davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-03
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. (GA)

I called the 3 credit Bureaus after I purchased a credit report. After receiving a copy of my report, I saw these UNVERIFIABLE items on my personal profile, I noticed that there was items on my credit report which are misleading to me. I believe they have failed to authenticate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that the items will remove in my credit file as soon as possible. Here are the list of disputed items : XXXX XXXX XXXX ; XXXX XXXX TXXXX XXXX XXXXXXXX XXXX, VA XXXX ; XXXX XXXX XXXX XXXX XXXX, VA XXXX ; XXXX XXXX XXXX XXXX XXXX, MD XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX Balance Owed : {$360.00} ; XXXX Inquiry Date XX/XX/2021 ; XXXX Inquiry Date XX/XX/2021 ; XXXX Inquiry Date XX/XX/2021.
Consumer complaint received 2022-08-03
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. (CA)

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 accounts 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 accounts 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 is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, CA, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX CA, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, OK, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX, and XXXX XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$17000.00}. 

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 2022-08-03
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)

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 accounts 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 accounts 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 is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, CA, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX CA, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, OK, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX, and XXXX XXXX XXXXXXXX XXXX Date opened XX/XX/XXXX Balance {$17000.00}. 

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 2022-08-03
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. (CA)

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 account 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 accounts listed on an id theft report. You are reporting a DELETED account/information from other bureaus. Per FCRA, reporting must be 100 % accurate or IMMEDIATELY REMOVE the negativity.. XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CA, XXXXXXXX XXXX XXXX XXXXXXXX, CA, XXXX, XXXXXXXX XXXX XXXX
Consumer complaint received 2022-08-03
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. (PA)

This is the several times I've complained about being a victim of identity theft. You must remove any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1500.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX
Consumer complaint received 2022-08-03
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)

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 accounts 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 accounts 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 is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, CA, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX CA, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, OK, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX, and XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$17000.00}. 

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 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : Late Payment : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquiry XXXX XXXX XXXX XX/XX/year> Personal Information : NAME : XXXX XXXX NAME : XXXX XXXX EMPLOYER : XXXX XXXX XXXX XXXX EMPLOYER : XXXX XXXX PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX -- XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX PREVIOUS ADDRESS XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX : XXXXXXXX XXXX EMPLOYER : XXXX XXXX EMPLOYER : XXXX  EMPLOYER : XXXX XXXX XXXX
Consumer complaint received 2022-08-03
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)

In pursuit of the Fair Credit Reporting Code 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information, I am requesting that Trans Union delete the information they are reporting. I have not been formerly notified, nor given the opportunity to direct that such information not be disclosed to such third party ; Trans Union. This unauthorized reporting of non public information to a third party agency is implicitly prohibited by the Fair Credit Reporting Act. Furthermore, I am formally revoking any insinuated or direct permission for the companies listed below to furnish any information about me to Trans Union, which is a third party company. Because of this, I am requesting to exercise my right to privacy and fair credit reporting practice - 15U.S. Code 1681 ( a ) ( 4 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 

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. 

I am requesting that Trans Union permanently delete these accounts from my profile immediately, as they are in direct violation of the FCRA : XXXX Acct # XXXXXXXX XXXX Acct # XXXX XXXX Acct # XXXXXXXX XXXX Acct # XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX XXXXXXXX Reference Fair Credit Reporting Act : 15 U.S. Code 6802 ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 


15U.S. Code 1681 ( a ) ( 4 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 

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.
Consumer complaint received 2024-10-31
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. (AL)

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-11-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A. (CA)

The account holder 's personal and business checking accounts were illegally accessed and fraudulently debited creating a total realized loss of {$28000.00} for the account holder. Perpetrators used online and telephonic means to illegally gain access to the personal checking account and effected a transfer from the personal checking account to the account holder 's business checking account and then initiated an unauthorized wire of {$28000.00} to a 3rd party account at XXXX XXXXXXXX XXXX. Citibank failed to detect and interdict the initial unauthorized personal account access by the perpetrator or the {$20000.00} illegal transfer debiting funds from this personal account and moving them to a business account to increase the total funds illegally appropriated. Citibank did not seek to contact the account holder to confirm such {$20000.00} transfer was authentic and approved. The perpetrator then initiated a wire transfer to illegally steal {$28000.00} from the account holder and Citibank again did not flag this unusual account activity prior to initiation of the wire. However, Citibank does indicate that they imposed a " post no debit '' fraud alert on the account at XXXX, nonetheless this fraud alert and account freeze directive was ineffective as Citibank still released the fraudulent wire at XXXX. The account holder, in an attempt to interdict and prevent fraudulent transfers in their account, immediately visited a Citibank branch and met with a personal and business banker to block and recall all transfers and wires within minutes of when they were initiated. The Citibank representatives falsely assured the account holder that the wire transfer had been intercepted and even if it had not, that an immediate recall had been initiated and the funds would be restored within 48 hours. Both representations have proven patently and knowingly false. Significant additional detail is provided in the account holder 's attached investigation summary. All banking clients of Citibank should be warned that the XXXX  Attorney General filed suit against Citibank on XX/XX/year> alleging that Citibank has failed to undertake commercially reasonable anti-fraud measures, is negligent in alerting account holders to fraudulent activity, is grossly negligent in executing fraud interdiction measures and makes false representations as to the security of customer 's funds and their recovery in instances of account security breaches. Further, the XXXX Attorney General alleges that Citibank willfully fails to perform its obligations under the Electronic Funds Transfer Act to protect and restore fraudulently transferred funds. All Citibank customers should XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX. Citibank N.A. and review the complete allegations of this lawsuit and determine if they are comfortable continuing any banking relationship with Citi.
Consumer complaint received 2022-08-03
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. (FL)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

XXXX  Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 a account without my written instructions.
Consumer complaint received 2022-08-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: U.S. BANCORP (GA)

XXXX via Elan has intentionally given conflicting information that has caused me significant damage to my planning and then paying my bill. The company is not giving consistent information. One rep tells me one thing, then I call back and the other tells me another thing. I pivot my payment strategy one way then have to whiplash back in another direction to make sure I pay the bills correctly. This conflicting information has caused me to miss due dates, causing my rate to skyrocket to predatory XXXX. Reps are paid to confuse the customer, subjecting them to paralysis due conflicting information that creates late fees and overlimit fees.
Consumer complaint received 2022-08-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I have been followig my credit score monthly for years. It has always remained XXXX since XX/XX/XXXX. I have been following it through XXXX XXXX XXXX. On XX/XX/XXXX, I checked my credit score after receiving a notification, and it had dropped from XXXX ( XXXX ) to XXXX. In an attempt to understand the very precipitous drop, I obtained credit reports from all 3 bureaus on XX/XX/XXXX - all indicating that i had exceptional payment history ( with no late payments ), with a credit utilization rate of <30 % on total credit and no recent inquiries, etc. I contacted XXXX on XX/XX/XXXX which was unable to inform me of why the sudden drop. I contacted XXXX  on XX/XX/XXXX but they were reporting that my credit was still XXXX on their website. I then contacted transunion- which informed that the likely reason my credit score had significantly decreased was due to my XXXX  loans ( XXXXDepartment of Education loans ). They stated that : " The balances on your accounts are high compared to the original loaned amounts, lowering your scores... the balance amount paid down on your open installment account is too low '' - TransUnion Credit Score & Analysis ( XX/XX/XXXX ) This is despite me being on a REPAYE plan by XXXX based on my income. After research, our concern is how the rollout of the CARES Act, suspending student loan repayments, might have been misreported by XXXX, leading to a negative event to credit bureaus, and subsequent unfair drops in credit scores ( as reported in Sass and Hounanian v. Great Lakes Education Loan Services, et al ). 

The only other concern they had was that one of the credit cards was utilizing >50 % of the credit utilization rate- but they did not believe this accounted for the significant XXXX point drop in my credit. Also, since XX/XX/XXXX when I saw the credit drop, we have paid a significant portion of that credit card off, as to remain <30 % utilization. 

We are in the process of applying for a XXXX  loan to buy our first house and, with no answers why from the credit bureaus, this has singificantly impacted the process.
Consumer complaint received 2024-11-01
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. (SC)

I am writing to formally dispute an error on my XXXX credit report related to my account with XXXX XXXX XXXX, which is in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, et seq. This error has incorrectly impacted my credit profile and caused undue harm, and I demand immediate rectification. 

Despite my consistent payment history and the fact that TransUnion and XXXX accurately reflect my account status as " Paid as Agreed, '' XXXX continues to report this account inaccurately. I have never missed a payment with XXXX XXXX XXXX, and this misinformation is not only erroneous but also a clear violation of my rights under federal law. Under the FCRA, credit reporting agencies are required to ensure maximum accuracy ( 15 U.S.C. 1681e ( b ) ), and XXXX has failed to meet this standard. 

This inaccurate reporting has caused significant frustration and potential financial harm, impacting my credit score and reputation unfairly. I am requesting that XXXX immediately update my credit report to reflect the correct account status of Paid as Agreed, Never Late ( PAANL ). XXXX continued reporting of this account inaccurately is not only in direct violation of the FCRA but also constitutes a breach of my rights under the U.S. Code. 

Furthermore, I request that the Consumer Financial Protection Bureau ( CFPB ) investigate this matter and hold XXXX accountable for failing to uphold the FCRAs standards. This discrepancy on my report is unacceptable and must be corrected without delay to prevent further harm. If immediate action is not taken, I am prepared to escalate this matter further, as I have every intention of enforcing my rights under the law. 

Please confirm in writing that XXXX has updated my report to reflect the accurate account status. I request a resolution of this matter within the 30-day period stipulated by the FCRA for consumer disputes.