davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-07
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (MO)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX XXXX breach and may have got into the hands of the wrong person.
Consumer complaint received 2024-04-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Dear Sir or Madam, I am writing to dispute the reporting of the account listed as XXXX XXXX XXXX XXXX XXXX XXXX  on my credit report, as I have found several discrepancies and believe the information to be inaccurate. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., I request a thorough investigation into this matter and the correction of any inaccuracies found in my credit file. 

Disputed Information : Account Number Ending in XXXX  : This account is listed only on TransUnion 's report. There are inconsistencies in reporting, as this account does not appear on my XXXX XXXX XXXX XXXX XXXX 
Original Lender and Agency Name : Reported as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I dispute the accuracy of these entries as they are not familiar to me, and I request verification of these details. 
Date Assigned : XX/XX/. I question the accuracy of this date and the legitimacy of the assignment of the debt. 
XXXX XXXX XXXX XXXX. I dispute this amount and request a detailed accounting that justifies this balance. 
Status : Listed as " Unrated or bankruptcy '' with a comment " Dispute resolved reported by grantor ''. I dispute this status as inaccurate or misleading and request further clarification and proof of resolution, as I have no record of such dispute resolution. 
I am enclosing copies of documents that support my position and clearly highlight the discrepancies for your review. Please investigate these items promptly and, if the information can not be verified or is found to be inaccurate, kindly remove or correct it according to the FCRA guidelines. 

Under the FCRA, you are required to complete this investigation within 30 days of receipt of this letter and inform me of your findings and actions taken as a result. 

Thank you for your attention to this matter. I look forward to your prompt response and resolution of my dispute. 

Sincerely,
Consumer complaint received 2023-08-21
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. (NY)

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 XXXX XXXX XXXX XXXX. Please delete these accounts ASAP.
Consumer complaint received 2023-08-22
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: Experian Information Solutions Inc. (CA)

After sending a lot of Dispute Letters and FTC reports, these negative items are STILL reporting. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE.
Consumer complaint received 2022-12-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

I was shocked when I pulled my credit report and saw fraudulently credit card accounts where open in my name. 
It also has incorrect personal information on it, such as my multiple names, addresses, birth year, and phone number and social security number. 
I have called, mailed, and disputed online and XXXX, Experian, and XXXX still have not remove the fraudulent items from my credit report. 
I never opened XXXX, XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX, and XXXX XXXX. 
I do not have any knowledge of any of these accounts on my credit report. I never authorized any of these credit cards to be open! 
At the time some of these accounts where open I was only XXXX XXXX XXXX. I have called, mailed, and disputed online and they still have not remove the accounts. 
I am now asking the CFPB to enforce the FCRA as they have violated my rights as a consumer and broke multiple laws.
Consumer complaint received 2022-12-07
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MO)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over XXXX days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within XXXX days gives a reason to immediately remove those items from my credit report, it has been over XXXX days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-08-22
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. (CA)

After sending a lot of Dispute Letters and FTC reports, these negative items are STILL reporting. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE.
Consumer complaint received 2022-10-21
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: Experian Information Solutions Inc. (OH)

Dear CFPB, it has been a few months since I have dispute this collection account that is not mine with XXXX, XXXX, and Experian. To date this has not been resolved. 

I solemnly swear that I have not had an account with XXXX at any moment of my life. 

I had came on hard times because I lost my job and due to this collection account remaining on my profile I was denied for credit products that I would have been approved for. 

CFPB Team, I ask that you support me in the effort to have this account removed for goo so that my credit score can go back to normal. 

I am attaching the letters that I have mailed to each credit bureau to this complaint. 

By law please have these agencies put into effect that this account will be blocked or deleted from my credit profile immediately.
Consumer complaint received 2023-09-06
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. (SC)

I did not give written permission to have these accounts furnished on my consumer report.

15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) 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.

Again, I did not give written consent or permission to have these accounts furnished on my consumer report. This agency is in direct violation of the law.
15 U.S. Code 1681- Congressional findings and statement of purpose ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Consumer complaint received 2023-08-27
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Frontline Asset Strategies, LLC (TN)

This company has reported a debt to the credit bureaus that has previously been removed, I had requested documents supporting their claims but no documentation has been provided. Further more the collection agency has reported this debt without out contacting me and providing me an opportunity to dispute the claim prior to reporting as required by law. The collection agency is in violation of the fair credit act and is not operating in good faith.
Consumer complaint received 2023-03-22
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: EQUIFAX, INC. (IA)

I asked the credit bureaus to verify the following accounts but after sending in a letter of dispute, they still failed to verify the said accounts. 

In accordance with the Fair Credit Reporting act, XXXX Account number : XXXX XXXX Account number : XXXX XXXX Account XXXX : XXXX XXXX Account number : XXXX XXXX Account number : XXXX XXXX XXXX  Account number : XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX XXXX Account number : XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have right to privacy.

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2023-06-06
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. (TX)

I need your help in a serious matter involving my credit report. After reviewing my credit, I have realized that you might be reporting damaging information to my name. 
Please review the following : Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This is a collections account. There are late payments and a past due on this account. This is a violation. Please remove this inaccurate account from my credit report. 

After you have finished my request, send me a copy of my credit report reflecting these changes.
Consumer complaint received 2021-04-06
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc ()

I'm reaching out as there was {$37000.00} taken from my Account by PayPal after I was promised my funds back after the 180 day hold Firstly my Account was put on a rolling reserve due to an increase in claim backs due to the significant delays for shipping caused by COVID Following this my Account was suddenly closed and funds were put on a 180 day hold without any information as to why this was done To my surprise after looking into it, I found this was a common issue and something PayPal has been doing for a while without any explanation I sent several emails to PayPal to find out why this hold was put in place but never received a response I was patient and waited the 180 which just ended today and to my surprise when I re opened my Account and the {$37.00}, XXXX was removed from my Account by PayPal. There was not a single email sent to me infrom me this has happened, let alone why! 

I called PayPal as quick as I could to be told by Paypal staff that I breached the Policies because I was selling drugs and cigarettes and PayPal has taken the {$37000.00} as compensation. " I had no need to be informed as I breached their policies '' and there was no allowance for any clarification on my end There has never been a trade of any of these types of products and I made it very clear what I was selling through PayPal with several conversations with their staff and through the initial application process where I provided my webiste which displayed the products and explained the nature of the products They classified the products we sold which were 'XXXX XXXX XXXX ' with cigarettes and drugs and thought they could just take the money I had in the Account under their simple answer of " you breached our policies '' I want to do everything in my power to have my money returned as just taking all my money without any indication, reasoning or any form of communication at all is absolutely wrong I really hope you 's can help me with this Thanks
Consumer complaint received 2022-12-07
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (NC)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2023-08-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: NAVY FEDERAL CREDIT UNION (CA)

NFCU - Credit card Subject : Explanation of Inability to Open an Account due to Confinement Dear NFCU, I hope this letter finds you well. I am writing to address a recent matter concerning an account application that appears to have been initiated under my name. I would like to clarify that I did not open an account with NFCU during the specified time frame due to extenuating circumstances that rendered me unable to do so. 

The application in question seems to have been submitted on XX/XX/2016. I must emphasize that during the period surrounding that date, I was in confinement and faced significant limitations in my ability to engage in any activities outside of my immediate living space. 

The nature of my confinement was such that I did not have access to the necessary resources, including internet access and physical documentation, required to open a new account. Moreover, my location was not conducive to such activities, making it logistically impossible for me to initiate any account-related procedures. 

I understand the importance of accurate record-keeping and the need for thorough investigations in matters like these. I kindly request that you conduct a comprehensive review of the application details and consider the circumstances I have outlined. It is my hope that this clarification will allow you to confirm my assertion that I did not open the account mentioned in your records. 

If there are any additional steps or documentation required from my end to support this claim, please do not hesitate to inform me. I am more than willing to cooperate fully to resolve this matter promptly. 

I appreciate your understanding and cooperation in this regard. It is my earnest hope that we can swiftly resolve any discrepancies and rectify the situation. 

Thank you for your attention to this matter. I look forward to your response. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-12-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (GA)

I have tried several times to dispute these fraudulent inquiries on my consumer report and I have not gotten a response from the Consumer Reporting Agencies. Please see the attached documentation. If have submitted a copy of my affidavit of truth notarized and it was mailed to each consumer reporting agency.
Consumer complaint received 2024-04-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This is my second notice of fraudulent accounts on my credit report. I never benefited from any of these accounts or any transaction from these accounts. Per the FCRA, these fraudulent items have to be blocked and deleted from my report.
Consumer complaint received 2023-06-06
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. (IN)

In accordance with the fair credit Reporting act XXXX  Accounts # XXXX, XXXX XXXX, XXXX, XXXX, ( ID : XXXX, XXXX, XXXX, XXXX, XXXX and XXXX. ) has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2023-06-06
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: Experian Information Solutions Inc. (MD)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 
These accounts should not be furnished on my consumer report as they are in VIOLATION!!! 
Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) 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 INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
Consumer complaint received 2022-12-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

15 USC 1681a ( 2 ) ( a ) ( i ) REPORT CONTAINING INFORMATION SOLELY AS TO TRANSACTIONS OR EXPERIENCES BETWEEN THE CONSUMER AND THE PERSON MAKING THE REPORT ACCOUNT - XXXX XXXX XXXX
Consumer complaint received 2023-06-06
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. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX is still being reported inaccurately, even though your agency claims it was verified as accurate. Despite my previous dispute and your subsequent reassurances of rectifying the inaccuracies, I regret to inform you that the report continues to contain several unresolved errors, which has had a detrimental impact on my creditworthiness and financial well-being.
Consumer complaint received 2023-08-22
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: Experian Information Solutions Inc. (MO)

I earnestly implore you to take immediate and decisive action to remove the fraudulent inquiries from my credit report. It is crucial to acknowledge that I did not authorize these ACCOUNTS and their presence is causing me considerable distress. I kindly request that you prioritize this matter, thoroughly investigate the situation, and swiftly eliminate these unauthorized accounts from my credit report.