I am requesting the exact month, day, and year of the last payment received. I will NOT accept only the month and year. If you can not provide this information, please DELETE. 

The persistent inaccuracies and failure to correct them within the legally required timeframe constitute a violation of the FCRA. The continued presence of this incorrect information is unfairly damaging my credit score and financial standing. 

Given these points and the unresolved discrepancies, I request that the credit bureau delete the entire account from my credit report immediately. 

Thank you for your prompt attention to this matter.
Consumer complaint received 2024-06-03
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)

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  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 2024-08-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (OH)

I recently visited my doctor for a XXXX XXXX that I need to live. I was directed to the finance department to weigh my payment options. I was refused the funding I need because of an error on my Experian report. I was advised to resolve all errors before I could have my XXXX. I am under extreme stress as I can't eat without this XXXX. The error is as follows, Also known as XXXX XXXX XXXX ( NOT ME ) ; ADDRESS : XXXX XXXX XXXX XXXX XXXX, OHIO XXXX ( NOT MY ADDRESS ), AND XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX NOT MY ADDRESS ).
Consumer complaint received 2023-11-16
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Resurgent Capital Services L.P. (PA)

I have told this company to cease communicating with me about these two accounts ( XXXX and XXXX ) and they are still communicating with me indirectly via credit reporting. The fdcpa states that once a consumer notifies a debt collector in writing of refusal to pay or to cease all communications, a debt collector may not communicate with the consumer. In that act, the term communication is defined as " conveying of information regarding a debt directly or indirectly to any person through any medium '' and credit reporting is an indirect medium. I demand this company to cease all reporting and to compensate me for violating the Fair debt collection practices act.
Consumer complaint received 2024-06-03
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. (TX)

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 


Inquiry XXXX
Consumer complaint received 2024-06-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (LA)

This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself.This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-11-16
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. (NY)

The credit card company XXXXXXXX XXXX XXXX  incorrectly submitted XXXX hard inquiries for the same credit card application. The first hard inquiry was on XX/XX/XXXX and the second hard inquiry was on XX/XX/XXXX. I asked XXXX XXXX XXXX to remove one of the inquiries as they had improperly reported and need to submit accurate information. It took over 6 months, but they finally sent me a letter on XX/XX/XXXX stating they submitted a request to all three major credit bureaus to remove the hard inquiry from XX/XX/XXXX. However, it is now XX/XX/XXXX and it still remains on my credit reports, especially TransUnion. I have followed up with them a few times since XXXX about this and they continue to confirm they sent in the request, however the inquiry has remained.
Consumer complaint received 2024-08-02
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. (NY)

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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-12-16
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

I've always been punctual with my payments, and it feels unjust to face repercussions for an error not of my doing. This has become a major source of XXXX for me, and I sincerely hope for a swift resolution.
Consumer complaint received 2019-04-17
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: WELLS FARGO & COMPANY (AZ)

The following XXXX credit card account ending in XXXX is a fraudulent account. I never applied for the credit card account. I am a victim of identity theft and have been a identity theft victim for over XXXX yrs. Someone stole my identity and applied for the account using my personal information. The XXXX credit card account and the balance of {$4300.00} I snt mine and dont belong to me.
Consumer complaint received 2024-09-15
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)

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( Private SSN ), Consumer Date of Birth : ( Private DOB ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit, loans. XXXXXXXX XXXX XXXX {$470.00} XXXX. XXXX XXXX XXXX {$900.00} XXXX. XXXX XXXX XXXX {$1900.00} XXXX. I XXXX XXXXXXXX XXXX {$620.00} XXXX XXXX XXXX  XXXX XXXX XXXX {$1000.00} XXXX. XXXX XXXX {$1000.00} XXXXXXXX XXXX XXXX XXXX {$7200.00} XXXX. XXXX {$5500.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2024-08-22
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)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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 2024-06-03
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. (FL)

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 2024-08-22
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: Experian Information Solutions Inc. (GA)

I am writing to express my serious concern about the disputed accounts on my credit report. Despite multiple attempts to have these inaccuracies addressed, I have yet to see any resolution or corrective action. These errors are significantly damaging my credit file and severely impacting my ability to lead a normal life. 

The consequences of these inaccuracies have left me in a challenging situation, and I urgently seek your assistance in resolving this matter. I respectfully request a thorough investigation into the reporting of each disputed account. It is essential that the necessary steps are taken to promptly update and correct my credit report. 

With your help, I hope to restore the accuracy and integrity of my credit file, allowing me to regain control over my financial well-being. I strongly urge you to give this matter your immediate attention and take swift action. Your prompt cooperation in resolving this issue would be greatly appreciated. Thank you in advance for your understanding and support.
Consumer complaint received 2024-06-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (NJ)

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-06-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-06-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2024-08-22
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. (KS)

I checked my credit report and I noticed some inquiries and accounts that was opened fraudulently and I file for an identity theft. Below are the accounts and inquiries that was opened without my knowledge XXXX XXXX {$290.00} opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX {$360.00} opened XX/XX/XXXX XXXX  XXXX  {$2700.00} opened XX/XX/XXXX XXXX XXXX XXXX {$3400.00} opened XX/XX/XXXX XXXX XXXX XXXX {$19000.00} opened XX/XX/XXXX XXXX XXXX XXXX  opened XX/XX/XXXX XXXX XXXX XXXX XXXX {$16000.00} opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX opened XX/XX/XXXXXXXX XXXX XXXX  opened XX/XX/XXXX XXXX XXXX XXXX  opened XX/XX/XXXX {$200.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX opened XX/XX/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