davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-28
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. (VA)

I sent my dispute letters of XX/XX/2023. I told the credit bureaus to investigate every piece of on the accounts I have listed below also I have attached the original dispute letters I sent out as well as the tracking numbers. In accordance with the fair credit reporting act. They stated my accounts were verified how is this possible, if they did not do a proper investigation according to the law on my account, and which I have circled many inconsistencies and inaccuracies on my report from different account numbers, listed dates, balances term, months, and less reported dates that you can see. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 and is grounds under the law for immediate removal! I have attached pictures of my updated monthly report according to the law everything has to be 100 % accurate, it is not. Also, they have my sisters name on my report. How could they have possibly done a thorough investigation? 

Account name- XXXX XXXX XXXX XXXX Account XXXX XXXX Account name XXXX XXXX Account number XXXX Account name XXXX XXXX XXXX XXXX Account XXXX XXXX Account name XXXX XXXX  Account number XXXX Account name - XXXX XXXX XXXX XXXX Account number - XXXX Account name - XXXX XXXX XXXX Account number XXXX Tracking numbers- XXXX XXXX  ) XXXX XXXX XXXX XXXX XXXX XXXX # XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX # ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. Also states a consumer reporting agency can not furnish without my written instructions.

15 U.S.C 1681 section ( 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 for more than seven years.

15 U.S.C Code 1681 to ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy.

15 U.S.C 1681s- 2 ( A ) ( 1 ) A person shall not furnish any information relating to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2017-04-19
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: DISCOVER BANK (FL)

Discover PL has put and account into collections several times for the same account. At one point, Discover PL file d a suit in a court that was more than  XXXX  miles from my home. I had no way to attend, had I known ( I was never contacted or served ). The judge ended up dismissing the  suit. Discover PL continu es to report this account, even though a judge has dismissed. Perhaps they have filed a suit again, I do not know as I have not been contacted, just like before. But no w Discover PL is   reporting to  XXXX  as a delinquent account and as a new open collections account at the same time.  XXXX  allows it because it 's fro m Discover PL.
Consumer complaint received 2023-04-28
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: Experian Information Solutions Inc. (VA)

I sent my dispute letters of XX/XX/2023. I told the credit bureaus to investigate every piece of on the accounts I have listed below also I have attached the original dispute letters I sent out as well as the tracking numbers. In accordance with the fair credit reporting act. They stated my accounts were verified how is this possible, if they did not do a proper investigation according to the law on my account, and which I have circled many inconsistencies and inaccuracies on my report from different account numbers, listed dates, balances term, months, and less reported dates that you can see. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 and is grounds under the law for immediate removal! I have attached pictures of my updated monthly report according to the law everything has to be 100 % accurate, it is not. Also, they have my sisters name on my report. How could they have possibly done a thorough investigation? 

Account name- XXXX XXXX XXXX XXXX Account number XXXX Account name XXXX XXXX Account number XXXX Account name XXXX XXXX XXXX XXXX Account XXXX XXXX Account name XXXX XXXX  Account number XXXX Account name - XXXX XXXX XXXX XXXX Account number XXXX XXXX Account name - XXXX XXXXXXXX XXXX Account number XXXX Tracking numbers- # 1 ) XXXX XXXX XXXX XXXX XXXX XXXX # 2 ) XXXX XXXX XXXX XXXX XXXX XXXX # ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. Also states a consumer reporting agency can not furnish without my written instructions.

15 U.S.C 1681 section ( 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 for more than seven years.

15 U.S.C Code 1681 to ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy.

15 U.S.C 1681s- 2 ( A ) ( 1 ) A person shall not furnish any information relating to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-10-22
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: EQUIFAX, INC. (TX)

I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Please remove all the inaccurate fraudulent accounts as I have no know in any of these. For the company to do what fair and equitable to me as a consumer by removing inaccuracy records on my credit report.
Consumer complaint received 2023-04-28
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: Experian Information Solutions Inc. (VA)

On XX/XX/XXXX, I mailed Experian a certified letter demanding fraudulent inquires be removed due to the date breach and they are refusing to remove inquiries. I have tried to call several times and there was no live person to talk to. These inquiries are damaging my credit report profile insisting I am a high-risk client. My consent was not given at any time for inquires occurred in said letter mailed.
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (VA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Request for Assistance with Experian Dispute Dear CFPB Representative, I am writing to request your assistance regarding an issue I have been experiencing with Experian, one of the major credit reporting agencies. Despite my efforts to resolve this matter directly with them, I have encountered significant difficulties.

I recently discovered that an address that I have never lived at is listed on my credit report. This inaccurate information is negatively impacting my credit score and my ability to
secure credit. I have attempted to dispute this information with Experian multiple times, providing evidence including Driver 's License, Electric Bill, Car Insurance 2 FTC reports with my address listed on there. 

Unfortunately, Experian has not cooperated in resolving this issue. They have either failed to respond adequately to my dispute or have not removed the erroneous address from my report. This lack of cooperation is concerning, as I am committed to maintaining an accurate credit history. 

I kindly request your assistance in addressing this issue. I believe that your intervention could help facilitate a resolution with Experian. I have attached copies of my correspondence with Experian and any supporting documentation for your review. 

Thank you for your attention to this matter. I look forward to your response and hope for a prompt resolution. 

Sincerely, XXXX XXXX XXXX THERE ONLY NEEDS TO BE 1 ADDRESS ON MY REPORT
Consumer complaint received 2023-04-28
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. (NJ)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved 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
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

Section 392.101 of the Texas Finance Code prohibits a third-party debt collector or credit bureau from engaging in debt collection in Texas unless the third-party debt collector or credit bureau has obtained a surety bond and filed a copy of the bond with the Office of the Secretary of State. XXXX XXXX XXXX is not licensed to engage in debt collecting activities in the state of Texas.
Consumer complaint received 2024-11-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: SG and Associates (GA)

I have disputed this account several times in request to receive information from the original creditor. They are listed on my report as the original creditor and that in itself is FALSE. On each occasion I receive no information and the dispute is updated as not changed. This account reappears on my credit report each year with a new date in XXXX and I have had no correspondence with the original creditor or them. With this information I can prove satisfactory payment to the original creditor which is NOT what is listed on my report.
Consumer complaint received 2023-11-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Paypal Holdings, Inc (WA)

Scammer was pretending to be one of my friends on XXXX selling a car. They asked for {$400.00} to hold the car so that noone else could place an offer. I sent the money via XXXX but XXXX said there was an issue processing the transaction. After I told the seller the transfer had failed they called with an accent and asked for an XXXX gift card. This is when I realized that my friends XXXX account had been hacked and this was a scam. I filed a dispute with venmo which came back as denied because I " sent money to the wrong account ''. I advised them that it was not sent to the wrong account, but that the seller had misrepresented themselves as someone I know. Even though XXXX had told me the transaction wasnt able to be processed, it had cleared from my venmo account which means the transactio had truly processed. I tried to explain to Venmo that they had violated regulation E but they denied my claim.
Consumer complaint received 2024-10-18
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. (MO)

XXXX to XXXX I have made a complaint against TransUnion in reference to XXXX account that was being reporting. I have attempted to invoice since removal and receiving my proof of claim. I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance.
Consumer complaint received 2024-10-18
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. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ZIP XXXX DATE : XXXX XXXX XXXX Subject : Request for Removal of Inaccurate Account - Discrepancy with XXXX Dear Sir or Madam, I am writing to you under the provisions of the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S. Code 1681, which guarantees the right to accurate and complete information in credit reports. I am formally requesting the removal of an account that continues to appear on my credit report, despite the fact that XXXX has already deleted this account from its records, creating a clear lack of uniformity and accuracy among the XXXX credit bureaus. 
Account Details : Creditor Name : XXXX XXXX  XXXX Account Number : XXXX INACCURATE INFORMATION AFTER ASKING 5 TIMES TO ACCOMMODATE MY ACCOUNT Under 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), when information in a credit file is found to be inaccurate or unverifiable, the credit bureau is obligated to correct or remove that information. XXXX has fulfilled this requirement and removed the account from my report. However, my report with [ TransUnionXXXX ] still reflects the incorrect information, which constitutes a violation of my right to have an accurate and complete credit report across all credit bureaus. 
Attached to this letter is evidence of a complaint filed with the Consumer Financial Protection Bureau ( CFPB ), which proves that the account in question was deleted from my XXXX report following an appropriate investigation. 
Additionally, I would like to refer to the case of XXXX XXXX TransUnion XXXX ( XXXX XXXX XXXX ), in which the court held that credit bureaus have a responsibility to conduct reasonable investigations when a consumer disputes the accuracy of information on their credit report. In this case, it was determined that inaccurate reporting constitutes a serious violation that can cause financial harm to the consumer, which directly applies to my current situation. 
Therefore, I am requesting the immediate removal of this inaccurate account from your records. The attached evidence confirms that this account has already been deleted by XXXX, and steps should be taken to ensure consistency across all three credit bureaus. 
I look forward to a prompt resolution and the update of my credit report accordingly. Should this inaccuracy not be corrected, I will consider taking legal action under the provisions of the FCRA, including seeking punitive damages for continued noncompliance. 
Thank you for your attention to this matter. I am available to provide any additional information necessary to facilitate this process.
Consumer complaint received 2023-04-28
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: Experian Information Solutions Inc. (FL)

Formerly, I made an investigation regarding some items with inaccurate information and after checking your response I recognized that some items are still incorrect, with a confirmed status. Please correct the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

RE : XXXX Block Request To Whom It May Concern, I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that tXXXX 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$8300.00} Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against TransUnion regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX and XX/XX/XXXX Nature of Complaint : On XX/XX/XXXX, I submitted a dispute to TransUnion disputing a late payment reported by XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment delay due to postal service issues : In XXXX and XX/XX/XXXX, I mailed my payments well in advance, but due to delays with the postal service, the payments arrived late. This delay was beyond my control, and the payments should not have been marked as late, as I acted in good faith to ensure timely payment.

Payment made within the 15-day grace period : Despite the postal delay, my payments for XXXX and XX/XX/XXXX were received and processed within XXXXXXXX XXXX 15-day grace period. As such, this account should not have been reported as 30 days late. 
XXXX Already Removed the Account : After reviewing my dispute, XXXX has already removed the account from my credit report, acknowledging that the late payment was reported in error. This further confirms that the information reported by TransUnion and XXXX is inaccurate. I have attached a copy of my XXXX report showing that the account has been removed.

Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, TransUnion has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report.

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being.

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act.

I also request that the inaccurate late payments entry for XXXX and XX/XX/XXXX be removed from my credit report immediately, as XXXX has already removed it. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NC)

I submitted a complaint last XX/XX/XXXX. Involved Companies responded. Some items are deleted and updated. Some are still reporting. I submitted a complaint dated XX/XX/XXXX and XX/XX/XXXX but it was closed immediately. I am submitting a new complaint hoping that you will not close it immediately, and will now help me regarding the remaining fraudulent items on my credit report. There are still MULTIPLE fraudulent items on my credit report. I have submitted multiple disputes and FTC reports regarding these fraudulent items on my credit report that dont belong to me. I do not have a record of doing business with these companies. These accounts are not mine.