davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-03
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. (NJ)

# What happened? 

On XX/XX/XXXX, I discovered an unauthorized XXXX credit account on my TransUnion credit report. This account was reportedly opened on XX/XX/XXXX, and closed on XX/XX/XXXX, with a past due balance of {$6900.00}. The account number ends in XXXX. 

Key points : XXXX. I did not open this account and have never had a XXXX credit card. 

XXXX. I contacted XXXX on XX/XX/XXXX. They could not find any open or closed accounts in my name and promised their fraud department would call me. As of XXXX, I have not received this call. 

XXXX. TransUnion has blocked my access to my account for years, preventing me from disputing this fraudulent account directly. 

XXXX. I only became aware of this issue after being removed from XXXX 's Path to XXXX XXXX program. I had to use a third-party app ( XXXX ) to access my TransUnion report information. 

XXXX. This fraudulent account has negatively impacted my XXXX XXXX and financial opportunities. 

I believe this situation violates my rights under the Fair Credit Reporting Act. I'm requesting that : XXXX. The fraudulent XXXX account be immediately removed from my credit report. 
XXXX. TransUnion restore my access to view and dispute items on my credit report. 
XXXX. Both XXXX and TransUnion investigate this matter thoroughly and provide me with the results in writing. 

I've attempted to resolve this issue directly with both companies but have been unsuccessful. I'm seeking the CFPB 's assistance in addressing this matter promptly and fairly.
Consumer complaint received 2024-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit 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 a person XXXX XXXX XXXX XXXX  opened XXXX XXXX under account number ( private ), an auto loan account opened at XXXX XXXX XXXX XXXX XXXX account number ( private ), a credit card opened at XXXX XXXX XXXX XXXX account number ( private ), an inquiry from XXXX XXXX, another inquiry from XXXX to XXXX i demand all fraudulent accounts be removed immediately from all 3 of my consumer credit reports pursuant to my rights within the FCRA FDCA laws. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent Items. I do not recoanize the atorementioned accounts. collections. or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the atorementioned accounts. collections. and hard inquiries are the result of identitv theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2024-10-03
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. (AZ)

I am seeking your support to address this incorrect account on my credit report. This has caused damage to my reputation, and I require your help. Your mistakes in managing my report have left me struggling, and the inaccurate reporting has ruined my reputation. You must remove these errors from my credit report.
Consumer complaint received 2023-03-18
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: Experian Information Solutions Inc. (TX)

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-02
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 previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after 30 days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-09-14
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. (FL)

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 federal protected consumer. NO CONSENT IS IDENTITY THEFT.
Consumer complaint received 2024-09-01
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Information belongs to someone else
Company: EdFinancial Services (AL)

EdFinancial services on XX/XX/XXXX, contacted me about the Debt, on Behalf of XXXX XXXX belonging to a Company Similar to my Name. 15 USC 1681n, verified to EdFinancial Service whom I am on XX/XX/XXXX. Alerted them this was my DECEDANT Account as verified by the IRS, and Pursuant to XXXX. XXXX XX/XX/XXXX, the Universal Declaration of Human Rights Articles 1,2 & 8, 15 U.S. Code 1681, The Homestead Act, Social Security Act 1935, Articles of XXXX XXXX ( organic constitution ). PUBLIC LAW XXXX. XXXX, XXXX XXXX XXXX. XXXX XXXX ( XXXX ) XXXX of foreign credits PUBLIC LAW XXXX. XXXX, XXXX XXXX XXXX. XXXX XXXX gifts PUBLIC LAW XXXX. XXXX, XXXX XXXX XXXX. XXXX XXXX public debt PUBLIC LAW XXXX. XXXX, XXXX XXXX XXXX. XXXX XXXX tender PUBLIC LAW XXXX. XXXX, XXXX XXXX XXXX. XXXX XXXX clauses & consent to sue PUBLIC LAW XXXX. XXXX, XXXX ( d ) ( XXXX ) & ( XXXX ) " obligation '' XXXX XXXX. XXXX ( b ) ( XXXX ) " notes issued '' PUBLIC LAW XXXX. XXXX, XXXX XXXX STAT. XXXX XXXX ( XXXX ) - Financial Agency PUBLIC LAW XXXX. XXXX, XXXX XXXX XXXX. XXXX XXXX ( XXXX ) ( B ) - Monetary Instrument PUBLIC LAW XXXX. XXXX, XXXX XXXX XXXX. XXXX XXXX ( XXXX ) - government obligation PUBLIC LAW XXXX XXXX XXXX STAT. XXXX ( XXXX ) -involuntary servitude PUBLIC LAW XXXX XXXX XXXX STAT. XXXX ( XXXX ) ( c ) ( ( XXXX ) ( a ) ( b ) ) - coercion PUBLIC LAW XXXX XXXX, XXXX XXXX STAT. XXXX ( XXXX ) -DEBT BONDAGE PUBLIC LAW XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX labor PUBLIC LAW XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX conduct/documents
Consumer complaint received 2023-03-28
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: Fidelity National Information Services, Inc. (FNIS) (NY)

My dispute is with Chexsystems for continuing to report a debt owed to XXXX of {$940.00}. Chexsystems continues to report this debt owed, yet had been shown repeated proof that I signed onto the account of my mother-in-law who is deceased in order to help manage her estate. I did not become personally liable for the debt. Moreover, and insultingly, I continue to maintain an account at XXXX. If XXXX had an outstanding debt with me, would one think they would let me keep a current account with them? This is outrageous conduct by Chexsystems and only adds to the difficulties with my mother-in-law 's passing. My mother-in-law 's old debt is the ONLY negative report on my Chexsystems history and is singlehandedly prevented me from opening another checking account.
Consumer complaint received 2024-10-24
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. (GA)

" I recently discovered several incorrect accounts and unauthorized hard inquiries on my credit report, which I believe are the result of identity fraud. I did not open these accounts or authorize these credit checks, and they are negatively affecting my credit score. I have taken steps to report this fraud, dispute the inaccuracies with the credit bureaus, and am working to resolve the issue. Protecting my credit from further damage is my top priority as I work through this situation. ''
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.
Consumer complaint received 2024-10-03
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. (NM)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-10-03
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. (SC)

" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft.

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"
Consumer complaint received 2017-04-10
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

I was shocked when I reviewed my credit report and found late payment on the dates below : 60 days past due as of XX/XX/2013 30 days past due as of XX/XX/2013 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
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: EQUIFAX, INC. (NE)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I have requested for my name to be corrected. They are listing numerous names on credit report and that should be only one. Also, there is an address ( s ) listed one my report that shouldn't be as well for I have only one address. I have sent numerous letters with proper identification and a bill each time I have sent anything to this bureau.
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

The delinquent payment shown on my credit report ( Month/Year ) was a result of my job loss due to COVID-19. The CARES Act, which was signed into law on XX/XX/XXXX, and ended XX/XX/XXXX amended the Fair Credit Reporting Act ( FCRA ) to stop adverse credit reporting during the COVID-19 crisis under these circumstances. Please update this information to PAID/ AGREED for the following time period. XXXX XXXX XXXX XX/XX/XXXX Account number XXXX
Consumer complaint received 2019-12-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

Equifax REFUSES to update my personal information. Equifax has got a long list of addresses attached to my personal information. I have only one address, and that address isn't on their long list. Additionally, Equifax has put identity theft into my credit report, since I have never lived in XXXX, but they insist on keeping a XXXX address on my credit report. I have repeatedly asked and told Equifax to update my personal address and personal information, including removing the fraudulent XXXX address, but they refuse to remove the fake information. Equifax refuses to correct the false information they had put on my credit report. When I try to update the credit report online, I am told that I must call a phone number. When I call their phone number, I am told that I must go online to update the information. When I speak with a person at Equifax, they say I must go online, or they say they will take my message about updating my personal information, or they say I must postal mail paper documents. When I postal mail the paper documents, I repeatedly postal mail museum-quality documents, and after a couple of months, the eventual reply from Equifax is that they are unable to verify my identity. This has been going on for decades. Never in the entire existence of the Equifax company, has Equifax ever able to verify my identity with my brith certificate, my social security card, my driver 's license, my passport landing page, my car registration card, my car insurance card, my voter registration card, my monthly bank statement, or my monthly mobile phone bill statement. The current address that Equifax has on my credit report is at least 15 years old. I have never been able to update my personal information or ever get a copy of my Equifax credit  report. In every way, Equifax is a criminal enterprise with a mission to create chaos, promote fraud, and hinder economic success.
Consumer complaint received 2024-09-14
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. (NY)

The Following inquiries were made on my account without my knowledge. I looked at my XXXX, Equifax XXXX XXXX credit report on XX/XX/XXXX and noticed some things are not accurate. The List of Hard Inquiries below has hurt & violates my credit score & According to XXXX XXXX XXXX, Consumer reporting agencies are suppose to assure maximum possible accuracy according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to ensure accuracy of the information concerning the individual about whom the report relates according to XXXX XXXX XXXX ( XXXX ) ( b ). 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-03
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. (NC)

XXXX XXXX XXXX XXXXXX/XX/year>, Contents of Complaint : 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 credit 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-02
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. (AR)

I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2017-03-30
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: BANCO POPULAR DE PUERTO RICO (UT)

I received a notice in the mail asking me to set up a pin for a credit card I did n't apply for or receive. I called and it was a very short message saying that I can validate the pin or request a new one. I ignored it. A few days later I received a credit card in the mail from Popular bank from XXXX XXXX. It was their XXXX Visa card. It had a limit of {$15000.00}. If someone was simply trying to steal my ID they would n't have sent the card to me so I then questioned whether Popular Bank was behind this or someone at their bank was doing this in the hope that I would validate the card and then use it. I called the bank on XX/XX/XXXX and they were evasive, they transferred me to their fraud department who said they would get back with me. Today is the XX/XX/XXXX, I have not heard anything so I called again. The customer care department wanted me to give them a lot of additional personal information, which I refused to do ( Birth date, full SS number, etc. ) I was transferred to the fraud department who claim the account has been canceled and I have n't received any response from them due to the large number of issues with which they are dealing. They said it would be 30 days. I really think something is going on with this bank that deserves your attention.
Consumer complaint received 2022-02-19
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I am filing this complaint because XXXX, XXXX, and TRANS UNION credit bureaus have ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30-day mark and can not verify these accounts, under 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified, '' that I have disputed. Please resolve this manner as soon as possible. Thank you.
Consumer complaint received 2024-08-02
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)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.