davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-09
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. (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. 

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 2023-10-19
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: Experian Information Solutions Inc. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

PLEASE DELETE HARD INQUIRES THANKS!
Consumer complaint received 2018-08-06
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: Experian Information Solutions Inc. (IL)

I am requesting the removal of these bankruptcies ( below ) on my Experian credit report due to their failure to provide me with verifiable proof required for their company to post the accounts listed below is evidence that it does not exist and therefore is proof that they can not properly Verify the accuracy of any of the disputed accounts. Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA they were required to promptly DELETE all information which can not be verified., Experian has violated the Fair Credit Reporting Act ( FCRA ). Please have them remove these bankruptcies ASAP. 
Furthermore, I disputed this inaccurate information on XX/XX/2018, XX/XX/2018, XX/XX/2018, and XX/XX/2018. Experian REFUSES to disclose who verified this inaccurate information. I also contacted the bankruptcy court via mail at XXXX XXXX XXXX, XXXX, Il XXXX and they stated they do not correspond with credit bureaus and never verified this information with Experian which documentation of said information by the Court is attached. 
Due to the inaccurate information XXXX  deleted these bankruptcies and I asked Experian to follow suit in which they did not and continue to report this unverified inaccurate information on my credit report. Attached are documents supporting my aforementioned claims against Experian and its imprecisions. 
Bankruptcy Ref. # XXXX & Bankruptcy Ref. # XXXX Warm regards, XXXX XXXX
Consumer complaint received 2021-08-28
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: CAPITAL ONE FINANCIAL CORPORATION (MI)

Hard inquiry and soft inquiry were both documented on my credit report on XX/XX/21 from Capital One. I have not nor did not initiate this inquiry on XX/XX/21. I was notified of inquiry through a credit monitoring service, then immediately contacted Capital One. They stated no new accounts were open but failed to respond to why an inquiry would of been done without my initiating it. After 3 attempts with Capital One, they referred me to the credit bureaus and I see the listed inquiry. I need it removed.
Consumer complaint received 2023-10-06
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: Pinnacle Finance LLC (GA)

I would like the following inquiries to be deleted, I did not authorize these companies to run my credit. This is fraudulent. 

Pinnacle Financial XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-02
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: Experian Information Solutions 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 2024-04-09
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. (VA)

I am writing to file a formal complaint against TransUnion, a credit reporting agency, for multiple violations of the Fair Credit Reporting Act ( FCRA ) resulting in significant harm to my credit standing. 

In reviewing my credit report, I discovered that TransUnion has listed non-mailable addresses on my credit report. These inaccuracies have adversely affected my credit score and financial opportunities. According to my assessment, there are a total of 18 violations of the FCRA by TransUnion. 

The FCRA mandates that credit reporting agencies, such as TransUnion, maintain accurate and up-to-date information on consumer credit reports. The inclusion of non-mailable addresses not only violates this requirement but also undermines the integrity of the credit reporting system, leading to potential financial harm for consumers.
Consumer complaint received 2024-04-09
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)

To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.

Please investigate if every piece of information is correct. If not, please remove it from my credit report.

1. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXX Account Number : XXXX Please remove it from my credit report. 


XXXX there is some inaccurate information reporting XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 


3. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


4. 15 U.S. CODE 1681I - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX XXXX XXXX Account Number : XXXX Delete this account. 


5. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXX Account Number : XXXX Delete this account. 


6. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Please remove it from my credit report. 


7. 15 U.S. CODE 1681I - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX  Account Number : XXXX Please remove it from my credit report. 


XXXX there is some inaccurate information reporting XXXX  Account Number : XXXX Please remove it from my credit report. 


9. 15 U.S. CODE 1681Q - OBTAINING INFORMATION UNDER FALSE XXXX XXXX XXXX Account Number : XXXX Delete this account. 


10. there is some inaccurate information reporting XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


11. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Delete this account. 


12. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report.
Consumer complaint received 2023-11-02
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: Experian Information Solutions Inc. (MN)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2023-09-20
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: I.C. System, Inc. (SC)

INQUIRIES XXXX XXXX XXXX XXXXXXXX XXXX XXXX ; XXXX INQUIRY XXXX. XXXX XXXX XXXX : XXXX ; XXXX INQUIRY XXXX. XXXX XXXX : XXXX INQUIRY XXXX. XXXX XXXX XXXX : XXXX ; XXXX ; XXXX ; XXXX INQUIRY XXXX. XXXX : XXXX INQUIRY XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX : XXXX XXXX. XXXX XXXX XXXX : XXXX INQUIRY XXXX. XXXX : XXXX INQUIRY XXXX. XXXX XXXX : XXXX INQUIRY XXXX. XXXX  : XXXX INQUIRY XXXX. XXXX XXXX : XXXX XXXX. XXXX : XXXX INQUIRY XXXX. XXXX XXXX XXXX XXXX : XXXX COLLECTIONS XXXX. XXXX XXXX {$1400.00} - NO KNOWLEDGE OF ACCOUNT - ATTEMPTED DISPUTE XXXX. XXXX XXXX {$0.00} - NO KNOWLEDGE OF ACCOUNT - ATTEMPTED DISPUTE XXXX. XXXX XXXX {$0.00} - NO KNOWLEDGE OF ACCOUNT - ATTEMPTED DISPUTE XXXX. XXXX XXXX  {$0.00} - NO KNOWLEDGE OF ACCOUNT - ATTEMPTED DISPUTE 5. IC SYSTEM COLLETION {$870.00} - NO KNOWLEDGE OF ACCOUNT - ATTEMPTED DISPUTE XXXX. XXXX XXXX {$210.00} - NO KNOWLEDGE OF ACCOUNT - ATTEMPTED DISPUTE
Consumer complaint received 2024-04-09
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: EQUIFAX, INC. (GA)

Under FCRA XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXI didnt authorize these companies to submit these inquiries.im disputing these inquiries and want them removed from my credit report.Please have these unapproved inquiries removed from my credit report with in 30 days as it is harming my ability to obtain new credit, job ventures ect.I would like a copy of my credit report once this matter is resolved.Credit companies treat inquiries like they are statement of facts and will not let consuers to dispute them.Since it is against federal law ( fair credit reporting act 15USC S 1681 n ( A ) ( 1 ) ( B ) for an entity to view a customers credit report without a permissable purpose. I am writing toinquire as to thee alleged purpose to do so sice i did not apply or request credit from this or thier organization.Based on evidence those inquiries were obtained under false pretenses and kowing without permissable purpose, actual damages substained {$1000.00} which ever is greater.
Consumer complaint received 2018-07-16
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. (GA)

I viewed my credit report and found late payments below.. 
Creditor : XXXX XXXX XXXX I was never late 30, 60, or 90 days late in the months of XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Im not sure when this happened or what could have happened. I believe that I had made my payments to your company when I received my statements. My only thought is that there is a billing error with my statements.
Consumer complaint received 2023-12-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

I find it hard to come to terms with the issue. I urge you to rectify my account without delay. Historically, I've always been punctual with my payments, and it feels unjust to face repercussions for an error not of my doing.
Consumer complaint received 2023-05-31
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. (NJ)

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 2024-04-09
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)

I am writing once again to dispute the same negative items that I previously raised with your department in my CFPB Complaint. 

Please see attached letter for the details.
Consumer complaint received 2018-08-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In trying to place a credit freeze for heightened security as recommended by XXXX, I got on to the Transunion site and with a very perky " Tell us about yourself! '' in bold fonts and colors, I filled out the form as it prompted, " Do you want your credit score and credit report? '' As I did want it and not realizing that I needed to go to CFPB for this information, I filled in the forms, not noting the separate boxes to the side. The top separate box had a sample credit score and was clearly an ad for their services and a lower box ( that my eyes skipped over because this was an ad, right? ) with a font that was a third the size of the " tell us about yourself! '' says " you have chosen credit monitoring for XXXX mo. '' I completed the form on three pages. # 2 was create your account, # 3 was verify your identity. At no point did it prompt me ( as all other business sites do ) to agree that I was paying for this service. 
My fault not to realize that if they were asking for credit card info it was for payment and not for a verification of which card I was creating the credit on! I don't think I am XXXX  as I have an advanced degree ( That's my excuse anyway. ) This looks like a misleading way to process a charge. It felt as if it was meant to confuse. They nicely refunded the monthly recurring charge but " nothing could be done '' about the credit report charge as I had already received it. This is a tainted business practice and it felt underhanded. To add insult to injury, My practice of living debt free, paying the mortgage in full, cash for the new car and prompt credit card payments each month for 30 yrs. got me a rather low score of XXXX!
Consumer complaint received 2024-04-09
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. (GA)

The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( XXXX ) Method of verification- Description of reinvestigation procedure
Consumer complaint received 2018-10-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have requested for fraud alert removal and it's still showing on my account and this is affecting my ability to open a bank account. I need the fraud alert removed as soon as possible. and please update my phone number to XXXX thank you.
Consumer complaint received 2018-08-05
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc. (FL)

I was trying to add a new number to my Coinbase account since my att account was suspended and I got a new number.I called their customer support on XX/XX/18 at around XXXX for help. The rep told me to reset my password and in doing so I was locked out of my account for 2 weeks. They said someone would contact me so I could get my new number on their but that never happened ( what a surprise ) .only way I could access to my Coinbase account was to restore my old number so I payed {$270.00} to get my service back. When I was able to get back into my Coinbase account I was not able to buy or sell and all the stuff I verified was no longer valid. I was planning on using the money in my Coinbase to replace the {$270.00} I had to spend but I cant. Ive been going through financial struggles and cant even get access to MY money because their rep gave me bad information and now Im the one that has to suffer. Im tired of companies like this taking advantage of hard woriming people like me. I have 9.5 litecoin which is worth about {$700.00} at the moment and thats money I really need. Ive called numerous times but their customer support is useless if their rep had never gave me that information I wouldnt be in this situation its really messed up I have to go through this but they can make a mistake like this and walk away scotch free.
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: EQUIFAX, INC. (NJ)

XXXX XXXX XXXX XXXX XXXX Equifax is in violation of the Gramm-Leach-Bliley Act ( GLBA ) and its provisions regarding Non-Personal Information ( NPI ). Per the GLBA, NPI XXXX XXXX violated ( GLBA ) and ( NPI ) by sharing my non-public Personal and Financial information to Equifax without being authorized by me by not signing a opt out disclosure and Equifax violated by sharing and selling my non-public Personal and Financial Information for marketing & monetary purposes, The Gramm-Leach-Bliley and Non-public Information ( NPI ) violation includes any information provided by an individual to obtain a financial product or service, such as name, address, income, Social Security number, or other application-related details. Financial institutions are required to provide an initial notice to customers at the establishment of the relationship and an annual notice thereafter. It has come to my attention that the charge-off on my credit report is inconsistent with the GLBA 's requirements, as I have not received the necessary notices and information regarding the handling of my NPI. Specifically, I have not been provided with an initial notice at the establishment of the customer relationship or an annual notice thereafter, as mandated by the GLBA Moreover, if my NPI has been shared with nonaffiliated third parties, I have not been given the requisite opt-out notice, a reasonable way to opt out, and a reasonable amount of time to exercise my right to opt out before any disclosure. This lack of compliance raises serious concerns about the handling of my financial information. I kindly request a thorough investigation into this matter, and I expect the immediate removal of the charge-off from my credit report if it is found to be in violation of the GLBA. Failure to do so may result in penalties outlined in the GLBA, including fines and potential legal action. I anticipate your prompt attention to this matter and a written response detailing the steps taken to rectify the situation and ensure compliance with the GLBA.I never seen a opt out disclosure from Equifax that gives them authority to use and share, sell non-public Personal and Financial Information for marketing and Financial purposes without having permissible purpose, BELOW IS THE SCREEN SHOT OF WHAT I RECEIVED, if you do have permissible purpose who authorized and granted you those rights.Accepting unauthorized Non-public personal financial Information is theft, And fall under AGGRAVATED IDENTITY THEFT.
Consumer complaint received 2023-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: PENTAGON FEDERAL CREDIT UNION (MD)

Me and my wife joined XXXX years ago National debt relief program. The got the personal loan I had with Penfed credit union because my wife signed as cosigner. During the debt consolidation program penned collect some of the debt from my wife through national debt relief but they did report it to XXXX and XXXX as rightoff and bad credit and they didn't report that some of the money is paid off. This happened also with XXXX XXXX XXXXXXXX. Here I paid some of the debt through national debt relief but is not reported to XXXX and XXXX.
Consumer complaint received 2024-04-09
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)

Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct.

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2023-07-28
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. (TX)

I have sent several letters to Transunion XXXX and XXXX about some inquiries on my credit report that were not authorized and since they are fraud should be removed from my credit file, however, they refuse to remove them off my report so I believe they are committing acts fraud right along with the company that is doing the reporting.