davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''
Consumer complaint received 2023-04-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

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

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. Or list of inquiries 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 2023-04-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIZENS FINANCIAL GROUP, INC. (VA)

Citizens failed to close my account as instructed, back when I had brought my account balance to XXXX. That allowed merchant XXXX to continue charging my card despite my instructions not to. Due to Citizens ' failure to close my account as instructed, XXXX was able to post another {$30.00} to my card. I reported the unauthorized charge to Citizens and reiterated my instruction to close the account. Instead, Citizens piled on its own fees and charges, nearly doubling the purported balance up to {$59.00}. Citizens stubbornly continues attempting to collect this alleged debt that I do not owe. Citizens seems determined to keep allowing and imposing charges for which I am not responsible.
Consumer complaint received 2023-04-18
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: ALLY FINANCIAL INC. (IL)

I have repeatedly requested copies of lean release letters five times since XX/XX/23. I received a copy that omitted the correct and complete make and model of the vehicle after the second request. Illinois DMV rejected the letters to obtain replacement titles because the make and model listed on the documents are incorrect. I have requested corrected copies three times since receiving the copies date XXXX. I am told to wait 7 - 10 business days each time I call.
Consumer complaint received 2023-04-18
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. (NY)

To whom it may concern : The Fair Credit Reporting Act gives me the opportunity to dispute any information on my credit report that I believe is inaccurate. This law requires all data in a consumer 's le be documented and validated before it can be used by creditors, so I take this seriously! The allegations of delinquency and derogatory behavior against me are false. I will ght back with all my strength! Your report accuracy is crucial. The allegations you are reporting do not meet federal or state requirements for reporting, so they can not be conrmed. I challenge this claim because it lacks compliance by meeting some basic standards that would make me feel more condent in what is being said. You are required to maintain and report data with complete accuracy and compliance.You must not report any claims that you know should be in compliance with regulations. We need to make sure all of your claims are accurate and reported in the correct format, as this is required by law ( FCRA ) as well as reporting standards METRO 2+. However, I request evidence that shows why my accounts are considered to be in a negative state. The proof of a permissible purpose for the inquiry or account within my report must be included. This letter serves as notice that you are not doing your job properly. It is imperative for this issue to be resolved immediately, or else there could potentially be serious consequences. I'm giving you 30 days from the date of this letter to resolve this issue, otherwise there could be consequences.I would like to receive physical proof of your actions and my updated credit report. The listed claims appear to be inaccurate. Please provide accurate and veried information for each claim, as the allegations are not true or I'll delete them immediately if that is indeed the case.
Consumer complaint received 2023-04-18
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. (PA)

i asked for the account to be removed because of consumer financial rights and us code violations. 15 usc 1681s-2 ( a ) ( 1 ) ( A ) ( B ) account is being reported on one report with a high credit of 650 on equifax and 914 on other two reports this is inaccurate reporting please delete this inaccurately reported account immediately also the dates last active are not matching this also inaccurate reporting. u acknowledge in a recent letter that u follow the laws and guidelines set forth but the fair credit reporting act so please acknowledge this law from the act 15 usc 1681s-2 ( a ) ( 1 ) ( A ) ( B ) your letter states that credit one bank was accurately reporting when it was not resolution im seeking is deletion of account from all consumer reports
Consumer complaint received 2023-04-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

i asked for the account to be removed because of consumer financial rights and us code violations. 15 usc 1681s-2 ( a ) ( 1 ) ( A ) ( B ) account is being reported on one report with a high credit of XXXX on XXXX  and XXXX on other two reports this is inaccurate reporting please delete this inaccurately reported account immediately also the dates last active are not matching this also inaccurate reporting. u acknowledge in a recent letter that u follow the laws and guidelines set forth but the fair credit reporting act so please acknowledge this law from the act 15 usc 1681s-2 ( a ) ( 1 ) ( A ) ( B ) your letter states that credit one bank was accurately reporting when it was not resolution im seeking is deletion of account from all consumer reports
Consumer complaint received 2023-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Dear, XXXX XXXX XXXX I am writing in regards to my account with your institution. On a previous occasion, I requested proof of XXXX late payments that were reported to consumer reporting agencies, despite my assertion that I was never late on payments for this account. This request was made in accordance with my rights under the Fair Credit Reporting Act. 

In response to this request, I received a response via the Consumer Financial Protection Bureau ( CFPB ) that did not provide the requested documentation to support the reported late payments. As such, I am demanding the immediate removal of all associated late payments from my account. 

As I have previously stated, I have never been late on payments for this account, and I believe that these late payments have been reported in error. I trust that you will conduct a thorough investigation and promptly correct any inaccuracies in my credit report. 

I would also like to request that you provide me with documentation showing the removal of the associated late payments from my credit report in accordance with 15 U.S. Code 1681i ( d ). It is my understanding that any person who has received a consumer report containing the deleted or disputed information within two years for employment purposes, or within six months for any other purpose, should be notified of the deletion. 

Thank you for your prompt attention to this matter. I look forward to a prompt resolution.
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NC)

It is crucial that consumer reporting agencies uphold their grave responsibilities when it comes to the handling of consumers personal credit files. After performing a re-investigation upon my credit file for accounts XXXX XXXX XXXX XXXX pursuant to 15 USC 1681ia1a, your company failed to follow proper procedures in regard to correspondence to me the consumer, in the handling of the reinvestigation.

As clearly outlined within, 15 USC 1681i ( 7 ) ; 15 U.S. Code 1681i - Procedure in case of disputed accuracy Subchapter 7 states the following ; ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a detailed description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description.

Further outlined within 15 USC ( 6 ) ( B ) ( iii ) ; ( 6 ) Notice of results of reinvestigation ( A ) In general A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than XXXX business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency. 
( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available.

The correspondence mentioned above was NEVER made to me and therefore, your company is in direct violation of the FCRA and is now liable for monetary damages detailed within 15 USC 1681n and 15 USC 1681o.

Not only was a proper reinvestigation not performed as the derogatory account mentioned is erroneous to begin with, your agency failed to follow the FCRAs clear rules in the handling of correspondence to me in association with the account in question. Please delete this erroneous account as I have sought legal counsel in this matter and intend on seeking damages associated with this complaint if this issue is not resolved. Thank you for your time.
Consumer complaint received 2023-02-22
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. (PA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I sent the necessary documents in FEDERAL TRADE COMMISSION or https : //www.ftc.gov, So I am here to notify/complain to you directly through this platform. Here are the items that are erroneous in my file and need investigation : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$980.00} XXXX XXXX Balance : {$1400.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$3100.00} XXXX XXXX  I XXXX Balance : {$1600.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$280.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$3000.00} XXXX XXXX Balance : {$3000.00} 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
Consumer complaint received 2023-02-22
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. (IL)

I AM A VICTIM OF IDENTITY THEFT. I SENT COPIES OF MY OFFICIAL POLICE REPORT AND DISPUTE LETTERS OF THESE ACCOUNTS BY CERTIFIED MAIL SEVERAL TIMES TO THE CREDIT REPORTING AGENCIES, HOWEVER THE ACCOUNTS ARE STILL REPORTING WITH NO DELETION OF THESE FRAUDULENT ACCOUNTS. ACCORDING TO THE FAIR CREDIT REPORTING ACT I HAVE RIGHTS UNDER 15 USC 1681 THAT HAVE BEEN VIOLATED. THESE ACCOUNTS LISTED BELOW HAVE VIOLATED THE FOLLOWING LAWS LISTED BELOW XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX 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 : states a consumer reporting agency can not furnish an account without my written instruction.

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, 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 or has reasonable cause to believe the information is inaccurate.
Consumer complaint received 2023-02-22
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)

XXXX has failed to comply with the Gramm Leech Biley Act 15 USC 6802. They never gave me the ability to opt out and used my information without my permission, which is identity theft.

There was also no Permissible purpose for this Account # XXXX to be listed on my credit report. Both permissible purpose law ( 15usc1681b ( A ) ( 2 ) and the GLBA have been violated and it is identity theft.

According to 18 USC 1028 ( a ) ( 7 ), it defines identity theft which is just someone possessing, transferring or using a means of identification of another person unlawfully. This is what took place. 

TransUnion, XXXX, XXXX and XXXX " regularly engage in whole or in part in the practice of assembling or evaluating consumer credit information or other information on consumers for the purpose of furnishing consumer reports to third parties, and which uses any means or facility of interstate commerce for the purpose of preparing or furnishing consumer reports.

These companies have all violated either of the two which both constitute identify theft.

I have contacted the Attorney General 's Office, XXXX, FTC and the CFPB numerous times and nothing has been done about the violation of my consumer rights. 

I demand Account # XXXX be removed from my credit report and file or I will be seeking statutory damages since you willfully violated the obligations under the FCRA.
Consumer complaint received 2023-02-22
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. (AL)

I reviewed my Consumer Reports and noticed that there was an inaccurate account ( s ) on my credit report : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Acct # XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  Acct #. XXXX Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer Information to the best of the ability with maximum accuracy.

I contacted " Transunion '' asked for them to investigate & remove the inaccurate accounts from my consumer report that they are illegally reporting and I requested specifically the alleged original application bearing my signature and they have not been able to provide such proof to me.

This is a violation of Fair Credit Reporting Act, and these disputed items may not appear on my credit report if they can't be verified by any evidence or proof. 


Thank you, XXXX XXXX XXXX
Consumer complaint received 2023-02-22
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. (AL)

I reviewed my Consumer Reports and noticed that there was an inaccurate account ( s ) on my credit report : XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) Acct # XXXXXXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  Acct #. XXXX Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer Information to the best of the ability with maximum accuracy.

I contacted " Transunion '' asked for them to investigate & remove the inaccurate accounts from my consumer report that they are illegally reporting and I requested specifically the alleged original application bearing my signature and they have not been able to provide such proof to me. 

This is a violation of Fair Credit Reporting Act, and these disputed items may not appear on my credit report if they can't be verified by any evidence or proof. 


Thank you, XXXX XXXX XXXX
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I am writing to formally dispute the inclusion of the following accounts on my credit report, which I believe are not mine : XXXX XXXX XXXX XXXXXXXX OFFICE OF THE ATTY GEN : XXXX XXXX XXXX XXXX XXXX OAG XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX In accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, Section 602 ( a ), I am entitled to privacy regarding my credit information. These accounts have been reported to credit bureaus without my consent or authorization. Specifically : Right to Privacy : 15 U.S.C. 1681, Section 602 ( a ) states that I have the right to privacy concerning my credit and personal information. The presence of these accounts on my credit report is a clear violation of my rights under this section, as they are not mine and should not have been included. 

Furnishing of Information Without Consent : Under 15 U.S.C. 1681b, Section 604 ( a ) ( 2 ), a consumer reporting agency is prohibited from furnishing an account or credit information without my explicit written instructions. I did not provide any such written consent or instructions for the reporting of the above-listed accounts. 

I request that the Consumer Financial Protection Bureau investigate this matter and assist in ensuring that these erroneous accounts are removed from my credit report. I have attached copies of my credit report and any relevant documentation to support this dispute. 

Thank you for your prompt attention to this matter. Should you require any further information or documentation, please feel free to contact me.
Consumer complaint received 2023-02-22
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)

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.
Consumer complaint received 2023-02-22
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: TRANSUNION INTERMEDIATE HOLDINGS, 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 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, has violated my rights. 

15 U.S.C 1681 Section 602 A, which states I have the right to privacy.

15 U.S.C 1681 Section 604 Sections 2 : Also states that 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 1681 s-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.