davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-14
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: Experian Information Solutions Inc. (OH)

XXXX XXXXXXXX These are fraudulent and unauthorized accounts and inquiries listed on my credit report.I have no knowledge of this suspicious activity on my credit report. I believe this has been fraudulent activity made on my SSN. I believe I am a victim of dark web identity theft.
Consumer complaint received 2024-04-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (MI)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2023-12-26
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. (MI)

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 

XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance XXXX {$0.00} ; XXXX XXXX Balance : {$0.00} XXXX
Consumer complaint received 2024-01-31
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC. (GA)

This letter is to formally demand that you immediately cease and desist all further communication with me regarding the alleged debt identified as account number XXXX. 
I am writing to you under my rights protected by the Fair Debt Collection Practices Act ( FDCPA ). 

I do not owe the debt to this company. I do not know this debt and believe it is not mine. I have never had an account with this company or related to this account number. Please provide me with verification of the alleged debt, the date of the account, and the amount owed. 

Furthermore, if this account is alleged to be related to the account that has BEEN SOLD, then you are admitting to a pooling and servicing agreement also known as securitization. I, XXXX XXXX, DID NOT DISCLOSE, NOR AGREE verbally, electronically, or through written consent with a wet ink signature, that I wanted this course of action with MIDLAND CREDIT MANAGEMENT OR ANY RELATED THIRD PARTIES. MIDLAND CREDIT MANAGEMENT contracted with an additional party without my consent, making me VOID to pay ANY ALLEGED DEBT. 

To add upon this, I wanted to provide VALIDATION OF THIS ALLEGED DEBT, with the production of this account and the general ledger statement!
Consumer complaint received 2019-01-03
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

Capital One Bank in XXXX, Virginia. Amount owed : {$450.00}. Please write-off. 
Ms. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, Georgia XXXX XXXX Please remove this derogatory mark from the 3 credit bureaus, XXXX, XXXX XXXX, XXXX, immediately. Today.
Consumer complaint received 2024-01-31
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (FL)

I noticed my credit card balance kept going up even when I wasnt using it and its because I have been getting charged a fee from " XXXX XXXX '' on Macys Credit card in which I never approved. I called " XXXX XXXX '' this morning, XX/XX/24, and was able to cancel it but I want to be refunded for the thousands of dollars they have charged my account without my knowledge. I was told they have to review my charges and see if I was eligible for a refund. When I asked what the eligibility requirements were to get approved, XXXX from XXXX XXXX was unable to give me an answer and told me someone would call me back in 5-7 business days to give me that answer.
Consumer complaint received 2024-04-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TN)

According to FCRA 605B, it's necessary to eliminate any inaccurate accounts from my credit report. Could you please review the documents? Some of the listed accounts are incorrect in terms of reporting. Compensation of {$1000.00} is due for each inaccurate entry on my credit file.
Consumer complaint received 2024-04-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

As per FCRA 605B, it's mandatory to remove any inaccurate accounts from my credit report. Could you please verify the documents? Some of the listed accounts are incorrect in terms of reporting. I'm entitled to receive {$1000.00} for each inaccurately reported item on my credit file.
Consumer complaint received 2023-09-01
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. (MO)

I am submitting this CFPB complaint about the Charge Off account upon checking it in my credit file and I supposed that credit bureaus should remove this charge off account in my credit file. I found out that the account XXXX XXXX XXXX still on my credit file which is appeared as charge off, the fact is, I've been disputted it already. I have carefully reviewed my credit report from your agency and have identified discrepancies that I believe require immediate attention and removal. I have outlined the details of the disputed information along with an explanation of the inaccuracies : the charge off reported on the above-mentioned account is inaccurate. I have diligently made efforts on time as per the terms and conditions of the agreement with the creditor. I have enclosed copies of my bank statements, payment receipts, and any other supporting documentation to substantiate my claim. I am pleased to request that you investigate this matter promptly and help me remove the inaccuracies on my credit report as required by the Fair Credit Reporting Act. Please provide me with a written confirmation of the removal once the investigation is complete. With your assistance, this account XXXX XXXX XXXX XXXX Balance : {$7900.00}, should be removed right away.
Consumer complaint received 2024-04-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

I provided Trans Union with valid information for identity theft for 3 items that were reported as identity theft XX/XX/2024 and they have not deleted or removed said items. I gave them proof of FTC filing report of ( XXXX XXXX  ) account ( XXXX  XXXX XXXX XXXX XXXX ) auto loan as well as ( XXXX  XXXX XXXX XXXX XXXX ) Installment loan ( XXXX XXXX XXXX XXXX ) ( XXXX  XXXX ). I also provided them with proof they were all deleted from XXXX reporting agency XXXX & XXXX. They are violation my consumer rights, FCRA in noncompliance, 15 U.S. Code 1681c1 - Identity theft prevention ; fraud alerts and active-duty alerts. As well as inaccurate information 15USC 1681E Compliance procedures b Accuracy of report. When ever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. Please have them delete and or remove these items in 7 days or sooner or I will seek legal remedy through smalls claims court ASAP.
Consumer complaint received 2024-04-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

While looking over my credit report and I saw inaccuracies and inconsistencies in the information shared to XXXX, XXXX and Equifax by XXXX XXXX. 
This account is negatively impacting my ability to acquire credit.
Consumer complaint received 2023-09-01
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. (MO)

I am submitting this CFPB complaint about the Charge Off account upon checking it in my credit file and I supposed that credit bureaus should remove this charge off account in my credit file. I found out that the account XXXX XXXX XXXX still on my credit file which is appeared as charge off, the fact is, I've been disputted it already. I have carefully reviewed my credit report from your agency and have identified discrepancies that I believe require immediate attention and removal. I have outlined the details of the disputed information along with an explanation of the inaccuracies : the charge off reported on the above-mentioned account is inaccurate. I have diligently made efforts on time as per the terms and conditions of the agreement with the creditor. I have enclosed copies of my bank statements, payment receipts, and any other supporting documentation to substantiate my claim. I am pleased to request that you investigate this matter promptly and help me remove the inaccuracies on my credit report as required by the Fair Credit Reporting Act. Please provide me with a written confirmation of the removal once the investigation is complete. With your assistance, this account XXXX XXXX XXXX XXXX Balance : {$7900.00}, should be removed right away.
Consumer complaint received 2024-04-23
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. (NY)

I am writing to dispute and request the correction of inaccurate information on my credit report. Upon reviewing my credit report, I have identified an account that is inaccurately reporting late payments. I have contacted the company associated with this account, and they have confirmed that the late payments were errors and have agreed to update my account and remove the late payments. I wish to bring to your attention that other credit bureaus have already corrected this account on their end. Therefore, I kindly request that you update my credit report to reflect these corrections. I understand that you are required to conduct a reasonable investigation into disputed item. I request that you promptly investigate this account and make the necessary corrections. 

The account in question is : XXXX XXXX XXXX
Consumer complaint received 2023-12-04
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 a victim of identity theft. I have sent paperwork pertaining to the fraud on my credit reports and it is not being submitted with my disputes. These accounts are still on my credit report, and this is a violation of the FCRA. And I am not getting copies of the verification process. The disputes I am submitting are not being followed.
Consumer complaint received 2024-01-31
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (IN)

Chase Bank closed our checking account XX/XX/2022. when I visited Chase Bank they said I could still maintain my savings account with the amount of XXXX and we would issue a debit card for this account. After a few days when I didn't receive anything from chase bank, I went to close my bank account and the teller told me there is some system issue in closing my account and I will receive a letter. they sent me letter saying that they closed my saving account and my account is showing XXXX balance and I didn't receive any check for stated amount after that I have gone to all the branches and all time I get only one answer that we are reviewing your account and you will receive your check. I have lost my life savings and I keep calling chase bank for almost 1 year and they said you will receive check in 90 days. All the time when I call they said you will receive the check. please suggest
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. (TX)

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-04-23
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: EQUIFAX, INC. (IL)

I consistently make on-time payments, of which I am certain. However, I am unsure why this company is reporting me as late in certain months, which should not be the case. According to USC 1666b, any billing errors should be rectified, or they will owe me {$1000.00} for each account reporting inaccurately.
Consumer complaint received 2023-09-01
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. (TX)

Submitted dispute letter to XXXX, Experian, and XXXX using CFPB requesting bankruptcy be removed from credit report as credit bureau did not receive written consent from myself of the originator, US Bankruptcy Court, XXXX XXXX, XXXX, LA. XXXX stated the bankruptcy was verified by XXXX, who is not the originator of the information. XXXX is not the originator of the bankruptcy, it is the storage repository. Multiple attempts have been made requesting XXXX to remove the information. 

IAW the Privacy Act of 1974, XXXX XXXX must have written permission to provide any information concerning an individual to any third party. XXXX wrongfully reported the information without any consent or verification from myself or the Court of Record.
Consumer complaint received 2023-09-01
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. (CA)

This is one of my numerous 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 XXXX and XXXX XXXX XXXX. Please delete these accounts ASAP.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that was opened without my knowledge, consent, or authority within 4 business days with ( 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. 
XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX, CA XX/XX/XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

This is my 5th 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 XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$1200.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

This is one of my numerous 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 and XXXX XXXX XXXX XXXX Please delete these accounts ASAP.
Consumer complaint received 2023-11-08
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. (PA)

strongly urge you to eliminate this account from my credit report as it is not associated with me, and I'm sincerely disheartened by its inclusion. I implore the company to expedite its removal from my credit history.
Consumer complaint received 2023-09-01
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. (FL)

I have been disputing this account for a most of XXXX. I am not sure why its on my account, but it is fraudulent. it was removed then added back to my credit report with another name on top but it's still the same creditor. This is unfair and unjust. i will attach my police and FTC report along with this complaint. 

XXXX XXXX Last reported XX/XX/XXXX {$1100.00} Open balance XXXX XXXX XXXX XXXX XXXX Original creditor XX/XX/XXXX ( XXXX yrs, XXXX mos )
Consumer complaint received 2023-09-01
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)

This is my 5th 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 XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$1200.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-28
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (OH)

My identity was stolen in the form of someone renting an apartment in my name. Columbia/Genesis Debt Collection is attempting to collect a debt I do not owe.
Consumer complaint received 2023-09-17
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. (PA)

i recently reviewed my credit report and was very shocked to see all these fraudulent accounts and hard inquiries on my credit report that's hurting me to know i am trying to process a home for my family. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX