davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

My TransUnion complaint was sent on XX/XX/2024 through the CFPB so the company certainly received my letter on this date. However, I did not receive a response from TransUnion until XX/XX/2024. This is well over the 30 day period. 

15 U.S. Code 1681i - Procedure in case of disputed accuracy states that if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

Per 15 USC 1681 c-2 and 15 USC 1681i ( a ) ( 5 ) ( B ), the company has also exceeded the 5 day period in which they should have notified the furnisher of the following information : 1 ) that the information reported may be a result of identity theft ; 2 ) that an identity theft report has been filed ; 3 ) that a block has been requested ; 4 ) the effective dates of the block ; The company updated the disputed accounts to as " verified '' on my consumer report however they did not submit any proof of verification along with this loose and frivolous statement.
Consumer complaint received 2024-01-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

The XXXX XXXX XXXX XXXX XXXXXXXX XXXX ( XXXX ) failed to provide sufficient notice of balance on inactive credit account. This resulted in an unforeseen late report which could've been resolved. I paid the balance and closed the accounts immediately but was unfortunately only notified by a 3rd party credit score monitoring service. I have disputed this report with the bank as well as state and federal agencies. My concern remains that communication to customers from the NC XXXX prior to taking credit-impacting action is insufficient. I was only provided a single mailed letter. Being out of town at the time, this was not received for weeks. The credit union has an account messaging system that was not used to provide notice. My contact information including accurate email and phone number was not used to provide notice. Engagement to the customer was minimal to the point of negligence. Removal of " late '' status from reporting and my credit history is requested.
Consumer complaint received 2024-01-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (SC)

I recently pulled a copy of my credit report and noticed a series of inaccuracies being reported as late payments. During the pandemic, prior to experiencing a hardship I reached out to the creditors to make an accommodation on the accounts to ensure my credit would not be impacted due to lay offs. Furnishing the late payments to my profile is in violation of 15 USC 1681 S-2 ( F ). Not only were the late payments covered by the CARES act during these periods, but I paid as agreed on the following accounts, XXXX XXXX, XXXX XXXX XXXX, and XXXX. Further furnishing late payments is also in violation of 15 USC 1666B, specifically with XXXX account. I've reached out to the CRA ( XXXX, XXXX, and Equifax ) attempting to resolve and have this information updated in XX/XX/2023 and XX/XX/2023. I requested verification and have not received a timely response. The late payments being reported are severely affecting me purchasing a home.
Consumer complaint received 2023-06-09
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. (HI)

credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

Account ( XXXX XXXX XXXX ) According to 15.USC 1681i ( 1 ) the Credit bureaus have to modify or delete accounts that are nor reported accurately According to 15 1681 ( 1 ) the Credit bureaus don't have no written permission According to 15 USC1681s-2A a person shall not furnish any information relating to a customer to any customer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

( B ) Reporting information after notice and conformation of errors A person should not furnish relating to a consumer to any consumer reporting agency If- The person has been notified by the consumer, at the address specified by the person for such notice that specific information is inaccurate.

I can go on and on The Credit bureaus no respect for laws.

Someone needs to hold them accountable for this.
Consumer complaint received 2024-01-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

You are reporting incorrect information for the account XXXX XXXX XXXX. XXXX is reporting that I was late on this account 19 times, while Equifax is reporting XXXX late payments. XXXX reports that this account was paid off. How is this accurate reporting. XXXX XXXX informed me that they submitted a request to update the tradeline on XXXX XXXX so why is this incorrect information still reporting? This is a violation of the FCRA and if this account is not removed due to inaccurate reporting, I will be taking legal action against your company. Please see the attached response letter from XXXX XXXX and the credit report showing the inaccurate reporting. The data being furnished on my credit report is not credible and therefore has to be removed immediately.
Consumer complaint received 2023-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc. (NY)

Hello, I keep getting billed for Experian services on my chase credit card. I never ordered any services and never gave Experian any permission or authority to bill me or to provide me with any services. I tried calling Experian unsuccessfully, I also tried stopping the charges with my credit card also unsuccessful. Please help me.
Consumer complaint received 2021-10-15
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION (PA)

On XX/XX/2021 I saw a transfer of {$320.00} on my checking account with no explanation of the transfer. I then called the bank, Navy Federal, to inquire about the transfer and the rep informed me that it was transferred to a credit card. She stated that I, the consumer owe this alleged debt, stating that it was in an agreement that I am not aware of. I did not authorize of expressly authorize any amount to be transferred to any alleged debt they are stating that I owe.
Consumer complaint received 2024-04-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (AZ)

I opened a dispute with Wells Fargo for transactions on my debit card. The reference number I was given is XXXX. XXXX writing this report to confirm I receive temporary credit to my account by the XXXX business day, as promised by representative XXXX and required by Regulation E.
Consumer complaint received 2024-01-03
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. (NJ)

I am writing to express my grave concern regarding the presence of fraudulent and unauthorized account on my credit report, which are causing significant distress and financial harm. Specifically, this account : XXXX XXXX XXXX XXXX XXXX It is of utmost importance to underscore that this account do not belong to me and is fraudulent. 

I have made numerous attempts to address this issue by submitting disputes and complaints to Equifax. However, they have failed to resolve the problem. Attached you will also find my ID, and Proof of Address with my most recent bill.
Consumer complaint received 2023-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I have a few reported hard inquires on my account which seem to be damaging my credit score. These hard inquires are inaccurate and you are reporting it to my credit score. 
XXXX XXXX ( auto ) XXXX XXXX ( bank ) XXXX XXXX XXXX ( Finance ) XXXX XXXX XXXX XXXX ( bank )
Consumer complaint received 2024-01-03
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 implore you to take action and remove these fraudulent accounts from my credit report immediately. I did not authorize or initiate these accounts, and it is unfair for me to be held accountable for them. I urge you to take the necessary steps to rectify this error as soon as possible.
Consumer complaint received 2023-09-24
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. (CA)

To whom it may concern : I am formally challenging you to review your data on file for me! I insist that you comply with the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U S C 1681I ) and Metro 2 compliance standards in order to ensure the accuracy of the information reported about me. I also request that you remove any and all false accounts from our records immediately! Only factually accurate, verified, and compliant data should be documented and included on my credit report from now on. 
Below is a summary of the data in which I am challenging : Summary of Accounts being challenged in list form XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-24
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. (NC)

I am writing to express my deep concern and frustration regarding a dispute I have raised with Equifax concerning unauthorized hard inquiries on my credit report. These inquiries are inaccurate, have a detrimental impact on my creditworthiness, and I urgently request their removal in accordance with the Fair Credit Reporting Act ( FCRA ). 

The following unauthorized hard inquiries have been reported on my Equifax credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have diligently reviewed my credit report and can affirmatively state that I neither authorized nor initiated these inquiries. The inaccuracies in my credit report are not only damaging my credit score but also affecting my financial well-being. It is my understanding that the FCRA mandates accurate reporting by credit bureaus, and the presence of unauthorized and erroneous hard inquiries directly contradicts this requirement. 

I have previously contacted Equifax to dispute these inaccuracies, providing all necessary documentation and information to support my claim. However, despite my efforts, Equifax has not taken appropriate action to rectify the situation, and these unauthorized inquiries remain on my credit report. 

I kindly request your intervention in this matter to ensure that Equifax promptly investigates and resolves this dispute in accordance with the law. I urge you to take immediate action to facilitate the removal of these inaccuracies from my credit report to restore the accuracy and integrity of my credit profile. 

I appreciate your attention to this matter and request that you keep me informed of the progress and resolution of this dispute. I look forward to a swift resolution in compliance with the FCRA. 

Thank you for your assistance in this crucial matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-12-06
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Continental Finance Company, LLC (NC)

They called my work number and I work in healthcare and was with a patient. I told them they needed to call my cell #. She said no, u call me back. I said well Im with a patient and I havent heard anything about this debt, she said well I will just send you to collections then. I told her that this is very unprofessional and I can loose my job. She said ok and hung up
Consumer complaint received 2024-01-03
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. (NV)

XXXX, Equifax, XXXX need to remove late payments XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2024-01-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (VA)

Dear Consumer Financial Protection Bureau, I hope this letter finds you well. I am writing to bring to your attention a concerning issue I recently discovered while reviewing my credit report. After a thorough examination, I identified multiple companies listed on my report with which I have never conducted any business. The existence of these unauthorized entries raises serious concerns about the possibility of identity theft. 

Enclosed, please find a detailed list of the companies in question and a copy of my identification for the purpose of verifying my identity. Additionally, I want to inform you that I have already filed a report with the Federal Trade Commission ( FTC ) regarding this identity theft incident. 

Given the urgency of this matter and its potential impact on my financial well-being, I kindly request your prompt assistance in resolving this issue. I have taken all necessary steps to report the identity theft, and I am now seeking your help in expeditiously removing these fraudulent accounts from my credit report. 

Your attention to this matter is greatly appreciated, and I believe your involvement will contribute to a swift resolution. If you require any further information, please do not hesitate to contact me at the provided email address or phone number. 

Thank you for your time and consideration. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-01-03
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. (TX)

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-04-22
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. (LA)

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 : Account Number : XXXX 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 2024-01-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

Immediate Action Required : Security Breach Demands Resolution Within 24 Hours Dear Exqufix Representative or Appropriate Contact I am writing to express my absolute outrage and frustration concerning the alarming security breach that has exposed my personal information on your platform. The evidence I provide is indisputable, revealing a shocking negligence on your part. 
Unauthorized accounts linked to my name, including XXXX XXXX, XXXX, XXXX XXXXXXXX XXXX XXXX XXXX, and XXXX XXXX, reflect a severe violation of your duty to secure user data. 
Inquiries from XXXX XXXX XXXX and XXXX XXXX XXXX via XXXX XXXX  XXXX XXXX only intensify my apprehension about the incompetence of your security measures. 
The addresses associated with my profile, spanning multiple locations, and the list of phone numbers, indicate a gross failure on your part to protect user information. This is utterly unacceptable. 
I demand that you take immediate action within the next 24 hours to : * Remove any and all unauthorized accounts linked to my name. 
* Conduct a thorough investigation into this security breach. 
* Provide transparent communication regarding the steps you are taking to prevent such breaches in the future. 
* Address the issues with late payments promptly. 
Failure to comply with these demands within the stipulated timeframe will leave me with no alternative but to pursue legal recourse and report this breach to relevant regulatory authorities. 
This is not a negotiable matter. Your immediate and decisive action is required to salvage what little trust remains in your platform. 

Sincerely, XXXX XXXX accounts : XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX via XXXX XXXX  XXXX XXXX  Addresses : XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX Reported XX/XX/XXXX Other Address XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date Reported XX/XX/XXXX Other Address XXXX XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXXXXXX Date Reported XX/XX/XXXX Other XXXX XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX Date Reported XX/XX/XXXX Other Address XXXX XXXX XXXX  XXXXXXXX XXXX XXXX Date Reported XX/XX/XXXX Other Address XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Date Reported XX/XX/XXXX Other Address XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Date Reported XX/XX/XXXX Other Address XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Date XXXX XX/XX/XXXX Phone Numbers : Phone Number ( XXXX ) XXXX Phone Number XXXX XXXX XXXX XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX
Consumer complaint received 2023-08-29
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. (TX)

Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Consumer complaint received 2024-01-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

This company is reporting fraudulent inaccurate information on my credit report. I have requested that they provide the method of verification to show that the full ownership of this account. I have never done business with such a company. I am requesting this account to be deleted and block from my credit report
Consumer complaint received 2023-12-29
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)

I received alerts on my credit monitoring system and noticed a plethora of inquiries that I do not recognize and have not given my consent toward. This is a violation of 15 USC 1681 B : permissible purpose of consumer reports, and must be deleted immediately. XXXX XXXX XXXX XXXX XXXX EQUIFAX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX EQUIFAX, XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX EQUIFAX