davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-04
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. (TX)

I'm a victim of identity theft whoever stole my identity opened fraudulent accounts in my name and the accounts are reporting negatively on my credit report. Here are some of the fraudulent inquires and accounts ... .I also attached supporting documents. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-15
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)

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's my understanding that XXXX will investigate XXXX account for me to ensure accuracy Here is the account I am asking you to verify as accurate : XXXX XXXX Account Number XXXX
Consumer complaint received 2024-01-25
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)

Dear Consumer Financial Protection Bureau, I hope this message finds you well. I am writing to express my concern regarding an unresolved issue with my credit report. 

Previously, I had filed a complaint about an unexpected and unjustified drop of XXXX points in my credit score. Despite my efforts to rectify this situation and the assurance from the concerned company that they were addressing the issue, the problem remains unresolved. 

The company 's response was to send me a copy of my TransUnion credit report to my current address. However, this action does not address the core issue at hand, which is the unexplained and significant drop in my credit score. I believe there must be an error or misunderstanding that has led to this situation. 

I am deeply concerned about the potential impact this could have on my future financial endeavors. I am confident and determined to rectify this situation, as I believe in the importance of maintaining a healthy and accurate credit report. 

I kindly request your assistance in investigating this matter further. I am hopeful that with your intervention, the concerned company will take the necessary steps to ensure the accuracy and integrity of my credit report. 

Thank you for your attention to this matter. I understand that the process of resolving such issues can be complex and time-consuming, but I am committed to seeing it through to ensure that my credit history accurately reflects my financial behavior. 

I am hopeful that your intervention will prompt a thorough investigation into the cause of this sudden drop in my credit score. I believe that everyone deserves a fair and accurate representation of their credit history, and I trust that the CFPB shares this belief. 

I look forward to your prompt response and assistance in this matter. I am confident that with your help, we can rectify this situation and restore the accuracy of my credit report. 

Thank you once again for your time and consideration. I appreciate your dedication to protecting consumers ' rights and ensuring the integrity of our financial system. 

Best Regards
Consumer complaint received 2023-11-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.
Consumer complaint received 2024-04-15
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 account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


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 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 moreover than XXXX 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 2024-04-15
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)

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE XXXX  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.

UNAUTHORIZED INQUIRIES : Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 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 2024-01-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (IL)

On XX/XX/XXXX, i provided all the letters i received from all creditors and provided to all three credit bureaus and as of XXXX, the accounts are not reporting accurate, and the others are not removed per the creditors requestXXXX XXXX is current and never paid late and the credit reporting agency is reporting several late payments.
Consumer complaint received 2024-08-09
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. (VA)

CFPB, it's been over year calling, online disputing with TransUnion about this hard inquiry that I know nothing about. TransUnion continues to ignore it. Someone needs to take accountability
Consumer complaint received 2023-11-17
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Weltman, Weinberg & Reis Co., L.P.A. (OH)

Spam calls I was unaware were XXXX XXXX  since I already receive so many spam calls a day. Sent documentation to wrong address so I was unaware still. I am willing to pay back I just do not want civil suit. I was also hospitalized when the court papers were sent. I got out of treatment on XX/XX/2023. Im struggling mentally and financially and am looking for mercy on this.
Consumer complaint received 2018-01-26
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Nelnet, Inc. (PR)

I currently have a loan with Nelnet. I have the income base payment plan, but the monthly interest is higher than the payment I can made. So my balance is increasing instead of being lower with my monthly payments because I am not paying enough to cover the interest. I write an email to Nelnet to  see if they can apply my payment to the principal, but they respond that my payment go first to interest and last to principal. And that I need to make additional payments in order to lower the principal. I can not pay a bigger amount right now and I feel that I am wasting my money because is not making any difference in my final balance.
Consumer complaint received 2024-04-15
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)

I am a victim of identity theft. Please delete or remove these items on my behalf.

These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 




XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2024-01-04
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. (WA)

Experian failed at their grave responsibility to protect my right to my privacy and violation of my rights. 

According to the Fair Credit Reporting Act 15 USC 1681 section 602 ( a ) states " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Experian is a consumer reporting agency, and I am the Consumer. I have the right to make sure my private information is not shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' In accordance with the Fair Credit Reporting act. The List of accounts attached has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C 1681a ( 2 ) ( a ) ( 1 ) : states the term consumer report does not include any report containing information solely as to transactions or experiences between the consumer and the person making the report. Due to these issues in my report, I am having a tough time providing for my family and unable to get into a home. I am unable to secure a loan for school to better my career due to these discrepancies. I want to emphasize the severe financial and emotional distress that this inaccurate and negative reporting has caused me and will continue to cause until it is resolved. 

Also, in accordance with the Fair Credit Reporting act. 15 U.S.C 1681b ( c ) ( 3 ) Information regarding inquiries states a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. Unless you have proof that I authorized these inquiries, they need to be removed as it is a violation of the FCRA.
Consumer complaint received 2018-01-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PR)

XXXX XXXX XXXX XXXX, 2017 XXXX, WI XXXX ( XXXX ) XXXX This company make a hard inquiry without my consent. I call the number XXXX to verify why my name a social has been used to make business. They say " we are allowed to make hard inquiry on future costumers '', so who gave you the permission to do it because so far my social security number, name and address are not located in a billboard?. So basically they do as the please and your score goes down 9 points.
Consumer complaint received 2018-01-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PR)

I started a dispute online with transunion on XX/XX/XXXXand today XX/XX/XXXX still open status with no update status Ive ask them to look into some facts that where to me not right. 

Some balances that are there that should not be there
Consumer complaint received 2024-08-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (MD)

I maintain a myEquifax account so I am able to manage credit freezes on my credit report. I recently removed the credit freeze so that a home security company could do a soft credit inquiry on my account. After removing the freeze, the company was still not able to access my credit report for their soft inquiry. I called Equifax ( XXXX ) to help research the issue. I was asked for my address, SSN, DOB, name, email and phone number. I provided all of that data and Equifax still tried to get me to send them a copy of my drivers license. They sent a text to my cell phone trying to get me to provide this info and I did not feel comfortable or feel that it was necessary. Because I would not provide a copy of my drivers license they would not even tell me why the company wasn't able to do the soft inquiry nor would they help me fix the issue.
Consumer complaint received 2024-08-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (IL)

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 and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-01-25
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I've never faltered in my commitment to timely payments. The impact of this error on my mental well-being is significant, affecting my sleep and peace of mind. I respectfully ask for an immediate correction to my account and hope you understand the urgency of this situation.
Consumer complaint received 2024-04-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CT)

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 2023-08-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference,
Consumer complaint received 2024-01-25
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. (IL)

XXXX XXXX XXXX provided the credit bureau with a standard form letter that the debt was mine. XXXX provided no credit application, no signed contract, and no credit inquiries. XXXX provided a response that simply stated the debt is validated with none of my PII information attached. XXXX through the original debtor, XXXX, has created a fraudulent debt. The credit bureau did not verify that this debt is valid.
Consumer complaint received 2024-04-15
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. (NC)

I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. I am writing to dispute the following inquiries. It does not belong to me. I never established this inquiries.
Consumer complaint received 2024-01-25
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. (TX)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2018-05-30
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Island Finance Puerto Rico (PR)

Company : XXXX XXXX ( Puerto Rico ) been calling me for over a month asking for XXXX XXXX ( debt collection ) I've trying to explain them that I don't know this person in numerous times but they still keep calling me and leaving voicemails everyday.
Consumer complaint received 2024-01-04
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. (CA)

In accordance with the fair credit reporting act XXXX accounts # XXXX, # XXXX, # XXXX, has violated my rights.

15 U.S.C. 1681 section 602 A. estatus I have the right to privacy.

15 U.S.C 1681 section 602 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2023-12-08
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: TD BANK US HOLDING COMPANY (DE)

On XX/XX/XXXXXXXX  T D bank employee had given access to my locker box # XXXX without my permission. All my savings and personal items was stolen. When I went to access on XX/XX/XXXX I see someone else signature. There was back and fourth investigation with my full coopertation. With so many requst from my side there was no answer from Bank. I contacted O C C. They did investigation and made bank GUILTY. I hired Attorney Paid so much money to solve issue although its not my fault. 

T D bank attorney Has never responded with any answer or reply untill now. I an XXXX XXXX XXXX. I been so upset & depressed.. Has been not able to work or communicate with any one in proper manor. 
If I get some help or direction I will really appreciate.
Consumer complaint received 2024-01-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (TN)

I implore you to take action and remove these fraudulent accounts from my credit report immediately. I did not authorize or initiate these accounts, and it is unfair for me to be held accountable for them. I urge you to take the necessary steps to rectify this error as soon as possible.
Consumer complaint received 2024-04-15
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)

As someone who has consistently adhered to payment deadlines, it is troubling to discover an error suggesting a late payment on my account. This mistake is causing undue stress, and I urge you to promptly correct it by ensuring my records are updated accordingly.
Consumer complaint received 2024-08-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (LA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX 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 2024-04-15
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. (IL)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, XXXX, Experian, and XXXX.
Consumer complaint received 2024-07-28
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Debt Co LLC (TX)

When I checked my credit file I was disheartened by what I saw. On XX/XX/year> DEBT CO, LLC reported a collection account opened on XX/XX/year> in the amount of XXXX on my credit profile. I have no idea who they are nor whom they are attempting to collect a debt for. I did not receive validation notification of any debt owed to DEBT CO, LLC. I did not open an account with nor solicited any services with DEBT CO, LLC. I did not give any of my personal information to DEBT CO, LLC nor did I give my consent for them to access my credit profile.