davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-03
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. (MI)

A complaint was submitted against XXXX on XX/XX/XXXX ( complaint XXXX ) for not providing disclose that a hard inquiry would be made on consumer credit reports. XXXX responded on XX/XX/XXXX, stating they do not report to consumer reporting agencies and, if they did, it would be a soft inquiry. The CFPB closed the case. 

However, XXXX did in fact report, and that of a hard inquiry as evidenced by the attached consumer report. Credit scoring has been impacted negatively.
Consumer complaint received 2024-05-07
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. (NV)

I am reaching out to address a concerning matter regarding the accuracy of my personal information within your records. Upon reviewing my account/profile, I have identified several instances of inaccurate information that require immediate attention. I am totally devastated because of this situation and I feel someone is paying on my credit profile. As maintaining accurate records is essential for both data integrity and privacy, I kindly request the prompt removal of these inaccuracies. Your cooperation in rectifying this issue would be greatly appreciated.
Consumer complaint received 2024-05-07
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. (WA)

It currently shows that I owe an alleged debt with XXXX. I have no idea who these debt collectors are. There has been no provision of an original contract or binding agreement complete with signature between myself and the alleged debt collector. On a report of credit that is connected to me, it shows that XXXX aka XXXX, has an account connected to my personal information that is open and current. That is misleading, misguided and an inaccurate. It is an egregious abuse of misinformation, and a theft of identity as they have my personal information without my permission or consent. It is a gross misconduct and abuse of the practices as a debt collector and should not be tolerated under the understanding and guidance of the Consumers Privacy Act, Fair Debt Collections Practices Act, and Fair Credit Reporting Act. This also shows that before allowing misinformation and inaccuracies to be allowed on a report of credit connected to me that all credit reporting agencies and bureaus did not investigate properly before allowing these negatives remarks and balances to be placed on said report.
Consumer complaint received 2024-05-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I recently submitted a request to reassess the previously disputed information The response I received, which was generated by a computer system, is unsatisfactory, and my patience is wearing thin. If the information is not promptly reevaluated and deleted, I will have no choice but to engage legal representation to seek redress through the court system, and I will also lodge complaints with regulatory bodies such as the CFPB, FTC, and my state attorney general 's office. 

I insist that you expeditiously remove and update this erroneous information and provide me with an updated version of my credit report. 

1. The status is incorrect for the following account. Please correct/update this inaccurate information on my credit report. these accounts were never late. 
XXXX Account Number : XXXX Date reporting NOT Accurate : XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX Date reporting NOT Accurate : XX/XX/XXXX Moreover, in accordance with the Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, I am demanding actual proof that the information was verified, rather than a computer-generated confirmation. Please provide the following : 1. The names and business addresses of each individual with whom you verified the information above, so that I can follow up. 2.The date on which you contacted the individual information furnishers. 3.The method of communication used to verify the information.
Consumer complaint received 2024-01-03
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. (NJ)

I just reviewed my credit reports and it shows inaccurate accounts. 

Please see the copy of my dispute letters that were already sent to the involved Bureaus. 

I have not received any responses yet
Consumer complaint received 2024-05-03
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC. (PA)

I checked my credit report and I see unauthorized accounts on my report. Listed below are the dates and accounts of these unverified-authorized accounts. 

XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX, EQUIFAX XXXX. 

XXXX : XXXX XXXX, XXXX XXXX, Equifax XXXX. 

I was not notified about these accounts being brought by a debt collector, and I requested debt validation from all of the parties involved with no response, therefore this debt should be removed immediately.
Consumer complaint received 2024-07-08
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. (FL)

I am filing to formally dispute the inaccurate reporting of a collection account by XXXX XXXX XXXX on my credit report. This account has been incorrectly reported and is adversely affecting my credit score. Despite my efforts to resolve this issue directly with the credit bureaus and XXXX XXXX XXXX, the incorrect information remains on my report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-07
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)

I have noticed that I have had hard inquires on my consumer report that does not belong to me. as well as Bank account listed by the following companies XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX please remove the following accounts below. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX {$23000.00} XXXX XXXX ( open ) XX/XX/XXXX XXXX It has impacted me deeply and has hurtled me. The consumer report agencies have validated the consumer laws that was passed by congress. Collections 15 US. Code 1692c and Hard inquires 15 US.code 1602p All must be removed. I am also opting out of all secondary bureaus holding any negative information must come off reported by Transunion, XXXX, XXXX This consumer law gives me the authority to tell the information that I wish to be requested to be deleted on my consumer report. 




And it must happen within 4 business days. Due to me filing my FCT Report. This law states that if you file a police report through the FCT, it must be removed.
Consumer complaint received 2024-05-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

Although I have asked for and received credit score info from all three and now from XXXX, the score is based on inaccurate and untimely information. As time goes by, it is undermining my financial health and reputation.How do I get the agencies to report accurately and truthfully?
Consumer complaint received 2024-01-03
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: Experian Information Solutions Inc. (CA)

I am writing to follow up on my previous complaints regarding the inaccurate items that appear on my credit report. As I stated before, I am deeply concerned about the presence of unrecognizable information on my report, and I know it is essential to reiterate the gravity of this matter.
Consumer complaint received 2024-01-03
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: Experian Information Solutions Inc. (TX)

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-05-07
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. (NV)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX  and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. Please see attached file for these items I am complaining.
Consumer complaint received 2024-05-07
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)

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.

has violated my rights. Or a list of inquiries : 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 2024-05-07
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. (MI)

I pulled a copy of my credit report and noticed fraudulent accounts that i need DELETED immediately. Under 15 USC 1681c-2, I am demanding the following fraudulent accounts be immediately deleted from my consumer reports as they were NOT accounts originated by myself nor were they authorized to be posted on my consumer report. This constitutes identity theft and they must be deleted immediately. PLEASE DELETE THE FOLLOWING FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX  ( Original Creditor XXXX XXXX XXXX XXXX XXXX  ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ) XXXX XXXX ( Original Creditor XXXX XXXX XXXX ) XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX XXXX  ( Original XXXX : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX ) THE BUREAUS ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I also filed an FTC complaint, See ATTCH : XXXX
Consumer complaint received 2024-05-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

On XX/XX/XXXX I mailed off dispute letter to both credit reporting agencies noted in reference to some late payments thats Ive noticed that were not accurate. I supplied the attached dispute letter, I have waited 30 days and have not heard anything back from the company. In the letter I also stressed the importance of the dispute and how I would seek monetary damages for the consistent neglect to the proper dispute process.
Consumer complaint received 2024-01-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (TX)

Experian Credit Report : Inaccurate Reporting of Information Corporation : XXXX -Negative Balance {$440.00} - Disputed Amount Owed. 

Refunds for Charges Deducted for Bank Account Requested due to ID Theft while XXXX 

Balance XXXX : {$0.00} Delete from Credit Files XXXX 
Discharge Balances. 
Refund Premiums Deducted from Bank Accounts. 

Collection Accounts Total Balance : Experian {$15000.00} ID Theft Restoration and Account Balances and Funds Recovery Experian Credit Report : Inaccurate Reporting of Information Debt Collection Removal : XXXX XXXX XXXX {$440.00} XXXX XXXX XXXX {$2200.00} XXXXXXXX XXXX {$350.00} XXXX XXXX {$12000.00} Reimbursements Credits and Fee Reversals Corporate Account Check Disbursement for Unauthorized Account Payments -Issue Credits and Refunds XXXX XXXX Balance {$440.00} XXXX XXXX XXXX XXXX {$2200.00} XXXX XXXX XXXX  {$350.00} XXXX XXXX XXXX XXXX {$12000.00} - Disputed Amounts Zero ( {$0.00} ) Balances Owed. 

Refund for Outstanding Debts and Payments Drafted from Accounts. 

Refunds for Charges Deducted for Bank Account Requested due to ID Theft while XXXX. 

Balance XXXX : {$0.00} Delete from Credit Files XXXX 
Discharge Balances. 
Refund Premiums Deducted from Bank Accounts.
Consumer complaint received 2023-03-17
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: Experian Information Solutions Inc. (GA)

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 Account XXXX, has violated my rights. 
XXXX  XXXX XXXX XXXX, has violated my rights. 
The US Department of Edu XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX, has violated my rights. 
XXXX XXXX XXXX XXXXXXXX, has violated my rights. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 
XXXX XXXX XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX XXXX, 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 : 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 2023-09-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (MI)

I went to a stand alone Chase atm and deposited {$100.00} cash into the machine. After it took my deposit, the machine went blank and my deposit was not credited to my account. This was on Sunday, XX/XX/XXXX between XXXX in the XXXX. The atm is located in XXXX XXXX, MI on XXXX XXXX and XXXX XXXX. I took pictures of the screen at that time it was blank.
Consumer complaint received 2024-01-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

XXXX and Experian are both reporting late payments on an account that was charged off a year ago the XXXX XXXX account has recently closed. I surrendered the vehicle in XX/XX/XXXX, it was immediately sold at auction according to the bank but are still showing late payments as far out asXXXXalso showing my last payment was made XX/XX/XXXX also inaccurate reporting. i want this account remove for inaccurate reportibg immediately.
Consumer complaint received 2024-05-07
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. (GA)

As per the Fair Credit Reporting Act ( 15 USC 1681 section 602 ( a ) ), it is emphasized that consumer reporting agencies must handle their responsibilities with fairness, impartiality, and respect for consumer privacy. XXXX, TransUnion, and XXXX are such agencies, and I, as the Consumer, have the right to ensure that my private information is not shared, as supported by 15 USC 6801. This law states that each financial institution, including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has a duty to uphold customer privacy and protect their nonpublic personal information. 

According to 15 USC 1681 section 604 ( a ) ( 2 ), a consumer reporting agency can only provide a consumer report with the explicit written instructions of the consumer concerned. None of the mentioned financial institutions or reporting agencies have my consent to furnish this information, verbal, non-verbal, written, implied, or otherwise. All previous forms of consent are hereby revoked.

Under 15 USC 6802 ( b ) ( c ), a financial institution can not disclose nonpublic personal information to a nonaffiliated third party without informing the consumer of their right to opt out. However, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have not informed me of this right. 

Furthermore, 15 USC 1681c ( a ) ( 5 ) prohibits consumer reporting agencies from including adverse information in a consumer report without authorization, especially information that predates the report by more than seven years. This account is adverse and is being reported without my permission, violating the law.

According to 15 U.S. Code 1681s2 ( A ) ( 1 ) ( A ), no one should furnish inaccurate consumer information to a reporting agency. XXXX, TransUnion, and XXXX are not maintaining reasonable procedures to avoid violations of consumer reporting laws. Additionally, 12 CFR 1016.7 allows consumers to opt out of reporting services at any timeI am exercising this right now.
Consumer complaint received 2024-05-07
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. (CT)

Despite my repeated attempts to address the fraudulent, inaccurate, and misleading information on my consumer report, the issue persists. These items have had a profound impact on my life, causing significant stress and XXXX It is important to note that I did not authorize or consent to the association of this information with my name, as I have been a victim of identity theft.
Consumer complaint received 2024-05-07
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)

I am a victim of identity fraud. I previously viewed my consumer report with numerous of fraudulent inquiries. I had also filed a FTC report stating that the inquiries are fraudulent but there hasnt been no update since XXXX of 2024. With The Fair Credit Reporting Act 15 U.S.C it regulates the accuracy, fairness and privacy for the consumer. I had contacted all 3 bureau and still havent made any contact.