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

XXXX XXXX XX/XX/2024 XXXX XXXX XXXX XXXX XXXX, GA XXXX Email : XXXX To Whom It May Concern, 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. 
XXXX XXXXXXXX XXXX : Acct # ending XXXX, XXXX : Acct # ending XXXX, XXXX, and any late payments from merchants have violated my rights. Transunion - XXXXXXXX XXXX XXXX XXXXXXXX Balance - {$5.00}, this is incorrect. 

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 an 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.

why correct the information that I outlined and then not raise my credit score because I purposely targeted.

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. Inaccurate credit reporting can ruin American citizens, lives and their livelihoods.

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. Inaccurate credit reporting can ruin American citizens, lives and their lively hood.

Please delete and remove all closed accounts, late payments and loan accounts, that aren't valid from my credit report. 

Best, XXXX XXXX.
Consumer complaint received 2023-12-31
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. (FL)

This company is maliciously messing up my credit report I paid this I disputed it that I paid it and they came back and said I didnt pay it. I have proof right here that its paid on their website and the payments. The payments histories are wrong. they are messing up my credit. I paid all of these loans off, and when I dispute it, they are lying to you. They are illegally messing up peoples credits and I paid the charge off off. They are maliciously reporting on this making my score go down and down. Ive called set on the phone with them for an hour I called 20 times I cant get nowhere theyre like robots they keep saying the same thing over and over again they dont care if they dont know what theyre doing please help.
Consumer complaint received 2019-09-24
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. (NC)

Hey I wanted to contact you all because I went to my bank to get a loan to help my brother by and get a car and they told me that I was not able to cosign for him. I don't know why I wouldn't and plus I have been with my bank for years since I was XXXX. My mom told me to look at my credit and there is some stuff on there that isn't mine XXXX XXXX, US DEP XXXX XXXX DPT ED/XXXX, DPT ED/XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX REV, XXXX, XXXX XXXX XXXX and there Is an account that don't even have a name but it's an account number XXXX. My mom told me to get in touch with police and FTC, I did both.
Consumer complaint received 2023-12-31
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. (LA)

Dear CFPB on XX/XX/ I filed a complaint about an account reporting on my credit that is violation my rights. I sent proof of the inaccurate and unverifiable information and Experian claimed they reached out to the furnisher and the information was allegedly verified as reporting accurate. How is this possible? Seem to me that no one is doing their job in protecting the consumer. Pursuant to 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. Reporting information with actual knowledge of errors. 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. Reasonable cause has been established with proof. Still Experian and XXXX XXXX purposely ignore the law. 15 USC 1681a ( 1 ) speaks on the accuracy and fairness of credit reporting. My rights have been continuously violated. I demand immediate removal of this erroneous, misleading and deceiving information upon the receipt of this message. Pursuant 15 U.S. Code 1681n ( a ) ( 1 ) - Civil liability for willful noncompliance. Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or. If this information is not removed from account RIGHT NOW I will seek legal action against the CFPB, Experian and XXXXXXXX XXXX Also I will be filing a complaint with the XXXX, the FTC and the Attorney General. The actions of investigations and reinvestigations is no more. REMOVE THIS ERRONEOUS ACCOUNT NOW!!!!!!!!!
Consumer complaint received 2023-12-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NJ)

I received a copy of my credit report and I have found that in accordance with the FCRA Experian violated my rights by reporting my payment late 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 WITHOUT 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.
Consumer complaint received 2023-06-15
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. (FL)

I am requesting again in regard to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix the negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

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 2024-05-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

XXXX Please be advised, per my conversation with XXXX XXXX customer service supervisor, XXXX ( XXXX ), and customer service supervisor XXXX XXXX XXXX ) that there is no further recourse of action that can be taken for TransUnion not reporting either credit cards on the consumer credit reports, when the consumer 's information was verified and sent to TransUnion to update credit reports with each account number respectively. The supervisor stated she will notate the account and was advised to contact TransUnion. I spoke with TransUnion customer service rep, XXXX XXXX, and was advised that the accounts in question can not be disputed because it is not reflected or reported by the creditor for previous dispute # XXXX. I was advised to contact XXXX XXXX for further assistance. I requested to escalate the file and was given case # XXXX. 

The following accounts are not reporting to my TransUnion credit report : XXXX XXXX XXXX XXXX  ( Authorized User ) - Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - Opened : XX/XX/XXXX The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ). Additionally, according to the FAIR CREDIT REPORTING ACT/REGULATION V. Section 623 of the FCRA and Regulation V, generally provide that a furnisher must not furnish inaccurate consumer information to a CRA, and that furnishers must investigate a consumer 's dispute that the furnished information is inaccurate or incomplete. 

As stated by my TransUnion credit report, most of my XXXX XXXX XXXX credit cards and co-branded cards are reporting, except for the above accounts mentioned. Please review and update my TransUnion credit report with each credit card information accurately.
Consumer complaint received 2023-12-31
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. (FL)

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 Experian, XXXX, and XXXX to reinvestigate these accounts : XXXX XXXX XXXXXXXX, XXXX XXXX XXXX # XXXX, DEPTEDXXXX XXXX XXXX XXXXXXXX, 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 2024-05-05
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

opened XX/XX/2023 amount is XXXX Im Unaware of this debt that was placed on my transunion credit report this information was dispute/closed and diversified adjustment services proceeded to then placed another debt collections on my credit file when this information is in fact fraud. If in fact you believe you gave me proper notification then please send me the certified receipt with my signature on it.
Consumer complaint received 2023-11-07
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Lockhart, Morris & Montgomery Inc. (GA)

Lockhart Morris is requesting that I owe {$2900.00} Which is false even the dates they are giving me are incorrect also this collection was closed a while back they claim to be a Lawyers office they call and harass me AND MY FAMILY several times a day stating that if the debt is not paid in full Ill be taken to court and arrested along with verbal abuse, foul language, rude statements and threats which is very unprofessional I have asked to be mailed proof and proper documentation of the debt and received nothing from them I have also asked multiple times for them to stop harassing Me and my family
Consumer complaint received 2021-06-27
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: Experian Information Solutions Inc. (NC)

My Name is XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX made hard credit inquiry that was unauthorized.. 



Thank 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 — Old information reappears or never goes away
Company: EQUIFAX, INC. (MO)

On or about Wednesday XX/XX/XXXX, I contacted debt collector XXXX regarding XXXX accounts XXXX XXXX  and XXXX XXXX  both charge off accounts that and XXXX purchased these accounts in XXXX however pursuant to the FCRA they are reporting opened in XXXX when they were actually opened XX/XX/XXXX and therefore XXXX FCRA rule should apply and these XXXX accounts should fall off or be deleted this year in XX/XX/XXXX however XXXX  is not the original creditor and bought tje debt as bad and therefore shouldn't be reporting to creditors.
Consumer complaint received 2024-05-05
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. (IL)

To Whom It May Concern, I recently received a copy of my ( XXXX, XXXX, or TransUnion ) credit report, and I noticed some late payments and inaccurate accounts posted on my credit report : I HAVE NEVER BEEN LATER ON THIS ACCOUNT ( XXXX XXXX ). Furthermore the late payments are inaccurate across the credit bureaus. XXXX shows one late payment and TransUnion and XXXX shows 2 late payments which shows inaccurate late payments across the bureaus.Please show me documentation showing proof of a transaction showing I was ever late to support your inaccurate reporting on my acct. If you can not supply this, please DELETE these alleged late payment from my credit report per 15 USC 1681b. Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL, Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Did I give you written instructions to furnish this on my credit report? 

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not includeSubject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681. Failure to respond satisfactory with deletion of the above referenced account and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations. 4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]
Consumer complaint received 2018-07-31
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Premier Student Loan Center (NJ)

I got a call from Premier Student Loan Center and I believed it has been a scam. They asked for my social security, my debit card number, as well as various other personal information. I have been scared to give them a a call back, and just want to make sure that I am safe for the future.
Consumer complaint received 2023-07-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (ME)

I reviewed my Consumer Reports and noticed that I had two late payments on an account for XXXX and XXXX of XXXX. Consumer reporting agencies have become extremely instrumental and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late for payments on this account XXXX XXXX Visa Signature account number XXXX, Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks, XXXX XXXX
Consumer complaint received 2024-05-05
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)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account.This account is hurting my ability to obtain credit.it is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : XXXX  XXXX account XXXX
Consumer complaint received 2023-12-27
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. (NY)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-05
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: Experian Information Solutions Inc. (VA)

I am earnestly appealing to you to eliminate this entry from my credit report as it does not belong to me and is entirely fraudulent. I request that you take immediate action to investigate and remove this erroneous information from my credit profile.
Consumer complaint received 2024-05-05
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)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-05-05
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)

My Personal Sworn Statement & Declaration : I declare under penalty of perjury ( under the laws of the United States. if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Furthermore, I certify that I am permitted by federal and state law to follow this dispute. I also understand that knowing and willful misstatement of omissions of material facts constitutes a federal criminal violation punishable under the 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have filed a formal report with the federal trade commission which I have attached to this letter. In addition, I have also corresponded with the agencies and Creditors listed. The respective agencies have been very cooperative with me and guided me to the point of taking this step to write you directly. I understand that you reserve the right to not delete and block the items. Im requesting you to do so for. I want to make it clear that Im not making this request an error. I have not misrepresented myself with the allegations aforementioned, and I did not obtain any goods, services, or money as a result of the transactions. I attempted to file a police report, but I was informed by my county that it did not constitute an emergency. Furthermore, they informed me that they wouldnt file the report because I didnt have any information on the individual or company who used my information, nor do I know how my information was wrongfully obtained. I want to personally thank you for taking the time to review my grievance and I look forward to your continued assistance. FOR SECURITY I HAVE INCLUDED MY IDENTIFICATION ON ANOTHER PAGE Please Kindly, Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately. Rebuttal Notation : Accuser has failed to provide any evidence of either the injurious derogatory claims verifiable validity NOR any documented certification of compliance as reporting, each mandatory condition to report so DELETE NOW.
Consumer complaint received 2024-05-05
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. (DE)

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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.