davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-19
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)

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.

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 2018-12-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Please delete all accounts which have nothing to do with me, regardless if its reported as collection, charge off, closed with balance because they do not belong to me and other accounts which were unverified, inaccurate and false asap. XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX ( Original Creditor : XXXX  ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX, XXXX XXXX XXXX, XXXX XXXXXXXX
Consumer complaint received 2023-08-29
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. (AZ)

To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 



Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 

Please investigate if every piece of information is correct. If not, please remove it from my credit report.

1. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXXXXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

2. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX  Account Number : XXXX Delete this account. 

3. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-29
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (IL)

The fact that I always make timely payments on this account is causing me a great deal of XXXX. I have never missed a payment and I am very diligent about it. I kindly request that you update my account immediately and rectify the inaccurate late payment entry.
Consumer complaint received 2023-12-21
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I am questioning the authority you UPHOLD on how you just DENIED my request without offering clear and justified explanations. DO YOU THINK I AM JUST PLAYING GAMES WITH YOU!? OR YOU ARE THE ONE MAKING FUN OF ME? DONT DO THIS TO ME WHAT YOU ARE DOING TO OTHERS!! I AM NOT WASTING MY TIME COMPLAINING I AM A VICTIM HERE AND THEN YOU SEND BACK SOME USELESS LETTERS!!! Your letter, which lacks specificity and transparency, undermines the trust and confidence that consumers are expected to have in your organization. I was the victim and Im not sure why the CRA is not complying with the law. Im very confused why this one seems to ignore my requests. 
XXXX XXXX XXXX- PLEASE DELETE!!! 
XXXX XXXX XXXX- PLEASE DELETE!!! 
Furthermore, it is disconcerting to find that your bureau, which is not directly involved in the initial investigations of fraudulent activities, deems itself fit to pass judgment on the validity of claims without providing any substantial evidence or clarification. This raises serious questions about the authority and competence of your bureau in making such crucial determinations.
Consumer complaint received 2023-12-04
Product: Prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: FISERV INC. (FL)

XXXX fraudulent purchases totaling {$4100.00} were made on my payroll card, company has my denied claim. 

I was informed verbally by customer service on XX/XX/XXXX that the above referenced dispute case was declined and the only way to appeal this false decision was to write a letter of appeal. 
An employee of your company is grossly negligent for declining the fraud claim for a reason I am told of previous charges from merchant ( s ) this is false as I have never had charges from any of the XXXX disputed fraud companies in my history. I am completely distraught over this ordeal and have been told there is no way to speak to anyone in the fraud/dispute department that the only way to communicate is in writing this appeal. 
I demand a review of this case immediately and the negligent actions of your employee ( s ) to decline my fraud claim based on a false basis. As explained in detail in my prior letter ( enclosed ) dated XX/XX/XXXX I was XXXX  XXXX XXXX  years of age when these fraudulent purchases were made, I do not own property I live at home with my parents in XXXXXXXX XXXX and do not have a drivers license. I most certainly did not get a tattoo at a merchant called XXXX XXXX located in XXXXXXXX XXXX or pay property management fees or make a charge at total wine or any other of the remaining fraudulent locations. I have worked very hard part time at XXXX XXXX XXXX XXXX XXXX to save for car insurance and your company is denying me credit of {$4100.00} in fraudulent charges. I have followed all rules according the my cardholder agreement in reporting the fraud immediately upon discovery on XX/XX/XXXX, sending the signed customer dispute form and written statement of unauthorizes transactions on XX/XX/XXXX. 
As stated previously I am reporting the unfair and abusive practices of your company to the Consumer Financial Protection Bureau as well as XXXX federal regulators. If you do not answer this letter to my satisfaction you will answer to them. 
Please advise what steps your company will take to resolve this matter and credit my account for {$4100.00} in fraudulent charges.
Consumer complaint received 2023-12-21
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)

My name is XXXX XXXX and I'm writing to let you know I am a victim of a reported data breach and according to FCRA Sections 605B, 615 ( f ) and 623 ( a ) ( 6 ), a data breach report can be used to permanently delete fraudulent accounts. I contacted the FTC and filed a complaint.
Consumer complaint received 2023-12-21
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. (GA)

I am writing to express my deep dissatisfaction and frustration regarding the numerous unsuccessful attempts to remove fraudulent items from my credit file. Despite my persistent efforts to rectify this issue, the inaccurate information continues to tarnish my credit history, causing significant distress and impeding my financial well-being. There are multiple fraudulent items present on my credit report that are negatively impacting my creditworthiness. I have submitted dispute requests on several occasions, providing supporting documentation to verify the fraudulent nature of these items. I have made multiple attempts to address this issue by following the established dispute procedures outlined by your organization. However, these efforts have been met with limited success, and the fraudulent items persist on my credit report. The presence of these inaccuracies has severe consequences for my financial standing, affecting my ability to secure credit, obtain favorable interest rates, and maintain financial stability. I am formally requesting that you conduct a thorough and expedited investigation into these fraudulent items. I have attached copies of the supporting documentation for your reference. Furthermore, I insist on clear and timely communication throughout the resolution process and a written confirmation of the corrections made to my credit file. It is imperative that these fraudulent items are promptly and permanently removed to restore the accuracy of my credit history. If this matter is not addressed satisfactorily within the specified timeframe from the date of this letter, I will be left with no choice but to escalate this complaint to regulatory authorities and seek legal advice to protect my rights as a consumer. I am asking for your assistance to remove these fraudulent 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
Consumer complaint received 2024-04-19
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. (NY)

Upon reviewing my XXXX, XXXX and Equifax credit reports, I have identified unauthorized inquiries. I kindly request the deletion and blocking of these items that do not belong to me within the next 5 business days.
Consumer complaint received 2023-12-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

THIS ACCOUNT IS REPORTING NEGATIVELY AS A REPOSSESION ON MY CREDIT REPORT DESPITE NOT HAVING ANY HISTORICAL DATA AT ALL. THIS IS CLEARLY INACCURATE REPORTING.
Consumer complaint received 2018-12-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Bread Financial Holdings, Inc. (CA)

Hello I would just like for the late payments to be removed from my credit report. I have been in and out of the hospital and not working and havent been able to pay anything. Im getting evicted soon and everything that could go wrong has. I am just asking that your company will be merciful and remove the late payments and maybe we can set up a payment plan for my account, please!
Consumer complaint received 2024-04-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (SC)

I'm a victim of identity Theft. My information has been exposed in the Equifax data breach. The following inquiries and addresses are not affiliated with me nor are they authorized by me and I would like them to remove from any affiliation with me immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-12-21
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. (NJ)

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 XXXX 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 2023-12-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I reviewed my consumer credit report, and this my 2nd time filing my complain to your agency and the problem on inaccurate reporting is still existing to 3 bureaus. I have consistently disputed the inaccuracies in the following information with XXXX, XXXX, and TransUnion ; however, regrettably, the matter remains unresolved to this day. 

1. The following personal information is incorrect Name : XXXX XXXX XXXX 2. Under 15 US Code 1692f ( 1 ). Unfair Practices XXXX Account Number : XXXX Please ensure that all information is accurate 3. Under 15 US Code 1692f ( 1 ). Unfair Practices XXXX XXXX Account Number : XXXX Please supply information on how you have verified this item. 
4. Under 15 US Code 1692f ( 1 ). Unfair Practices XXXX XXXX Account XXXX : XXXX Please correct/update this inaccurate information on my credit report. 

1. The following personal information is incorrect Name : XXXX XXXX 2. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX, FL XXXX XXXX XX/XX/2021 3. Under 15 US Code 1692f ( 1 ). Unfair Practices XXXX Account Number : XXXX Please ensure that all information is accurate XXXX. Under XXXX XXXX XXXX XXXX ( XXXX ). Unfair Practices XXXX XXXX Account Number : XXXX Please supply information on how you have verified this item. 

1. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX, FL XXXX 2. The following personal information is incorrect Employers : XXXX XXXX 3. The following personal information is incorrect Employers : XXXX XXXX 4. Under 15 US Code 1692f ( 1 ). Unfair Practices XXXX Account Number : XXXX Please ensure that all information is accurate 5. Under 15 US Code 1692f ( 1 ). Unfair Practices XXXX XXXXXXXX Account Number : XXXX Please supply information on how you have verified this item.
Consumer complaint received 2024-04-19
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. (LA)

I am writing to dispute and request the removal of inaccurate collections reporting from my credit report. Upon reviewing my credit report, I discovered that there are collections accounts listed that contain inaccurate information.
Consumer complaint received 2018-12-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A. (MD)

I appied for a Citi Bank secured card approximately two weeks ago. I called there approval Department and the representative said I was approved for an account with Citibank and that I will receive the instructions in the mail to set up my account. On XX/XX/2018 I receive information that my application was denied
Consumer complaint received 2024-04-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (VA)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2018-12-20
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. (FL)

My loan payments were always sent on time. I keep explaining this to Experian but they keep on saying that the accounts are accurately reported and they have verified it. The accounts were not reported correctly and I would like it fixed. Please CFPB step up and correct the status because I was never late on my XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX and XXXX   XXXX.
Consumer complaint received 2024-04-19
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (PA)

I've consistently maintained punctual payments on this account, preventing any instances of overdue status. The rationale behind the reported late payment remarks on my accounts eludes me. According to 15 USC 1666b - Billing Error, corrections should be made.
Consumer complaint received 2023-12-20
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. (NC)

I've observed several deviations from mandatory reporting standards, which cast doubt on the accuracy and completeness of the data in my report. Consequently, I refute the allegations against me and challenge you to substantiate your authority to include this incomplete negative information in my credit report. 

In accordance with 15 U.S.C 1681e, consumer reporting agencies must employ reasonable procedures to ensure the utmost accuracy of information in consumer reports. Furthermore, 12 CFR Part 1022 ( Regulation V ) mandates furnishers to provide information about consumer accounts with integrity and accuracy. This includes conducting reasonable investigations into consumer disputes, as outlined in the Consumer Reporting Resource Guide ( CRRG ) and adhering to Metro 2 compliance standards. 

Deviation from these standards, as emphasized in the CRRG, jeopardizes the integrity of the data, potentially compromising the accuracy of federally regulated reports. Consequently, I am exercising my rights to contest these inaccuracies and non-compliant items. Ignoring my demand would indicate a disregard for my consumer rights. 

It is unjust for you to report unconfirmed and ethically questionable information that does not meet certified reporting standards. I challenge these claims and request evidence of proper reporting standards. Your violation of my rights is documented in this communication, citing concerns about incomplete and non-compliant reporting.
Consumer complaint received 2024-04-19
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. (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.

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 2024-04-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I value your help in removing a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or removed. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX, CA XXXX XX/XX/year> XXXX XXXX Balance : {$0.00}
Consumer complaint received 2023-12-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (VA)

On XX/XX/2023 I'm trying to update my report, However I keep receiving an error stating that they can not show todays 3-bureaus report. This might mean that Equifax was no record of your credit history or different personal details to you on file until this issue is resolve you won't be able to see your report. 

I'm not sure what is happening but I ensured none of my reports are locked or frozen and I still can not acces my report. Please help me to resolve this case because it causing me alot of stress.
Consumer complaint received 2024-01-19
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. (FL)

My information was bought and sold illegally because I was a victim of the Equifax data breach. I want these items Deleted from my credit reports effective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing. So please help me delete these illegal accounts from my credit reports.