davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (WI)

I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items.
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/year>, and I have not yet received a response.
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

Dear Consumer Financial Protection Bureau, I am submitting a formal complaint regarding several accounts listed on my credit report that have violated my federally protected consumer rights to privacy and confidentiality under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. 

Accounts in Violation : 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 Details of the Violation : Right to Privacy : 15 U.S.C. 1681 Section 602 ( a ) : This section underscores my right to privacy, establishing the importance of accurate and fair credit reporting to protect consumers from the detrimental effects of inaccurate or unauthorized information. 

Unauthorized Furnishing of XXXX : 15 U.S.C. 1681 Section 604 ( a ) ( XXXX ) : It is stated that consumer reporting agencies can not furnish my account information without my written consent, except in certain limited situations. I did not provide authorization for the reporting of these accounts. 

Inclusion of Outdated Information : 15 U.S.C. 1681c ( a ) ( XXXX ) : This section prohibits the inclusion of adverse information in a consumer report if it is older than XXXX years, except for certain criminal convictions. The accounts in question contain adverse information that exceeds this permissible timeframe. 

Inaccurate Reporting : 15 U.S.C. 1681s-2 ( a ) ( XXXX ) : This section mandates that furnishers of information ensure the accuracy of what they report. They are prohibited from providing any information they know, or have reasonable cause to believe, is inaccurate. The accounts in question reflect inaccurate information that should not have been reported. 
Given these violations, I request that the Consumer Financial Protection Bureau investigates this matter and ensures the removal of the inaccurate, outdated, and unauthorized information from my credit report. 

Thank you for your attention to this urgent matter. 

Sincerely, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-30
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)

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Transunion credit reporting agency , block information appearing on my consumer report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a bank account opened at XXXX XXXX  under the account number ( XXXX ) These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I will also list hard inquiries, addresses, and names in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. 

Hard 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 I do not recognize the aforementioned names, accounts, collections, and hard inquiries as reported. The aforementioned names, accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by be. All of the aforementioned names, accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned credit report names, accounts, collections, and hard Inquiries are the result of identity theft and fraud.
Consumer complaint received 2024-07-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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 XXXX XXXX XXXX. 

XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) XXXX States : no consumer reporting agency XXXX 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 XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) 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 2024-09-15
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. (MS)

I am writing to demand the immearate deletion or accuracies listea on my credit report, as the data persistently fails to meet the accuracy requirements set forth by the Fair Credit Reporting Act, specifically under 15 USC 1681e ( b ), 15 USC 1681i, 15 USC 1681 ( a ) ( 5 ), and 15 USC 1681s-2. This demand for deletion stems from your failure to accurately report my consumer credit information following a previous notice of these discrepancies. Please be aware that automated responses or e-OSCAR verifications are unacceptable for addressing this matter. Given the clear and repeated violations of the FCRA, I am not requesting a reinvestigation but rather the immediate deletion of this account from my credit file. I expect you to comply with this request swiftly and to confirm in writing the deletion of these entries. I appreciate your immediate attention to this urgent matter and expect a response within the statutory 30-day period as prescribed by the FCRA.
Consumer complaint received 2024-07-30
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)

I am writing to file a formal complaint regarding fraudulent inquiries on my credit report. Upon reviewing my credit report, I discovered several inquiries that I do not recognize and believe to be the result of fraudulent activity. The unauthorized inquiries have significantly impacted my credit score and have raised concerns about potential identity theft. I have attached a copy of my credit report highlighting the unauthorized inquiries for your reference. The unauthorized inquiries have significantly impacted my credit score and have raised concerns about potential identity theft. I have attached a copy of my credit report highlighting the unauthorized inquiries for your reference.
Consumer complaint received 2024-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

A new collections account with XXXX XXXX XXXX XXXX was added to your XXXX credit report. * XXXX XXXX XXXX XXXX and I are currently going through a legal dispute which no judgment has been made. My lawyers and I have requested for XXXX XXXX XXXX XXXX to prove that I made business with them. I have requested contract with my signature and XXXX XXXX XXXX XXXX has yet to send me any written agreement that I've done with them. I am not aware nor have I done business with this company. 

XXXX XXXX XXXX XXXX is a " debut buying collection '' company whom I did not authorize use of my personal information.
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 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 XXXXXXXX ; These accounts have violated my rights.

15 U.S.C. 1681 section 602 ( a ) ( 4 ) states the consumer has the right to privacy.

15 U.S.C. 1681b section 604 ( a ) ( 2 ) 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 of 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 2024-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

dear credit burau i just recently looked at my credit report. i saw hard inquiries that did not have permissible purpose can u reinvestigate the inquiries listed below. [ XXXX XXXX XXXX ] : date open : XX/XX/XXXX ACCOUNT NUMBER : XXXX This inquiry has no permissible purposes to be in my report. Delete this inquiry due to violation of 15 USC 168 B [ XXXX XXXX XXXX XXXX ] date open : XX/XX/XXXX ACCOUNT NUMBER : XXXX This inquiry has no permissible purposes to be in my report. Delete this inquiry due to violation of 15 USC 168 B [ XXXX XXXXXXXX XXXX XXXX  ] date open : XX/XX/XXXX ACCOUNT NUMBER : XXXXThis inquiry has no permissible purposes to be in my report. Delete this inquiry due to violation of 15 USC 168 B
Consumer complaint received 2023-03-24
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Emergent Business Group, Inc. (MI)

On XX/XX/2023 I received a phone call from Emergent Servicing regarding a debt that I did not recognize. I spoke with XXXX, upon attempting to tell her I did not know this debt she began to tell me that they emailed me and started rattling off several dates and an email that I do not use. I asked her how old this debt was? she replied that it was from XXXX somewhere in that time frame. She then violated the FDCPA by telling me she was giving me a chance to " voluntarily pay it '' which of course unless you intent to take legal action or have the ability to do so, this is a violation of the FDCPA. When I told her I was not paying something I did not have knowledge of she began to use abusive language towards me such as " you're just mad because you got yourself in debt and don't want to pay your bill '', she also told me she gave me a chance to talk ( which she didn't ) and she was talking now. She was yelling over me, insulting me and my intelligence and using rude and abusive tactics all because I did not agree to pay a bill I know nothing about. I advised her to Cease and Desist at this point because she was continuing to yell over me in which she completely ignored! I asked to speak with a supervisor or manager she refused and continued to yell. I had to end the call due to this. I did call back and speak with a nice gentleman named XXXX, he apologized for the behavior and agreed to remove my phone number and review the collection call. I would like for this company to be looked into for their abusive tactics, if they are doing this to me they are doing this to others that may not be so educated in debt collection laws.
Consumer complaint received 2023-03-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

XX/XX/2023 around XXXX I opened a checking & savings account with capital one. I transferred {$100.00} into savings + {$20.00} into checking. When transferring the money, they stated that my money would be available in 1 to 2 days max. I called capital one today ( XX/XX/2023 ) at about XXXXXXXX XXXX to close my account. When I said I wanted to close the account, I was informed that my funds were frozen because they had to verify that the funds are actually there. Come again? 

They only froze my money after I said I wanted to close my account. I was then told that I have to wait a WEEK and contact them next Thursday to close the account and get a check with my funds. Unethical and ridiculous.
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. (TX)

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX. XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX " Under the Doctrine of Estoppel by Silence, Engelhardt v Gravens ( MO ) 281 SW 715, 719, I may presume no proof of the alleged debt, not therefore any such debt, in face exists. ''
Consumer complaint received 2024-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I have XXXX consolidated federal student loan with XXXX XXXX XXXX XXXX but now there are XXXX duplicate accounts with double my actual balance reported to the credit reporting agencies from XXXX. This has decreased my XXXX XXXX by XXXX points. I have not received a response from XXXX.
Consumer complaint received 2024-09-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (PA)

On [ insert date ], I sent a certified letter to Midland Credit requesting verification of a debt they claim I owe. In the letter, I specifically asked them to provide : 1. **Proof that the debt is mine**, including a signed agreement or contract with my signature. 
2. **Evidence that they are legally authorized to collect this debt in XXXX** XXXX such as proof of their licensure in the state. 

Despite this formal request, Midland Credit has not provided any of the required documentation. I have not received any proof that I owe this debt, nor have they demonstrated their legal authority to collect in XXXX. Without this information, I believe the collection efforts are in violation of my rights under the Fair Debt Collection Practices Act ( FDCPA ).
Consumer complaint received 2024-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

My information was purchased on the dark web by this company XXXX XXXX address XXXX XXXX XXXX XXXX, XXXX DELAWARE XXXX. Because of this reason these fraudulent accounts are appearing on my consumer FICO credit report which I do not recognize as reported & which are the result of Identity Theft & Fraud.The accounts are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX on XXXX XXXX XXXX, and XXXX XXXX on XX/XX/year> I have sent in Letter after letter after letter and these items are still reporting.
Consumer complaint received 2024-10-08
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. (FL)

Ive resent my previous letter informing this company I received a copy of my credit report, and noticed some late payments that still needed to be corrected. I was never late and they failed to provide documents that proved that I was late. 
Clearly, prohibition means something that is not allowed. This law says a person ( this company ) 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. 
Lets look at has reasonable cause to believe that the information is inaccurate. 
I CLEARLY showed them in my previous letter that they have REASONABLE CAUSE to believe that the information is INACCURATE by me CLEARLY defining accurate and what it means to be inaccurate and pointing out the laws that they've violated, therefore the information being inaccurate! This is a violation of 15 US Code 1681s-2. 
The law also says that there is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Clearly, my right to privacy as a consumer has been violated by publicly reporting this information when I never gave this organization permission to report my information. This is a violation of 15 US Code 1681a ( 4 ).
Consumer complaint received 2024-10-08
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. (FL)

Ive resent my previous letter informing this company I received a copy of my credit report, and noticed some late payments that still needed to be corrected. I was never late and they failed to provide documents that proved that I was late. 
Clearly, prohibition means something that is not allowed. This law says a person ( this company ) 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. 
Lets look at has reasonable cause to believe that the information is inaccurate.

I CLEARLY showed them in my previous letter that they have REASONABLE CAUSE to believe that the information is INACCURATE by me CLEARLY defining accurate and what it means to be inaccurate and pointing out the laws that they've violated, therefore the information being inaccurate! This is a violation of 15 US Code 1681s-2. 
The law also says that there is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Clearly, my right to privacy as a consumer has been violated by publicly reporting this information when I never gave this organization permission to report my information. This is a violation of 15 US Code 1681a ( 4 ).
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MO)

. To Whom It May Concern : Upon reviewing my credit report, I noticed discrepancies on my credit report section, which I believe is inaccurate. I am requesting your assistance in investigating and correcting this information. 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. Pursuant to 5 U.S.C. 552a ( i ) ( 3 ), I am requesting that this disputed item be removed permanently from my credit report immediately. This statute states that any agency which fails to maintain any record with accuracy, relevance, timelines and completeness as is necessary to guarantee fairness in any determination shall not use such record. Account XXXX XXXX XXXX. ( XX/XX/year>XXXX  )