davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I filed a dispute with all 3 credit bureaus they failed re remove the accounts affected by identity theft within 4 days per FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information 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 by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer ALL REQUIRED PAPERWORK SENT CERTIFIED MAIL USPS
Consumer complaint received 2024-05-23
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY (MD)

Someone stole my credit information and proceeded to charge up my card to over the sum of XXXX XXXX And also used my account to set up pay it later is a monthly billing for products that you dont want to pay in total upfront. So she created several reoccurring charges on my account.
Consumer complaint received 2024-05-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (NY)

Last year I consolidated my loans with Student aid. Student aid consolidated and Mohela transferred me to XXXX XXXX until the consolidation was completed. When Mohela received my account back, no consolidation changes were made. I called in several times, and they told me each time that they were going to make the changes. To date, the consolidation changes have not been made. I called them today XXXX and was on hold for over XXXX minutes and they checked into the issue. No results. I uploaded a 1099c and the consolidation paperwork to them on XXXX, and nothing. 

Issue two I asked for a forbearance on my payments and to date it still isn't on my account so my account is reporting negative. 

Issue Three, I am in XXXX loan forgiveness, and none of my loans have been forgiven I have been in XXXX loan forgiveness for over 15 years. 

To finalize I am unhappy with Mohela 's services, Mohela is not providing excellent customer service, and I would like for my account to be updated correctly.
Consumer complaint received 2024-05-23
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)

there are a series of unauthorized Inquiries on all 3 of the credit reporting companies. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, I want these inquiries deleted.
Consumer complaint received 2024-06-27
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. (LA)

I have collections and inquiries on my credit report that I have no ties to and need them removed as soon as possible. I have Collections XXXX XXXX XXXX XXXX {$760.00} XX/XX/XXXX Inquiries XXXX XXXX XXXX XX/XX/XXXX XXXX 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 XX/XX/XXXX
Consumer complaint received 2024-06-22
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (MD)

I am a victim of Identity theft. I never opened this account. I do not recognize this account at all. 

Columbia debt recovery {$120.00} XXXX XXXX XXXX {$190.00}
Consumer complaint received 2024-09-11
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. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XX/XX/2024 Consumer Financial Protection Bureau Subject : Complaint Regarding Reinsertion of Previously Deleted Information in Credit Report Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint regarding the reinsertion of information that was previously deleted from my credit report. This action violates Section 611 ( B ) of the Fair Credit Reporting Act ( FCRA ), which clearly outlines the procedures and requirements for such reinsertion. 
Details of the Complaint : - **XXXX  XXXX XXXX - XXXX - **Social Security XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX **Background : XXXX On XX/XX/2024, TRANSUNION deleted the following information from my credit report : COLLECTION REMOVED. This deletion was based on COLLECTION ACCOUNT WAS REMOVEDFROM YOUR CREDIT REPORT. 
**Reinsertion Incident : ** Despite the clear provisions under Section 611 ( B ) of the FCRA , which require a creditor or information furnisher to notify me in writing of their intent to reinsert any deleted information, I recently discovered that [ Name of Credit Bureau ] has reinserted the previously deleted information mentioned above. However, I did not receive any prior written notice regarding this reinsertion. 
**Impact : ** This reinsertion has adversely affected my credit standing and financial reputation. It has potentially harmed my ability to obtain favorable terms on loans, credit cards, and other financial products. 
**Request for Resolution : ** In accordance with the FCRA, I request the following actions to be taken : 1. Conduct a thorough investigation into the reinsertion of the deleted information in my credit report.

2. Ensure that TRANSUNION complies with the notification requirements outlined in Section 611 ( B ) of the FCRA.

3. Correct my credit report by removing the reinserted information promptly.

**Supporting Documents : ** Enclosed with this complaint are copies of relevant documents, including : - Copies of correspondence with TRANSUNION regarding the original deletion.

- Copies of my current credit reports highlighting the reinserted information.

- Any other supporting documents deemed necessary to investigate this matter.

**Contact Information : ** Please feel free to contact me at the above address or by phone at XXXX should you require any further information or clarification regarding this complaint. 
I appreciate your prompt attention to this matter and look forward to your swift resolution. Thank you for your assistance in protecting consumer rights under the FCRA. 
Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

Company : XXXX XXXX Product/Service : Personal Installment Loan Issue : Debt collection, Credit reporting Details : I am writing to submit a complaint against XXXX XXXX for their inaccurate credit reporting and debt collection practices. Despite my previous disputes and requests for validation, XXXX XXXX  has failed to provide adequate evidence to support the debt. 

XXXX XXXX XXXX response on XXXX XXXX, 2024, failed to address my concerns and provided contradictory information. They claimed to have investigated the matter, but their investigation was inadequate. They failed to provide any evidence to support the debt, and their response raised new questions about the ownership and status of the loan. 

I dispute the debt reported by XXXX XXXX to the credit bureaus, as I do not owe this debt. XXXX XXXX has failed to investigate my dispute and has continued to report inaccurate information to the credit bureaus. I request that the CFPB take immediate action to : - Investigate XXXX XXXX 's credit reporting and debt collection practices- Require XXXX XXXX to correct the inaccurate information reported to the credit bureaus - Hold XXXX XXXX accountable for any violations of federal law Additional information : - Account Number : unknown - State : XXXX  Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-05-23
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. (LA)

I understand the importance of removing any inaccurate information from my credit report in accordance with FCRA 605B. Could you please review the documents? I've noticed discrepancies in several accounts, which is concerning to me.
Consumer complaint received 2024-02-07
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (NY)

Delete the accounts now I never owed these debts, and reporting them without my consent is unacceptable. I provided my new address, yet the debtors quoted my old one when contacted. Your non-compliance is unacceptable, and I demand an immediate resolution. Comply promptly, or I'll take further action.
Consumer complaint received 2024-01-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX XXXX XXXX XXXXXXXX Balance : {$800.00}.
Consumer complaint received 2024-05-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I've learned that the creditor didn't provide the necessary 21-day notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.
Consumer complaint received 2024-01-25
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. (LA)

I submitted a dispute about inquires, false information, and non-mailable addresses that are not mine. I want every inquiry on my report deleted. I didn't authorize them and they can't prove I did. So they are reporting false information that they can't verify. And I have one address, one phone number, and y name is spelled one way. I've provided those items so I want anything other than what is correct to be deleted immediately. And I'm opting out of any reporting without my written consent.
Consumer complaint received 2024-09-11
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)

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 Human Trafficking debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within XXXX 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 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( XXXX ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Consumer complaint received 2024-05-22
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. (NJ)

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 2024-05-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

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 : XXXXXXXX XXXX Account XXXX Account Name : XXXXXXXX XXXX XXXXXXXX Account 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 2024-05-22
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. (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. 

Account Name : XXXX Account NumberXXXX Account Name : XXXX  Account Number:XXXX Account Name XXXX XXXX XXXX  Account NumberXXXX Account Name XXXX XXXX XXXX  Account NumberXXXX Account Name : XXXX XXXX XXXX  Account NumberXXXX 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 2024-05-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I've made sure to always pay this account on time, never letting payments be overdue. I'm unsure why there are late payment remarks reported on my accounts. According to 15 USC 1666b, billing errors should be corrected.
Consumer complaint received 2024-05-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I urge you to promptly remove this late payment from my account, as it does not accurately reflect my payment history. I have consistently made timely payments, and it is unacceptable to have this erroneous entry listed. Please update my account promptly.
Consumer complaint received 2024-05-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have never let payments on this account become overdue, always ensuring they are on time. I'm uncertain about the cause of the late payment reports on my accounts. As stated in 15 USC 1666b, the billing error should be addressed.
Consumer complaint received 2024-05-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WV)

XXXX, and Trans Union, On XX/XX/year> you XXXX, yet again sent me another ID request sheet. 

As well onXXXX you Trans Union , yet again sent me another I D request sheet. 

I'm done with the whole ID game, For XXXX  years now you've played games with my livelihood. At this point you are now playing games with the livelihood of my company. 

Please allow me to reference CFPB complaint number XXXX Where on XX/XX/year> I sent you copies of my West Virginia State ID and my Social Security card. Directly to you through the cfpb platform. 

This shows willful intent on your part to harm the very natures of my personal and business endeavors. 
Thank you for the additional evidence. 

Have a good day LKiko
Consumer complaint received 2024-08-23
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: Fidelity National Information Services, Inc. (FNIS) (WA)

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Chexsystems and XXXX credit XXXX XXXX XXXX XXXX information appearing on my Chexsystems and XXXX 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 information that was not by me on opened XX/XX/scrub>XXXX XXXX XXXX under the account number XXXX ). This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX and Chexsystems 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 account as result in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. The aforementioned accounts, collections and hard inquiries in question and maintained by you were not opened, made, or initiated by me. All the aforementioned accounts, collections and hard inquiries are the result in identity theft and fraud. I attached a copy of FTC Identity Theft Criminal Complaint 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 2024-08-24
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: EQUIFAX, INC. (PA)

I sent a letter regarding the errors and unfamiliar entries on my credit report, but sadly, I haven't heard back in over 30 days. It seems like my concerns are being overlooked, and I feel taken advantage of. As per Section 611 ( a ), if these issues aren't investigated within 30 days, they should be removed from my credit report without delay. I might need to pursue legal action because of the stress this situation has put me under.
Consumer complaint received 2024-09-11
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: EQUIFAX, INC. (GA)

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.