davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-02
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. (MO)

I am submitting this CFPB complaint today to follow up the previous CFPB Complaint I previously submitted on XX/XX/XXXX. Under the Fair Credit Reporting Act section 605b, The Credit reporting agencies are required to remove any accounts and information that resulted due to identity theft. I have been sending dispute letters addressed to the Credit Bureaus but the Credit Bureaus have failed to respond to my letters let alone remove the disputed fraudulent items from my Credit Report. The most recent letter I sent was dated XX/XX/XXXX and I am still waiting for the Credit Bureaus to respond to my letters. By the provisions of the FCRA section 605b, I am requesting that the Credit Bureaus remove the disputed items completely from my Credit Report as soon as possible ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-09-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

This is 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. 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 XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$3500.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2200.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1200.00} 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 2022-09-05
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)

Delete Late payments from XXXX XXXX XXXX from XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, your company is in clear violation of the law under 15 USC 1681b-Permissible purpose of the consumer reports the law Cleary states . ( b ) in Genral subjects to subsection ( c ) any consumer reporting agency may furnish a consumer report the following circumstance and no other. ( 2 ) in accordance with the written instruction of the consumer whom it relates. did I give you written instructions on my credit report? ( A ) Subject to section 1681s-3 of this title any ( i ) reports containing information solely as to transactions or experiences between the consumer and the person making the report. Delete the above late payments from my credit report. failure to respond satisfactorily with deletion of the above referenced account and send out a free copy of my credit report after changes have been made will result in legal actions being taken against your company, for which will be seeking {$1000.00} per violation for : 1.Defamation of Character ( per se ) 2.Negligent Enablement of identity fraud 3.Fair debt collection practices act 15 USC1692g violations 4.fair reporting act 15USC 1681 violations for willful noncompliance- 616. Civil liability for willful noncompliance 15USC 1681n Best regards, XXXX XXXX
Consumer complaint received 2022-09-02
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. (MO)

This is XXXX XXXX submitting this CFPB complaint to request to the Credit Bureaus to properly invetigate and correct the dispute account from my Credit Report. The Credit Reporting Agencies continued to report this account as late and claimed that the account is verified but I did not receive any proof of verification or any document for them to claim that the account is investigated and verified. If the Credit Bureaus ' investigation is really conducted at all, they should have sent me any document as proof of verification! Once again, I AM NOT LATE IN PAYING WITH THIS ACCOUNT! I do not believe I am late on the dates this account reports. Also, I have been keeping my own record of payment and the data this account reports do not match with what I have. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. I am urging the Credit Bureaus to please CONDUCT ANOTHER INVESTIGATION AND UPDATE THE PAYMENT STATUS OF THIS ACCOUNT! 

XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-09-02
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)

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 items 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 items 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 items which do not belong to me or were opened without my permission : XXXX XXXX ; XXXX XXXX XXXX XXXX, MN XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1000.00} ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; AN # XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX.
Consumer complaint received 2022-09-02
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. (OH)

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 XXXX XXXX XXXX XXXX has violated my rights. 
XXXX XXXX XXXX XXXX  has violated my rights XXXX XXXX # XXXX has violated my rights XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights
Consumer complaint received 2024-08-22
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. (AR)

I am writing to formally dispute the inaccurate reporting of the XXXX XXXX XXXX account # XXXX on my credit report. This account is reported inconsistently across the three major credit bureaus ( XXXX, Equifax, and XXXX ), with the following discrepancies : XXXX : The account is reported as closed, with a date last active of XXXX. 
Equifax : The account is reported as open, with a date last active of XXXX. 
XXXX : The account is reported as open, with a date last active of XXXX. 

Additionally, both XXXX and XXXX have placed this account for collection without my consent. The payment status is incorrectly listed as collection or charge-off. These discrepancies are not only misleading but also potentially damaging to my credit profile. 

Violations of the Fair Credit Reporting Act ( FCRA ) : Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), furnishers of information are required to report accurate information to credit reporting agencies. The inconsistent reporting of this account, including the incorrect dates and statuses, constitutes a violation of this section. Furthermore, the FCRA mandates that credit bureaus ensure the accuracy and integrity of the information they report ( 15 U.S.C. 1681e ( b ) ). 

Violations of the Fair Debt Collection Practices Act ( FDCPA ) : The placement of this account for collection without my consent violates the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692e, which prohibits false or misleading representations in connection with the collection of a debt. The incorrect collection status also violates 15 U.S.C. 1692f, which prohibits unfair practices in the collection of debts.
Consumer complaint received 2024-08-23
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: 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 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Hard inquiries that are not my mine I did not approve an needs too 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 Are the dates of unauthorized inquiries
Consumer complaint received 2024-08-22
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. (AR)

I am writing to formally dispute the inaccurate and inconsistent reporting of the XXXX XXXX XXXX XXXX account # XXXX on my credit report. This account is reported with significant discrepancies across the three major credit bureaus, which are misleading and damaging to my credit profile. The following inconsistencies have been identified : High Credit : XXXX : {$25000.00} TransUnion : {$25000.00} XXXX : {$0.00} Last Active Date : XXXX : XXXX XXXX : XXXX TransUnion : XXXX Account Status : TransUnion : Paid Profit Loss XXXX : Paid Charge Off XXXX : No status listed Payment Status : XXXX : As Agreed XXXX : Collection or Charge Off TransUnion : Collection or Charge Off Late Payment Status : XXXX : Was 30 Days Late 3 Times, Was 60 Days Late 3 Times, Was 90 Days Late 2 Times XXXX : Was 30 Days Late 3 Times, Was 60 Days Late 3 Times, Was 90 Days Late 21 Times TransUnion : No late payments listed These discrepancies indicate that the information being reported is inconsistent and inaccurate, violating my rights under federal law. 

Violations of the Fair Credit Reporting Act ( FCRA ) : The Fair Credit Reporting Act ( FCRA ) mandates that credit reporting agencies ensure the accuracy of the information reported on consumer credit reports ( 15 U.S.C. 1681e ( b ) ). The inconsistencies in the high credit amount, last active dates, account statuses, payment statuses, and late payment history clearly violate this provision. Additionally, under 15 U.S.C. 1681c ( a ) ( 5 ), accounts that have been charged off or placed for collection must be reported accurately, which is not the case here. 

Violations of the Fair Debt Collection Practices Act ( FDCPA ) : The incorrect reporting of the account status as a collection or charge off, especially when XXXX lists the payment status as As Agreed, may constitute a violation of the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692e, which prohibits false or misleading representations in connection with the collection of any debt. The inconsistent reporting across the bureaus also raises concerns under 15 U.S.C. 1692f, which prohibits unfair practices in debt collection. 

Request for Immediate Action : In light of these violations, I am requesting the immediate removal of the XXXX XXXX XXXX XXXX account # XXXX from my credit report with all three credit bureaus. I also request that you provide me with an updated copy of my credit report reflecting this correction.
Consumer complaint received 2022-09-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate the account ( A ). It is not permissible to fail to validate the reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX  XXXX Balanced Owed : {$0.00}
Consumer complaint received 2020-03-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Block, Inc. (OH)

Square Cash, on their website, states they offer card protection with their Visa Cash Card. 

So I have been using it for purchases as I would any Debit/Credit Card. 

In XX/XX/2020, I had issues with XXXX on not being refunded for items I returned. 

I was refunded some items, but not all. 

I sent Square all the details they asked for. I submitted over 30 pages of proof I am due a refund. 

In the end, they state they will not help me file a dispute despite their website stating they WILL file disputes on your behalf. 

They state since I was refunded for SOME of my returns, they will not pursue it. Even though I am to receive refunds for the charges I asked them to dispute.
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (NV)

This will follow my previous complaint filed on XX/XX/2024 where in I advised the CFPB that even with repeated written requests and letters XXXX or more of the credit bureaus have failed to provide a copy of my annual report and credit score. I do not have a SSN but I do have a Tax ID #, and it is impossible for me to access my reports online or file any disputes online. I can only request reports to be delivered to me by mail which is a very frustrating and time consuming process. My XXXX is not good so calling in is also not a very good option for me. Unfortunately even after filing a complaint and sending in multiple letters to the credit bureaus, I still have not received an updated copy of my full report or scores from any of the XXXX credit bureaus. I also attached a copy of my original complaint because there are several accounts that I do not recognize and I am not sure if the credit bureaus have done anything about this. Also, Equifax keeps sending me notices saying that the can not locate my file, however, I have attached a copy of my Equifax score from XXXXXXXX XXXX so I am not sure how Equifax can say I have no file but XXXX is providing me with a XXXX score from my Equifax report.
Consumer complaint received 2024-10-21
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

Received the following inquiries on my credit report. 
All applications were denied as they believe they were fraudulent. 

XX/XX/XXXX - XXXX XXXX  application came from someone in XXXX, XXXX  XX/XX/XXXX - Capital One Bank application came from someone in XXXX, XXXX XX/XX/XXXX - XXXX XXXX  this creditor would not disclose where the application came from. Though I do have an application ID XXXX. 

XX/XX/XXXX - XXXX XXXX  Consolidated application came from someone in XXXX, XXXX  A police report was filed with XXXX XXXX  regarding the first three fraudulent applications.
Consumer complaint received 2022-09-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MI)

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 ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2022-09-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MO)

Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items 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 any item 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 items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX MO XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX MO XXXX XXXX XXXX  XXXX Balance : {$660.00} ; 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 2022-09-02
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. (PA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2022-09-02
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (FL)

On XXXX XXXX, XXXX, I was informed by a family living off their Cash App card that it wasn't working properly at gas stations and the like. They wanted to test the card to insure it was working correctly as they were making a trip for a XXXX  XXXX for one member of the family. 

On XXXX XXXX, XXXX, at approximately XXXX XXXX. I was sent {$300.00} via CASH APP with instructions to immediately return the {$300.00}. 

At approximately XXXXXXXX XXXX. I immediately sent back the {$300.00} to the same family. 

Both transactions have been confirmed by CASH APP. Neither transaction was confirmed by my XXXX XXXX. 

On XXXX XXXX, XXXX, CASH APP unilaterally entered my bank account and seized a " disputed '' amount of {$300.00} allegedly sent on XXXX XXXX, XXXX. CASH APP has admitted to seeing BOTH transactions and yet claims they are REQUIRED to return monies if there is a dispute with a bank. I inquired of the Bank and CASH APP refuses to disclose. 

I tried to file a dispute and they said I HAD to contact the party in dispute, yet on XX/XX/XXXX, NONE OF THE ABOVE requirement OCCURRED BEFORE unilaterally withdrawing the monies. 

It is my intention to pursue " civil theft '' damages against CASH APP and potential Class Action litigation if this a procedure where other INNOCENT parties have had their bank account unilaterally plundered. If CASH APP can unilaterally claim a " dispute '' allows them to breach your bank account, how many other INNOCENT parties have been harmed by this procedure. It is my intention to make " whole '' all this injured by CASH APP as I have been.