davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-26
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. (MO)

XXXX XXXX XXXX XXXXXXXX - This was Paid as agreed and should not be showing any derogatory information on my report. 

XXXX XXXX - XXXX - XXXX you know it is against the law to report any information not proven accurate. I demand that you provide me with concrete evidence of my obligation to said accounts. Please be aware that all negative remarks found on my credit report is a violation of the FCRA and FDCPA when you can not furnish the validity of the remark. I am not in dispute of the ownership of the account but if you are unable to to provide the full reports of how you validated, verified, and how you are in compliance then you must remove the account from my credit report. 

Under the provisions of the Fair Credit Reporting Act, I advise that these items be investigated and removed from my report. It is my understanding that you will verify these items with the creditor who has reported them. Please remove any information that the creditor can not verify. According to 15 U.S.C. Sec. 1681i ( a ), you by law, must complete this reinvestigation within 30 days of receipt of this letter.
Consumer complaint received 2024-06-22
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. (NY)

XXXX XXXX XXXX XXXX XXXX XXXX, NY, XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX Whom It May Concern : I recently received a copy of my credit report and I noticed your furnishing an account on my consumer report that should not be on there. I demand the below accounts be deleted from my consumer report. 

US Department of Education The reporting of these account ( s ) is/are violations of 15 USC 1681a , The Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) Exclusions.Except as provided in paragraph ( XXXX ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; So let me explain. Under the Truth in Lending Act 15 USC 1602 ( g ), credit card is defined as the following : The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. 
This makes my social security card, drivers license/ID, and license plate credit cards that are/were used for the extension of credit. 
I demand this account be deleted from my consumer report. 

Best regards, XXXX XXXX
Consumer complaint received 2024-05-26
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. (FL)

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
The accounts below have violated my rights. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I looked at my TRANSUNION credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are supposed to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
According to 15 USC 1681s-2 they are supposed to 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 inaccuracy.
Consumer complaint received 2024-06-21
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. (NJ)

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 2024-05-26
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)

XX/XX/XXXX TransUnion Credit Reporting Re : Hard Inquiry. 

Dear Sir / Madam, During the review of my consumer credit report recently, I noticed XXXX hard inquiries placed in my consumer report by XXXX XXXX XXXX on XX/XX/XXXX, and anther by XXXX XXXX XXXX XXXX which is ( XXXX  DAYS ) which is a violation according to CFPB. 

According to CFPB publication of XX/XX/XXXX, title WHAT HAPPENS WHEN A MORTGAGE LENDER CHECKS MY CREDIT, the agency stated that WITHIN 45 DAYS WINDOW, MULTIPLE CREDIT CHECKS FROM MORTAGE LENDERS ARE RECORDED ON YOUR CREDIT REPORT AS A SINGLE INQUIRY. PLEASE SEE CFPB PUBLICATION ATTACHED TO THIS COMPLAINT. 

Please, kindly remove the above-mentioned hard inquiries from my consumer report because you are in violation of CPFB rule.
Consumer complaint received 2024-05-23
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)

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-26
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. (FL)

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 
The accounts below have violated my rights. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I looked at my Equifax credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are supposed to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
According to 15 USC 1681s-2 they are supposed to 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 inaccuracy.
Consumer complaint received 2024-05-26
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. (NY)

I noticed the problem in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-05-26
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. (MS)

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. 


I told XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 

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 2023-08-27
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. (SC)

XXXX XXXX XXXX has reported late payments and late payments should not be reported. 
I received a copy of my credit report and I have found that in accordance to the FCRA you violated my rights under 15 USC 1681 SECTION 602 WHICH STATES THAT I HAVE THE RIGHT TO PRIVACY, FURTHERMORE 15 USC 1681 SECTION 604a SECTION 2 ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUTOUT MY WRITTEN INSTRUCTIONS. 

Pursuant to 15 USC 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, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

I NEVER gave You, OR the above listed creditors any written instruction to furnish any information on my consumer report which is a violation of 15 USC 1681b. Credit Reporting Agency has caused severe stress and anxiety due to the abusive and unfair practices. 

You should be ashamed of yourself for ASSUMING this role and position to constantly commit fraud and cause harm to consumers! These accounts are listed with late or missed payments and that is incorrect. According to the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed. 

DUE TO THESE VIOLATIONS OF MY CONSUMER RIGHTS, I AM DEMANDING THAT YOU UPDATE THE ABOVE LISTED LATE PAYMENTS AS OK OR PAID AS AGREED Best Regards, XXXX XXXX XXXX
Consumer complaint received 2024-06-21
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. (CA)

Dear Sir/Madam, I am writing to report a serious issue with my credit report that has not been resolved by Experian despite multiple attempts to rectify the situation. I have sent several letters to both credit reporting agencies regarding inquiries and accounts on my credit report that are fraudulent and have been opened without my consent. 

Among the inquiries that are listed on my credit report, there are XXXX accounts related to XXXX that I did not apply for. These accounts are clear cases of fraud and identity theft, as I have never had any dealings with XXXX nor have I ever applied for any services with them. Additionally, there is another account related to a bank that I did not apply for. 

I have provided detailed information in my letters to Experian and XXXX, including the name of the person responsible for these fraudulent accounts, who is my cousin named XXXX. Despite providing this information and requesting that these accounts be removed from my credit report, they have not taken any action to address the issue. 

I am deeply concerned about the impact that these fraudulent accounts are having on my XXXX XXXX and XXXX XXXX. I request that the Consumer Financial Protection Bureau investigate this matter and intervene on my behalf to ensure that these fraudulent accounts are removed from my credit report promptly. 

I have attached copies of the letters that I have sent to Experian and XXXX for your reference. I appreciate your attention to this matter and look forward to a swift resolution. 

Thank you for your assistance in addressing this serious issue.
Consumer complaint received 2024-05-26
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)

Importantly, a furnishers inability to conclusively determine that the disputed information is inaccurate does not mean that the furnisher is permitted to report back to the consumer reporting agency that its investigation verified the accuracy of that information. Instead, if the evidence available to the furnisher is insufficient to establish the truth or falsity of the disputed information, then, under the statutory framework, the furnisher must report that its investigation concluded that the disputed information can not be verified. 
XXXX, 827 F.3d at 1304. So, for example, if a furnisher is unable to verify that a consumer missed a payment, then it may be appropriate for the furnisher to delete any mentions of the missed payment while continuing to report other information about the account. 
I am requesting pursuant 15 USC 1681i ( 6 ) NOTICE OF RESULTS OF REINVESTIGATION a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher. 
when disputed information can not be verified is to delete that information. In particular, Section 1681i outlines consumer reporting agencies responsibilities in responding to consumers disputes and, like Section 1681s-2 ( b ), provides that when a disputed item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency must delete or modify it as appropriate, based on the results of the reinvestigation. 15 U.S.C. 1681i ( a ) ( 5 ) ( A ). Section 1681i goes on to provide that, [ f ] ollowing any deletion of information which is found to be inaccurate or whose accuracy can no longer be verified, the consumer reporting agency must in some circumstances notify certain people who previously received a report with the now-deleted information. That provision thus contemplates that when information can no longer be verified, the proper response is to delet [ e ] it. XXXX XXXX, 827 F.3d at 1304 Delete the information you are Reporting as Late.
Consumer complaint received 2024-05-26
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. (PA)

I am writing to file a formal complaint with the CFBP regarding fraudulent accounts that have been inaccurately reported on my credit report. These fraudulent accounts are damaging my creditworthiness and financial standing, and I am seeking your assistance them promptly removed. Under the provisions of the Fair Credit Reporting, I am entitled to accurate and up-to-date information on my credit report. It has come to my attention that the following fraudulent accounts have been reported : Account name : XXXXXXXX XXXX XXXX account number XXXX Date opened XX/XX/year> I did not open or authorize accounts, and they are the result of identity theft or fraudulent activity. I have taken the necessary steps to dispute these accounts with respective creditors, but to no avail. Despite providing evidence of the fraudulent nature of these accounts, they continue to negatively impact my credit report and financial well being. I am requesting that the Consumer Financial Protection Bureau intervene in this matter and facilitate the removal of these accounts from my credit report. The CFPB mandates that credit reporting agencies ensure the accuracy and integrity of the information they report, and it is clear that these accounts do not meet that standard. All of these accounts must be removed from credit report.
Consumer complaint received 2024-05-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

My name is XXXX XXXX, and I am sending this complaint because this is the third time Ive filed my claim regarding my stolen identity, and no action has been taken. The credit bureau hasn't responded to my disputes, nor have the companies involved. I feel my consumer rights are being ignored. I am the victim here, yet I can't get the proper help or responses from the credit reporting agencies. If no action is taken soon, I will pursue legal action.
Consumer complaint received 2024-06-21
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. (NY)

It is crucial to note that I did not give permission for these accounts, and their presence is causing me substantial distress. I kindly request that you prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report. Your prompt attention and resolution of this matter are sincerely appreciated.
Consumer complaint received 2024-06-21
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. (VA)

Please remove all the inaccurate fraudulent accounts as I have no know in any of these. For the company to do what fair and equitable to me as a consumer by removing inaccuracy records on my credit report.
Consumer complaint received 2024-06-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SANTANDER HOLDINGS USA, INC. (PA)

Complaint Details : Summary : I am filing this complaint to report violations of the Gramm-Leach-Bliley Act ( GLBA ) by Santander Consumer USA and XXXX . Santander Consumer USA improperly shared my nonpublic personal information ( NPI ), specifically my payment history, with XXXX without my consent and in violation of privacy provisions under the GLBA. XXXX also violated consumer protection laws by accepting and using this unauthorized information. 
Details : 1. Nature of Information Shared : o The information shared includes detailed aspects of my payment history, such as on-time payments, late payments, and missed payments. This constitutes nonpublic personal information ( NPI ) as defined under 15 U.S.C. 6809, which includes " personally identifiable financial information. '' 2. Unauthorized Disclosure : XXXX Santander Consumer USA reported this payment history to XXXX without my explicit consent. This disclosure was made outside the permissible parameters set forth in the GLBA. 
XXXX. Violation of Privacy Standards : o The Gramm-Leach-Bliley Act requires financial institutions to protect the confidentiality and security of XXXX and to provide consumers with privacy notices explaining how their information is collected, used, and shared. Santander Consumer USA failed to provide an adequate privacy notice and did not offer an opt-out option as mandated by the Act. XXXX, by accepting and using this information, also failed to ensure compliance with privacy standards. 
Specific Consumer Laws Violated : 1. 15 U.S.C. 6801 ( GLBA ) : Protecting the confidentiality of XXXX. 
2. 15 U.S.C. 6802 ( GLBA ) : Providing privacy notice and opt-out options.

3. 15 U.S.C. 6803 ( GLBA ) : Initial and annual privacy notices.

4. 15 U.S.C. 1681b ( FCRA ) : Permissible purposes for consumer reports. 
5. 12 U.S.C. 5531 ( Consumer Financial Protection Act of 2010 ) : Prohibiting unfair practices.

6. 15 U.S.C. 45 ( Federal Trade Commission Act ) : Prohibiting unfair or deceptive acts. 
Calculation of Fines : Each violation incurs a fine of {$1000.00}. With XXXX violations identified for both Santander Consumer USA and XXXX, the total fines for each entity would be : XXXXviolations $ XXXXper violation= {$6000.00}
Consumer complaint received 2024-05-26
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. (VA)

I spoke with Equifax on chat on their website on or around XXXX about removing the Remark under an account on my report that states I am " disputing '' I am in fact, NOT disputing it. The agent then told me that they would remove this remark and it would reflect within XXXX hours, and I would also receive a letter in the mail. Neither of these things occurred. 
Pulled credit report and was still there on Equifax only. I called the number and spoke with an agent on XXXX and they assured me that they would have it changed and it would reflect in 24-48 hours and I would receive a letter in the mail. Never occurred. I received a confirmation number for that call, XXXX. 
Check my credit report again on XX/XX/XXXX and once again, Equifax is the only agency reporting that i am disputing this account. 
Called again on XXXX. Agent refused to let me speak to any manager, supervisor or anyone higher up. Once again promised it would be removed within XXXX hours. Confirmation XXXX. Checked report today XX/XX/XXXX, it has not been changed. 
I am trying to get a mortgage. I have XXXX children, XXXX under a year old. I am facing homelessness if I can not get this fixed immediately. Please help me.