davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I am writing to dispute the first progress account starting in XXXX late payments of XXXX XXXX and XX/XX/year> on my credit report. These late payments violate FCRA section XXXX, which prohibits the reporting of transactions. I learned the law. Reporting transactions is illegal. I do not want to sue but I enforce the credit bureau to correct my report.
Consumer complaint received 2024-09-22
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. (SC)

On numerous occasions, I have expressed to TransUnion of their violations of XXXX. Their unsound practices have placed my family and I at risk of unsafe transactions. TransUnion does not accurately represent the people if they are constantly furbishing inaccurate information without proof. Furthermore, I NEVER gave TransUnion my wet ink, written instructions to furnish any information to my credit file which is a MAJOR violation of my federally protected rights. I plan to take necessary action for each violation at {$1000.00} each. If this is not fixed in the next XXXX  days, I will file a suit and will follow up with an Invoice of Each Violation.
Consumer complaint received 2024-09-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I am writing to formally dispute several hard inquiries on my credit report that I believe are fraudulent. These inquiries do not belong to me, and I did not authorize them. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 believe these inquiries were made as a result of identity theft or fraudulent activity. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute inaccurate information on my credit report. I request that you investigate these inquiries and remove them from my report if they are found to be unauthorized.
Consumer complaint received 2024-07-25
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. (MD)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Please remove these items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX WASHINGTON, DC XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MD XXXX XX/XX/XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$0.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXXXXXX XXXX  ) XXXX XXXX {$860.00} XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXXXXXX Balance : {$700.00} XXXX XXXXXXXX XXXX Balance : {$1400.00} XXXX XXXX XXXX Balance : {$19000.00} XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXXXXXX Balance : {$11000.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XX/XX/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
Consumer complaint received 2024-07-24
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: EQUIFAX, INC. (CA)

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to have verified these. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. As in XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, Equifax, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters. 

Also Known As : XXXX XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, SC XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, SC XXXX
Consumer complaint received 2024-07-25
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. (LA)

I am rejecting this response because : The Credit Bureau recent response to my complaint regarding inaccuracies on my credit report. 

Despite my numerous attempts to dispute these erroneous accounts and rectify the situation, XXXX has failed to adequately address and resolve the issues at hand. 

Over the past several months, I have repeatedly contacted The Credit Bureau, providing detailed information and supporting documentation to demonstrate the inaccuracies present in my credit report. Unfortunately, each attempt has been met with insufficient action and a lack of proper investigation into the matters I raised. This ongoing negligence has caused significant harm to my creditworthiness and has had adverse effects on my financial well-being. 

I am now seeking the intervention and assistance of the CFPB to help resolve these persistent issues. The Credit Bureau failure to correct these inaccuracies and conduct a thorough investigation is a clear violation of the Fair Credit Reporting Act ( FCRA ). Specifically, they have breached my consumer rights to a fair and accurate credit report by not fulfilling their obligation to investigate disputes properly and correct any errors. 

The FCRA mandates that credit reporting agencies must investigate disputed information and make corrections if inaccuracies are found. 
The Credit Bureau continuous disregard for this responsibility has not only violated my rights but has also perpetuated the damages being done to me as a consumer. 

I trust that the CFPB will take appropriate action to ensure that The Credit Bureau adheres to the FCRAs requirements and conducts a comprehensive review of my disputes. I am seeking a resolution that includes the correction of all inaccuracies on my credit report and a guarantee that my consumer rights will be respected moving forward.
Consumer complaint received 2024-07-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (FL)

I am writing to formally request the removal of several accounts and inquiries from my credit report. These accounts and inquiries are unauthorized and does not belong to me. The presence of data breach has negatively impacted my credit standing, leading to a significant drop in my FICO score.

Upon reviewing my credit report, I discovered multiple accounts and inquiries that I did not recognize or authorize. These inaccurate information in my report have resulted in negative remarks that are adversely affecting my credit score and financial reputation.
Consumer complaint received 2024-09-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the Polaris letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 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 und 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. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY.
Consumer complaint received 2022-05-04
Product: Credit reporting, credit repair services, 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. (NY)

I am a victim of Identity theft. I have provided proof of my ID, Identity theft report from the Federal Trade Commission and a notarized Identity theft Affidavit proving it is in Fact me that submitted this report. And a letter citing all the fraudulent accounts on my credit report. I meet all the qualifications under 15 USC 1681c-2 for Block and Removal of the information on my consumer report. Failure to comply is a violation of my rights as a consumer.
Consumer complaint received 2024-09-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.
Consumer complaint received 2024-09-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I am XXXX XXXX XXXX and have been charged late fees /payments on my credit report. Under U.S. code 1666b, A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (MS)

After reviewing my credit report, I'm disappointed to notice that the following bad information is still there on my credit report, despite the fact that I previously submitted you a dispute letter stating that it is erroneous and inaccurately represented. My credit file was not corrected as a result of your investigation.
Consumer complaint received 2024-09-22
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. (IL)

On XX/XX/year>, I logged in to see my credit score because I got a notification from a credit reporting service that my credit score had dropped significantly by XXXX points.. when I logged in the only thing that had changed was a collection was removed. And I understand that sometimes when a collection account is removed it'll drop your score for a short time. We're almost to the end of XXXX and I've seen yet another drop in my credit score I was notified again that my credit score had dropped this time by XXXX points on XX/XX/year>. This time the cause was because my personal checking and savings account bank which is XXXX My balance had increased. They report their advertised credit building card " Believe '' so I'm unsure why that would be because we're only allowed to charge what we have in the bank. This is not credit building I complained about this one other time and nothing was done with my bank account. If a person is building credit with such card why would we have a drop in a credit score. I'm not sure if it falls within the credit reporting agency or is it a problem at my bank. But either way these significance drops and score are huge when I have worked so hard to rebuild my credit. I spent numerous hours and have given a great effort in maintaining and keeping a good credit score and then things like this which you think would increase your credit and has dropped that much.
Consumer complaint received 2022-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. My request for the correction or removal of the erroneous information about my account has been diligently neglected by TransUnion. Despite sending them the last letter, dated XX/XX/2022, for the said request, I have not received any response up to this date, XX/XX/2022. Besides, the inaccurate information about my accounts is still on my reports. Therefore, TransUnion has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law andcontinued reporting unverified information. Below are the items that are still reporting on my account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX CXXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXXT ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX
Consumer complaint received 2024-09-22
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)

Subject : Complaint Against Credit Reporting Agencies for Inaccurate Reporting Dear CFPB, I am writing to formally lodge a complaint against the credit reporting agencies for allowing XXXX XXXX XXXX XXXX  to report an overdue balance on my credit report after the account was charged off. This inaccurate reporting has persisted for XXXX years and has significantly damaged my credit score, negatively affecting my ability to secure loans and resulting in higher interest rates. 

Despite the account being charged off, XXXX XXXX XXXX XXXX  continues to report this information as a fresh charge-off, which is misleading and inaccurate. This has not only harmed my creditworthiness but has also caused me emotional distress and financial hardship. 

I believe that the credit reporting agencies should be held accountable for permitting this incorrect information to remain on my report. It is crucial that they ensure the accuracy of the information they disseminate, as it directly impacts consumers financial opportunities. 

I request that the CFPB investigate this matter and take appropriate action against the credit reporting agencies to rectify this situation and prevent further harm to my credit report. 

Thank you for your attention to this urgent matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-07-23
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. (DC)

Hello this is XXXX XXXX XXXX My mother has a statement to explain for this tragedy against me " Date : XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX WASHINGTON DC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Re : Alleged Violations of the Fair Credit Reporting Act ( FCRA ) Related to XXXX XXXX XXXX and XXXX XXXX XXXX Accounts XXXX This letter is written in furtherance of the Consumer Financial Protection Bureau ( CFPB ) complaint process. 


Dear XXXX XXXX Customer Service, I am XXXX XXXX, am writing to bring to your immediate attention several alleged violations of the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) related to my account with XXXX XXXX and my sons Authorized User Status. As you are aware, I am the primary holder of the XXXX XXXX XXXX Credit Card Account, and my son XXXX XXXX XXXX, is an Authorized User on the Account. However. Despite my repeated requests dating back to XX/XX/year>, your institution has failed to report any information about this account to any of the three major consumer reporting agencies XXXX. EQUIFAX XXXX XXXX on my sons credit report, in violation of Section 1681b of the FCRA. This failure to report accurate information is a clear violation of the FCRA. As a result of your institutions wrongful acts, my sons credit score has been unfairly impacted by your error, and he has suffered damage to his creditworthiness. 

Furthermore, my son XXXX XXXX XXXX has specifically requested to be added back as an Authorized User on his own credit report, which your institution has failed to do despite his repeated request. Pursuant to Section 1681m of the FCRA, we demand that XXXX XXXX immediately add my son back as an Authorized user and report information about this account to all three credit bureaus. Failure to respond to my request will allow for me a lawsuit against your agency and I will definitely report you to the XXXX XXXX XXXX. Please add - XXXX XXXX XXXX back onto credit report, XXXX XXXX removed him by error. I am asking for {$1000.00} fine for each day when you fail to comply to my request. This is urgent and I will be glad to hear from you after reading this request from XXXX XXXX XXXX. 

Sincerely, XXXX XXXX ''
Consumer complaint received 2022-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (GA)

My name is XXXX XXXX and Your agency Violated my rights to privacy. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here. 
15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) 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.
Consumer complaint received 2019-11-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: TD BANK US HOLDING COMPANY (NJ)

Hello XXXX XXXX, I believe that TD Bank / Card Services discriminates against minority customers and provides false information regarding denial of services. I cancelled my credit card with them today, XX/XX/19, because I was falsely denied my request for a credit line increase. Their excuse was my credit report from XXXX  showed " multiple delinquent accounts '' however, when I logged into my XXXX  account there were no such delinquencies. Neither were there any delinquencies in my XXXX  or XXXX   reports. I spoke to supervisors in TD Customer Service and XXXX in TD Credit Services who both contradicted one another. I then contacted XXXX and spoke to their fraud department who confirmed that are no such delinquencies in my credit report and could not explain how TD Card Services came to their decision. 

This is actually the second time, I've been denied a credit line increase by TD Card Services. I was denied XX/XX/2019 because my account had apparently not been opened long enough and I was told I could reapply after XX/XX/2019. Not only has my credit score gone up since my initial request for a credit line increase but I actually was approved and received an XXXX XXXX credit card with a higher credit line at the end of XX/XX/2019. This is the 3rd time that TD Card Services have engaged in improper business practices. They initially ruled in favor of a merchant in regards to a transaction dispute and didn't notify me of their decision. TD then reversed their decision 2 days after I paid the remaining balance and again, did not notify me of THAT decision until after I called to inquire why I had a {$900.00} balance. Then when I requested the balance be returned to me, they did not do so until nearly 2 1/2 weeks later and after I made numerous inquiries as to when they mailed that payment out.