davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-02
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. (MN)

To Whom It May Concern, I recently conducted a thorough review of my credit report, and I was deeply disturbed to find several unverifiable, invalidated, inaccurate, and questionable items reported by your organization. These errors are not only unacceptable but have also caused me significant distress. Under 15 U.S. Code 1681e ( b ), your agency is required to follow reasonable procedures to ensure the maximum possible accuracy of the information you report. Additionally, 15 U.S. Code 1681i ( 5 ) mandates that if any disputed information is found to be inaccurate, incomplete, or unverifiable, it must be promptly deleted or corrected. Therefore, if you can not provide verifiable proof of the following items within 15 days, you are required by law to remove them from my credit report immediately. 

Disputed Items : XXXX XXXX XXXXXXXX - XXXX - Your agency is in clear violation of federal law! 15 U.S.C. 1681 Section 602 ( A ) asserts my unequivocal right to privacy. 15 U.S.C. 1681 Section 604 ( A ) ( 2 ) declares that a consumer reporting agency must not release any account information without my explicit, written consent. 15 U.S.C. 1681c ( a ) ( 5 ) mandates that a consumer reporting agency must not include any adverse information older than seven years, except for criminal convictions. 15 U.S.C. 1681s-2 ( A ) ( 1 ) prohibits any person from providing a consumer reporting agency with information they know or should know is inaccurate. DELETE this immediately! 

XXXX XXXX - XXXX - Your agency is in clear violation of federal law! 15 U.S.C. 1681 Section 602 ( A ) asserts my unequivocal right to privacy. 15 U.S.C. 1681 Section 604 ( A ) ( 2 ) declares that a consumer reporting agency must not release any account information without my explicit, written consent. 15 U.S.C. 1681c ( a ) ( 5 ) mandates that a consumer reporting agency must not include any adverse information older than seven years, except for criminal convictions. 15 U.S.C. 1681s-2 ( A ) ( 1 ) prohibits any person from providing a consumer reporting agency with information they know or should know is inaccurate. DELETE this immediately! 

XXXX XXXX XXXX  XXXX - Your agency is in clear violation of federal law! 15 U.S.C. 1681 Section 602 ( A ) asserts my unequivocal right to privacy. 15 U.S.C. 1681 Section 604 ( A ) ( 2 ) declares that a consumer reporting agency must not release any account information without my explicit, written consent. 15 U.S.C. 1681c ( a ) ( 5 ) mandates that a consumer reporting agency must not include any adverse information older than seven years, except for criminal convictions. 15 U.S.C. 1681s-2 ( A ) ( 1 ) prohibits any person from providing a consumer reporting agency with information they know or should know is inaccurate. DELETE this immediately! 

XXXX XXXX XXXX - XX/XX/year> - Unauthorized hard pull, where did you get this misleading information? This is unfair! DELETE!
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: TRANSUNION INTERMEDIATE HOLDINGS, 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 2020-08-24
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc. (FL)

From XXXX XXXX to XX/XX/XXXX I have several uncompleted transactions from cash app the money was sent and receive but cash app hold it and refuse to completed the transaction I have called and email cash app from the app and from email in several occasion problem not resolve my bank can not help me cause they do not see any deposit from cash app cash app only deposit a few transaction to my checking not all XX/XX/XXXX from XXXX XXXX {$150.00} not completed, XX/XX/XXXX XXXX {$500.00} not completed, XX/XX/XXXX XXXX XXXX XXXX {$500.00} not complete, XXXX XX/XX/XXXX {$500.00} not completed, XXXX XXXX XX/XX/XXXX {$500.00} not completed XXXX XXXX XX/XX/XXXX {$1.00} not completed total of {$2100.00} for XX/XX/XXXX For XXXX XX/XX/XXXX XXXX XXXX {$30.00} XXXX XXXX XX/XX/XXXX {$35.00} not completed XXXX XXXX XX/XX/XXXX {$21.00} not receive XX/XX/XXXX XXXX XXXX {$20.00} not completed, XXXX XXXX XX/XX/XXXX {$20.00} not completed, XX/XX/XXXX XXXX XXXX {$50.00} not completed XX/XX/XXXX XXXX XXXX  {$150.00} not completed XX/XX/XXXX XXXX XXXX {$150.00} not completed XXXX XXXX XX/XX/XXXX {$40.00} not completed total of {$520.00} for XXXX all together will be {$2600.00}
Consumer complaint received 2024-08-19
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.
Consumer complaint received 2024-08-21
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. (MO)

To Whom It May Concern : XXXX am writing to dispute the following incorrect information on my credit report : [ XXXX XXXX ]. Fair Credit Reporting Act violation of XXXX XXXX, and XXXX XXXX for investigations and the XXXX XXXX XXXX B. 15 USC 1681s-2 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. 15 U.S.C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions. 
This item is currently showing inaccurately on my credit report filed with your credit bureau. 
Pursuant to XXXX XXXX. XXXX ( i ) ( XXXX ), I am requesting that this disputed item be removed permanently from my credit report immediately. This statute states that any agency which fails to maintain any record with accuracy, relevance, timelines and completeness as is necessary to guarantee fairness in any determination shall not use such record. 
Please contact me at XXXX XXXX XXXX XXXX XXXX below to let me know that you have corrected my credit report by removing the disputed item within the next XXXX days as stipulated by the Fair Credit Reporting Act. 
Thank you for your assistance in correcting this erroneous information on my credit report. 

Sincerely, [ XXXX XXXX ] [ XXXX XXXX XXXX XXXX XXXX ] ( XXXX )
Consumer complaint received 2024-09-04
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. (PA)

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 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 2024-08-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

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 2024-08-29
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: EQUIFAX, INC. (IL)

I submitted a credit repair request to a company, but they still failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB to address the situation and protect my rights as a consumer.
Consumer complaint received 2024-09-02
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. (GA)

I am submitting this complaint against the credit bureaus due to their continuous failure to address my dispute letters concerning inaccurate information on my credit report. Despite multiple attempts to resolve this issue through the appropriate channels, the credit bureaus have not acknowledged or investigated my disputes, as required by the Fair Credit Reporting Act ( FCRA ). 

Even after multiple submissions, the credit bureaus have failed to provide any response, confirm an investigation, or correct the disputed information. This lack of action clearly violates the FCRA, which requires credit bureaus to investigate disputes and respond within 30 days.
Consumer complaint received 2020-08-21
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (TX)

I had a question with my cash app so naturally I thought that they had a customer service #. So I found a number that was associate with the Cash App name and Logo on XXXX and I called it the number is XXXX and this number is still available online. I called them and they told me that they needed me to log on to my android phone so I downloaded it. They logged on to my phone and gained access to my cash app and told me that they need to put in a code of numbers to correct the issue. They put in {$530.00} and sent it to XXXX XXXX. tag ID : $ XXXX then they put in the amount of {$770.00} to XXXX XXXX. tag ID : $ XXXX and another amount of {$870.00} also I questioned them repeatedly and they assured me that the money would return and that this was just a code. Then when the transactions completed they hung up. I called back and they went in my phone to try to cancel the transactions. I was robbed for {$2300.00} dollars and am struggling with bills and about to go crazy! How can a fake company use another company as big as Cash Apps name logo and be on XXXX to steal peoples money and not be taken down from the internet?
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

Greetings. This complaint is in reference to unauthorized information reflected on my credit reports with XXXX and Transunion. Each of the following companies provided me with a Privacy form that clearly outlined what information could be limited in regards to the sharing of my personal information. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Each privacy notice for the disputed companies clearly state : Federal law gives you the right to limit only sharing for affiliates everyday business purposes information about your CREDIT-WORTHINESS affiliates from using your information to market to you sharing for nonaffiliates to market to you State laws and individual companies may give you additional rights to limit sharing.

These companies are not authorized to share my information with affiliates or non-affiliates. In accordance with the Privacy Forms provided, Affiliates are companies related by common ownership or control. They can be financial and non financial companies. Nonaffiliates are companies not related by common ownership or control. They can be financial and non financial companies. 

XXXX and Transunion are non-affiliates by each company 's definition. Furthermore, each Privacy form provides a method to limit such sharing. I have followed the instructions per the Privacy forms and called and confirmed with each company that information about my CREDIT-WORTHINESS is NOT to be shared. Each company has confirmed that the necessary steps were taken, however these companies are still showing up on my credit report. This is a blatant violation of federal law and my rights as a federally protected consumer. I have attempted multiple disputes with XXXX and Transunion yet no changes have been made. 
The activities of the mentioned furnishers have compromised the accuracy and integrity of information furnished to the consumer reporting agencies. By not honoring my request to limit the sharing of information regarding CREDIT-WORTHINESS, the companies are furnishing information that is materially misleading.
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: EQUIFAX, INC. (CT)

Please delete all fraudulent accounts off my credit profile from XXXX, XXXX XXXX and Equifax immediately. 

XXXX XXXX XXXX XXXX  2021 {$4200.00}
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: EQUIFAX, INC. (IN)

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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

Consumer Name : XXXX XXXX Social Security Number : XXXX DEAR Equifax XXXX To Whom It May Concern this is my XXXX Request : I received a copy of my credit report a few days ago and am writing to dispute these items on my report that needs to be corrected. I have circled and numbered the items on the attached copy of the report. The reason why this item should be corrected is indicated below : ACCOUNT NAME : XXXX Open Date : XX/XX/XXXX ACCOUNT NAME : XXXX XXXX Open Date : XX/XX/XXXX ACCOUNT NAME : XXXX  XXXX Open Date : XX/XX/XXXX ACCOUNT NAME : XXXX XXXX XXXX Open Date : XX/XX/XXXX ACCOUNT NAME : XXXX XXXX Via Dealer Open Date : XX/XX/XXXX ACCOUNT NAME : XXXX XXXX XXXX Open Date : XX/XX/XXXX ACCOUNT NAME : XXXX Open Date : XX/XX/XXXX ACCOUNT NAME : XXXX  XXXX  XXXX Open Date : XX/XX/XXXX ACCOUNT NAME : XXXX Open Date : XX/XX/XXXX ACCOUNT NAME : XXXX XXXX XXXX Open Date : XX/XX/XXXX ACCOUNT NAME : XXXX XXXX Open Date : XX/XX/XXXX ACCOUNT NAME : XXXX XXXX XXXX XXXX Date : XX/XX/XXXX I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the previous consumer credit accounts, collections, and hard inquiries result from identity theft and fraud. According to the provision of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], this disputed item must be reinvestigated or deleted from my credit report within 30 days. In the interim, this item should be noted on my credit report as in dispute. I am also requesting the names, addresses, and telephone numbers of individuals you contact so that I may follow up. Also, my last cfpb complaint # XXXX to show I reported this issue multiple times. 


If it is determined through your investigation that the disputed items is inaccurate, please correct my report and send me a notification that the information has been updated. I am requesting an updated copy of my credit report, which should be sent to the address listed above or email. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. 


Thank you.
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I implore you help. On XX/XX/XXXX, I receive 11 notices from XXXX XXXX XXXX  advising me that my Social Security Number was found on the Dark Web. I make it a point to never put my SSN on any websites. Due to the problems, Ive had with TransUnion which required my SSN to insure it was me that created a new account ( which by the way still is not working ) I believe that TransUnion site has been hacked and SSN are being sent to the Dark Web.

I was only attempting to login to Transunion site to insure my account with them was frozen. Again something seems very strange that by providing TransUnion with my SSN its now on the Dark Web. I implore you to due further investigation and advise me as what I can do with this problem.

Im cutting and pasting a copy of XXXX email to me : XXXX, view your Social Security Number alert XXXX, XXXX XXXX detected a match to your Social Security Number.

Alert Found : Social Security Number Potentially Breached Site : XXXX
Consumer complaint received 2024-09-04
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. (PA)

I never gave ( XXXX, XXXX, or TransUnion ) any verbal or written consent to report anything on my consumer report. No consent is XXXX XXXX A copy of the law is attached with this dispute. 
I have not given these companies permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. The offenses amount to XXXX XXXX XXXX pursuant to 18 U.S.C. 1028A. They have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 

These companies also do not have any permissible purpose to furnish my personal information to any third party. 
15 USC 1681b Permissible purpose of consumer reports a. IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Consumer complaint received 2024-08-24
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. (MS)

I'm in still in disagreement with the account listed below which still appears on my credit report, even after your Investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my XXXX XXXX. 

XXXX XXXX XXXX XXXX XXXX  XXXX In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, provide the names and business addresses of each individual with whom you verified above so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I am a victim of XXXX XXXX of Debt bondage. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to 1022.142 ( b ) ( 6 )
Consumer complaint received 2024-09-02
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (WA)

I don't recall having a contractual relationship with this collection company. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2024-08-29
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)

After carefully checking my credit report, I have learned and been shocked that I have been a victim of identity theft, my personal information has been used to apply for a card. I found fraudulent inquiry on my credit report.Please dispute and remove listed fraudulent inquiry from my credit report XXXX XXXX XX/XX/2024 XXXX
Consumer complaint received 2024-08-19
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC. (TX)

I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.