davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I have an account opened on my credit report that does not belong to me and is being reported as negative on Equifax, XXXX and XXXX. 

The account is as follows : XXXX XXXX XXXX XXXX  Account Number : XXXX The account has been closed as of now, but it was never opened by me. 

I have tried to ask Equifax, XXXX and XXXX to remove it from my Credit Report as it's affecting my credit history negatively. I have sent them XXXX letters asking them to remove the negative information from my Credit Reports. There is a completely illegitimate address also associated with that account, which furthermore shows I have not opened this account and the Creditor has not provided any proof of the card application or anything with my signature.
Consumer complaint received 2024-08-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2024-08-15
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. (KY)

Please remove the following Fraudulent hard inquiries from my credit report : The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 
XXXX XXXX XXXX XX/XX/2022 TransUnion XXXXXXXX XXXX XXXX XXXX XX/XX/2022 TransUnion XXXX XXXX XXXX XXXX XX/XX/2022 TransUnion XXXX XXXX XXXX XXXX, New XX/XX/2022 TransUnion XXXX XXXX XXXX XXXXXXXX XXXXXX/XX/2022 TransUnion Here I attach, along with the dispute, my fraud report that I just sent to TRANSUNION for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved. I demand that the above inquiries be deleted from my credit file because they are causing irreparable harm to my name and good character as well as my overall credit capacity
Consumer complaint received 2024-08-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (CA)

Thank you for taking the time to read this complaint. I'm sure you have many complaints sent to you, so I'll try to make this brief. I attempted to dispute a 30-day late payment on my mortgage that I don't believe is really my fault with XXXX, Equifax, and XXXX XXXX back XXXX XX/XX/XXXX. I never heard anything from any of the companies. I figured maybe the mail got lost or something. 

On XX/XX/XXXX, I try again, only this time I send them in certified to keep track of the mail. I also sent it certified as I sent a copy of my license and my social security card, and I wanted to make sure my info got to its destination safely. This time I got a response very fast. Unfortunately, it was just notices saying they wanted me to send them more info or that the companies don't think it was sent by me or an authorized representative. 

I don't know what's going on, but I was under the impression credit bureaus were obligated to ensure my credit report was accurate upon request. Why am I having to wait more than 4 months to simply be told something along the lines of " we don't think this is from you, so we aren't doing anything. '' I'm not about to waste time or money sending them a third notice so they can do what I asked them to do back in XXXX. They need to investigate the XXXX XXXX account as I do not believe the 30-day late payment is correct or that it is my fault. Please help me to obtain an investigation on this matter promptly.
Consumer complaint received 2024-08-15
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. (TX)

I am a victim of XXXX  The information listed below, which appears on my credit report, is the result of that XXXX 

Account Name : Account Name : XXXXXXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX FCU : Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number XXXX XXXX  Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX  Account Number : XXXX Account Name : XXXXXXXX XXXX  : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX  Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Unauthorized Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-09-13
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. (LA)

While reviewing my consumer report I noticed that I had two late payments on an account that I wasn't late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I've included screenshots of the said dates I was allegedly late XX/XX/year>. Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided, these payments should be updated to paid as agreed on time providing accuracy in the reporting. Thanks, and see screenshot attached. 

15 USC 1681e : Compliance procedures ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
Consumer complaint received 2024-08-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Hello and good day, please read my complaint carefully. This has been already deleted by XXXX and XXXX so I don't know why you keep reporting this on my credit report which is absolutely frustrating, my new credit applications are getting denied because of this. This is a blatant violation of my rights as a consumer and also to my right to privacy. I never gave permission for this information to be reported on my credit report. Information reported is not accurate, this is hurting my credit score and impacting my life negatively.
Consumer complaint received 2024-09-13
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. (NY)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2024-08-19
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. (NJ)

The Fair Credit Reporting Act ( XXXX XXXX Code XXXX ) says ( XXXX ) 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. 

This is a violation of both XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX XXXX. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under XXXX XXXX XXXX XXXX, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2024-08-15
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. (OH)

This letter is a request of the steps that your company took when investigating the disputed item. Please send me a detailed explanation of how you obtained theses results. Did you receive written notification from the company or was it a verbal confirmation? 
Also, I would like the address you mailed the request to or the phone number you used to contact them. Please do not send me a generalized response showing the normal investigation procedures. I am requesting a detailed explanation of how you received these specific responses. XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-19
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. (IL)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2024-08-08
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2020-07-10
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (GA)

I made an instant Cash App Cash Out Transaction on XX/XX/2020 for my entire cash app balance, which was {$15000.00}, to my new bank account, and was assured that the withdrawal should be completed in 1-3 business days. After waiting 3 days and verifying that all the information was correct, I still had not received my funds. I contacted Cash App support and they refunded me my instant deposit fee of about XXXX XXXX but told me to continue waiting as my remaining funds still had not settle in my account, after reaching out to my bank they told me they received an alert from CashApp saying the funds were to be debited, but they were never released to them, my bank is with XXXX and I have never had any problems receiving money with them before. I reached back out to the Cash App support team and they sent me the XXXX Transaction Details, and instructed me to give XXXX the retrieval reference #, which I did, and XXXX escalated my case to their HQ, which has now informed me that the XXXX Transaction Details that Cash App support gave me is actually insufficient information, and XXXX is not able to locate my funds with that reference number, instead they are asking me for a # that should be recognizable by MasterCard, as the transaction was made on the XXXX ( XXXX ) issuer network, and they have convinced me that there was some kind of error made there. Both Cash App and XXXX  use XXXX  Debit cards so im confused as to what involvement XXXX  might have, but at this point, almost two weeks later, I have received no viable response from Cash App as to what to do next. I was told by multiple Cash App agents that my case had been escalated, but still have not received any follow up. It seems as though it is impossible to speak to anybody over the phone and this entire situation as easily been one of the worst experiences of my life. I have desperately tried reaching out to Square HQ, XXXX XXXX, XXXX, XXXX XXXX XXXX, literally every company I know thats involved w/ Cash App to try to get to the bottom of this situation as I do not know who else to seek help from. To make matters worse, my Cash App account was closed about 3-4 days after my cash out but the funds never even hit my account!!
Consumer complaint received 2020-07-09
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc. (CA)

I am a victim of fraud. On XX/XX/2020, someone accessed my Cash App account without my knowledge or consent. They sent funds from my account to another Cash App account " XXXX   XXXX '' at XXXX XXXX in the amount of {$1500.00}. This was my entire balance. I do not know the account owner " XXXX   XXXX ''. I have never sent funds or recived funds from this account holder. I requested a refund from the account holder, however, the account user did not respond. Cash App has a phone number, however, it states representatives are unavailable. I sent an email to Cash App but did not receive a response. I canceled my Cash App card and have a new account but have yet to receive my balance back from Cash App. It is very difficult to contact anyone at Cash App. 

I attach hereto, a copy of my Federal Trade Commission IdentityTheft Report.
Consumer complaint received 2024-08-15
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. (CA)

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 2024-08-15
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. (KS)

I requested three times back in XXXX, XXXX, and XXXX XXXX XXXX for the inaccurate and false bankruptcy to be removed from my credit reports, and they failed to tell me where they were verifying the information and the only place they could verify was from the court itself which the court does not verify records to credit reporting agencies. Attached Document : My rights have been violated and the credit reporting agencies have violated the FCRA : According to the FCRA, they have violated 3 laws : 1. 15 U.S.C. 1681 ( a ) ( 4 ) Infringed Upon a Consumers Right to Privacy 2. 15 U.S.C. 1681b ( a ) ( 2 ) No Permissible Purpose/ No Written Instruction 3. 15 U.S.C. 1681s ( 2 ) ( a ) Furnishers Must Not Provide Information that They Know to be False and that Can not Be Verified
Consumer complaint received 2024-08-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

I am writing to formally dispute the incorrect information currently being reported on my credit report. Specifically, the balances for two of my accounts are inaccurately reported. 

XXXX XXXX XXXX  My current balance is {$75.00}. However, your report shows a higher balance. 
XXXX XXXX : My current balance is {$0.00}. However, your report shows a higher balance. 
I have contacted both XXXXXXXX XXXX and XXXX XXXX to update my credit report with the accurate balances, but the reports have not been corrected. As a result, I am submitting this dispute through the Consumer Financial Protection Bureau ( CFPB ) to ensure that my credit report reflects the accurate and up-to-date information. 

Attached, you will find a letter from XXXXXXXX XXXX  confirming my current balance of {$75.00}, and a letter from XXXX XXXX confirming my current balance of {$0.00}.
Consumer complaint received 2024-08-15
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)

Subject : Urgent Formal Dispute : Request for Immediate Deletion of Inaccurate Information To Whom It May Concern, I am writing to formally dispute the inaccurate information that has been reported on my credit file by your agency. This letter serves as a formal complaint against the reporting of erroneous late payments associated with my XXXX XXXX account ( Account Number : XXXX ). 
The specific inaccuracies include : XXXX and TransUnion : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 
XXXX : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 
These late payments have been wrongly attributed to my account and are causing significant and unjust damage to my credit score. Despite my attempts to resolve this matter directly with XXXXXXXX XXXX , they have failed to respond within the legally mandated 30-day period as required by 15 USC 1681i ( a ) ( 1 ) ( A ), which governs the procedures for the reinvestigation of disputed information. Their failure to comply with federal law in this regard has forced me to escalate this matter directly to you.

As a consumer, I am protected under the Fair Credit Reporting Act ( FCRA ), which mandates that credit reporting agencies like yours must ensure the maximum possible accuracy of the information contained in my credit report ( 15 USC 1681e ( b ) ). By continuing to report this incorrect information, you are not only violating my rights under the FCRA but also contributing to the ongoing harm to my creditworthiness.
Consumer complaint received 2024-08-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (MO)

I have already reached out to the credit bureaus regarding the inaccuracies on my credit report, but unfortunately, they have not taken the necessary steps to fix them. These errors are significantly impacting my creditworthiness and making it challenging for me to access favorable financial opportunities.
Consumer complaint received 2024-08-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. Under 15 U.S. Code 1681e { b ] Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i [ 5 ] Treatment of inaccurate or unverifiable information [ A ] In general if, after any reinvestigation under paragraph [ 1 ] of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- [ i ] promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and [ ii ] promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Please remove the following items from my credit report, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX