davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-26
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)

PLEASE BLOCKED AND REMOVED I firmly demand the removal of these inaccurate accounts from my credit report, as I never authorized their use. It is imperative that you expeditiously erase this misleading information from my records.
Consumer complaint received 2024-01-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX 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 a account without my written instructions
Consumer complaint received 2024-01-15
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: EQUIFAX, INC. (OH)

I'm struggling to remove these fraudulent inquiries from my consumer report. They aren't related to me, and I'm not accountable for them. Dealing with these has been incredibly stressful, affecting me both mentally and financially. As a victim of identity theft, I'm considering legal action if this issue isn't resolved appropriately. These inaccurate and fraudulent entries on my credit report have prevented me from purchasing the house I've always wanted and addressing my family 's needs, causing significant financialhardship.
Consumer complaint received 2024-01-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (DC)

XXXX XXXX XXXX XXXX XXXX XXXX Washington DC, XXXX XXXX ( XXXX ) XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX 'S CLUB XXXX XXXX XXXX XXXX, GA XXXX XXXX : XXXX OF CREDIT INQUIRIES- XXXX XXXX 'S Dear Equifax XXXX XXXX XXXX XXXX & XXXX XXXX This XXXX XXXX XXXX XXXX official request under Section XXXX of the Fair Credit Reporting Act ( FCRA ), Title XXXX, XXXX Code, and Section XXXX XXXX the Electronic Communications Privacy Act ( ECPA ) regarding disputes related to XXXX inquiries made by XXXX Federal SYNCB/SAM 'S XXXX & Equifax XXXX XXXX XXXX XXXX XXXX credit report XXXX We would like to bring to your attention multiple hard and soft inquiries. The XXXX Code that relates to fraudulent inquiries is Title XXXX, Chapter XXXX, Subchapter VI, Section, Section XXXX ( c ) of the Fair Credit Reporting Act, which states that a consumer reporting agency shall not furnish information about to any person if the consumer 's file contains any statement that such person has not furnished the information to the consumer 's knowledge and consent. Additionally, the XXXX prohibits any person from knowingly and willfully obtaining or using false or misleading information for any fraudulent purpose. So, in summary, we request you to investigate any suspected fraudulent inquiries made on XXXX XXXX 's credit report and take appropriate action against the parties responsible. Also, ensure that all inaccurate and fraudulent information is removed from his credit report and that appropriate steps are taken to prevent such occurrences in the future. Thank you for your prompt attention to this matter. 

List of inquiries that needs to be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX PRIVACY LAW OF XXXX States that The Privacy Act of XXXX, as amended, XXXX U.S.C. XXXX, establishes a code of fair information practices that governs the collection, maintenance, use, and dissemination of information about individuals that is maintained in systems of records by federal agencies. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-01-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

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. 

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 2023-08-08
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. (MA)

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 XXXXXXXX XXXX XXXXXXXX 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 2023-07-23
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. (IN)

I DID NOT CONSENT TO, OR AUTHORIZE NOR BENEFIT FROM ANY OF THE FOLLOWING INQUIRIES. PLEASE BLOCK AND REMOVE IT. 
XXXX Date of Inquiry XX/XX/2023, XXXX  Date of Inquiry XX/XX/2023, XXXX XXXX XXXX Date of Inquiry XX/XX/2023, XXXX  Date of Inquiry XX/XX/2023, XXXX XXXX Date of Inquiry XX/XX/2023 & XXXX XXXX Date of Inquiry XX/XX/2023
Consumer complaint received 2024-08-03
Product: Prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: FISERV INC. (CA)

I am writing in regards to the response to an existing complaint I filed against Money Network ( XXXX ). I called and spoke to a representative at CFPB who advised me to start a new complaint. 

The response letter from Money Network should not be an acceptable response since it is verifiably false. The response letter includes the full account and routing number of the bank where the fraudulent transfer was sent, and STATES THAT THE ACCOUNT BELONGS TO ME ( XXXX XXXX ). 

Using the account and routing number provided to me in Money Network 's response letter, I found the account was a XXXX XXXX account. I contacted XXXX XXXX who said the account in question is not in my name and never has had any association with me. 

XXXX XXXX provided XXXX different letters stating that the account which Money Network claims is in my name, is NOT in my name and never has been. The second letter also makes reference to the {$3500.00} transfer. This is all new information I was able to obtain after receiving the CFPB response letter from Money Network since that letter included the full account and routing number of the bank in question. I did not have that information prior to receiving the CFPB response letter from Money Network.

I believe Money Network should be required to provide a response to this matter which is at least truthful and accurate, and address the issue by refunding my money since this is quite clearly fraud. 

I was asked by a CFPB representative to only include the new information pertaining to this case, but I can gladly provide all of the information that was included in the original complaint again.
Consumer complaint received 2024-01-15
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)

I'm unfamiliar with this Inquiry and have requested Equifax to remove it due to identity theft. Despite my efforts and a filed complaint, Equifax hasn't taken action. Seeking your help to have XXXX  # XXXX confirm no association and facilitate the removal from my credit record. 
XXXX # XXXX
Consumer complaint received 2024-04-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.
Consumer complaint received 2024-01-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PA)

Hello My name is XXXX XXXX I reviewed my consumer reports and noticed that i had one late payments on an account that i was never late for. The 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 accounts that i haveincluded screenshot inside this complaint in on dates of ( XX/XX/2023 ). 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 paid as agreed on time as they should be due to the fact i was never late.
Consumer complaint received 2024-01-15
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: EQUIFAX, INC. (NC)

I just checked my credit report and notice some inquiries that I didn't recognize. I believe I was a victim of fraud. I am distress and this matter as affected me from getting access to different forms of credit. Please help me to delete this fraudulent activity in my credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-01-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

Hello, I have recently noticed fraudulent activity on my credit reports. What I have found, has led me to believe I may be a victim of identity theft, as I did not approve any information to be used in my name. I am requesting that these fraudulent items be deleted from my credit report at your earliest convenience. I actually have a security freeze on my accounts which should have alerted me prior to my credit being ran. I did not receive any notification or alert to my credit being ran for these accounts which is concerning. These fraudulent items are reporting inaccuracies which is directly impacting my relationships with creditors as I am going through the home buying process. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit in regards to this incident. In addition, I have attached a PDF document reflecting all items that were found. PLEASE REMOVE THE FOLLOWING ACCOUNTS AND INQUIRIES ASAP. 

XXXX XXXX XXXX XXXXXXXX {$500.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$1000.00} XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX {$5000.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$1000.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$7000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX INQURIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-03
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Community Health Investment Company, LLC. (IN)

Professional Account Services , Inc has repeatedly contacted me via phone. I do not have the exact dates and times on hand. I can spend the time to get them if needed. I have asked them several times to send a verification of debt to address on file and not to contact me until this has been done. They have not sent the verification and continue to call over and over. During the last call I have answered on my cell phone, the representative failed to verify my identity, nor did she state that this was an attempt to collect a debt before blasting right into disclosing the debt, who it as with and who it was for. As of today, this same agent called my work phone number and asked the front desk to be transferred to my extension. She once again failed to verify my identity and failed to disclose that this was an attempt to collect a debt. I asked her to send me to a manager. When I asked her name, she refused to give it to me. A person named XXXX XXXX answered the transferred call. I explained this situation to him and told him it has been incredibly frustrating to deal with the harassing phone calls, refusal to verify the debt, and poor debt collection quality.
Consumer complaint received 2024-04-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc (NY)

On XXXX XXXX XXXXsomeone stole two amounts from my account. XXXX and XXXX which was taken from my account by transfer to pay anyone name was XXXX XXXX. I do not know this person. I filed a police report and sent them a copy. On XX/XX/2024 at XXXX they adjusted XXXX and again at XXXX XXXX. So at this point my account is XXXX then at XXXX the deposited XXXX then XXXX. So basically I was back to the XXXX. Then I call them and explain their mistake. They say they can see the problem and have been giving me the run around ever since after 10 hours on the phone and me being placed on hold and the call drops like over twenty times I have reached out to you. Just called today and they say wait three more business day yet again. Today is XXXX XXXX.
Consumer complaint received 2024-01-15
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. (IN)

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint regarding an issue I have encountered with the following accounts : XXXX - XXXX XXXX - XXXX XXXX - XXXX as reported on my credit report. I had previously sent these account for validation, and despite being returned as " accurately reporting, '' I still believe that the information is incorrect and that there was no proper proof of debt validation provided. 

Here are the details of my complaint : Inaccurate Reporting : The information related to the following accounts on my credit report is inaccurate. I have thoroughly reviewed the details, and I am certain that there are discrepancies that need to be addressed. The inaccuracies adversely affect my credit score and financial standing. 

Validation Request : I had submitted a request for debt validation to the listed accounts in accordance with my rights under the Fair Debt Collection Practices Act ( FDCPA ). However, the response I received did not provide satisfactory proof of the debt 's validity. The lack of proper validation documentation raises concerns about the accuracy of the reported information. 

Impact on Credit Score : The inaccurate reporting of this account has had a significant negative impact on my credit score, affecting my ability to secure favorable terms on loans and credit. It is crucial that the inaccuracies be corrected promptly to restore the accuracy of my credit report. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action to rectify the inaccuracies in the reporting of the above listed accounts. I also request that the bureau ensure proper validation of the debt in question. 

Enclosed with this complaint, please find copies of relevant documents, including my original validation request for each account. 

Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will act promptly to address these concerns and work towards resolving this issue. 

Sincerely,
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: AMERICAN EXPRESS COMPANY (CA)

On XX/XX/year>, I contacted AMX and was told that my application had been denied due to previous account being canceled. However this account information is from XXXX  years ago. It seems like this information is beyond the statute of limitations and should not effect my current credit worthiness.
Consumer complaint received 2024-01-14
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

RE : Investigation Request to Delete Credit Inquires To whom it may concern, In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to challenge questionable information that I have found on my personal credit report. I do not recognize the information listed below and request that you investigate the source of these accounts and ascertain that the creditor had a permissible purpose, and is able to verify my complete file information including full name, address, date of birth and SSN #. 

INCORRECT ACCOUNT INFORMATION The accounts below are reporting incorrectly please investigate these : XXXX. XXXX XXXXXXXX XXXX Account number : XXXX Reason for removal : In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to challenge questionable information that I have found on my personal credit report. I do not recognize the information listed below and request that you investigate the source of these accounts and ascertain that the creditor had a permissible purpose, and is able to verify my complete file information including full name, address, date of birth and SSN #. 

XXXX XXXX XXXX XXXX are wrong. 

INCORRECT CREDIT INQUIRIES I am disputing the following inquiries which I did not authorize : XXXX XXXX XXXX XXXX XXXX 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 2024-01-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or 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.