davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-28
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. (AZ)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent inquiries in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any inquiries listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here are the list of inquiries which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.
Consumer complaint received 2023-02-28
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. (TX)

My credit report contains a significant number of unauthorized requests, as well as some erroneous reporting of Information. I can tell that someone has stolen my identity. As a result, I filed a formal report to the FTC with File Number # XXXX and # XXXX. In accordance with the provisions of FCRA Section 605B ( 15 U.S.C. 1681c-2 ), I have included that report in this complaint. 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. I am requesting that you remove the following items off ofm y Credit File : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, TX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX, XXXX XXXX XXXX XXXX, XXXX XXXX, TX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX, XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX, IN XXXX Balance : {$890.00XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$2300.00} XXXX XXXX XXXX XXXXXXXX Balance : {$74.00} XXXX XXXX XXXX XXXXXXXX XXXX : {$0.00} XXXX XXXX Balance : {$50.00} XXXX XXXXXXXX XX/XX/XXXX XXXX CARD XX/XX/XXXXXXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX. In accordance with the Fair Credit Reporting Act section 605b, I am requesting that you please remove the fraudulent accounts and information off of my Credit File.
Consumer complaint received 2023-02-28
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: EQUIFAX, INC. (FL)

When I reviewed my credit report, I discovered that an account was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. This account needs to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX  XXXX
Consumer complaint received 2023-02-28
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. (FL)

When I reviewed my credit report, I discovered that an account was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. This account needs to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX
Consumer complaint received 2023-02-28
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. (MD)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2023-01-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TN)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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 an account without my written instructions. 

Per XXXX XXXX, they advised all XXXX credit bureaus to remove from my report in XX/XX/2022. Has not been done.
Consumer complaint received 2017-04-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

Hello, I have an issue with the credit bureaus reporting incorrect information on my credit files which are damaging my credit scores. I have the proof of inaccurate information being placed on my credit files and I 've disputed with transunion and XXXX and they 've told lies that they ca n't remove it after I 've told them the information is totally incorrect reporting from a creditor XXXX I have attached the following proof from the credit bureau who has the correct information reporting
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (PA)

My name is XXXX XXXX XXXX this statement is being generated by me. The accounts mentioned in this report should not be reporting on my accounts as they violate the federal credit reporting act according to 15 US code 1681-B 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 ) by the written instruction of the consumer to whom it relates. I never gave these consumer reporting agencies my written or verbal consent nor instructions to report anything on my consumer report which violates my rights as a federally protected consumer. No consent is identity theft. As a federally protected consumer, I am demanding the deletion of these listed accounts immediately. 

Additional Unauthorized Hard Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-02-28
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)

The following accounts are reporting on my credit and are incorrect and inaccurate XXXXXXXX XXXX XXXX XXXX, XXXX {$2700.00} XXXX XXXX XXXX, XXXX {$100.00} XXXX  XXXX XXXX, XXXX {$1100.00} XXXX XXXX XXXXXXXX. XXXX, XXXX {$10000.00} XXXX XXXX XXXXXX/XX/XXXX {$5200.00} XXXX XXXX XXXX XXXX. XXXX, XXXX {$6000.00}
Consumer complaint received 2023-08-11
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: EQUIFAX, INC. (FL)

therefore, I am invoking the Fair Credit Reporting Act Section 611 ( FCRA 611 ) ( 15 U.S.C. 1681I ) to ask that you provide me with the following information : 1. The date you contacted the creditor. 
2. The contact information for the creditor.

3. The name of the person who verified the item to you.

4. The method of communication you used to verify this information
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

The loan was paid off through bankruptcy. After bankruptcy was completed I began to receive delinquent phone calls although I received the title for the vehicle. After speaking with the company they promised to have the delinquency removed from my credit profile. I tried to dispute several times but Experian will not remove the negative rating on my credit profile. I would like to file the complaint against XXXX XXXX and the credit bureaus Experian, XXXX, and XXXX that are reporting this item as negative.
Consumer complaint received 2023-05-08
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. (NY)

AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE ACCOUNT NAME : XXXX XXXX 2 LATE PAYMENTS Balance details Paid off - Balance - Balance updated - Original balance {$720.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Secured Loan Status Paid, Closed. 
Status updated XX/XX/XXXX Original balance $ 724 Monthly payment - Last payment date XX/XX/XXXX Additional Contact info Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Phone number ( XXXX ) XXXX THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT
Consumer complaint received 2023-05-14
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TN)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!
Consumer complaint received 2024-02-29
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: Experian Information Solutions Inc. (SC)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-28
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. (TX)

I submitted a letter to the 3 Credit Bureaus Last XX/XX/2023, to update this suspicious information. I think you have not validated these accounts : XXXX XXXXXXXX Balance : {$27000.00} XXXX XXXX XXXX : {$0.00} XXXX XXXXXXXX Balance : {$1700.00} Consider this as a follow-up complaint to my previous letter and to notify you to validate the aforementioned accounts
Consumer complaint received 2023-05-14
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. (NY)

I did not consent to, or authorize nor benefit from any of the following accounts and information. XXXX and remove it. Please also send me a copy of my updated report with the updated result of your investigation.
Consumer complaint received 2023-05-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Franklin Collection Service, Inc. (MI)

TO : XXXX XXXX : CFPB & FCRA & SCRA RE : Not my address reported by XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX I do not acknowledge this address or debt of inaccurate information on the alleged address. I do not recognize. This information or alleged account is reporting on my credit report. 

I do not recognize the address. 
I have never lived at this address. 
I do not recognize any account related to this address. 

Every that they have reported does not meet the FCRA. I AM EMPLASIZING on 100 % MAXINUM POSSIBLE ACCURACY. 

I am giving you 30 days to verify the 100 % accuracy and validate this alleged information that is false and is negative on my credit report. 

Per the authority of the following Federal and State Laws-Requirements I request the following. 

15 USC 1692 G CFPB 15 USC 1681 2 FCRA 15 USC 1681 I 15 USC 1692 b 15 USC 1681 ( 5 ) 15 USC 1681 e 15 USC 1681 i ( 5 ) 15 USC 1681 B 15 USC 1666 b 15 USC 1692 i I am asserting my right/s under Federal and State FCRA that collection and reporting practices act. 
And including those rights because I have disputed this debt in writing within 30 days of receipt of your Initial notice. 

If you fail to provide verification of the items above, these items must be deleted. Failing to report Information correctly violates the fair credit reporting act. 

XXXX XXXX XXXX
Consumer complaint received 2023-02-28
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. (TX)

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 XXXX XXXXXXXX XXXX  XXXX, Account name : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX  XXXX, has violated my rights. 

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 2023-05-16
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: USCB, Inc. (MN)

I requested they send me everything they have from centracare to validate the debt and to also make sure certain Hippa protected information wasnt sent to them also as part of the collection. I have not heard a word back from them. They are in violation because they have not sent me requested information. Also my last name changed after the service was performed at XXXX. It was Theis and now its XXXX, I divorced last may.
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (OH)

This account is fraudulent. Please remove this off my report. Someone had my social, pictures of ids on dark web and my credit has been beyond messed up. I finally can lock it but please remove this is fraud!! I am back in the process of fixing my credit and for some reason u guys keep closing and reopening the account. Please remove this off my credit report. It's fraudulent. I am in the process of buying a house right now and because of this fraudulent activity i will have to pay a higher APR and my family needs to move ASAP. Please remove these illegal/fraudulent accounts off of my credit report ( XXXX, XXXX, Experian ) PLEASE!!! **They keep closing and reopening two accounts that was fraudulent which keeps causing my score to fluctuate back up and down. Can we please get this removed? XXXX removed these two accounts from my report 9 months ago. I have no clue why I have to keep fighting with XXXX and experian and then they keep reopening and closing a fraudlent accoubnt! PLEASE HELP! PLEASE HELP!!! This is TOTAL IDENTITY THEFT AND I WOULD LIKE THIS REMOVED. I FINALLY INSTALLED XXXX XXXX AND SURE ENOUGH MY INFORMATION WAS ON THE DARK WEB I MEAN YOU GUYS CAN SEE FOR YOURSELF. PLEASE PLEASE PLEASE REMOVE THESE ITEMS OFF MY REPORT SO I CAN LIVE AND GET MY NEW HOUSE PLEASE THANKS! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 would like these fraudulent accounts removed ASAP as this not only hurting my personal score, but hurting my chances of obtaining business credit because fraudulent items was open and is still OPEN on my personal report. Please remove!
Consumer complaint received 2023-08-11
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: EQUIFAX, INC. (FL)

I am urging you to take immediate action to remove the fraudulent inquiries on my credit report, as I did not authorize them and they are causing me great concern. I have provided supporting documents and request that you investigate the matter promptly.
Consumer complaint received 2023-08-11
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: EQUIFAX, INC. (IL)

I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.
Consumer complaint received 2024-02-29
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. (ME)

I have multiple medical collections on my report where it's older then XXXX and has been sold numous times and the credit reporting company refuses to remove it from my report and just say nothing changed
Consumer complaint received 2023-02-28
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. (FL)

Recently i reviewed my credit report and found unverifiable, and inaccurate items that were reported that were not 100 % correct. 

As you know it is against the law to report any information not proven accurate. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 168e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2023-01-16
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. (VA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.