davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-11-11
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: Velocity Portfolio Group (GA)

XXXX XXXX XXXX Dear XXXX, I have never entered into a contract with the creditor and collection agency listed below. Therefore, I request that this account be removed because it is inaccurate, and not 100 % on my credit report. My next decision will be to file a lawsuit for statutory damages for inaccurate reporting. I have disputed this several times and nothing seems to be done or accomplished. Therefore, I will include XXXX, XXXX, & Velocity into my lawsuit. 

I have requested a copy of the original contract with my original signature. I have requested a copy of the payment history made by me. I have requested the proof of the debt assignment and proof that I legally owe this debt. And lastly, none of these companies supplied back to me what I requested and it has been more than XXXX, which I will include in my lawsuit if not removed from my credit report. And they have never sent me a 1099c because I never entered a contract with this creditor. 

XXXX XXXX XXXX account with account # XXXX opened on XX/XX/year> and a balance of {$0.00}. XXXX FCRA XXXX XXXX, it is illegal to report inaccurate information on my credit report. Please remove this item from my credit report. 15 U.S. Code 1681 ( a ) ....

A consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from theft. The account listed above should not be furnished in my consumer report as it is in VIOLATION!!! Under, 15 U.S. Code 1681 ( b ) - Permissible purposes 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 INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which VIOLATES my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer, I am demanding the deletion of this account. I have not supplied proof under the doctrine of estoppel by silence. XXXX XXXX XXXX ( MO ), XXXX XXXX XXXX, I XXXX presume that no proof of the alleged debt, nor therefore any such debt in fact exists. 

Thank you for your assistance. 

I personally signed and sent this letter. I am NOT being represented by any credit repair agency or third party. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-10-15
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. (AL)

I am writing to express my deep concern regarding several disputed accounts that continue to appear inaccurately on my credit report. Despite my previous attempts to address these inaccuracies and my repeated requests for thorough investigations, I have yet to receive any resolution or corrective action. 

These erroneous accounts are severely damaging my credit file and causing significant hardship in my daily life. The negative impact on my financial standing has been overwhelming, and I am left with no option but to ask for your urgent assistance in rectifying this situation. 

I kindly request that you conduct a thorough investigation into the reporting of each disputed account and take immediate steps to update and correct my credit report. It is critical that this issue is resolved without further delay so that the accuracy of my credit report can be restored, enabling me to regain control over my financial well-being. 

I sincerely urge you to prioritize this matter and take swift action. Your prompt attention and support in resolving this issue would be greatly appreciated. 

Thank you in advance for your understanding and assistance.
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

My account with XXXX XXXX TRANSUNION was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated. They are not in compliance with the following law. 15 USC
1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports
Consumer complaint received 2024-09-05
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. (OH)

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 2024-10-15
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. (CA)

There are unauthorized hard inquires from XXXX. XXXX, XXXX XXXX  XXXX XXXX and XXXX  XXXX XXXX. I did not apply for these credit cards, and called Transunion on XX/XX/XXXX to file a dispute, but they ignored my complaint and the hard inquiries remain.
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: EQUIFAX, INC. (CA)

My information has been exposed in the Equifax data breach. The following accounts, and inquiries are not affiliated with me nor are they authorized by me XXXX VIA XXXX XXXX XXXX, CA XXXX XXXX XX/XX/year> XXXX XXXX CO XXXX XXXX : {$6700.00} XXXX XXXX  XXXX Balance : {$32000.00} XXXXXXXX XXXX  XXXX Balance XXXX {$0.00} XXXX XX/XX/year>
Consumer complaint received 2024-10-15
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. (PA)

Dear CFPB I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit. 

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 USA 1681. The accounts below have violated mi rights. 15 u.s.c 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an 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 them of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.SC 1681s-2 ( A ) ( a ) 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 delete the accounts below.
Consumer complaint received 2024-10-15
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. (FL)

" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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. ''
Consumer complaint received 2024-10-15
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. (TX)

I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.
Consumer complaint received 2024-09-05
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. (FL)

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 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

On XX/XX/year> I sent XXXX, XXXX, and Transunion a dispute about some on my account that have been defaming my character and causing me financial hardships due to the reporting. They have not even attempted to let me know this matter is being worked on.
Consumer complaint received 2024-11-07
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (TX)

There was a fraudulent charge on my credit card back in XX/XX/year>2024 in the amount of {$1200.00} at a XXXX 's superstore. The Citi Credit card didn't even send me a notification whether I recognize this charge or not and the charge went through. Next day, the fraudster charged another {$0.00} at an unknown gas station. Now, the Citi ( Mastercard ) sent me a text asking whether I recognize this charge or not. Immediately, I said that I didn't make that charge. Then, I went to my online account and I found out that the previous amount of {$1200.00} was also a fraudulent charge, which I didn't do. So, I cancelled my old card immediately and asked for a new card and recorded a dispute for that transaction. Now, after 6 months from that and after talking to Citi dispute department over 10 times ( and over 10-12 hours ), they still haven't refunded my money yet. I have talked with their security department, their fraudulent department etc - but of no use. They kept saying that they would let me know their findings. But, not only they never returned any call- they still hasn't resolved the matter. At this point, I am totally frustrated and ready to take a legal action against my credit card company. At a last resort, I wanted to notify this to CFPB with the hope that CFPB will be able to resolve this for me and I can get my {$120000.00} ( and with interest ) as soon as possible.
Consumer complaint received 2024-09-05
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. (TX)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. XXXX XXXX XXXX BALANCED {$0.00} XXXX CARD XXXX BALANCED {$0.00} XXXX XXXX BALANCED {$0.00} XXXX CARD XXXX BALANCED {$0.00} XXXX XXXX BALANCED {$0.00}
Consumer complaint received 2024-10-14
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. (MI)

Trans union is now on day XXXX of opening an online dispute and closing it days before it was to be evaluated. I have received NO information on any disputes in the mail or online. All my online disputes have been closed without response and no proof for closing has been provided Trans union has violated 611. Procedure in case of disputed accuracy [ 15 U.S.C. 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 - 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 ; When provided with XXXX report its clear multiple accounts Transunion has reported are both old and fraudulent, accounts have all beeen reported to FTC and Transunion has evaluate or resolve any issues. When mailed information Transunion has disregarded letters and information they are required to use for evaluations. When provided with conflicting information vaulting Transunion attempts to update files instead of remove as legally required. Never once have i requested an update and Transunion has sided with business instead of properly running disputes.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I recently obtained my credit reports. And noticed there collection accounts that I do not recognized. I have never been in agreement to work with them. Can you please provide me with any sort of agreement with any of the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Upon a thorough review of my credit report, I have identified multiple errors that have adversely affected my credit score. These errors are not a true reflection of my credit history, and I believe they may have resulted from clerical mistakes, identity theft, or outdated information. I am requesting that these inaccuracies be promptly investigated and removed to ensure my credit report accurately reflects my financial responsibility. The incorrect information has caused undue harm to my credit score, which can affect my ability to secure credit and other financial opportunities. I trust that you will address this matter with the urgency it requires and make the necessary corrections.
Consumer complaint received 2024-10-15
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. (TX)

I am seeking your assistance regarding this incorrect account being listed on my credit report. This issue has negatively impacted my reputation, and I need your support to resolve it. Your mishandling of my report has greatly affected me, and this mistake has tarnished my reputation. You must take action to remove this incorrect information from my credit report.
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant XXXX  and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.
Consumer complaint received 2024-10-14
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)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-10-14
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)

I wanted to share a frustrating issue I'm dealing with. My credit profile keeps getting mixed up with someone else 's, and no matter what I dolike filing an FTC report and contacting creditorsit just won't get fixed. Here are the accounts : Please review and remove these fraudulent 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I've read up on my rights under the FCRA, especially Sections 609 and 611, and it feels like those rights are being ignored. I've reached out to the credit bureaus multiple times, but nothing has changed. 

Just needed some help
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

XXXX reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I have a lot of accounts and inquires on my consumer that are not there as a result of effort. I am resubmitting this report because the credit agencies are stating I did not send proof of identity, and the identity theft report submitted with the last complaint don't look real. So, I am sending proof of identity on this platform so there should be no excuses on why the items are not removed.
Consumer complaint received 2023-04-26
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 REVIEWED MY CONSUMER CREDIT REPORT AND NOTICED THAT I HAD MULTIPLE LATE PAYMENTS ON MULTIPLE ACCOUNTS THAT I WAS NEVER LATE FOR. CONSUMER REPORTING AGENCIES HAVE ASSUMED A VITAL ROLE AND HAVE A RESPONSIBILITY TO REPORT CONSUMER INFORMATION TO THE BEST OF THEIR ABILITIES WITH MAXIMUM ACCURACY. I HAVE NEVER BEEN LATE WITH PAYMENTS FOR THE ACCOUNT ( XXXX  XXXX XXXX ) acct # XXXX XXXX XXXX XXXX XXXX XXXX ) acct # XXXX ( XXXX XXXX XXXX ) PLEASE INVESTIGATE AND PROVIDE PROOF WITH STATEMENTS SHOWING THAT THESE PAYMENTS WERE LATE. IF PROOF CANT BE PROVIDED I DEMAND THESE PAYMENTS BE UPDATED TO ON TIME AS THEY SHOULD BE AS I WAS NEVER LATE.