davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Complaint Regarding Credit Report Inaccuracies Dear CFPB, I am writing to file a complaint regarding inaccurate information on my credit report. I have been actively disputing these inaccuracies with the credit bureaus, but they have failed to adequately investigate my claims or remove the incorrect information. In accordance with the Fair Credit Reporting Act. I attached the PDF file below containing the list of items that have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Credit Bureau stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify or delete accounts that aren't reporting correctly.

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 tha
t the information is inaccurate.

I also believe that the credit bureaus have violated the Fair Credit Reporting Act ( FCRA ) by failing to : 1. Investigate my disputes in a timely and reasonable manner : The credit bureaus have not provided a clear explanation for their decision not to remove the inaccurate information, and I believe their investigation was inadequate.

2. Furnish accurate information to creditors : The inaccurate information on my credit report is harming my ability to obtain credit and other financial services.

3. Follow the FCRA 's dispute resolution procedures : The credit bureaus have failed to comply with the timeframes and procedures outlined in the FCRA.

I am requesting that the CFPB investigate my complaint and take the following actions : 1. Order the credit bureaus to remove the inaccurate information from my credit report.

2. Require the credit bureaus to provide me with a copy of my updated credit report reflecting the changes.

Enclosures : Copies of my credit reports Copies of my dispute letters Copies of any supporting documentation I provided to the credit bureaus
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: EQUIFAX, INC. (VA)

Despite our previous correspondence, it appears that the fraudulent items have not yet been removed, and the issue remains unresolved. This situation is deeply concerning and requires immediate attention to prevent any further damage or financial loss. 

As I have emphasized before, the presence of these fraudulent items not only compromises the security of my account but also undermines the trust and confidence I have in our business relationship. 

I urge you to take swift and decisive action to remove the fraudulent items from my account without any further delay. Additionally, I request that you provide me with a detailed update on the steps being taken to investigate the source of these unauthorized charges and prevent similar incidents from occurring in the future. 

Given the sensitive nature of this matter, I expect a prompt response and resolution from your end. Please prioritize this issue and ensure that it is handled with the utmost urgency and professionalism. With this, I am asking for your assistance to remove these fraud items in my credit 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 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 2024-04-02
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. (OH)

According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. Under 15 U.S. Code 1681i, Paragraph ( 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 The following inquiries are unauthorized CERTIFIED CREDIT XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings (IN)

My girlfriend and I both received identical letters ( attached below ) from I.Q. Data International , INC via USPS stating that we owe {$690.00} to XXXX ( XXXX  ). Knowing that this debt does not belong to us, I composed a debt verification letter ( attached below ) requesting verification of this debt with proper documentation. After checking the box indicating that we are disputing this debt, I returned the initial letter along with the debt verification letter to I.Q. Data International via certified mail. I utilized certified mail to ensure that I would receive notice upon delivery ( attached below ). Under federal law, I.Q. Data International is required to provide us with documentation verifying this debt within thirty days after receiving our request. They received the debt verification letter on XX/XX/XXXX This can be verified by the signed return receipt, which I have attached below. Because they failed to respond I assumed that they were unable to validate the debt and therefore, I considered this matter closed. However, my girlfriend continues to receive multiple phone calls a day, during which they attempt to bully her into paying this debt immediately. They have also wrongfully sent our debt to credit report agencies which has negatively affected our credit scores. After reviewing the steps we have taken, I suspect their actions violate our rights under federal law. Along with this complaint I will also be filing complaints through my state attorney general as well as the Federal Trade Commission. We do not wish to press charges against I.Q. Data International, although we are certain their actions would justify it.
Consumer complaint received 2023-09-02
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)

I have notice there was an unauthorized account reported on my consumer report. I have reach out to XXXX XXXX ( XXXX XXXX  XXXX ) and also reached out to XXXX about my concerns about the following account which is XXXX XXXX ( XXXX XXXX  XXXX ) account XXXX agency has furnished this account that is Identity theft after I have contacted your agency about this matter according to FCRA I am entitled to monetary compensation 15 U.S. Code 1681c-2 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. It has been over 30 days and you are in VIOLATION of this law because I am a victim of identity theft Please delete these items IMMEDIATELY.
Consumer complaint received 2022-12-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NJ)

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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-10-31
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 federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : 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 XXXX XXXX XXXX XXXX 15 U.S.C , 1681section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-02-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit reporting act XXXX XXXX XXXX XXXX # 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 a account without my written instruction.
Consumer complaint received 2024-04-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.
Consumer complaint received 2023-12-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making thXXXX report is NOT included on the consumer reports. Yet XXXX is reporting this information.. The reporting of excluded information pursuant to XXXX5USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of XXXX compliance. Provide me with the XXXX compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated ', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IXXXX XXXXorm XXXX Cancellation XXXX Debt. XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file XXXX form XXXX : XXXX XXXX AND XXXX XXXXorm XXXX : Application For Award For Original Information Overview with the XXXX XXXX XXXX against ALL entities involved.
Consumer complaint received 2023-12-07
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. (IL)

I found the following improper hard inquiries on my credit reports. Specifically, there are duplicate hard inquiries for pre-approved mortgages : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX There are duplicate hard inquiries for pre-approved car loans : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX There are unnecessary hard inquiries for pre-approved credit card applications : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX
Consumer complaint received 2018-02-22
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (WY)

My credit report has been perfect for over 10 years. Out of no where I got 2 collections : Opened XX/XX/XXXX ( 3 mos ) by XXXX Amount : {$74.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX +++ Opened XX/XX/XXXX ( 4 mos ) by XXXX  {$62.00} XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX I always paid on-time in-full and cancelled or stopped the service promptly. There is no reason why this should have occurred. Someone fraudulently just reported these charges or the Company did not close out my account properly.
Consumer complaint received 2023-08-31
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)

I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.
Consumer complaint received 2024-04-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CO)

XXXX knows I made payments in XXXX and XXXX for XXXX the argument was no credit impact. I tried to dispute this. I gave the confirmation payment number. I spoke to XXXX with aspire at XXXX at there cumster service number at XXXX. There still reporting it late and over. I can provide bank statements. If needed.
Consumer complaint received 2023-09-02
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA (MI)

I submitted my PSLF in XX/XX/XXXX to XXXX. I was told I had 4 months left to pay on my loans until forgiveness. I paid until XX/XX/XXXX and re-submitted my PSLF to XXXX. I gave them a month or XXXX but didn't hear anything about it so I tried calling them a few times. I was told 'another department handled those ' when calling and was transferred but either was hung up on somehow or no one answered at that number. 

I was then told MOHELA had my account. I did not want any confusion with the XXXX XXXX 's I turned in so I called and talked to a gentleman representative around XX/XX/XXXX and explained why I had XXXX XXXX submitted in XX/XX/XXXX and the other in XX/XX/XXXX. He put a note in so no one would get confused and knew why they were in there. He let me know my forgiveness would take XXXX business days. I waited XXXX business days and did not see any communication in my online account/portal with them so I had no clue where it was in the process. 

I called in XX/XX/XXXX and was told my XX/XX/XXXX XXXX had been marked as a duplicate despite the note the lady saw clearly in the system that states otherwise and had not been processed. I was told that even though it was their fault/mistake I had to wait ANOTHER XXXX business days and she put another note in there not to mark it as a duplicate. 

In XX/XX/XXXX I called about my PSLF again ( also no clear indication in my online account/portal that they were doing anything with my forgiveness or where it was in the process ) and was told by the same lady who took my call in XXXX that it was AGAIN marked as a duplicate and my forgiveness was again not processed. She told me they now had a XXXX business day policy to expedite the forgiveness when it is their fault. She assured me it would be completed in that time. 

It has been over 2 months and still no word about my forgiveness at all. I was sent a 'sorry we may have messed up your forgiveness here is XXXX for the inconvenience ' letter from XXXX but nothing from them since that. During all this time I had also sent messages through my online account to MOHELA trying to get answers but no answers or forgiveness ( plus they seem to have turned off my ability to send messages or hidden it really well since I last sent them since I no longer can do so ). 

I have also tried to complain to the department of education about this twice the first time they had told me the last XXXX form reported to them was in XXXX. I wrote back stating that both FedLoans and MOHELA stated they had both my XX/XX/XXXX and XX/XX/XXXX XXXX and I wasn't sure why either had not updated them with this information. I have yet to hear back from them on the 2nd email. 

Can someone please help me to get my PSLF from these companies that seem to be purposely denying it?
Consumer complaint received 2024-04-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (GA)

I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.
Consumer complaint received 2023-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (SC)

This is 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 2023-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Transunion, remove XXXX XXXX from my credit report for inaccuracies. You said it was last active in XX/XX/XXXX  while XXXX said it was last active in XX/XX/XXXX  and XXXX said it was last active in XX/XX/2023. Remove immediately this account as it is inaccurate. Keeping it on my report will be a violation of the FCRA!
Consumer complaint received 2023-12-27
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)

Complaint Regarding Credit Report Inaccuracies Dear CFPB, I am writing to file a complaint regarding inaccurate information on my credit report. I have been actively disputing these inaccuracies with the credit bureaus, but they have failed to adequately investigate my claims or remove the incorrect information. In accordance with the Fair Credit Reporting Act. I attached the PDF file below containing the list of items that have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Credit Bureau stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify or delete accounts that aren't reporting correctly.

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.

I also believe that the credit bureaus have violated the Fair Credit Reporting Act ( FCRA ) by failing to : 1. Investigate my disputes in a timely and reasonable manner : The credit bureaus have not provided a clear explanation for their decision not to remove the inaccurate information, and I believe their investigation was inadequate.

2. Furnish accurate information to creditors : The inaccurate information on my credit report is harming my ability to obtain credit and other financial services.

3. Follow the FCRA 's dispute resolution procedures : The credit bureaus have failed to comply with the timeframes and procedures outlined in the FCRA.

I am requesting that the CFPB investigate my complaint and take the following actions : 1. Order the credit bureaus to remove the inaccurate information from my credit report.

2. Require the credit bureaus to provide me with a copy of my updated credit report reflecting the changes.

Enclosures : Copies of my credit reports Copies of my dispute letters Copies of any supporting documentation I provided to the credit bureaus