davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-27
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. (MS)

I certify that the information above is true and accurate to the best of my knowledge under penalty of perjury ( under the laws of the United States, if carried out outside the United States ). I further attest that I am authorized to pursue this disagreement under both federal and state law. Additionally, I am aware that major factual misstatements or omissions are a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. These false remarks are also illegal according to 18 USC 1621. There are items in my credit report that have nothing to do with transactions I've ever completed. I claim that someone or some organization utilized my personal identifying information without my consent to apply for goods, services, or money. Please have a senior official from your company certify under penalty of perjury that I received goods or services if you believe I obtained them. Please have a senior official from your company certify under penalty of perjury that I received goods or services if you believe I obtained them. These businesses are breaking the law by doing these aggressive inquiries and adding these unauthorized accounts to my credit report. This has brought about a great deal of unneeded stress and anguish. I did not authorize these accounts or hard inquiries, and they are not mine. Please look into it and promptly remove it from my credit report.
Consumer complaint received 2021-11-09
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. (TX)

I filed a dispute with the creditors due to invalid information on my credit report and there was no response within the 30 days. Per the companys policy I would like these items removed off my credit report due to companies not responding in a timely manner.
Consumer complaint received 2021-11-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

This is XXXX XXXX XXXX who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by Equifax. The inaccurate information about my account is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non- compliance with federal statutes.
Consumer complaint received 2021-11-10
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: I.C. System, Inc. (CA)

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Report. 

This account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to XXXX and XXXX Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

Months ago, I have sent a letter to the three credit bureaus asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 

XXXX  XXXX XXXX Balance : {$3900.00}
Consumer complaint received 2024-07-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (PA)

Hello, my name XXXX XXXX XXXX XXXX. I have recently reviewed my credit report and came across multiple inaccuracies on my credit report. The following information doesnt belong to me. Please correct them immediately as i am unable to verify my identity because of this. I am a victim of identity theft and didnt make these charges. I provided a copy of the FTC report, it was reported to the federal trade commission please remove to correct my credit report thank you for your time.
Consumer complaint received 2024-07-26
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: Experian Information Solutions Inc. (GA)

To Whom It May Concern, After pulling a copy of my Consumer credit report I noticed that your agency is in multiple violations and Im entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by a consumer ( Inquires ) - ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer under subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person or ( B ) ( i ) The transaction consists of a firm offer of credit or insurance.

( 3 ) INFORMATION regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.

Under FCRA 15 U.S. Code 1681n ( b ) ( B ) in the case of liability of a natural person for obtaining a consumer report under pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ( 2 ) such number of punitive damages as the court may allow. I did not initiate any of these inquiries furthermore if you feel like I did please send me copies of my written signature giving consent to this matter please. The items below should all be removed from my consumer report under 15 US Code 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ). 

XXXX XXXX - XX/XX/XXXX - Unauthorized hard pull, where did you get this misleading information? This is unfair! DELETE! 

XXXX XXXX XXXX XXXX XXXX  - Unauthorized hard pull, where did you get this misleading information? This is unfair! DELETE!
Consumer complaint received 2021-11-09
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (FL)

On XX/XX/21 I was approached and had my phone taken by 3 men who started CashApp multiple transactions to XXXX XXXX and XXXX XXXX for a total of {$1800.00}. By the time Id gotten my phone back the transactions hadnt been completed so I immediately reported the issue to CashApp. Instead of preventing the transactions they authorized them and allowed them to go through. I brought the issue to my bank who brought it to XXXX and gave me temporary credit. Upon XXXX investigation and communication with CashApp they were told by CashApp Id given clearance. But I have photo evidence that was not the case. The bank took the credit back and then some to cover deficit funds leaving me nearly penniless.
Consumer complaint received 2017-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

This derogatory mark on my report does not belong to me. I 've never heard of this business it must have been identity theft or some other error. XXXX XXXX XXXX, Opened XXXX XXXX, 2016
Consumer complaint received 2021-08-27
Product: Credit reporting, credit repair services, 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. (NJ)

To Whom It May Concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : { XXXX XXXX XXXX/XXXX/XXXX } { XXXX XXXX XX/XX/XXXX } { XXXX  XX/XX/XXXX } I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number.

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.
Consumer complaint received 2021-11-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Santander Consumer USA Holdings Inc. (PA)

Santander Consume USA is reporting on my credit report as a past due balance on an auto loan that was totaled. Santander entered a class action law suit. Santander practiced predatory loans to consumers in several states including the state that my loan originated from which is Pennsylvania. I sent a letter to Santander Consumer USA on XX/XX/2021 asking them to remove this loan because for one, I am apart of the consumers that are to receive proceeds from this lawsuit and two, Santander is still reporting a past due balance on a charged off collection account which is a violation under the FCRA. Santander has yet to respond to my request. Please have this account removed as I am in the process of buying a home.
Consumer complaint received 2024-09-11
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 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

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 and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

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 and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2021-11-09
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. (NJ)

I've informed TransUnion via the CFPB on XX/XX/XXXX and via the USPS certified mail on XX/XX/XXXX that I have become a victim of identity theft. There are accounts on my report which do not belong to me. These accounts are hindering me from obtaining new credit and thus causing me much hardship and discouragement. 

I sent a dispute notice with supporting documentation, i.e ; FTC Report, Police report, etc., yet the fraudulent accounts remain on my consumer report. I have received a USPS return receipt signed by TransUnion LLC on XX/XX/XXXX, which is proof that TransUnion has received my dispute and that I do Not agree with the response from TransUnion via the CFPB. 

The fraudulent accounts on my consumer report are inaccurate and have not been validated, pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA or removed pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ). Each time and most recently on XX/XX/XXXX TransUnion has responded by stating that an investigation with the furnisher of the information has been initiated and when the furnishing company provides their findings, they will send those results to me. As of XX/XX/XXXX TransUnion has not provided me with those results nor procedurally proper validation of the debt ( s ). A copy of the consumer credit contract and/or bill is not sufficient to validate the debt. Validation requires presentment of the account and general ledger statement signed and dated by the party responsible for maintaining the account

. Pacific Concrete F.C.U. v. Kauanoe, 62 Haw. 334, 614 P.2d 936 ( 1980 ), GE Capital Hawaii , Inc. v. Yonenaka 25 P.3d 807, 96 Hawaii 32 , ( Hawaii App 2001 ), Fooks v. Norwich Housing Authority 28 Conn. L. Rptr. 371, ( Conn. Super.2000 ), and Town of Brookfield v. Candlewood Shores Estates , Inc. 513 A.2d 1218, 201 Conn.1 ( 1986 ). and Solon v. Godbole, 163 Ill. App. 3d 845, 114 Ill. Dec. 890, 516 N. E.2d 1045 ( 3Dist. 1987 ). Pursuant to 12 CFR Part 1022 Subpart M 1022.120 1022.129, TransUnion is in violation by not responding to my notice of Identity theft within 30 days.
Consumer complaint received 2024-07-26
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Bridgecrest Acceptance Corporation (NJ)

My regular car payments are due on the XXXX of the month. 

I was behind a car payment which I made on XXXX in the amount of XXXX which is what the system prompted me to make. Early this morning I saw the car was being taken by a repo agent whom I reported I already made a payment as the system stated if a payment was not made before XX/XX/year> the car who be up for repo. Due to unemployment and delayed employment I was unable to make a more sooner payment. Now I am seeking to -obtain my vehicle in which two payments were made. In order for me to work I need my vehicle. There was only 1 payment outstanding-now there just the XX/XX/XXXX payment due. I need help.
Consumer complaint received 2019-12-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

Sometime in 2016 I had A Credit Card Account with XXXX. I Paid The Card Off And Closed the Account. XXXX Is Reporting To Experian That Credit Grantor Closed The Account, While at the same time Reporting o XXXX   And XXXX That The Account Was Closed At Consumers Request.
Consumer complaint received 2024-07-26
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: Experian Information Solutions Inc. (FL)

I am writing to formally dispute unauthorized inquiries that appear on my credit report, as well as to assert my rights concerning the documentation you may request from me in relation to this dispute. 
Upon reviewing my credit report, I have identified the following unauthorized inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -- - I did not authorize these inquiries, and I believe they have been made in error or without my knowledge or consent. As such, I request that you investigate these inquiries and remove them from my credit report if they are found to be unauthorized. 
Furthermore, I would like to assert that, under the Fair Credit Reporting Act ( FCRA ), I am not required to provide an FTC report or a Police report to dispute inaccuracies on my credit report. The FCRA mandates that credit reporting agencies must conduct a reasonable investigation upon receiving a dispute from a consumer, without placing undue burdens on the consumer. Demanding an FTC report or a Police report as a prerequisite for investigation my dispute is not only unnecessary but also places an undue burden on me as a consumer. 
I expect you to adhere to the FCRA 's guidelines and conduct a thorough investigation into the unauthorized inquiries without requiring any additional reports from me. Failure to do so may result in further ac on on my part to ensure my rights under the FCRA are upheld.

Please acknowledge receipt of this leter and inform me of the steps you will be taking to address my concerns. I expect a response within 30 days, as stipulated by the FCRA.

Thank you for your immediate attention to this mater. I trust that you will handle this dispute with the seriousness and urgency it warrants
Consumer complaint received 2023-04-27
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. (IL)

I just received a copy of my credit report and to my surprise, I noticed that my right to privacy has been violated. By no means have I given you any permission to report non-public personal information without written consent. Nor have I provided any financial institution, or third party ( collection agencies ) authority to obtain any information. 

In regards to 15 U.S. Code 6802 Obligations with respect to disclosures of personal information ( c ) Limits on reuse of information Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such receiving the third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving the third party, unless such disclosure would be lawful if made directly to such other person by the financial institution. 

I do not consent to any third party obtaining non-personal information without my knowledge or notice. The Fair Credit Reporting Act ( FCRA ) was enacted to protect the confidential information on consumers ' credit reports from misuse, fraud, and theft. It gives consumers the right to ensure that the information on their credit reports is not only correct but private. 

Also in accordance with 15 U.S. Code 1681a Definitions ; rules of construction, ( 2 ) ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title.

Due to the breach of my privacy, I am requesting the following items be Deleted Immediately. 



1. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX Bankruptcy Case Number : XXXX Please remove it from my credit report. 

3. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 

4. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

5. there is some inaccurate information reporting. 
XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 

6. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 

XXXX there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Please ensure that all information is accurate