davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-29
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. (CA)

Dear Consumer Financial Protection Bureau, I am writing to file a complaint and seek assistance in resolving an issue with my recent consumer report. Upon reviewing my report, I discovered a late payment entry which I believe to be inaccurate. As per my understanding, credit reporting agencies are required to maintain accurate reporting standards. 

Specifically, the late payment in question is listed for ( XX/XX/2024 ). I kindly request that you assist in facilitating a thorough investigation into this matter. If, upon investigation, it is found that there is no verifiable evidence supporting the claim of a late payment, I respectfully ask that you ensure my payment history is updated to reflect that it was paid on time and has never been late. 

I appreciate your attention to this matter and look forward to your assistance in resolving this discrepancy.
Consumer complaint received 2024-01-11
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Despite my continuous efforts to dispute and correct the late dates associated with my account, there has been a complete lack of resolution from your end. 
I insist that you conduct a thorough review of my dispute and rectify the inaccuracies promptly. The payment was made within the stipulated time frame, and I expect the credit report to accurately represent this fact. 

The account in question is as follows : 1. Creditor Name : XXXXXXXX XXXX Account Number : XXXX Date Opened : XX/XX/2017 I am well aware of my rights under the Fair Credit Reporting Act ( FCRA ), and the inclusion of inaccurate information on my credit report is a direct violation of those rights. I demand that you remove the inaccurate late date associated with the account mentioned above within the next 15 days.
Consumer complaint received 2024-04-29
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. (CA)

Dear Consumer Financial Protection Bureau, I am writing to file a complaint and seek assistance in resolving an issue with my recent consumer report. Upon reviewing my report, I discovered a late payment entry which I believe to be inaccurate. As per my understanding, credit reporting agencies are required to maintain accurate reporting standards. 

Specifically, the late payment in question is listed for ( XX/XX/2024 ). I kindly request that you assist in facilitating a thorough investigation into this matter. If, upon investigation, it is found that there is no verifiable evidence supporting the claim of a late payment, I respectfully ask that you ensure my payment history is updated to reflect that it was paid on time and has never been late. 

I appreciate your attention to this matter and look forward to your assistance in resolving this discrepancy.
Consumer complaint received 2024-01-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

Dear Consumer Financial Protection Bureau ( CFPB ), I am writing to file a formal complaint against EQUIFAX INFORMATION SERVICES LLC regarding inaccurate information reported on my consumer report. This complaint is grounded in the violation of a crucial CFPB rule concerning human trafficking. 

The CFPB, under 12 CFR 1022.142, prohibits the inclusion of adverse information in consumer reporting for cases of human trafficking. 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 

In my XXXX ( XXXX ) CFPB Compliant ID, XXXX ( XXXX ) CFPB Complaint ID Number, and XXXX ( EQUIFAX ) CFPB Complaint ID Number XXXX I explicitly communicated to the Consumer Reporting Agencies ( CRAs ) that they lack my lawful consent to report the mentioned accounts, as indicated in the attached notices. Regrettably, the CRAs negligently failed to comply, disregarding my will and violating my human rights.

Human rights, as outlined in Article 4 of the Declaration of Human Rights, prohibit XXXX  and servitude in all forms. The CRAs have, in effect, subjected XXXX XXXX to both direct and indirect slavery and debt bondages. 

Attached are notarized documents supporting my notices. XXXX, EQUIFAX, and XXXX ( collectively the " CRAs '' ) have willfully and negligently failed to comply with multiple disputes, and I am now demanding compensation for damages, encompassing intentional infliction of emotional distress, humiliation, defamation, and other related harm. 

I hereby reserve all rights to sue, applying this to XXXX XXXX XXXX XXXX XXXX, Equifax Information Services LLC, XXXX XXXX, their parent companies, subsidiaries, affiliates, divisions, contractors, and all data sources and suppliers collectively referred to as the CRAs. This complaint is effective immediately. 

All Rights Reserved. 

Sincerely, XXXX, XXXX All Rights Reserved UCC 1-308
Consumer complaint received 2024-01-11
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. (NC)

To whole it may concern In accordance with the ( FCRA ) Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality again under 15 USC 1681. 

[ XXXX XXXX XXXX  ] [ XXXX ] & [ {$7800.00} ] According to the FCRA the following rights have been violated. 

15 U.S. Code 1681b - Permissible purposes of consumer reports a ) In generalSubject 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.

15 U.S.C. 1681s-2 ] Reporting information with actual knowledge of errors. A person shall not furnish any information relating to consumer reporting agency if the person knows or has reasonable cause to believe that information is inaccurate.

15 U.S.C. 1681 Section 602 ( 4 ) There is a need to ensure that consumer reporting agencies exercise their responsibilities with fairness, impartiality and respect for the consumer 's right to privacy. 


All items need to be permanently blocked & removed from my consumer report
Consumer complaint received 2024-04-29
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. (MI)

In accordance with the Fair Credit Reporting act. The 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. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-01-11
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. (NV)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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 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 According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Consumer complaint received 2024-01-11
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. (NJ)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Consumer complaint received 2024-04-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IN)

PLEASE BLOCK AND REMOVE I urgently request that you take immediate action to remove the fraudulent inquiries from my credit report. These unauthorized inquiries are causing me considerable XXXX, as I did not initiate or authorize them. It is unjust for me to be held accountable for these accounts, and I implore you to swiftly rectify this situation.
Consumer complaint received 2024-01-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

XXXX XXXX, Acct # : XXXX XXXX does not show this account at all. 

On report until such date is inaccurate, both XXXX and TransUnion. 
TransUnion reports : XXXX. Inaccurate payment history for XX/XX/2018 when compared with XXXX. 
XXXX. Inaccurate payment history for XX/XX/2018 when compared with XXXX. 

Disputed multiple times with XXXX and TransUnion Delinquent XXXX report inaccurate XXXX, no data for said month. XX/XX/2018 Account information between multiple reports is inaccurate for the above account in multiple aspects, not just XXXX aspect. It has been disputed multiple times with all three credit agencies yet only XXXX has removed the account due to the inaccuracies.
Consumer complaint received 2024-04-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

Despite numerous attempts to address these inaccuracies with the reporting agencies, the negative items remain unchanged, affecting my ability to secure credit and loans. I believe these inaccuracies stem from erroneous reporting or misunderstanding of my financial history.
Consumer complaint received 2024-01-11
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. (NC)

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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or 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 informationisinaccurate.
Consumer complaint received 2024-01-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

XXXX XXXX Acct # : XXXX Was removed from XXXX from dispute with CFPB complaint but remains on other reports from XXXX and TransUnion. 

On record until date inaccurate, TransUnion, XXXX XXXX has no payment data on record TransUnion has incomplete payment history. 

Have disputed multiple times with all 3 credit bureaus and only was deleted from XXXX report. XXXX and TransUnion failed to properly investigate fictitiously stating information was verified without an investigation.
Consumer complaint received 2024-01-11
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)

In accordance with the fair credit reporting XXXX XXXX violated my rights 15 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit as late for purpose.
Consumer complaint received 2023-09-18
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)

The following accounts ; XXXX XXXX  XXXX, XXXX XXXX XXXX, EXPERIAN 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 are hindering me from getting a new car and a mortgage for a house because my credit report has compromised. The above accounts and inquiries are fraudulent and I want those accounts removed from my report.
Consumer complaint received 2024-03-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (VT)

I've been trying for the past three days to remove a security freeze from my account. I have used the web portal and made numerous calls to the consumer service lines. I am consistently told that the freeze has been lifted, but when my mortgage broker goes to pull my credit report it is still showing as frozen.
Consumer complaint received 2023-09-18
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.
Consumer complaint received 2023-07-29
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (DE)

I hope this message finds you well. I am writing to submit an appeal regarding the permanent limitation that has been placed on my PayPal account ( XXXX ). I firmly believe that this limitation was a result of a mistake and I would like to present my case for re-evaluation. 

Firstly, I want to emphasize that I have always been a responsible and law-abiding PayPal user. To the best of my knowledge, I have not violated any of PayPal 's policies or engaged in any activities that could warrant such a severe action. I have been using PayPal for a considerable period, conducting legitimate transactions without any previous issues or complaints. 

I am kindly requesting PayPal to thoroughly re-investigate my account and the reasons behind this permanent limitation. It is my sincere belief that there has been an error or misunderstanding, which has led to this unfortunate situation. I genuinely value the services provided by PayPal and the convenience it offers, both to me and countless other users. Hence, I earnestly hope that the issue can be resolved, and my account can be reinstated as soon as possible. 

I understand that PayPal must take measures to ensure the security and integrity of the platform for all users. However, I humbly request a second look at my case, and I am willing to provide any necessary information or documentation that may aid in the review process. I truly value the trust and confidence that PayPal places in its users, and I assure you that restoring my account will not be in vain. 

In conclusion, I kindly appeal to PayPal to re-evaluate my account 's limitation and reinstate it if possible. I believe in the fairness and professionalism of PayPal 's support team and have faith that my case will receive the attention it deserves. 

Thank you for taking the time to review my appeal. I look forward to your positive response.
Consumer complaint received 2024-04-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to express my deep disappointment upon discovering a bankruptcy entry in my credit report. After careful examination, it has become evident that this entry does not correspond to any actions or decisions made by me. As a diligent and responsible individual, maintaining a positive credit history has always been a top priority. Therefore, encountering such a significant error is not only concerning but also distressing. Please keep me informed of the steps taken to address this issue and provide updates on the progress of the dispute resolution process. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate it lists the bankruptcy court as the furnisher thats forgery and misleading when the courts dont report this type of account.
Consumer complaint received 2024-04-29
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)

Finding an error indicating a late payment on my account is distressing, especially considering my history of consistently meeting payment deadlines. This discrepancy is causing unwarranted XXXX and I urge you to rectify the situation promptly by updating my records accordingly.
Consumer complaint received 2024-01-10
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)

I was a victim of identity theft and this company is still reporting these fraudulent accounts ; XXXX XXXX, XXXX, XXXX XXXX XXXX on my credit report. This needs to be deleted from my credit report IMMEDIATELY as this is a violation of the FCRA & my consumer rights
Consumer complaint received 2024-04-29
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. (TX)

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 2024-01-10
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)

I was a victim of identity theft and this company is still reporting this fraudulent account ( s ) on my credit report. This needs to be deleted from my credit report IMMEDIATELY as this is a violation of the FCRA & my consumer rights.