davidheineman/consumer-finance-complaints-large huggingface dataset:
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. (MD)

Recently i did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure was reporting 100 % correct. Under 15 U.S. Code 1681e ( b ) ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I know that Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. if you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below. 

In violation of the Fair Debt Collection Practices Act. I do not know any of the alleged creditors and debt collectors. 
I never sat across a table from any of the alleged creditors and debt collectors and never entered into a contract with any receiving a meeting of the minds. No valid contracts exist. All allege contracts are completely fraudulent an the attempt to enforce a fraudulent contract is unlawful due to the contract being created through the illegal activity of identity theft and power of attorney fraud. Please show good faith in this matter by expediting the securing of the alleged information listed on your sight in order to avoid me receiving further injury, damages, and losses due to me being a victim of identity theft. 

The Fair Billing Practices Act is intended to secure my right to privacy and my privacy has been breach so that's violate my rights under The Privacy Act of 1974 :, I am sure the removal of my information from your website will ensure my privacy rights won't be violated again due to my lack of consent.
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXXXXXX, IA XXXX Subject : Formal Complaint Regarding Inaccurate Information on Credit Report Dear CFPB, I am writing to formally submit a complaint regarding inaccurate information reported by XXXX XXXX on my credit report. The inaccuracies in question are reflected in the following account ( s ) on the respective date ( s ) : INACCURATE INFORMATION DATE : XXXX According to 15 USC 1681i ( a ) ( 1 ) ( A ), it is my understanding that consumer reporting agencies are required to conduct a reasonable investigation of disputed information. The inaccurate information reported by XXXX XXXX adversely impacts my creditworthiness, and I believe this is a violation of the aforementioned statute. 
Furthermore, I request that XXXX XXXX provide documentation that demonstrates the accuracy of the information reported on my credit file. This should include any supporting evidence or statements that verify the validity of the information in question, as mandated by 15 USC 1681s-2 ( a ) ( 1 ) ( A ). 
Under the Fair Credit Reporting Act ( FCRA ), you have 30 days from the receipt of this letter to provide the requested documentation. If you are unable to verify the accuracy of the information within this timeframe, I request that these inaccuracies be removed from my credit report and that my file be updated accordingly with all relevant consumer reporting agencies, including but not limited to XXXX, XXXX, and TransUnion. 
Please ensure that any corrections or updates made to my credit file are communicated to me at the address listed below. I appreciate your prompt attention to this matter and expect a resolution that accurately reflects my credit standing. 
Thank you for your time and consideration. I look forward to a positive resolution. 
Sincerely, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XX/XX/XXXX
Consumer complaint received 2024-09-15
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 recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting Transunion, XXXX and XXXX i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies.
Consumer complaint received 2024-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ). 
Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ). 
Harassment under 15 USC 1692d ( Section 806 ). 
Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b. 

I demand that the following items be deleted immediately from my credit report :
Consumer complaint received 2024-09-15
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. (MI)

Company has been asked to match investigate and remove fraudulent remarks on account. Company refused on numerous occasions violation consumer rights but failing to investigate for the past 12 months repeatedly. Attached is XXXX credit report with all fraudulent remarks non present. Company was walked to update account to match XXXX company refused. Company was asked to investigate fruad and remove files. XXXX refused. Company was called over the phone and requested to remove files, company refused, company was mailed letters certified mail and requested to remove fraud accounts, company refused. Company has consumer time and money by failing to investigate issues even when provide with resources. As stated attached is my one and only correct credit file up to date. Company has continuously reported fraud accounts with malicious intent and lack of regard for user
Consumer complaint received 2024-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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. 
XXXX XXXX XXXX ACCT # XXXX, XXXX XXXX  XXXX ACCT # XXXX. XXXX  XXXX XXXX XXXX ACCOUNT # XXXX. XXXX ACCOUNT # XXXX, XXXX XXXX ACCOUNT # XXXX Has Violated my rights. 15 USC 1681 section 602 A. States i have the right to privacy. 15 USC 1681 section 602 A section 2 : it also states a consumer reporting agency CAN NOT furnish a account without my written instructions. 15 USC 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 items of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 USC 1681s-2 ( a ) ( 1 ) A person shall not furnish any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

I sent a letter regarding the errors and unfamiliar entries on my credit report, but sadly, I haven't heard back in over 30 days. It seems like my concerns are being overlooked, and I feel taken advantage of. As per Section 611 ( a ), if these issues aren't investigated within 30 days, they should be removed from my credit report without delay. I might need to pursue legal action because of the stress this situation has put me under.
Consumer complaint received 2024-09-15
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. (WY)

I am filing a complaint for transunion reporting inaccurate inconsistent fraudulent accounts on my credit report under 15usc1681 c-2 to block/delete information within 4 business days as a result of idenity theft or fraud.attached is a copy of the ftc report # XXXX as proof.i belief thebfollowing accounts listed are result of the resent data breach account # 1. XXXX XXXX. Acount # XXXX opened XXXX XXXX balance of {$26000.00} account # XXXX. XXXX XXXX acount # XXXX opened on XX/XX/XXXX balance {$1400.00} account # XXXX. balance {$63.00} opened on XX/XX/XXXX account # XXXX balance {$170.00} opened on XX/XX/XXXX these accounts are results of idenity theft please delete accounts within business days in compliance of 15usc1681 c-2 please email me at XXXX and send me an updated credit report reflecting these 4 accounts removed to XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Consumer complaint received 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

XXXXXXXX XXXX XXXX Account Number - XXXX I hereby Dispute the validity of the alleged debt listed below Entirely. I also request verification of the alleged debt, specifically, a copy of the ORIGINAL PURCHASE AGREEMENT. Agreement must be with the original creditor and signed by all parties involved. I am requesting this because I have had different companies reach out to me about this same alleged debt. I am requesting Immediate deletion of all prior reporting made to any consumer reporting agencies, XXXX, Equifax, XXXX and XXXX. You must Cease Collection efforts until this alleged debt is validated. You must show proof that you legally own this alleged debt and that it is accurate and complete. thank you for your understanding
Consumer complaint received 2024-09-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

Was stolen by my father which has the same name as me. He stole my identity. He is a bad XXXX XXXX and took advantage of me his name is also XXXX XXXX. But now the problem is I heard that he passed away
Consumer complaint received 2024-09-10
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. (CA)

To Whom It May Concern, I am writing to advise that I am a victim of XXXX. For your convenience and reference, I have attached supporting documents that substantiate my claim. The information listed below, that is currently listed on my credit report is a result of that trafficking. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened XXXX {$210.00} BALANCE XXXX XXXX Date opened XX/XX/XXXX {$350.00} BALANCE XXXX XXXX Date opened XX/XX/XXXX {$150.00} BALANCE XXXX XXXX Date opened XXXX XXXX, XXXX XXXX XXXX Date opened XX/XX/XXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. This section provides the right to request the deletion of information from a credit report as a result of trafficking. Per 605C - 2 In brief, section 605C provides that a consumer reporting agency may not furnish a consumer report containing any adverse item of information concerning a consumer that resulted from a severe form of trafficking in persons or sex trafficking if the consumer has provided trafficking documentation to the consumer. The Bureau is adopting several amendments to Regulation V to implement new section 605C of the Fair Credit Reporting Act ( FCRA ) ,1 added by the National Defense Authorization Act for Fiscal Year 2022 ( 2022 NDAA ) .2 In brief, section 605C provides that a consumer reporting agency may not furnish a consumer report containing any adverse item of information concerning a consumer that resulted from a severe form of tXXXX  in persons or XXXX XXXX  if the consumer has provided XXXX documentation to the consumer reporting agency.3 Under section 605C, the Bureau is required to issue implementing regulations within 180 days of the enactment of the 2022 NDAA . Section 605C is effective 30 days after the Bureau issues its final implementing regulations. BILLING CODE : 4810-AM-P BUREAU OF CONSUMER FINANCIAL PROTECTION 12 XXXX XXXX XXXX [ Docket No. XXXX ] RIN XXXX Prohibition on Inclusion of Adverse Information in Consumer Reporting in Cases of XXXX XXXX  ( Regulation V ) Please send me notification of the actions taken. I greatly appreciate your prompt expedited action to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-12-06
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: Paypal Holdings, Inc (GA)

I had a deposit from my college of {$620.00}. On XX/XX/22. Then when I tried to access the funds Venmo froze my account. I contacted them and they said it would be Monday XX/XX/22 before it would be unfrozen. Well XXXX  has came and gone but my account is still frozen. I contacted them again and they are now saying it's going to be up to XXXX more days. I done everything they asked me to do as far I sent them my ID and a photo me holding my ID. I gave them my phone number, my email address and my physical address. Like they asked me for. Now my XXXX daughters ( XXXX & XXXX ) and my wife and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. All because Venmo ( XXXX ) will not give me my funds. And none of this is my fault. And now they are telling me it could be another XXXX weeks. That's not right at all. 

Thank you in advance.
Consumer complaint received 2022-01-23
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mortgage Research Center, LLC (IN)

Veterans United home loans states to the property of XXXX and XXXX XXXX that we are missing a payment, first they say we were missing XXXX payment now theyre saying were missing XXXX payment Info from my banking transactions how I pay my bills is still banking online one XXXX XXXX we have shown all the monies coming out the check it was sent when the check was cashed and I have sent them all the information and Ill they keep saying is we dont have enoughXXXX XXXX we received a mortgage and Home exemptions which is still not been applied to our account we have talked to several people at least every three weeks since XX/XX/2021 and Im still getting the same runaround where theyre not writing anything down and I have to keep going through the same process in the meantime it has destroyed my credit XXXX now my credit score is XXXX.
Consumer complaint received 2024-09-14
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)

I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.
Consumer complaint received 2024-07-31
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BMO Bank, N.A. (WI)

I closed checking account in year 2022 due fraud while liVIN in XXXX  rapid while XXXX XXXX l apply for a loan over the phone. Then shortly after applying for loan 1 day later. The bank store branch bmo Manager contacted on the phone. He told me stated someone just tried to remove a large amount money usin. deposit check. Online service over the phone They caught it verified. account cause the person who tryied removed money. From overseas so this account was immediately closed .no money wasn't removed. Then the branch manager reopened me up with a different Different checking account. With restrictions. Statein l had to give a code inside bank. To receive any future transactions .Resently l tryied reopen checkin account been denied put XXXX system. and told l owed {$440.00} worth NSF. Fees. The banker also stated it was three account 's. Open in my name one had huge amounts nsf. With no history. Money bein paid out on this account. Advise me she would be contact me. To discuss .situation never repond. I tryed contactin Bmo there also unable to resolve this problem
Consumer complaint received 2024-07-23
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. (GA)

I recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.
Consumer complaint received 2024-09-14
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. (NY)

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.

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights.

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 informationisinaccurate.

Please remove these Inquiries from my credit report.
Consumer complaint received 2024-07-22
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. (GA)

I have six hard inquiries on my credit report. the company did a hard credit pull with me knowing. 
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
Consumer complaint received 2024-09-14
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 am writing to formally submit a complaint regarding the mishandling of my personal information during the XXXX data breach that occurred in XXXX. My name is XXXX XXXX, and my personal data was compromised as a result of this incident, which has caused me significant distress and concern regarding the security of my financial information. 

Despite being notified of the breach, I feel that XXXX has not done enough to protect my information or to provide adequate support to those affected. I took the necessary steps to protect myself by enrolling in credit monitoring services offered by XXXX, but I remain concerned about the potential long-term impacts on my credit and identity security. 

Furthermore, I believe that the measures offered by XXXX following the breach, including the free credit monitoring and identity theft protection, are insufficient compared to the severity of the incident. As a consumer, I expect stronger accountability and more proactive measures from credit reporting agencies to safeguard personal information and assist those affected by such breaches. 

I urge the CFPB to investigate this matter thoroughly and to hold XXXX accountable for its failure to protect consumers ' sensitive data. Additionally, I recommend that the CFPB advocate for stronger regulations to ensure that credit reporting agencies are required to take more rigorous precautions to prevent future breaches and to provide adequate support to affected individuals.