davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-29
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: HUNTINGTON NATIONAL BANK, THE (MI)

Commencing on or about XX/XX/2024, I fell victim to a multi-layered scam operations run by XXXX XXXX XXXX | work-launch.com which involved me making deposits for a total amount of XXXX USD from my Huntington Bank account to fraudulent investment firm ( XXXX ).
Consumer complaint received 2024-06-27
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. (FL)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the XXXX credit bureaus was dated XX/XX/year> but I never received a response from them. These accounts must be corrected in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX Balance Owed : {$12000.00} XXXX XXXXXXXX XXXX Balance Owed : {$970.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$3700.00} XXXX XXXXXXXX XXXX Balance : Owed : {$57000.00} XXXX XXXXXXXX XXXX Balance : Owed : {$11000.00} XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance : {$79000.00} XXXX XXXXXXXX XXXX Balance Owed : {$970.00} XXXX XXXXXXXX XXXX Balance Owed : {$57000.00} XXXX XXXX XXXX Balance Owed : {$12000.00} XXXX XXXX XXXX  XXXX Balance Owed : {$3700.00} XXXX XXXX XXXX XXXX Balance Owed : {$13000.00} XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$10000.00} XXXX XXXX XXXX Balance Owed : {$12000.00} XXXX XXXX XXXX XXXX Balance : {$79000.00} XXXX  XXXX XXXX Balance Owed : {$970.00} XXXX  XXXX XXXX Balance Owed : {$57000.00} XXXX XXXX XXXX XXXX Balance Owed : {$13000.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX XXXX Balance Owed : {$10000.00} XXXX XXXXXXXX XXXX Balance Owed : {$0.00}
Consumer complaint received 2024-06-27
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.
Consumer complaint received 2024-08-27
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. (CA)

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.

All ACCOUNTS BE REMOVED All INQUIRES BE REMOVED, this has VIOLATED MY RIGHTS. 15 U.S.C. 1681 Section 602 A, States I have the right to PRIVACY.

15 U.S.C. 1681 Section 604 A Section 2 States A Consumer Reporting Agency CAN NOT FURNISH AN ACCOUNT WITHOUT 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, other than adverse item of information, other than records of convictions and crimes which antedates the report by 7 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. 

A person shall not FURNISH information relating to a consumer to any consumer Reporting agency
Consumer complaint received 2024-06-27
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. (AL)

In the quiet humdrum, of everyday life, a sudden jolt shattered the tranquility. I had become a victim of identity theft. Like a thief in the night. Unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainly. With each fraudulent transaction and unauthorized accounts. The breach of trust cut deep. Leaving me grappling with the unsettling reality of a violation identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries these are the following accounts need to be removed.
Consumer complaint received 2024-06-01
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. (IL)

Please deelete th misleading items, .. i attached the letters, my id, and proof of address, and the FTC REPORT. These items are misleading, not mine.. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-08-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (FL)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2024-08-28
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. (MA)

This account XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, SC XXXX should be delete and removed from my credit report. I do not recognize this account, and I think that it was created fraudulently. I've filed disputes with the company and the credit bureaus already.
Consumer complaint received 2024-06-27
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)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed inquiries I didn't consent to and personal information I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I never consented to these inquiries and did not provide written consent to report them List all inquiries : Here is the personal information that I never consented to or provided written consent to report : List all personal information want deleted :. 
Please investigate and provide proof with statements showing that I authorized or consented to these inquiries or personal information and proof that I authorized the reporting of this information. If proof can not be provided I demand these inquiries and personal information be deleted. 
Adjust accordingly if there is no inquiries or personal information to be deleted "
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, 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 XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX : Account Name : XXXX XXXX XXXXXX/XX/year> :
Consumer complaint received 2024-08-31
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

XX/XX/XXXX RE : Unauthorized and Fraudulent Inquiries To Whom It May Concern, I am writing to inform you that you are unlawfully reporting fraudulent inquiries on my consumer report that I did not initiate, as required by law. 
Under 15 U.S.C. 1681b ( c ), a consumer reporting agency shall not furnish a record of inquiry in connection with a credit or insurance transaction not initiated by a consumer, except as provided in 15 U.S.C. 1681c. 
The following inquiries are a result of identity theft and were not initiated by me. I demand that they be deleted immediately : Transunion Hard Inquiries FTC Claim Reference XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  My identity has been stolen, and I am hereby putting you on notice. 
Under 18 U.S.C. 1028 ( a ) ( 1 ), a person who knowingly transfers possesses, or uses, without lawful authority, a means of identification of another person shall be sentenced to a term of imprisonment of two years. My identity has been used without my permission to open several accounts that have damaged my reputation and my ability to live my life. 
Furthermore, you, [ Credit Reporting Agency Name ], have committed fraud by not verifying these accounts. As stated in 15 U.S.C. 1681b ( b ) ( 1 ), a consumer reporting agency XXXX furnish a consumer report only by the written instructions of the consumer to whom it relates. 
15 U.S.C. 1681 emphasizes the need for consumer reporting agencies to exercise their responsibilities with fairness, impartiality, and respect for consumers ' rights to privacy. The information you are reporting is inaccurate and has been obtained through identity theft. 
I request that you immediately investigate these unauthorized inquiries and remove them from my consumer report. I also request that you take steps to prevent future unauthorized access to my personal information. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-06-27
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. (NJ)

The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be deleted ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

According to my research about FCRA 605, Credit Bureaus are required by law to remove any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-08-28
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. (MD)

Subject : Request for Assistance in Removing Unauthorized XXXX XXXX Dear Consumer Financial Protection Bureau ( CFPB ), I am writing to formally request your assistance in resolving an issue related to unauthorized credit inquiries on my credit report from XXXX, XXXX, Equifax. The following eight companies have accessed my credit report without my consent, and I have no associated accounts with any of these lenders : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 have contacted each of these companies individually to request the removal of their credit inquiries, but my requests were denied. Additionally, I have reached out to XXXX, Equifax, and XXXX to remove these inquiries from my credit reports, but they have refused, directing me to file a report with the Federal Trade Commission ( FTC ). 

These unauthorized inquiries are negatively impacting my credit score and significantly hindering my ability to secure a mortgage loan. I am respectfully requesting that the Consumer Financial Protection Bureau ( CFPB ) issue a directive compelling XXXX, Equifax, and XXXX to remove these unauthorized credit inquiries from my credit reports. 

Your prompt attention to this matter is crucial for my financial well-being, and I appreciate your assistance. 

Thank you for your consideration. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-26
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)

To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX  Account Number : XXXX Delete this account. 


2. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX  Date of inquiry : XX/XX/year> Please remove it from my credit report. 


3. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX  Date of inquiry : XX/XX/year> Please remove it from my credit report. 


4. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  XXXX  Date of inquiry : XX/XX/year> Please remove it from my credit report.
Consumer complaint received 2024-06-27
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. (TN)

I noticed Resurgent receivables reporting on my credit report on XX/XX/year>. After noticing this account is a result of identity theft, I filed a dispute with transunion, XXXX and XXXX, including my identity theft report. Ive allowed these companies over 4 business days to investigate this but I have yet to receive a response. I included my identity theft report with this complaint. 15 US code 1681c-2 states that 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 identity theft, not later than 4 business days after the date of receipt. According to the FCRA, if a credit reporting agency fails to remove an identity theft account after I have disputed it, they may be violating the Fair Credit Reporting Act ( FCRA ). The FCRA is a federal law that regulates how consumer reporting agencies handle your credit information, including investigating disputes and correcting errors. Please resolve this issue.
Consumer complaint received 2024-07-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (SC)

XXXX XXXX  turned over false balance amount owed to collector that will not provithere was no balance due they acually owe me my deposit backde no information. Even thou
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2024-06-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Again, I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged Identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to removed/block any accounts not later than 4 business days after the date of the previous letter. Ive already included this report in my previous letter & I am including them again. Also, the information you provided on some accounts are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-26
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. (AZ)

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.

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.