davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-01
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. (CA)

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 2023-07-07
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. (GA)

This is my 6th endeavor 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, block 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-02-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Burke Moore Law Group, LLP (TN)

I PAID THIS DEBT OF XX/XX/year> I'VE LEFT SEVERAL TYPES OF COMMUNICATIONS IN AN EFFORT TO RECEIVE MY RECEIPT FOR THE PAYING OFF OF THIS DEBT in the amount {$2200.00} to-date I've not received my RECEIPT showing PAID IN FULL
Consumer complaint received 2023-08-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

XXXX bank let a party taken XXXX out of my account with a fake name. The customer withdrew XXXX with a withdrawal slip of XXXX XXXX XXXX then went to another bank as I was told by XXXX bank and withdrew XXXX using the name XXXX XXXX XXXX then went again to a XXXX bank and withdrew XXXX. This all happen between XXXX XXXX or XXXX until I puts a freeze on my account. They stated the fraud took place in Florida and I like in XXXX. I was in Georgia from XXXX XXXX. I made a police report and had my account changed but I still am out of XXXX. How can some one withdraw money with the wrong name and signature at XXXX bank and no REDFLAGS GO UP to question the party making the transaction.
Consumer complaint received 2023-11-11
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. (NC)

Please remove all fraudulent accounts as I have no knowledge of any of these accounts due to the Equifax breach Identity theft. My information was also impacted by the Equifax data breach and May have got into the hands of the wrong person. All is being investigated by the FTC. According to the FCRA 605B, 15 U.S.C. 1681c-2 this information must be blocked immediately within four business days.
Consumer complaint received 2024-04-19
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)

Recently I looked at a copy of my credit report and noticed an inaccurate account. I feel that this account affecting my credit report and costing me thousands of dollars in interest every year. It is my understanding that you will investigate this for me to ensure accuracy. XXXX XXXX XXXX XXXX After your investigation is complete, please send me the results via mail.
Consumer complaint received 2023-08-29
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Arizona XXXX Date of Birth : XX/XX/1993 SS # : XXXX Dear Consumer Financial Protection Bureau, I am writing to bring a serious matter to your attention regarding inaccurate and unverified accounts on my credit report, which are causing me considerable distress and financial hardship. I believe these accounts are in violation of key provisions of the Fair Credit Reporting Act ( FCRA ), specifically Sections 607, 611, and 623. 

The accounts in question are as follows : XXXX XXXX : Account Number : XXXX Violations : Violation of Section 611 - Procedure in case of disputed accuracy ( 15 U.S.C. 1681i ) : Despite multiple attempts to clarify the account information with XXXX XXXX, I have not received any satisfactory response or clarification regarding the account 's name and number. This lack of proper verification and transparency on their part violates my rights under the FCRA. 
Violation of Section 623 - Responsibilities of furnishers of information ( 15 U.S.C. 1681s-2 ) : XXXX XXXX has failed to provide accurate and verifiable information to the credit reporting agency, thereby misleading those assessing my creditworthiness. 
XXXX XXXX : Account Number : XXXX Violations : Violation of Section 607 - Compliance procedures ( 15 U.S.C. 1681e ) : The credit reporting agency has failed to establish reasonable procedures to ensure the accuracy of the information they maintain. This lack of oversight has resulted in the inclusion of an unverified account, which I am unable to recognize. 
Violation of Section 611 - Procedure in case of disputed accuracy ( 15 U.S.C. 1681i ) : Despite my efforts, neither XXXX XXXX nor the credit reporting agency have provided sufficient evidence that this account belongs to me. This inability to verify ownership is causing severe distress and anxiety. 
These inaccuracies have significantly impacted my life. As a result of these unverified accounts, I have been denied essential financial opportunities, including securing a mortgage for my family 's home. This emotional turmoil and financial setback have put immense strain on my personal and professional life, affecting my overall well-being. 

I implore you to take immediate action to enforce the relevant legal provisions of the FCRA. I kindly request that the Consumer Financial Protection Bureau intervene on my behalf to ensure the prompt removal of these inaccurate and unverified accounts from my credit report. This correction is not only a matter of financial justice but also a vital step toward alleviating the emotional toll these errors have taken on my life. 

Thank you for your attention to this matter. I eagerly await your response and resolution. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-02-01
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)

Please take a look at the attached letters and ID docs for verification that it is XXXX 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 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

I was a victim of identity theft and I am currently in distress and suffering from XXXX  because of this. I am seeking help on my situation where my credit report reflects an outstanding debt that I know was caused by fraud. I have no idea how the theft took place. I also have no knowledge of any suspects.
Consumer complaint received 2024-07-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IL)

I disputed this account with Equifax on XX/XX/XXXX because it is reporting an inaccurate last payment.I received the result of the dispute on XX/XX/XXXX and it came back the same, last payment XX/XX/XXXX. I called Equifax, the rep stated that the account is inaccurate but we can't remove it. I stated that i have the right to an accurate report under 15 U.S.C 1681i, the rep stated that they still can't remove it.
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I was a victim of identity theft and I am currently in distress and suffering from XXXX  because of this. I am seeking help on my situation where my credit report reflects an outstanding debt that I know was caused by fraud. I have no idea how the theft took place. I also have no knowledge of any suspects.
Consumer complaint received 2023-02-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

If, after any reinvestigation after paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation.

I sent out validation letters to the 3 credit bureaus ( XXXX, XXXX, TransUnion ) to verify the following accounts below. The credit bureaus sent letters verifying all information on the reports. Here are those accounts that were in dispute : Account : XXXX XXXX XXXX XXXX Account was disputed by consumer ( me ) because of inaccurate information. After the reporting agencies reported the account as verified, I still found information that is still inaccurate as follows : ( can also be found in screenshots attached ) - 'Date of Last Activity ' is inaccurate XXXX reports : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX - 'Date Reported " is inaccurate XXXX reports XXXX XX/XX/XXXX XXXX reports XXXX XX/XX/XXXX The account has already been deleted by TransUnion due to these inaccuracies but XXXX & XXXX have yet to delete them and I'm requesting assistance with the deletion of this account through CFPB. 


Account : XXXX XXXX XXXX  XXXX Account was disputed by consumer ( me ) because of inaccurate information. After the reporting agencies reported the account as verified, I still found information that is still inaccurate as follows : ( can also be found in screenshots attached ) - 'Date Reported ' is inaccurate on all 3 bureaus XXXX reports : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX TransUnion reports : XX/XX/XXXX Requesting deletion of this account due to inaccuracy even after reporting agencies reported information as verified. 


Account : XXXX XXXXXXXX XXXX Account was disputed by consumer ( me ) because of inaccurate information. After the reporting agencies reported the account as verified, I still found information that is still inaccurate as follows : ( can also be found in screenshots attached ) - 'Date of Last Activity ' is inaccurate on all 3 Bureaus XXXX reports : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX TransUnion reports : XX/XX/XXXX - 'High Balance ' is inaccurate on all 3 Bureaus XXXX reports : {$0.00} XXXX reports XXXX {$520.00} TransUnion reports XXXX {$1300.00} Attached files to show inaccuracies are from XXXX
Consumer complaint received 2024-02-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

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 accounts 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 XXXX XXXX
Consumer complaint received 2024-04-18
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: Experian Information Solutions Inc. (CO)

This was removed but since the credit report against want to blame the credit card company and say I had more XXXX acount from XXXX XXXX XXXX  show me so this help the other investigation.
Consumer complaint received 2024-02-01
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. (IL)

As I understand it, according to FCRA 605B, we should remove accounts that are reported wrongly on credit reports. I'm not exactly sure what happened, but please check the accounts in the documents. They're not accurate on my credit report, and it's upsetting and making me feel unwell. Can you assist?
Consumer complaint received 2024-04-18
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NJ)

I've always made sure to pay this account on time, never letting payments become overdue. I'm puzzled by reports of late payment remarks on my accounts. As per 15 USC 1666b - Billing Error, this should be corrected.
Consumer complaint received 2023-04-25
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: Experian Information Solutions Inc. (FL)

n accordance with the Fair Credit Reporting Act XXXX XXXXXXXX Account # 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 an account without my written instructions
Consumer complaint received 2024-02-01
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. (TX)

I was reviewing my Credit Report and noticed that the following companies are listed. I do not know who these companies are. I requested for XXXX to investigate since they are reporting this information to my credit report, however they have only responded that this information has been verified with no proof of the verification. Due to the 15 U.S.C 1681 there should not be any issues on my reporting, and this is a defemination to my character and my credit reporting.
Consumer complaint received 2024-04-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (NY)

I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.
Consumer complaint received 2024-02-01
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. (SC)

I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.
Consumer complaint received 2024-04-18
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)

XXXX XXXX XXXX XXXX is inaccurate fraud account and shall delete from my credit report by LAW. 
This account number XXXX with a balance of {$27000.00} shall delete as agreed by the creditor. 
This is not my account and the creditor agreed to delete it.
Consumer complaint received 2024-04-18
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Experian Information Solutions Inc. (IA)

I XXXX  that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.
Consumer complaint received 2023-03-10
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: CAPITAL ONE FINANCIAL CORPORATION (NC)

XX/XX/XXXX I busted an XXXX in my XXXX  so I had to get XXXX and because of that I was out of work for awhile. I took a look at my credit report and I have three missed payments on XXXX, XXXX, and XXXX of XXXX. In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 Section 602 states I have a right to privacy. 15 USC 1681 section 604a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-06-30
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. (PA)

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

Account name : XXXX XXXX XXXX 
Account XXXX Account name : XXXX XXXX Account XXXX Account name : XXXX XXXX Account number : XXXX has violated my rights. Or 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 XXXX 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 2024-02-01
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. (IL)

According to 605B, this account needs to be removed quickly. I'm angry that it's on my credit record, even though it's not mine. Its presence has upset me a lot, and I feel unwell due to this situation.
Consumer complaint received 2024-02-01
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. (VA)

I reviewed my consumer reports and noticed that I had a late payment 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 been late on payments for the account : ( XXXX XXXX ) : ( Account # 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 updated to on-time as they should be, as I was Never late. Thanks
Consumer complaint received 2024-09-01
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Sequium Asset Solutions, LLC (TX)

In XX/XX/scrub> 2023 a collection company ( sequoia asset collection ) asked for {$1200.00} for an unpaid XXXX XXXX XXXX bill. Since I have never had an XXXX XXXX XXXX account I immediately called XXXX XXXX XXXX. It turns out that someone in California opened the account under my name- this person has no association to me. 

After many hours on the phone with XXXX XXXX XXXX we were finally sent a 'fraud handling packet ' from XXXX  XXXX XXXX XXXX This company is no longer in business and it looks like the unpaid amount was moved to another collection agency. I called XXXX XXXX XXXX again yesterday and I fear that we will be given the same run around as last time.