davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-02
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (IN)

XXXX XXXX  gave my information to a law firm then sued me in hopes to garnish my checks, they have portfolio recovery calling daily 1-2 times a day, as well as law firms from XXXX as well, the debt was from XXXX  if I remember correctly, i broke my hand not long ago and I can not pay them back nor take the amount of stress that I have been for the last few years, Im at my breaking point. They fooled me into paying them with a check XXXX dollars if not legal action was going to happen and i dont know anything about credit laws so I believed them until I was told it is illegal and I just want to fix my credit and be at peace after all the countless things that have happened in the last 2 years..
Consumer complaint received 2024-01-12
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. (PA)

Under federal law, Consumer Reporting Agencies CAN NOT report income. These companies have willfully violated the Fair Credit Reporting Act and I have proof. I have attached a copy of the 1099-C that was filed for the following 3 accounts. 

[ XXXX XXXX Account Number : XXXX ] [ XXXX XXXX  XXXX Account Number : XXXX ] [ XXXX XXXX  Account Number : XXXX ] I demand that these agencies do what is right and delete these accounts from my reports immediately.
Consumer complaint received 2024-05-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (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. 


XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXXXXXX,
Consumer complaint received 2024-01-12
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)

Dearest CFPB, I badly needed your help!

I am deeply concerned to discover that someone gained unauthorized access to my account and conducted a credit inquiry without my knowledge and approval. This breach of privacy adds to my ongoing frustration with the unresolved issues concerning inaccurate accounts. Despite XXXX deleting these accounts from my credit report last year, both TransUnion and XXXX have yet to take similar actions. 

It is upsetting and baffling that different credit bureaus are making varied decisions on what accounts to remove or retain. I believed that if they source information from a single furnisher, their actions should be unified. I request urgent attention to rectify these discrepancies and ensure a consistent and accurate representation of my credit history across all bureaus.
Consumer complaint received 2024-06-11
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)

" 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 accounts 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 did not provide written consent to report them. List all accounts : "
Consumer complaint received 2020-09-12
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (MD)

On XXXX XXXX XXXX  at XXXX XXXX I made a transaction when I tried to make another one transaction it would not let me.However, I am new Cash app customer, so I called Cash app services for help, so I thought were help.While I was talking to customer services I notice they were sending my money to people I don't know on my phone. I can literally see them transfering money to accounts. I was asking them what are you doing they said fixing the problem. On the flip side, they were stealing my money.They took XXXX XXXX and XXXX XXXX dollars from my account.Can you please help me to retrieve my money back.
Consumer complaint received 2024-06-10
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. (NJ)

I have unauthorized inquiries reporting to my credit and I want them removed immediately 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 2023-07-22
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. (FL)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-06-18
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: Rent Recovery Solutions (OK)

I am trying to buy a house as a mother I was denied and then realized negative accounts causing damage on my credit report. I recently filed a police report regarding the issue and I have submit an affidavit listing the account.
Consumer complaint received 2020-08-30
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc. (MO)

My complaint is with Cashapp. I have an amount of {$7400.00} on my Cashapp account. Cashapp however locked my account because I logged into my account on a different device. After sending several emails they finally replied and said I would have to wait for about 45 days before I can have access to my account. Within those few days I had an email that both my mobile number and email has been unlinked from account leaving me with no access to my account. It has been 45 days already and I still dont have any access to my account or my money. I have emailed them several times and even XXXX on their support page on XXXX   but I however don't get a response at all or get the same automated response. 
Right now I believe cashapp is trying to scam me and keep my money. I have sent several emails and nobody is responding to me. I just want to get my money
Consumer complaint received 2024-05-03
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. (AZ)

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 2024-01-12
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Kindly review the attached documents. I request the bureau to begin an investigation into these accounts, as I am never late with payments, but they are incorrectly reported as late.
Consumer complaint received 2024-06-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

Equifax is incorrectly reporting the following : Addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern : I am writing to update/correct my personal information? XXXX with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX Please update my name to : XXXX My only social security number is : XXXX My only and correct date of birth is :XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Please remove all the other addresses o? my reports, as they are not deliverable to me by the U.S. post o? ce, and they are not reportable as per the FCRA, since they are inaccurate.
Consumer complaint received 2024-05-03
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. (NJ)

Months ago, I have sent a letter to the three credit bureaus asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-18
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: Mercedes Benz Financial Services (CA)

Regarding old complaint XXXX, to XXXX XXXX, which XXXX replied to CFPB WITH A LETTER saying they will remove reporting from the 3 credit bureau, that was on their letter on XX/XX/XXXX. 
Starting XXXX  ON XX/XX/XXXX, found out that they didnt do anything They don't respect their promise, they don't care about customers like me although i am a customer since 8 years with 3 cars now, ALSO THEY DONT RESPECT CFPB.

I DID SEND 2 LETTERS, CALLED NOTHING.
Consumer complaint received 2024-01-12
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)

On XX/XX/2024, XXXX auto loan has been paid off in full and since, they have been reporting changes in payment history and balance increases to the credit bureaus but not reporting that the account is paid in full. I have disputed this with the credit bureaus and the disputes have come back complete with no changes. This means XXXX is unethically practicing reporting and collections which goes against the FCRA and compliance 2. These credit bureaus are definitely not seriously verifying the information and statements that are being placed on credit reports nor the disputes from the consumers. This is causing damage in manipulating the credit scores and history.
Consumer complaint received 2024-05-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within XXXX  days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2024-05-02
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. (NY)

ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND XXXX EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.
Consumer complaint received 2024-01-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

XXXX XXXX is reporting a collection/chargeoff to the credit reporitng. Transunion is reporting the high credit limit as XXXX. XXXX is reporting XXXX XXXX is reporting XXXX. 

Furthermore XXXX is reporting that the date of last payment is XXXX, however they have continued to report a payment history for XXXX and XXXX it is a violation for a chargeoff to continue to report a payment history. 

Additionally, Transunion is reporting the date of last activity as XX/XX/XXXX. XXXX is reporting XX/XX/XXXX, and XXXX is reporting XX/XX/XXXX. 

Even with all these inconsistencies, each company continues to respond that the account has been verified as reporting accurately. These inconsistencies prove that no reasonable or proper investigation has occurred. I have been disputing these accounts for a year. 

FCRA section 616 for civil liability for willful non compliance, ( 15 U.S.C section 1681nh states that any person who fails to willfully comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of A- any actual damage sustained by the consumer as a result of the failure or damage of not less than {$100.00} and not more than {$1000.00}. i have suffered damages to my credit profile which has impacted my financial wellbeing. I would like to be compensated by these bureaus in the sum of more than {$100.00} and not more than {$1000.00} for their negligence in causing these violations and damages to my credit report.
Consumer complaint received 2024-05-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TN)

I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/year>, and I have not yet received a response.
Consumer complaint received 2023-03-06
Product: Credit reporting, credit repair services, 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. (MA)

To whom this may concern, I am writing to request the removal of unauthorized credit inquiry/inquiries on my ( name of the credit XXXXXXXXEquifax XXXX XXXX and/or XXXX ) credit report. My latest credit report shows credit inquiry/inquiries that I did not authorize. 

Account name XXXX XXXX XXXX Date of request XX/XX/XXXX Account name XXXX XXXX XXXX XXXX XXXX Date of request XX/XX/XXXX Account name XXXX Date of request ( XXXX ) XX/XX/XXXX Account name XXXX XXXX XXXX  Date of request ( XXXX ) XX/XX/XXXX Account name XXXXXXXX XXXX  XXXX Date of request ( XXXX ) XX/XX/XXXX Account name XXXXXXXX XXXX XXXX Date of request XXXX XXXX ) XX/XX/XXXX Show more Account name XXXX XXXX XXXX Date of request ( XXXX ) XX/XX/XXXX Account name XXXX XXXX XXXX XXXX Date of request ( XXXX ) XX/XX/XXXX Account name XXXX XXXX XXXX Date of request ( XXXX ) XX/XX/XXXX Account name XXXX XXXX XXXX Date of request ( XXXX ) XX/XX/XXXX XX/XX/XXXX Account name XXXX XXXX XXXX Date of request ( XXXX ) XX/XX/XXXX Account name XXXX XXXX  Date of request ( XXXX ) XX/XX/XXXX Account name XXXX XXXX Date of request ( XXXX ) XX/XX/XXXX Account name XXXX Date of request ( XXXX ) XX/XX/XXXX Account name XXXXXXXX XXXX  Date of request ( XXXX ) XX/XX/XXXX XX/XX/XXXX Account name XXXXXXXX XXXX XXXX of request ( XXXX ) XX/XX/XXXX Account name XXXX XXXX  Date of request ( XXXX ) XX/XX/XXXX Account name XXXX Date of request ( XXXX ) XX/XX/XXXX Account name XXXXXXXX XXXX XXXX Date of request ( XXXX ) XX/XX/XXXX Account name XXXXXXXX XXXX  Date of request ( XXXX ) XX/XX/XXXX Show more Account name XXXX XXXX XXXX XXXX Date of request XXXX XXXX ) XX/XX/XXXX Account name XXXX XXXX XXXX XXXX Date of request ( XXXX ) XX/XX/XXXX Account name XXXX XXXX XXXX Date of request ( XXXX ) XX/XX/XXXX Account name XXXXXXXX XXXX XXXX XXXX Date of request ( XXXX ) XX/XX/XXXX Account name XXXXXXXX XXXX XXXX Date of request ( XXXX ) XX/XX/XXXX Account name XXXX XXXX Date of request ( XXXX ) XX/XX/XXXX
Consumer complaint received 2024-05-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MD)

After reviewing my XXXX, XXXX and Equifax credit reports again, I have identified some inaccurate late payments that needs reporting and correction through your company. These late payments are illegal. You Violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ). Please see the attached file.
Consumer complaint received 2023-11-03
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

It is completely unfair to find late payments on my account given my consistent history of timely payments. I demand that this error is rectified promptly. I kindly implore you to immediately correct this situation and ensure my account accurately portrays my history of punctual payments.
Consumer complaint received 2024-01-12
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)

I am the author of this complaint and I have attached a copy of my driver 's license and social security card to verify my identity. I tried to apply for credit and was swiftly denied, which led me to check my credit report. I noticed several creditors and collection agencies that are reporting incomplete, incorrect, and downright fraudulent information. I have attached letters below in the attachments which will show the accounts that I am calling into question. 

The credit bureaus are allowing reporting in such a way that violates the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. 15 USC 1681s-2b and 15 USC 1681b are being blatantly violated and from my research all parties can be held civilly liable. 

The credit bureaus are not conducting a reasonable investigation like they are obligated to do
Consumer complaint received 2024-01-12
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. (FL)

PLEASE REMOVE AND DELETE ALL OF THE FOLLOWING UNAUTHORIZED FRAUDULENT INQUIRIES FROM MY PROFILE. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I AM A VICTIM OF IDENTITY THEFT
Consumer complaint received 2023-11-03
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. (TX)

I am urging you to take immediate action to remove the fraudulent accounts on my credit report, as I did not authorize them and they are causing me great concern. I have provided supporting documents and request that you investigate the matter promptly.