davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Radius Global Solutions LLC (NJ)

I was ( am ) a victim of identity theft. I have requested an investigation from the bureaus and the company that has now started to report this fraud on my profile Radius Global Solutions XXXX XXXX XXXX XXXX, MN XXXX In addition to my fraud alert request I Have requested Radius Global Solutions provide proof that this account belongs to me.
Consumer complaint received 2024-06-10
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. (TN)

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 2019-06-17
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: Experian Information Solutions Inc. (MO)

These credit reporting agencies are constantly reporting unknown accounts on my credit files, but still relaying on electronic Verification for these accounts inwhich by law does not constitute as proof. In addition these agencies are also using outdated technology that's contributing to the spread of misinformation being passed on and its harmful to consumers and their credit worthiness. My identity has been compromised a few times but the 3 major credit reporting agencies makes it no better. I'm hereby demanding that the credit reporting agencies XXXX  and XXXX remove and block these unauthorized accounts immediately. [ 1 ] XXXX XXXX, [ 2 ] XXXX {$940.00}, [ 3 ] XXXX XXXX XXXX {$1000.00}
Consumer complaint received 2024-06-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

The creditor is reporting XXXX XXXX XXXX as late. The payment for XXXX was made on time and I confirmed with one of their representatives on the phone who told me it was made prior to being 30 days past due. This information is unlawfully being reported on my consumer report as late and as such much be corrected by law.
Consumer complaint received 2024-07-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying computer science, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-06-10
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. (NY)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : XXXX - XXXX, XXXXXXXX XXXX  - XXXX "
Consumer complaint received 2024-06-10
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. (VA)

tracking number : XXXX Date of Discovery : Upon reviewing my Transunion credit report on XX/XX/year>, I discovered several discrepancies in the collection account reported by XXXX XXXX XXXX. ( Amount : {$870.00} ) Discrepancies Identified : Address Discrepancy : The address listed on the collection account does not match the official address registered with the XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

Phone Number Discrepancy : There is a discrepancy in the phone number associated with the collection account. Each credit bureau lists a different phone number for XXXX XXXX XXXX. 

XXXX XXXX : The same collection amount is reported under different names across various credit bureaus, raising doubts about the accuracy and legitimacy of the reported information. 

Failed Attempts to Obtain Original Contract : Despite multiple attempts through phone calls to XXXX XXXX XXXX, I have been unable to obtain the original contract or any proof of the debt. 
Actions Taken : On XX/XX/year>, I contacted XXXX XXXX XXXX via phone to request the original contract and proof of the debt. However, they failed to provide the necessary documentation. 

On XX/XX/year>, I sent a dispute letter to TransUnion, outlining the discrepancies and requesting the removal of the inaccurate collection account from my credit report. 

Impact : These inaccuracies undermine the integrity of my credit report and unfairly impact my creditworthiness. 

Laws Violated : 15 USC 1681i : Failure to properly reinvestigate the disputed account and remove unverifiable information.

15 USC 1681s-2 : Failure of XXXX XXXX XXXX to provide accurate information and to properly investigate the dispute. 
15 USC 1681e ( b ) : Failure of TransUnion to ensure maximum possible accuracy of the information reported. 
I am formally requesting the assistance of the CFPB to ensure that TransUnion and XXXX XXXX XXXX comply with the FCRA and correct the inaccuracies in my credit report. I have enclosed copies of official documents confirming the correct address provided by the State Corporation Commission Clerk 's Information System and other relevant supporting documents for your reference. 

Thank you for your attention to this matter
Consumer complaint received 2024-06-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

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 2024-06-10
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)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX  Account Number : XXXX Account Name XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX INQUIRIES : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-09
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. (IN)

i been the victim of fraud on the accounts that is in question i reach out the burears of all account to help clear me of the account starting with XXXX XXXX XXXX XXXX  2 times a XXXX XXXX  affirm 2 pay tommorow and 2 XXXX XXXX all is down in my name
Consumer complaint received 2024-06-10
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. (MI)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) 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. 
So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 


This is a violation of both 15 U.S. Code 1681b ( XXXX ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 
I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : 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 2023-04-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (IL)

I have been working on my Experian credit profile and I noticed there are incorrect addresses on my report. I am writing to dispute the errors on my credit report. I request that these errors be corrected immediately. Enclosed, please find copies of the relevant documentation that support my dispute, including. Thank you for your prompt attention to this matter. 

The INCORRECT Address that should be deleted are XXXX XXXX XXXX XXXX XXXX, IL XXXX and the following needs to be removed as well, XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX am under the impression that it seems as if a company has taken advantage of obtaining my personal address for their benefit. There is a huge risk of having the incorrect address on my consumer report because this could potentially be identity theft. 

I know that under the following law the CRA has to delete inaccurate information. 1681i. Procedure in case of disputed accuracy section ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under 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; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Lastly, see the below where there must be maximum accuracy and unfortunately they are not practicing this law. 1681e. Compliance procedures Section ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
Consumer complaint received 2024-06-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

I suspected my information had been acquired by a party that might use it for identity theft reasons. I attempted to access my credit reports, and I was able to place a freeze 2/3 credit institutions. 


TransUnion 's online services are abysmal. And the fact that they render the information and protection services " closed '' at the end of a business day ( do the scammers not scam after XXXX PM EST? ) We are not able to access a freeze service or otherwise implement security measures on our own property with a company that has so much influence over the opportunities in our lives? And what happens when someone gains access to this information? XXXX TransUnion recompense those people? 

TransUnion : you enjoy all the privileges and protections of power over all the citizens of this country. The fact that your website is nonoperational alone is UNACCEPTABLE! Not to mention your inability to offer 24/7 assistance to consumers over whom you have so much power and with whom you apparently refuse to work is DOUBLY UNACCEPTABLE!! 

These are reasons scammers and identity thieves are so able to hurt regular people. And of course you take no responsibility or credit.
Consumer complaint received 2023-09-19
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Carmen V. Porreca, P.C. (GA)

Collection company is trying to garnish my pay for a debt I owed XXXX XXXX from 2016. XXXX wrote this debt off and Collection Attorney, XXXX XXXX is trying to garnish me.
Consumer complaint received 2023-04-12
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: Experian Information Solutions Inc. (NY)

Dear Sir/Madam, I am writing to dispute the accuracy of an account listed on my credit report, specifically with regard to an account with XXXX XXXX XXXX account number XXXX. 

Under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C 1692 g, I am requesting that you either validate the account or remove it from my credit report. I do not recognize this account, and I have not received any communication from XXXX XXXX regarding this account. 

According to 15 U.S.C 1692 g, if a consumer disputes the validity of a debt, the debt collector must cease all collection activities until it provides the consumer with written validation of the debt. In this case, I dispute the validity of the account and request that you provide me with written validation of the debt, including the original creditor, account number, dates of activity, and any other relevant information. 

Additionally, I do not recognize how this account is reporting on my credit report, including the account number, balance, or status. None of the information reported here meets the requirements set forth by the FCRA or FDCPA. 

If you can not provide me with written validation of the debt, I request that you remove this account from my credit report immediately. I am exercising my rights under the FDCPA and FCRA to ensure that my credit report is accurate and reflects only valid debts. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-06-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Recently, I reviewed my credit report and found multiple items that caused me significant distress. These items appear to be unverifiable, invalid, inaccurate, and questionable. It is evident that your agency did not ensure these entries were 100 % accurate. 

According to the Fair Credit Reporting Act, all information on my credit report must be completely accurate. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( a ) ( 5 ), these accounts are in violation due to their inaccuracies. 

I am attaching copies of all relevant correspondence for your review. Please address these discrepancies promptly to ensure my credit report reflects accurate information.
Consumer complaint received 2024-06-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report.

1. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXX Account Number : XXXX Please remove it from my credit report. 


2. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


3. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


4. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


5. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


6. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


7. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Consumer complaint received 2024-06-15
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Atlanticus Services Corporation (NM)

XXXX  XXXX XXXX  date open according to XXXX date opened XX/XX/XXXX {$640.00} Loan Type CREDIT CARD ( Fraud not me ) XXXX XXXX ( Fraud not me ) XXXX Date Opened XX/XX/XXXX {$210.00} XXXX/FORTIVA XXXX : {$940.00} Date Opened XX/XX/XXXX XXXX ( Fraud not me ) XXXX XXXX : Balance {$440.00} Date Opened XX/XX/XXXX XXXX XXXX XXXX  ( Closed ) Date Opened XX/XX/XXXX Pay Status >Charge-off< XXXX XXXX XXXX XXXXXXXX {$460.00} Date opened XX/XX/XXXX XXXX XXXXXXXX XXXX Date Opened XX/XX/XXXX Balance {$300.00} XXXX XXXX XXXX  Location XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX Requested On XX/XX/XXXX, XX/XX/XXXX XXXX XXXX Location XXXX XXXX XXXX XXXX XXXXXXXX, NC XXXX Requested On XX/XX/XXXX Phone ( XXXX ) XXXX Inquiry Type XXXX Location XXXX XXXX XXXX XXXX XXXX, MN XXXX Requested On XX/XX/XXXX XXXX XXXX XXXX Location XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Requested On XX/XX/XXXX, XX/XX/XXXX, XXXX/XXXX/XXXX My phone number needs to be off public records too please ( XXXX ) XXXX
Consumer complaint received 2024-04-24
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. (TX)

I'm experiencing distress, dissatisfaction, and stress concerning the updates in my credit report. Some of my accounts have late payment remarks, despite my consistent track record of making timely payments. I did not miss any payments, and I urgently require your assistance to address this issue.