davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP (CA)

US BANK XX/XX/2023 CLAIM XXXX CHECK ACCOUNT XXXX XXXX XXXX XXXX I opened a debit card claim for merchandize not received on XX/XX/XXXX, provisional credit was made a couple of day later and now I saw that was removed. 
I never received any letter on my mail requesting more information or the status for this. 
My mailing address on file is XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX, CA XXXX Also I made a call on XXXX XXXX and didnt provide any information about the case, and they only said we will call you back in 2 days. Im out of the country now so I cant receive calls of my phone. 

On XX/XX/2023 I made 2 purchases for an amount of {$93000.00}, it was a Smartphone XXXX XXXX XXXX each one. 
On XX/XX/2023 I went to the same store to buy 2 more smartphone {$93000.00}. 
At the moment of the purchase the seller didnt have on stock those smartphones at that store, so they will send it from their warehouse to my address, and I should get it not later than XX/XX/2023. 
The seller never sent any information about the shipment or delivery confirmation. 
I tried to reach them several times without any answer starting on XX/XX/2023.
Consumer complaint received 2023-12-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

On XX/XX/2023, I submitted disputes to the credit bureaus about fraudulent accounts. Till date I still havent received any responses or updates to my credit report. 15 U.S. Code 168c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from alleged identity theft, no later than 4 business days after the date of receipt.

These accounts should not be furnished on my consumer report as they are in VIOLATION! Under, 15 U.S Code 1681b - 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 federally protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer, I am demanding the deletion of the accounts listed IMMEDIATELY.
Consumer complaint received 2024-07-25
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. (GA)

I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. 

I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.
Consumer complaint received 2024-07-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2023-12-03
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. (PA)

I XXXX XXXX Currently have one fraudulent account and inquiries appearing on my credit report. 

Account : XXXX XXXX  {$1800.00} Inquiries XXXX XXXX XXXX XXXX XXXX XXXX, XXXX
Consumer complaint received 2023-12-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (CA)

XXXX XXXX XXXXXXXX I demand this be taking off my credit report immediately this is Account number not supposed to be on my report XXXX Open/closed Open Date opened XX/XX/2012 Account type Child SupportContact info Address XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Phone number ( XXXX ) XXXX
Consumer complaint received 2024-07-26
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. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-22
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC. (CA)

I have a basic savings account with Ally Bank. They recently closed the account and I have no access to the funds which were approximately ~ {$11000.00}. 

Since they have closed the account, that's fine, I merely want a check for the funds in the account. 

It's been months with no action, just complete the closed account and remit me my funds.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am filing a complaint against XXXX, XXXX and TransUnion for their failure to correct inaccurate information on my credit report despite multiple dispute submissions. The inaccuracies have caused significant harm to my creditworthiness and financial standing. 

I have provided the credit reporting agency with detailed information regarding the inaccuracies and have requested corrections in accordance with the Fair Credit Reporting Act ( FCRA ). However, they have willfully and negligently failed to comply with the following statutes : 15 U.S. Code 1681n - Civil Liability for Willful Noncompliance : The agency has willfully disregarded the accuracy of my credit information.

15 U.S. Code 1681o - Civil Liability for Negligent Noncompliance : The agency has negligently failed to address the inaccuracies on my credit report.

15 U.S. Code 1692k - Civil Liability : The inaccuracies have led to unfair debt collection practices, further compounding my distress and financial damage. 

I have attached a formal letter sent to XXXX, XXXX and TransUnion, detailing my demands for correction and the legal basis for my claims. I would like the CFPB to be aware of the wrongful actions by the credit reporting agency and to intervene to ensure that they comply with their legal obligations under the FCRA and rectify the inaccuracies on my credit report promptly.
Consumer complaint received 2024-07-22
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. (GA)

I checked my credit report this morning and I was shocked because there are inaccurate accounts on mine. I have no idea why this happened to me because I have no knowledge regarding any of these accounts so please check the documents I've sent.
Consumer complaint received 2019-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Rejected overdraft protection on new checking account as I have never in my life overdrafts an account..agent was persistent and acquiesced ... was never explained as a line of credit on any way shape of form and credit union actually established an unauthorized line of credit..they reviewed the call and refuse to remove it from my credit report..I closed the line immediately oupon learning it was an actual credit line. Was improperly established through tactics that were misleading and I did not give authorization to establish a line of credit..have the recorded calls to verify this.
Consumer complaint received 2023-12-03
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 am writing to delete the following information in my file. The items I need to be deleted are listed in the report. I am a victim of identity theft and did not make this change. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2023-03-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I have recently files a dispute with TransUnion regarding an unverifiable and inaccurate account on my credit report, which I believe is in violation of the Fair Credit Reporting Act ( FCRA ). The report number XXXX ( please see attached pdf copy ). This is my second time trying to address this unverifiable account with TransUnion, unsuccessfully. 
The account listed for company XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX. 

According to the FCRA, 15 USC 1681 et seq, I am entitles for a fair and accurate credit report, specifically section 1681e ( b ) of the FCRA requires that credit reporting agencies must use reasonable procedures to ensure the accuracy of information contained in my credit report. I furthermore request that these procedures have been provided to me in writing upon the completion of this investigation. 

I account listed for XXXX is inaccurate. The information listed on my credit report does not belong to me and have not made any such debt obligations. 

I kindly request that you conduct an investigation of the disputed information and DELETE inaccurate listing as soon as possible. If the accuracy of this account can not be verified, it must be deleted from my credit report in accordance with section 1681i of the FCRA.

Thank you for your prompt attention to this matter. I look forwatrd to a resolution that is favorable for both of us.
Consumer complaint received 2023-12-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Velocity Portfolio Group (SD)

I am writing to express my concern and dissatisfaction with how XXXX, XXXX, and XXXX as consumer reporting agencies, have handled my private information. As a federally protected consumer, I believe that my rights under the Fair Credit Reporting Act ( 15 USC 1681 ) and the Right to Financial Privacy Act ( 15 USC 6801 ) have been infringed upon.

Under 15 USC 1681 section 602 ( a ), it is mandated that consumer reporting agencies conduct their responsibilities with fairness, impartiality, and a profound respect for the consumer 's right to privacy. Additionally, 15 USC 6801 establishes the explicit policy that financial institutions, including furnishers of information to credit agencies, have an ongoing obligation to uphold customer privacy. The companies listed in my FTC report have violated there terms and conditions under the privacy act of 1974. 

I would like to bring to your attention that, according to 15 USC 1681 section 604 ( a ) ( 2 ), consumer reporting agencies are only permitted to furnish a consumer report in accordance with the written instructions of the concerned consumer. Regrettably, I have not provided written consent for the disclosure of my information to XXXX, XXXX, XXXX, or the furnisher of information to credit agencies. 

Furthermore, I am exercising my right to opt-out of the reporting services, as outlined in 12 CFR 1016.7, which states that a consumer may exercise this right at any time. Despite this, I have not been informed of my ability to exercise the nondisclosure option, as required by 15 USC 6802 ( b ) ( c ). 

It has come to my attention after reviewing my most recent consumer file that XXXX, XXXX, and XXXX are reporting adverse information without my consent, which is a direct violation of 15 USC 1681C ( a ) ( 5 ). This action is also contrary to the provisions of 15 U.S. Code 1681s2 ( a ) ( 1 ), which prohibits the furnishing of inaccurate information to consumer reporting agencies.

Moreover, 15 U.S. Code 1681e emphasizes the necessity for consumer reporting agencies to maintain reasonable procedures to avoid violations of the sections above. In this regard, XXXX, XXXX, and XXXX have failed to uphold such reasonable procedures. 

I demand that my privacy rights are respected and upheld in accordance with federal laws and the accounts listed be removed from my consumer file as I did not authorize any of the companies to furnish my information Additionally, I am revoking any and all consent, whether verbal, non-verbal, written, implied, or otherwise, for the disclosure of my information to XXXX, XXXX, XXXX, and all the financial institutions reporting my private information to the credit agencies. 
I appreciate your attention and expect a prompt and comprehensive resolution.
Consumer complaint received 2020-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: COOLEY ENTERPRISES INC (TX)

got the car XX/XX/2018 returned the car.contacted company car had been sold .the balance on the car is still a high bal with the account closed .my reported balace is XXXX.but the high bal is is at XXXX although the car has been sold.
Consumer complaint received 2023-12-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

Capital One has reported different time incorrect information that is false, deceptive and misleading on my credit report. Furnishing inaccurate information to the Credit Report Agency ( CRA ) is prohibited. This is a violation of many of my rights and have gotten XXXX  due to this.
Consumer complaint received 2022-09-02
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. (ME)

I have just pulled my credit report few days ago, I have noticed 4 accounts which I do not recognize. I have never the following accounts : XXXX XXXX XXXX XXXX  XXXX account number XXXX. Delinquent 2. XXXX : account number XXXX. Delinquent 3. XXXX XXXX  XXXX : no account number shown on the credit report 4. XXXX XXXX
Consumer complaint received 2023-11-27
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. (MI)

I am writing to bring to your immediate attention the persistent inaccuracies on my credit report, specifically pertaining to late payments on my XXXX XXXX account with the account number XXXX. This matter is of utmost urgency, as the reporting inaccuracies are not only a violation of my rights under the Fair Credit Reporting Act ( FCRA ), but they also constitute a blatant disregard for the consumer protections enshrined within the legislation. 
Under the FCRA, 15 USC 1681 ( a ) ( 2 ) ( i ) explicitly mandates the accuracy and fairness of consumer credit reports. It is with great concern that I must address the egregious inaccuracies in reporting, specifically in relation to late payments on the aforementioned XXXX XXXX account for the months of XXXX, XXXX, XXXX, & XXXX OF 2023
Consumer complaint received 2023-11-07
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. (IN)

Kindly delete these unauthorized accounts from my credit report. I haven't opened them, and I'm unaware of their origins. As per USC 1681g, I request their removal within the next 15 days. I've attached the relevant documents for your reference.
Consumer complaint received 2023-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (OH)

In XX/XX/2023 I contacted XXXX XXXX XXXX services. I made them aware of a 30 day late payment that was being reflected on my credit report. I told them this confused me as the card was paid in full in XX/XX/2023 and I have not used the card. XXXX confirmed that the amount shown on the card was for a recurring charge ( that should not have posted ). XXXX, 1 ) corrected the account 2 ) refunded the late payment they charged and 3 ) notified Experian that the 30 day late should NOT be on my credit report. Experian initially removed the 30 day late from my credit report. At that time XX/XX/2023 I had an XXXX credit score with Experian I then contacted XXXX to close the card to ensure I did not have any further credit recurring charges, breaches or other issues. When XXXX notified Experian in the next round of monthly updates that the card was closed, Experian then updated my file to reflect the XXXX card being closed and at the same time CHANGED THE XX/XX/2023 payment back to a negative reporting result. 

I then contacted XXXX to determine if this was an error or possibly even a retaliatory action on XXXX 's part because I closed the credit card. XXXX was very helpful and I spoke with 3 different representatives in 3 different departments, ( recording each call ) and confirming that ALL 3 DEPARTMENTS CONFIRMED that there should be NO LATE PAYMENTS REFLECTED ON THE ACCOUNT. I notified Experian Experian has refused on 3 separate occasions to update and correct the information. Please know that should I not be able to resolve this issue with Experian with the help of the CFPB it is my intention to seek the advice and support of legal counsel to use all of the avenues available under the law to ensure that Experian follows their legal obligation to provide accurate information.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am writing to file a complaint regarding an items listed on my credit report. I have thoroughly reviewed my records, and I firmly believe these items have been inaccurately reported, which is adversely affecting my credit standing. Despite my previous letters I sent, these fraudulent items still exist in my report. This discrepancy raises concerns about the accuracy and validity of these reported items. Here are the items I would like to be XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-27
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. (TX)

I am writing with grave concern regarding an unauthorized hard inquiry recorded on my TransUnion credit report, attributed to XXXX XXXXXXXX XXXX on XX/XX/2023. This inquiry was conducted without my consent or knowledge, leading me to suspect fraudulent activity. 

Upon meticulous review of my credit report from TransUnion, I was alarmed to discover this hard inquiry that I unequivocally did not initiate. The presence of this unauthorized inquiry on my credit report is distressing, as it has the potential to adversely affect my credit score. 

To address this unauthorized activity, I have proactively taken the following steps : Direct Communication with XXXX XXXXXXXX XXXX  : I promptly contacted the customer service team at XXXX XXXX to report the unauthorized inquiry. While my communication resulted in the removal of the inquiry from my XXXX and XXXX reports, it regrettably remains on my TransUnion report. 

Formal Dispute with TransUnion : I have lodged a formal dispute against this hard inquiry with TransUnion, providing all requisite documentation to substantiate that this credit check was unauthorized. 

Despite these diligent efforts, the unwarranted inquiry persists on my TransUnion credit report. This situation is causing me considerable concern regarding its potential ramifications on my financial integrity and credit standing. 

In light of these circumstances, I earnestly seek the intervention of the CFPB to conduct a thorough investigation into this matter. My objective is to ensure the expeditious removal of this illegitimate inquiry from my credit report.