davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a 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. (FL)

By listing these accounts in this dispute, they have contravened my rights as protected by 15 USC 1681e ( b ). As a result of providing inconsistent information to each credit bureau, I experienced the negative consequences of a diminished credit score. In accordance with the rigorous liability standard of the FCRA, culpability against a CRA can only be established for a single violation. At present, I have no intention of initiating legal proceedings against your agency ; however, I would appreciate it if you could rectify the error that appears in my consumer report. If this erroneous information persists, I will be compelled to resolve the situation independently. Credit bureaus are required by law to report only 100 percent accurate credit information. It is imperative that every effort be made to ensure that the information being reported is entirely precise and true. Therefore, the following information requires further investigation.
Consumer complaint received 2022-11-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 

I've talked to the bank & they've agreed to update the accounts. BUT TransUnion has some internal block which they're claiming they can use to not update the accounts because they feel they're above the law. When questioned why they're not accepting the dispute Letter they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the dispute Letter ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy... 
I submitted a letter to the TransUnion Credit Bureau XX/XX/XXXX to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again, as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. TransUnion shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at TransUnion disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus 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 items from my 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 creditor XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$23000.00}, XXXX XXXX XXXX XXXX Date Opened : XXXX Balance : {$24000.00}, XXXX XXXX XXXX  XXXX XXXX Date Opened:XX/XX/XXXX Balance : {$54.00}
Consumer complaint received 2022-11-28
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Recently I have noticed some incorrect information on my credit report. I have reached out to XXXX, Transunion, and XXXX for more information but sadly have not received any response at all. It has been more than 45 days since I originally wrote them.
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 — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

I have request that my name be updated on the Credit Bureaus, as per my ID info. I have never gone by any other name outside of XXXX XXXX, XXXX. XXXX has XXXX, XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX. 
Experian added XXXX XXXX, XXXX. 
I asked that the following addresses be removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX. 

Also The following Collection companies as I don't owe them anything XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( alXXXX XXXX  Bureaus ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( all XXXX  Bureaus )
Consumer complaint received 2023-08-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Eaton Group Attorneys LLC (LA)

The Eaton Group LLC in XXXX XXXX has recently sent a garnishment to my employer. The garnishment is for an XXXX store card in which I never had or applied for. Now i have contacted all 3 Credit agencies and this store card was no where to be found on my credit report. I also contacted XXXX XXXX which owns the XXXX XXXX card and reported this as fraudulent. The Eaton Group LLC has not had good standings with the XXXX  and most of the bad complaints are like mine in that the Eaton Group LLC is persecuting people for debts not really owed. 

XXXX XXXX  did tell me the card was taken out in my name and is investigation th allegation, when i tried to receive help from the Eaton Group LLC it fell on deaf ears and they were extremely rude. Ponzi scheme if you ask me
Consumer complaint received 2023-02-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TD BANK US HOLDING COMPANY (IL)

XX/XX/2022 XXXX XXXX XXXX ( not me ) Sent to my current address. 
Reference # XXXX TD Bank USA N A Nordstrom Inc Account number XXXX Amount {$770.00} This same woman used my daughters SS number 20 years ago.
Consumer complaint received 2023-06-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

After reviewing my credit file, I am writing to dispute the incorrect account in XXXX, and TransUnion. 

XXXXXXXX XXXX XXXX XXXX  XXXX Court : US BKPT CT XXXX  XXXX TransUnion XXXX XXXX XXXX XXXX  Court : U.S. Bankruptcy Court
Consumer complaint received 2023-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (TX)

Equifax- has locked my credit- I can not get a report, can not get electricity providers or auto insurance. Called Equifax was told that there is an issue but they would not tell me what the issue is. Told I have to mail a photo copy of my DL and SSN to a po box in XXXX, GA- this sounds sketchy and I am not comfortable doing this but they offer no other alternative to correct this issue. Please advise
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (IL)

I am writing to contest the appearance of this bankruptcy on my credit report. The filing dates, reporting dates, and closure dates do not correspond. This is deeply concerning as I possess a court letter explicitly stating that this bankruptcy should not be listed. Moreover, the involvement of an unauthorized third party adds to the absurdity of this situation.
Consumer complaint received 2024-03-04
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. (NY)

In accordance with the Fair Credit Reporting act. The List of accounts in the letter 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 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 2023-02-06
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: Experian Information Solutions Inc. (CA)

I've tried disputing inquires I see reporting on my credit report that I did not authorize but have not heard back from the credit bureaus so I'm issuing a compliant on my behalf.
Consumer complaint received 2023-08-10
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. (PA)

This CFPB complaint was a follow up just for assurance that the XXXX, XXXX and TransUnion Credit Bureaus will not be negligent and will know that this topic was urgent. As I can tell that someone has stolen my identity. I filed a formal report to the FTC, and in accordance with the provisions of FCRA Section 605B ( 15 U.S.C. 1681c-2 ), I have included that report to this complaint and will do it again. Please remove these items from my credit record as soon as possible to comply with the law ( i.e., 4 days ). Please let me know if you require anything else : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX CHILD SUPPORT XXXX XXXX Balance {$0.00} CHILD SUPPORT XXXX XXXX Balance {$0.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2017-03-03
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (FL)

XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX Equifax PXXXX, XXXX, XXXX XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX XXXX XXXX XXXX XXXX XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), XXXX U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA XXXX furnishers ) are responsible for blocking fraudulent information from appearing in victims ' credit reports, blocking fraudulent information from appearing in victims ' credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX, XXXX, XXXX XXXX
Consumer complaint received 2022-11-16
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. (LA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-03-04
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc. (NY)

Experian XXXX XXXX XXXX XXXX TX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX Iowa XXXX Dear Sir/Madam, I am writing to dispute the accuracy of information contained in my credit report and to file a complaint with the Consumer Financial Protection Bureau regarding the actions of XXXX XXXX XXXX XXXX  XXXX 

Upon reviewing my credit report, I discovered that XXXX XXXX XXXX XXXX has reported a debt that is past the statute of limitations. The debt is listed as Account : XXXX and Account : XXXX is inaccurately affecting my creditworthiness. 

According to my records, the statute of limitations for this debt has expired, and as such, it should not be reported on my credit report. 

I request that the credit bureau conduct an investigation into this matter and promptly remove the outdated and inaccurate information from my credit report. Additionally, I ask the Consumer Financial Protection Bureau to investigate the actions of XXXX XXXX XXXX XXXX and take appropriate action to ensure compliance with consumer protection laws. 

Please provide written confirmation once the investigation is complete and the erroneous information has been removed from my credit report. I appreciate your prompt attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-03-04
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. (IL)

On XX/XX/2024 I wrote to you requesting an investigation into items that I believed were inaccurate, and falsely reporting. This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I respectfully request to be provided proof of these alleged late payments, and payment history. Per my records I have always paid these accounts on time and never paid late. The following late payment information therefore needs to be reinvestigated as it is inaccurate, and then removed from my credit file as it is falsely reporting
Consumer complaint received 2024-03-25
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 filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2023-10-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY (NJ)

On XXXX XXXX I notified XXXX through e-mail that my order has not been delivered or signed by me and a refund was due to me. XXXX was able to investigate the package and had returned the package to sender with tracking number XXXX. The package was delivered back to sender on XX/XX/23 and was signed by XXXX per FedEx signature confirmation. 

On XXXX XXXX XXXX sent an automated e-mail regarding the return policy but never addressed my concern regarding the delivery XXXX XXXX I notified XXXX that I had not received a refund and was told I have to sort the chargeback out with my bank. 

I never received the package and XXXX has confirmed the package was returned to sender. The merchant has to settle the dispute with XXXX as I have never received the package. 

I have filed a dispute with my bank TD three times already and the chargeback has been reversed each time. 

I have also filed a complaint with the XXXX which they said the merchant stopped replying and has not issued a refund either.
Consumer complaint received 2019-10-16
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)

I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2024-06-15
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: Bread Financial Holdings, Inc. (PA)

Under the provisions of FCRA 623 ( a ) ( 8 ) ( E ), you have the duty to review all the information in this Notice of Dispute to complete your investigation and report back to me the results of your investigation within 30 days of my Notice of Dispute. 
Your firm has verified a few times that the account : XXXX XXXX # XXXX. 
Comenity BankXXXX XXXX  XXXX. 
should in your opinion NOT be removed from my credit report even after forwarding to me documents showing the Date of Last Payment as XXXX XXXX which means the Date of First De linquency which triggers the 7 year reporting period is XX/XX/XXXX. 
You have communicated to me via CFPB portal that the Date of First Delinquency is XX/XX/XXXX this is FALSE. 
My question is why are you reporting Date of Last Payment as XX/XX/XXXX and not remove account ( XXXX )? 
Please send me proof that the Date of First Delinquency is XX/XX/XXXX and not XX/XX/XXXX which is the month after the Date of Last Payment that you are reporting to at least one credit bureau.

I request this information under FCRA 623. 
Your company has already assisted XXXX XXXX and XXXX with the verification of this account per your obligations under 623 ( b ), you must already have documentation in your possession to support that this item has not surpassed the 7 year reporting period. I have disputed that the XXXX XXXX # XXXX and the Comenity Bank/XXXX accounts be removed because they are too old. 
Instead of removing the accounts your company verified. This indicates that the Date of Last Payment is not the date you communicated to me and reporting to at least XXXX credit reporting agency. If proof is not sent showing the dates that would allow this account to currently be reporting then if proof is not obtained and forwarded, then I will assume there is no proof and will consider this matter with your company closed and expect removal of notations of this account to any and all credit reporting agencies to which you are currently reporting. 
If you fail to fulfill your obligations under FCRA 623 ( a ) with regard to this dispute I will file complaints with the FTC and Attorney General Offices in both your state and mine. 
In addition, this failure will be construed and interpreted as direct evidence of your failure to fulfill your obligations with regard to FCRA 623 ( b ). Be advised that per XXXXXXXX XXXX XXXXXXXX XXXX, a data furnishers failure to meet obligations under FCRA 623 ( b ) in the context initiated with credit reporting agencies is privately actionable in a court of law.
Consumer complaint received 2024-05-15
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 a victim of identity theft over and over. I just found out that my mail was forwarded out and criminals open up new bank accounts and credit card accounts under my name.I never knew these accounts was opened because I wasnt getting mail directly to me. Unit the accounts was ran up and reported late. Ive called the credit card companies as well as filed a police report with the banks. This is absolutely the worst time for this to happen because I am looking to buy a home and my credit is Ruined. 

XXXX  account. XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX {$14000.00} XXXX XXXXXXXX. XXXX