davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-11
Product: Credit card — General-purpose credit card or charge card
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. (LA)

Timely payments on this account have always been my priority, preventing any occurrences of overdue payments. I'm unclear as to why there are reports of late payment remarks on my accounts. According to 15 USC 1666b - Billing Error, corrections are mandated.
Consumer complaint received 2024-04-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TN)

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 XXXX 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 2024-04-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (CA)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report :
Consumer complaint received 2024-04-11
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)

Today, I'm reaching out to address a pressing issue of identity theft that has negatively impacted my credit report. After filing a report with the Federal Trade Commission that is essential. According to the Fair Credit Reporting Act ( FCRA ), Section 605B, credit reporting agencies are obligated to eliminate any entries identified in an identity theft report, in this case, report # XXXX. Enclosed, you'll find pertinent documents to aid in the eradication of these inaccurately reported items. The following is a list of accounts opened without my consent : XXXX XXXX XXXX Original Creditor : XXXX ) XXXX Balance : {$310.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$610.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1300.00} XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX Balance : {$4500.00} XXXX XXXX XXXX XXXX XXXX : XXXX XXXX ) XXXX Balance : {$1300.00} XXXX XXXX XXXX Balance : {$1300.00}. XXXX XXXX XX/XX/2023 XXXX XX/XX/2023. Per FCRA Section 605B ( a ), it's mandated that credit reporting agencies remove any such disputed entries promptly, within four business days following the receipt of the complaint.
Consumer complaint received 2023-07-28
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: EQUIFAX, INC. (IL)

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, IL XXXX XX/XX/2023 Subject : Dispute of Inaccurate Information per 15 USC 6802 & 15 USC 1681-c-2 Dear Consumer Relations Department, I hope this letter finds you well. I am writing to formally dispute certain information contained in my consumer report as provided by your company. According to the provisions of 15 USC 6802 and 15 USC 1681-c-2, I have the right to request the accuracy and validity of the information being reported about me. 
I recently obtained a copy of my consumer report from your agency and found some inaccuracies that require your immediate attention. The discrepancies pertain to the following items : XXXX XXXX - XXXX : Account # XXXX {$2400.00} This is not my account, unfamiliar with such account Please Remove Account Due To Permissible Purpose 15 USC 1681b I must emphasize the significance of having accurate consumer reports, as they play a vital role in determining various aspects of my financial life, such as loan approvals, interest rates, and job applications. These inaccuracies have the potential to adversely impact my creditworthiness and financial standing, which is why I request your immediate attention to rectify these errors. 
Per the Fair Credit Reporting Act ( FCRA ) and the Gramm-Leach-Bliley Act ( GLBA ), it is the legal obligation of consumer reporting agencies to conduct a reasonable investigation upon receiving a dispute regarding the accuracy of information in a consumer report. I hereby request that you initiate a thorough investigation into the disputed items mentioned above. 
During your investigation, I kindly request that you verify the accuracy of the disputed information with the original creditor or data furnisher. 
Promptly update my consumer report with the correct and accurate information. 
Provide me with a written statement of the investigation results and any changes made to my consumer report. 
Please be aware that as of the date of this letter, it has been 65 days since my last letter, and I have not received any response from your agency regarding the investigation. This lack of response is in violation of the FCRA, which requires consumer reporting agencies to respond to disputes within 30 days. 
As such, I urge you to expedite the investigation and provide me with the results as soon as possible. Failure to comply with the FCRA 's timeline for investigating disputes may result in legal action. 
I have enclosed copies of relevant documents that support my claim. Additionally, I request that you inform all parties that have received my consumer report within the past [ number of months ] about the corrections made as a result of this investigation. 
I expect your prompt attention to this matter to ensure the accuracy of my consumer report. Your cooperation in this dispute is greatly appreciated, and I trust that you will handle this matter with the utmost professionalism and expediency.
Consumer complaint received 2024-04-11
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)

Today, I'm reaching out to address a pressing issue of identity theft that has negatively impacted my credit report. After filing a report with the Federal Trade Commission that is essential. According to the Fair Credit Reporting Act ( FCRA ), Section 605B, credit reporting agencies are obligated to eliminate any entries identified in an identity theft report, in this case, report # XXXX. Enclosed, you'll find pertinent documents to aid in the eradication of these inaccurately reported items. The following is a list of accounts opened without my consent : XXXX XXXX XXXX Original Creditor : XXXX XXXX  XXXX Balance : {$310.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$610.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1300.00} XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX Balance : {$4500.00} XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX  XXXX Balance : {$1300.00} XXXX XXXX XXXX  Balance : {$1300.00}. XXXX XXXX XX/XX/year> XXXX XX/XX/year>. Per FCRA Section 605B ( a ), it's mandated that credit reporting agencies remove any such disputed entries promptly, within four business days following the receipt of the complaint.
Consumer complaint received 2023-12-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Credit inquiries that I did no authorized XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Fidelity National Information Services, Inc. (FNIS) (FL)

I can not open a checking account for my company, XXXX XXXX XXXX, because of a wrong information in my credit report. ChexSystems reports wrong information to the banks for an account which I complained several times to the bank for fraud transaction but the bank did not take any action. I do not owe anything to the bank, they owe me for that fraud transaction. ChexSystems reports the negative remarks to the banks and I can not open a bank account for my company which is my lawful right. This has affected me severely. Without a business checking account, I can not do business and I can not apply for business loans. ChexSystems is liable and responsible for affecting my life and my income severely. I hold every right to file a lawsuit against ChexSystems for its wrong reporting.
Consumer complaint received 2024-04-11
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)

I am writing to please delete the following information from my file. the items i needed are listed in the reported, i am a victim of identity theft and i did not make the charge. i ask the items be deleted to correct my credit report. I reported the theft of my identity to the federal trade commission and also have enclosed copies of the federal trade commision affidavit please deleted the items as soon as posible thank you
Consumer complaint received 2018-08-12
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: EQUIFAX, INC. (NY)

XXXX XXXX reported this fraudulent transaction to the Credit Reporting Agencies since XX/XX/2013. Someone opened four accounts in my name unknown to me. I requested information from XXXX proving it was me but got none. I filed a dispute with the Credit Bureau but they upheld the Company decision. 
Please advise how to remove this false information from my report. 

Thank you, XXXX XXXX
Consumer complaint received 2024-04-11
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)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, XXXX, XXXX, and Equifax.
Consumer complaint received 2024-04-11
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)

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-11
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)

Entered into a reduced payment plan agreement XX/XX/XXXX of XXXX and have paid as agreed from XX/XX/XXXX until XX/XX/XXXX. The agreement was pay {$99.00} electronically every month and my interest would be reduced to 6.50 % if paid as agreed. 
XXXX XXXX reports as 120 days late to all credit agencies from XXXX XXXX. 
This is incorrect. This is not in the agreement. I have paid extra more than the agreement many months. I have paid as agreed. I ordered the last 12 months statements from XXXX and the statements reflect this. XXXX refuses to acknowledge my dispute which I sent XXXX XXXX with signature. XXXX denies my dispute to credit agencies. Still reporting 120 days late from XX/XX/XXXX- until XX/XX/XXXX. I asked them to report as current for those months because I paid as agreed per the agreement they sent in writing.
Consumer complaint received 2024-04-11
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. (NV)

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  : Account # XXXX has violated my rights. 

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 2024-04-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

UPON REVIEWING MY CONSUMER REPORT, I HAVE DISCOVERED INACCURATE INFORMATION REPORTING IN MY CONSUMER REPORT. 

REPORTING IN EQUIFAX : XXXX. The following personal information is incorrect Known As : XXXX XXXX XXXX Please remove this inaccurate information from my credit report. 
XXXX. The following personal information is incorrect Previous Address : XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX Please remove it from my credit report. 
XXXX. The following personal information is incorrect Previous Address : XXXX XXXX XXXX XXXX MN XXXX XX/XX/XXXX Please remove this inaccurate information from my credit report. 
XXXX. The following personal information is incorrect Previous Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  MN XXXX XX/XX/XXXX Please remove it from my credit report. 
XXXX. The following personal information is incorrect Previous Address : XXXX XXXX XXXX XXXX XXXX MN XXXX XX/XX/XXXX Please remove it from my credit report. 
XXXX. The following personal information is incorrect Previous Address : XXXX XXXX XXXX XXXX MN XXXX XX/XX/XXXX Please remove this inaccurate information from my credit report. 
XXXX. The following personal information is incorrect Previous Address : XXXX XXXX XXXX XXXX XXXX MN XXXX XX/XX/XXXX Please remove this inaccurate information from my credit report. 
XXXX. The following personal information is incorrect Employees : XXXX XXXX XXXX XXXX XXXX  Please remove this inaccurate information from my credit report. 


REPORTING IN XXXX : XXXX. The following personal information is incorrect Previous Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX Please remove it from my credit report. 
XXXX. The following personal information is incorrect Previous Address : XXXX XXXX XXXX XXXX MN XXXX XX/XX/XXXX Please remove this inaccurate information from my credit report. 
XXXX. The following personal information is incorrect Employees : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Please remove this inaccurate information from my credit report. 

REPORTING XXXX  XXXX : XXXX. The following personal information is incorrect Previous Address : XXXX XXXX XXXX XXXX XXXXXXXX XXXX MN XXXX XX/XX/XXXX Please remove it from my credit report. 
XXXX. The following personal information is incorrect Previous Address : XXXX XXXX XXXX XXXXXXXX MN XXXX Please remove this inaccurate information from my credit report. 
XXXX. The following personal information is incorrect Previous Address : XXXX XXXX XXXX XXXX Please remove this inaccurate information from my credit report.
Consumer complaint received 2024-04-11
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. (NY)

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 XXXX 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 2023-07-07
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: Experian Information Solutions Inc. (PA)

XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX. XXXX XXXX The account is showing that I was 30 days late. I have confirmation that all payments were made before due date. This is having a negative impact on my score and my credit worthiness. 

XXXX XXXX XXXX XX/XX/XXXX XXXX is {$8800.00} This account is show 30 day late. have confirmation that all payments were made before due date. This is having a negative impact on my score and my credit worthiness.

In accordance with the Fair Credit Reporting act. The List of accounts above has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.
Consumer complaint received 2024-04-11
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)

I am writing to file a formal complaint regarding the handling of multiple attempts to remove fraudulent items from my credit report. 

The Fair Credit Reporting Act ( FCRA ) mandates that credit reporting agencies thoroughly investigate and resolve disputes in a timely manner. However, your agency has failed to adhere to these legal obligations in handling my case. 

This situation has caused significant distress and financial harm to me. The presence of fraudulent items on my credit report has negatively impacted my credit score and has hindered my ability to access credit and financial services.

I demand that your agency promptly conducts a thorough investigation into the fraudulent items on my credit report and takes immediate action to remove them. Furthermore, I request that you provide me with written documentation confirming the resolution of this matter. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NJ)

To Whom It May Concern : I recently received a copy of my ( Experian, XXXX XXXX XXXX ) credit report, and I noticed some late payments posted on my credit report : XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( b ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
Did I give you written instructions to furnish this on my credit report? 
Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681. 


Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : XXXX. Defamation of Character ( per se ) 6. Negligent Enablement of Identity Fraud 7. Fair Debt Collections Practices Act 15 USC 1692g violations 8. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Best regards, XXXX XXXX XXXX Enclosed : copy of ID
Consumer complaint received 2024-04-11
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)

I recently reviewed a copy of my credit report. It indicated that a credit inquiries were made by following the credit inquiries listed below. However, these inquiries were not authorized by me. Therefore, I'm sending this complaint to dispute these inquiries and have it removed from my credit report. 
XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX
Consumer complaint received 2024-04-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (MD)

I want to emphasize unequivocally that I did not give written authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am formally requesting that these inquiries be blocked and expunged from my record. It is crucial to highlight that this request is not made in error, nor is it grounded in any misrepresentation of relevant facts concerning the request to block these transactions. 

This assertion is important because it underscores the fact that these transactions were included without my explicit consent or instruction. By emphasizing this point, I aim to convey the seriousness of my request and ensure that it is not overlooked or dismissed. Additionally, I want to clarify that my request is based on accurate and relevant information, and I am not attempting to manipulate or deceive in any way.