davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXXXXXX, PA XXXX Re : AccountNumber : XXXX I am writing to dispute the validity of the account that has been reported on my credit report. The account in question is a charged-off account that has been reported by XXXX XXXX XXXX.I am disputing this account based on violations of the Metro 2 credit guidelines. According to these guidelines, charges off account should be reported accurately and fairly, an ; d any inaccuracies or violations of these guidelines may result in the account being removed from my credit report.After reviewing my credit report and the information provided by XXXX XXXX XXXX. I have found several violations of the Metro 2 guidelines. These violations include : 1. Last Activity Date inconsistent across Credit Bureaus 2. Remarks inconsistent across Credit Bureaus 3. Time Late inconsistent across Credit Bureaus 4. Month 's Reviewed inconsistent across Credit Bureaus 5. Payment history inconsistent across Credit Bureaus XXXX XXXX XXXX and requested that they remove the account, they refused to do so. I have also included a copy of my previous dispute letter for your reference.Based on these violations, I request that you remove this account from my credit report. I have already contacted you. Please investigate this matter and remove the account from my credit report if you find that it has been reported inaccurately or in violation of the Metro 2 guidelines. 
Thank you for your attention to this matter. Sincerely, XXXX XXXX
Consumer complaint received 2023-11-22
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. (GA)

I am writing to express my deep concern and frustration regarding the ongoing and flagrant violations of the Fair Credit Reporting Act ( FCRA ) by XXXX, a matter that has severely impacted my ability to secure a home loan. Despite my diligent efforts to address and rectify inaccuracies on my credit report, XXXX 's repeated failures to comply with the law have left me unable to proceed with the purchase of a house. 

I am also writing to bring to your attention a persistent and egregious violation of the Fair Credit Reporting Act ( FCRA ) by XXXX, one of the major credit reporting agencies. Despite my repeated attempts to rectify inaccuracies on my credit report, XXXX has failed to comply with the law, specifically outlined in 15 USC 1681. 

I have diligently followed the proper procedures and submitted dispute requests to XXXX on multiple occasions, providing evidence to support the removal of erroneous items from my credit report. However, despite my efforts, XXXX has not only neglected to correct these inaccuracies but has also failed to adhere to the legal framework established by the FCRA. 

According to 15 USC 1681, consumers have the right to accurate and fair credit reporting. The law explicitly states that there should be no damages to a consumer 's credit report that are not substantiated by valid, verifiable information. The persistent presence of inaccurate information on my credit report not only constitutes a blatant violation of my rights but also amounts to defamation of my character, as my creditworthiness is unfairly tarnished. 

I demand immediate and thorough action to rectify this situation. The only acceptable solution is the prompt removal of all collections and inaccuracies from my credit report, in accordance with the law. XXXX must comply with the FCRA and fulfill its obligation to provide consumers with accurate and reliable credit reporting. 

I kindly request that the Consumer Financial Protection Bureau investigates this matter promptly and takes appropriate enforcement action against XXXX for its repeated violations of the FCRA. Additionally, I ask that you keep me informed of the progress and resolution of this complaint.
Consumer complaint received 2024-01-19
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P. (GA)

My credit report states that the account was opened XXXX  and the debt owed is {$180.00}. 
I did not have XXXX  around this time at all. This is completely false and inaccurate.
Consumer complaint received 2023-04-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kirschbaum, Nanney, Keenan & Griffin, P.A. (CA)

On XX/XX/ I received an alert from my XXXX report that I had an inquiry but I knew I didnt authorize anyone to check my credit. A company or law firm named Kirschbaum Nanney Keenangriff checked my credit report without my authorization. I have no affiliation with them. I never authorized them to check my credit. I will be making a formal complaint to the NC state law board.
Consumer complaint received 2023-11-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 

XXXX XXXX XXXXXXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXXXXXX XXXX Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$4000.00} FMILY XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX******** Balance Owed : {$860.00} XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed XXXX {$380.00} XXXX XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX******** Balance Owed : {$860.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX, AL XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX : {$0.00} XXXX XXXX Balance Owed {$310.00} XXXX XXXX  XXXX Balance Owed XXXX {$4000.00} XXXX XXXX XXXX  XXXX Balance Owed : {$380.00} XXXX XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX XXXX Balance Owed XXXX {$0.00} XXXX  XXXX Balance Owed : {$850.00} XXXX XXXX XXXXXXXX Balance Owed : {$860.00} XXXX  XXXX Balance Owed : {$760.00} XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-11-22
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (FL)

I'm disappointed by your claims & am rejecting on the basis that you lack any material fact to support your claim... Please DISPUTE THESE ACCOUNTS! Or I will be seeking a legal remedy from you. Frustration, distress, annoyance, and outright anger. These emotions stem from the painstakingly slow response and the repeated denial of my identity theft claim by your bureau. Let 's be clear ; this situation is nothing short of a nightmare. I've been grappling with unauthorized accounts and transactions, and the toll it has taken on my financial well-being and peace of mind is immeasurable. The emotional rollercoaster I've endured is beyond distressing. 
XXXX XXXX XXXX  FRAUD, PLEASE DELETE!!!! 
If my appeals for prompt action continue to fall on deaf ears, rest assured that I am prepared to take legal action to ensure justice prevails. I won't hesitate to involve an attorney to hold your bureau accountable for the repeated denials, the harm to my reputation, and the emotional turmoil this ordeal has inflicted upon me. I expect a written acknowledgment of this dispute letter and a clear commitment to investigate my identity theft claim promptly. My emotions may be running high, but my determination to resolve this matter is even stronger.
Consumer complaint received 2023-11-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

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

Account Name : XXXX XXXX XXXX  Account XXXX 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 2023-11-22
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. (IL)

When I reviewed my credit report, I discovered that some of the information was erroneous. 
The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/2023 XXXX XXXX XXXX XXXX  XXXX Balance : {$1800.00}.
Consumer complaint received 2023-11-23
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)

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XXXX  XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XX/XX/2022
Consumer complaint received 2023-11-23
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. (CA)

A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct the following 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
Consumer complaint received 2023-11-22
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 am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2023-11-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

Kindly delete these unauthorized accounts from my credit report. I haven't opened them, and I'm unaware of their origins. As per USC 1681g, I request their removal within the next 15 days. I've attached the relevant documents for your reference.
Consumer complaint received 2023-11-22
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. (AZ)

To whom it may concern ; Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by Equifax Data Breach here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 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. 

The following items need to be removed and blocked as they are fraudulent. 

XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 
XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. 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 2023-10-27
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. (FL)

I value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still items to be fixed. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-22
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. (NJ)

In accordance with the Fair Credit Reporting Act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under the 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 section 602 A states I have the right to privacy. 
15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish accounts without my written instructions.

15 U.S. Code 1681a - Definitions ; rules of construction - Exclusions.Except as provided in paragraph the term " consumer report '' does not includ any report containing information solely as transactions or experiences between the consumer and the person making the report 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2023-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I noticed a few unauthorized inquiries on my XXXX credit report pertaining that I would like removed regarding the following : Capital One Inquiry Date : XX/XX/XXXX I contacted the company on XX/XX/XXXX. They could not assist me with removing the inquiry being that I did not have an open account with them. 

XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX I contacted the company on XX/XX/XXXX. They could not assist me with removing the inquiry being that I did not have an open account. 

XXXX - XXXX XXXX XXXX Date : XX/XX/XXXX I contacted the company on XX/XX/XXXX. They could not assist me with removing the inquiry being that I did not have an open account. 

XXXX XXXX XXXX XXXX Date : XX/XX/XXXX I contacted the company on XX/XX/XXXX. They could not assist me with removing the inquiry being that I did not have an open account. 

XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX I contacted the company on XX/XX/XXXX. They could not assist me with removing the inquiry being that I did not have an open account. 

XXXX XXXX XXXX Date : XXXX XXXX, XXXX The company stated that I would need to contact the credit bureaus.
Consumer complaint received 2023-11-22
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. (CA)

I am writing to address the unresolved issue concerning unauthorized hard inquiry that persists on my credit report. Despite my initial dispute, I find it disconcerting that I have yet to receive any form of acknowledgment or communication confirming the removal of this unwarranted inquiry from my credit profile. 

XXXX - XX/XX/2022
Consumer complaint received 2024-01-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC. (TX)

i RECENTLY BECAME AWARE OF UNATHORIZED FRADULENT ACCOUNTS. WITH NO PROOF OF ORIGINAL LENDERS OR SIGNED CONTRACTS. FEDERAL BROKEN LAWS OF 15 US 1681 " PERMISSIBLE PURPOSE '' PERSONAL INFORMATION USED WITHOUT CONSENT.
Consumer complaint received 2023-11-22
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 have been disputing a identity theft/fraudulent accounts on my credit. I have provided documentation that the account ( s ) was due to fraudulent activities. I filed a FTC report and gave my report number for proof. I was told once the FTC report was filed that the items would be deleted. Months later those items are still reflecting my credit and the bureaus are refusing to delete those items. In addition, I am XXXX ( SSD ), I have NO drivers license and Im partially XXXX
Consumer complaint received 2023-11-22
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. (FL)

I am writing to dispute several hard inquiries that have been listed on my credit report. I have reviewed my credit report and have found several inquiries that I did not authorize or have knowledge of. These inquiries are negatively impacting my credit score and are causing me significant financial harm. 

The fraud inquiries are the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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: Experian Information Solutions Inc. (NV)

I submitted a letter to the 3 Credit Bureaus last XX/XX/2023, to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX {$1300.00} ; XXXX XXXXXXXX XXXX {$0.00} ; XXXXXXXX XXXX XXXXXXXX Balance {$2500.00} ; XXXX XXXX XXXX Balance {$28000.00} XXXX XXXX XXXXXXXX Balance {$16.00} ; XXXX XXXX XXXX XXXX XXXX Balance {$15000.00} ; XXXX XXXX XXXX XXXX XXXX Balance {$810.00} ; XXXX XXXX XXXX XXXX XXXX Balance {$36000.00}.
Consumer complaint received 2023-11-22
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. (FL)

In these accounts that contain late payments, incorrect information has to be reviewed and eliminated. This is incorrectly reported under my name and affects me too much. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Incorrect XXXX XXXXXXXX XXXX - Incorrect XXXX XXXX - Incorrect XXXX, XXXXXXXX XXXX - Incorrect
Consumer complaint received 2024-04-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

The information reported in my credit reports contains inaccuracies that have misrepresented me to new creditors reviewing my credit applications. 
These discrepancies in the reported data are causing confusion and contradictions. Consequently, I request the correction of these inaccuracies and the removal of the incorrect items from my credit reports.