davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-20
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: Experian Information Solutions Inc. (CA)

On XX/XX/2025 the 3 major credit bureaus had a hard inquiry for a credit card from XXXX XXXX. I called Experian saying I did not authorize any credit pulls or hard credit inquiries, and they mentioned that banks do not need any permission to submit any hard inquiries to anyones credit report ( even if it hurts the score ). 

I called XXXX XXXX  and they denied pulling a hard inquiry and they claimed they have no records of such pulls on my SSN. Despite the fact that all 3 major bureaus mentioned it.
Consumer complaint received 2023-10-03
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A. (NY)

I opened an account to fund, last week. they claimed they called left a voice mail and set me a letter. never got a voicemail or a letter for the verification. i have now decided to open a different checking account with a complete different bank. i asked them to allow me into MY OWN ACCOUNT to get MY money to transfer it to close this account with them today. they have since claimed they cant transfer MY MONEY. and now wont let me make a user id to get into the account to do the transfer myself. they wont let me in my account with my own money and refusing to give me the bank office to call me verify my identity give me my money and close my account with citi immediately.
Consumer complaint received 2024-07-19
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. (NJ)

On XXXX XXXX XXXX, I was given hard inquiry on my transunion credit report from XXXX XXXX, but I did nothing to be given an inquiry at the moment from XXXX XXXX I did not apply for anything whatsoever. I was notified of this by XXXX XXXX. I immediately called XXXX XXXX to try and get this situation figured out. I explained to them how there was an inquiry given to me for no reason, they then checked to see what was causing this inquiry and could not figure out what would be causing an inquiry on XXXX XXXX XXXX. I was then told by them to contact transunion to figure it out. I immediately did so, when I got on the line with a transunion representative I explained the whole situation, they then checked and confirmed that their was a hard inquiry from XXXX XXXX put on my report that day which was XXXX XXXX XXXX. I was then told in order for me to get this inquiry removed I would have to contact XXXX XXXX and get an inquiry deletion letter from them. I would then have to write my own letter with a request to delete the inquiry, and then combine the two letters and send it to transunion, in order to get it removed. So I proceeded to call XXXX XXXX back to try and get a deletion letter, but like before they could not figure out what was causing an inquiry on XXXX XXXX XXXX. They told me that their were no applications or accounts that would cause an inquiry on XXXX XXXX therefore there is nothing that can be done on their behalf nor can they give me an inquiry deletion letter. This left me with nothing to do, I cant get transunion to delete the inquiry without a deletion letter from XXXX XXXX and I can not get a deletion letter from XXXX XXXX because their is nothing showing as to why their would be an inquiry reporting to my account on XXXX XXXX XXXX
Consumer complaint received 2024-07-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I am writing to file a complaint regarding the inaccurate reporting of my XXXX XXXX by XXXX to the credit bureaus. My XXXX XXXX have been in forbearance since XXXX XXXX XXXX, and I have emails from XXXX to prove this fact. 

Despite providing evidence of my loans being in forbearance, the credit companies are reporting incorrect information. This has negatively impacted my credit score, and I believe that this inaccurate data should be deleted in accordance with the Fair Credit Reporting Act. 

I have attached copies of the emails from XXXX confirming my loan forbearance for your reference. I am requesting that the inaccurate information be immediately removed from my credit report to reflect the true status of my loans. 

Thank you for your attention to this matter. I look forward to a prompt resolution to ensure the accuracy of my credit report.
Consumer complaint received 2024-07-19
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. (FL)

I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.
Consumer complaint received 2024-07-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-07-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Hi, please carefully read my complaint and see the attached file. I wanted to buy a house or a car for sometime now but the inaccuracies on my credit report prevents me from doing so, my credit applications are getting denied which is so frustrating it is stressing me out.
Consumer complaint received 2024-07-19
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)

According to the FAIR CREDIT REPORTING ACT, SECTION 609 ( A ) ( 1 ) ( A ), YOU ARE REQUIRED BY FEDERAL LAW TO VERIFY THROUGH PHYSICAL VERIFICATION OF THE ORIGINAL SIGNED CONSUMER CONTRACT-ANY AND ALL ACCOUNTS YOU POST ONA A CREDIT REPORT. OTHERWISE, ANYONE PAYING FOR YOUR REPORTING SERVICES COULD FAX, MAIL, OR EMAIL IN A FRADULENT ACCOUNT.

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT, XXXX  ACCOUNT NUMBERS : XXXX XXXX HAS VIOLATED MY RIGHTS.

15USC1681 SECTION 602 ( A ) STATES I HAVE A RIGHT TO PRIVACY. 

15USC1681 SECTION 604 ( A ) STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Consumer complaint received 2024-07-19
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)

This account was charged off on the following date : XXXX XXXX. Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly after I asked you to do it TWICE and your neglect has violated my rights. I disclosed a copy of my social security card, bill, and id to insure that I am the one sending this letter. I am demanding a deletion of the following account : XXXX XXXX XXXX XXXX I also disclosed the investigation results to show the investigation was not conducted properly.
Consumer complaint received 2024-07-19
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. (NY)

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. 

Account Name : XXXX XXXX Account Number : XXXX -- -INQUIRIES -- - XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XXXX XX/XX/XXXX : XXXX XXXX XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XXXX  XXXX XX/XX/XXXX : XXXX XXXX XXXX  XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XXXX XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XXXX XX/XX/XXXX :
Consumer complaint received 2024-07-19
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. (NY)

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX Account Number : XXXX
Consumer complaint received 2024-07-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I submitted a credit repair request to a company, but they still failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB to address the situation and protect my rights as a consumer.
Consumer complaint received 2024-07-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

My accounts 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 reported to be removed/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.

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!
Consumer complaint received 2024-07-19
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. (NY)

I noticed on XX/XX/XXXX when I looked on my credit report with XXXX transunion and XXXX there was a dispute on all of them that I had no knowledge of when questioned the three bureaus I was told that XXXX  XXXX auto finance was allowed to put a charge off back on my account that had been previously deleted a few months ago and was told the account had never been blocked as asked in my previous complaint. On XX/XX/XXXX th XXXX  I contacted capital XXXX auto finance directly and I spoke with XXXX at XXXX XXXX  l spoke to XXXX and XXXX and was told l couldnt speak to anyone in the fraud department so I was left to contact an attorney to start litigation. Although I am a victim of identity theft I was told its not against the law to report inaccurate unverified information on my credit report at this point l am devastated because of the fraud and level of dishonesty. I was told by the three bureaus that I was told that I couldnt send supporting documents because they allowed someone to commit fraud by having access to my credit report without my knowledge at this point l need help l have no other negative information on my report except for this fraudulent XXXX  XXXX account that I have no knowledge of and is not in any way connected to me l do have a FTC report and the bureaus noXXXX XXXX XXXX XXXX XXXX  is not willing to do anything to rectify the situation I am asking that the account be blocked and deleted as I have already shown that in previous months also in reviewing the information on my credit reports the dates and amount for XXXX XXXX XXXX XXXX  is different please help me in this matter
Consumer complaint received 2024-07-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

My account with XXXX XXXX XXXX XXXX  ) was never late! I have had exceptional payment history witH XXXX  XXXX 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 reported in ( MONTHS REPORTING LATE ) to be removed.

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 XXXX ) 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 2019-08-07
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: EQUIFAX, INC. (GA)

I was looking to purchase a home for my family and I went to see my options for purchasing and the lady at the bank ran my credit to see if she can pre approve me and I was denied. I pulled my credit and I see some things on there that are not mine. I have reached out to the FTC and to my local police department. I am doing this all on my own. These items need to be removed, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX AND XXXX XXXX.
Consumer complaint received 2024-07-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

My accounts was never late! I have had exceptional payment history with XXXX  XXXX 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 reported to be removed/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.

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!
Consumer complaint received 2024-07-19
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. (SC)

" After reviewing my consumer report, I noticed that there was still late payment on my consumer report which have never been late because the creditor failed to provide any proof or evidence so this needs to be corrected immediately to paid as agreed and never late. This account is related to a transaction and experience that falls under the EXCLUSION section of the FCRA 's definitions, rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be Corrected. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency name liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please CORRECT this item from my consumer report! According to15 U.S. Code 1681b - Permissible purposes of consumer reports The Law clearly states : ( 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 instructions of the consumer to whom it relates. I clearly did not give your agency written authorization or written instructions to report this information. Your agency is conspiring with these creditors against me in committing aggravated identity theft and I have sustained defamation of my character, just to name a couple damages should this matter escalate to court. 15 U.S. Code 1681e - Compliance procedures- ( 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. 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 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. ''
Consumer complaint received 2023-11-20
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: Experian Information Solutions Inc. (FL)

15 U.S. Code $ 1681c-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 resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 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 Sumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSEN port anything on my consumer report which violates my rights as a federal prot umer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletions listed IMMEDIATELY!!!