davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-21
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)

After reviewing a copy of my credit report, I noticed inquiries. I do not remember that I applied for credit with these companies, so I would like to know what permissible business purpose you had for pulling my credit? I have heard of companies pulling credit without authorization and I know it is not allowed under the Fair Credit Reporting Act. I do not authorize these inquires.
Consumer complaint received 2023-09-28
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. (VA)

I have tried to get these accounts remove from Equifax report, they are reporting inquiries that are fraud. I have sent them the FTC report and police report stating that it is fraud But them refuse to remove them. Ten times, I have disputed inquiries from XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX  XXXXThese accounts are FRAUD!!!!! and are not mine. Equifax is govern by 15 USC 1681, they have violated my rights numerous times and I demand that these accounts be removed from my file. They continue to violate the truth in Lending act as well as the fair debt collection practices act. They must get paid by keeping these items on my report ......
Consumer complaint received 2022-12-09
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: EQUIFAX, INC. (FL)

I appreciate your taking the time to CORRECT some of the erroneous items in my credit file ; however, there are still many items that need to be UPDATED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-04-05
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. (PA)

XXXX XXXX XXXX XXXX XXXX are both charge-offs the irs clearly states If your debt is forgiven or discharged for less than the full amount owed, the debt is considered canceled for the forgiven or discharged amount that you no longer need to pay. Cancellation of a debt may occur if the creditor can't collect, or gives up on collecting, the amount you're obligated to pay. If you own property securing a debt, cancellation of the debt may occur due to foreclosure, repossession, voluntary transfer of the property to the lender, abandonment of the property, or a mortgage modification.

And 15 USC Code 1681e B states ( b ) Accuracy of report Whenever a consumer reporting agency pre- pares a consumer report it shall follow reason- able procedures to assure maximum possible ac- curacy of the information concerning the indi- vidual about whom the report relates.
Consumer complaint received 2024-04-05
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. (TX)

I am writing to dispute the following inquiries. It does not belong to me. I never established this inquiries. I have no knowledge of obtaining any of the inquiries listed here. Please remove these inquiries and send me an updated copy of my report after the investigation.
Consumer complaint received 2023-10-04
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: EQUIFAX, INC. (CA)

On XXXXXX/XX/XXXXXXXX was posted on my credit report as a hard inquiry. I did not authorize them or the credit bureau to do so. 

15 USC 1692c ( a ) without the prior consent of the consumer given directly to the debt collector the expressed permission of a court of competent jurisdiction a debt collector may not without a consumer in connection with the collection of any debt.

15 USC 1681 section 602A - states that I have a right to privacy.

15 USC 1681 section 2 - states that a consumer reporting agency can not furnish account without my written instructions.
Consumer complaint received 2023-05-01
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. (TX)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please update these items. 

XXXX XXXX XXXX XXXX XX/XX/2022 XXXX CO XX/XX/2022 XXXX DC XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XX/XX/2022
Consumer complaint received 2022-12-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I appreciate your taking the time to CORRECT some of the erroneous items in my credit file ; however, there are still many items that need to be UPDATED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-10-04
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)

XXXX XXXX : # XXXX # XXXX on XX/XX/2022 XXXX ( hard inquiry, adverse information ) in violation of section 5 ( a ) of the FTC ACT,15 USC 45 ( a ) Prohibits unfair or deceptive acts or practices under GLB ACT. OPTOUT /privacy NOTICE IS REQUIRED 160.4 ( a ) ( 2 ) deceptive omission of material fact.in violation of section 501 ( b ) of the GLB ACT,15 USC 6801 ( b ) Safeguard rules : to protect the security, confidentiality, integrity and privacy of the consumer NON PUBLIC PERSONAL INFORMATION from unforeseeable internal and external risk.Ive suffered and will continue to suffer substantial financial injury as a result of XXXX XXXX bank violation of the FTC ACT and GLB ACT.XXXX XXXX  bank has been unjustly enriched as a result of its unlawful acts or practices, it likely to continue to injure reap unjustment and harm the public interest in commerce .Please remove all adverse information.section 5 ( m ) ( 1 ) ( B ) of the FTC ACT 15USC 45 ( m ) ( 1 ) ( B ) fined is XXXX.deceptive acts or practices
Consumer complaint received 2023-10-30
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO. (SC)

On Monday XX/XX/2023 was notified by email from XXXX that JPMCB card services got a copy of my report and its and hard inquiry that I XXXX XXXX didnt approve. This is Fraud. I have report this to XXXX and Im on the phone with the card service to dispute this.
Consumer complaint received 2024-04-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. ()

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXXXXXX Account Name : XXXX XXXX XXXX
Consumer complaint received 2023-10-04
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. (MI)

XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX Account Number : XXXX To Whom It May Concern XXXX XXXX XXXX you are furnishing inaccurate and incorrect information to the consumer reporting agencies. 

The reporting of such inaccurate information has caused severe damage to my character, my reputation my general mode of living and my ability to obtain credit for personal and household purposes. 

You and your inaccurate reporting have damaged my livelihood. 

15 US Code 1681s-2- Responsibilities of Furnishers of Information to consumer Reporting agencies. 

( a ) Duty of furnishers of information to provide accurate information ( XXXX ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

Duty : a moral or legal obligation ; a responsibility Accurate : correct in all details ; exact PROHIBITION : a law or regulation forbidding something. 

15 USC 1681 s-2 Says you XXXX XXXX XXXX are a furnisher of Information to a consumer reporting agency. 
You are PROHIBITED BY LAW Furnish inaccurate information. I demand you to Cease and Desist the reporting of incorrect/inaccurate information immediately. 

15 USC 1681 S-2 ( a ) ( 1 ) ( A ) 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. 

You are hereby put on Notice that you are furnishing incorrect inaccurate information. 

15 U.S. Code 1681s-2- ( a ) Duty OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION 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. 

In conclusion I have shown you and you have been put on notice that you are reporting inaccurate information. 

The continued reporting of this information is a clear violation of the Law 15 USC 1681s-2 of your grave responsibilities as a furnisher of information. 

You have caused me and my family severe harm due to your negligence and inaccurate reporting. This is a final opportunity to cure and DELETE this erroneous, inaccurate account from my consumer report. You, XXXX XXXX XXXX did not gain my written permission to report any information on me to consumer reporting agencies, persons or entities. 



You have XXXX Calendar Days to Delete this Account from my Consumer Reports! 


Sincerely, XXXX XXXX
Consumer complaint received 2018-05-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

Submitted a dispute for a portion of a charge for services which were performed improperly and incompletely, which resulted in damage to my vehicle. I disputed {$450.00} of the total charge of {$870.00}.

The disputed charge is the first line item in the attached bill of service : " Major Tune Up, Parts and Labor ''. I disputed this charge because the spark plugs were improperly installed, resulting in my having to take the vehicle to a XXXX dealership for correction, which cost me an additional {$190.00}.

Bank of America refused to credit me the {$450.00} ( all correspondence is attached ) even after I provided written validation/verification from the XXXX Service Manager ( in addition to the invoice, which clearly states the spark plugs were loose/not installed properly ).

Bank of America DID NOT provide Consumer Protection to me in this case and the dispute process was a complete failure.
Consumer complaint received 2024-04-05
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. (OK)

XXXX XXXX  has been on my credit report for over XXXX  years and they compy will not remove it, per the fair debt collection reporting act I have contacted the company and they have failed to remove it, XXXX is XXXX  years from XXXX, XXXX  I want this company to remove the negative item off my credit report immediately.
Consumer complaint received 2024-04-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MA)

XXXX XXXX XXXX account XXXX. Was open fraudulently after my XXXX was stolen I have contacted all partys including XXXX XXXX and all XXXX credit bureaus at XXXX point it was removed from my credit report but then returned some time later this account never belonged to me. I have file a formal XXXX XXXX report with law enforcement and attached a copy of the report to this complaint
Consumer complaint received 2024-07-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

" The banking system is contingent upon equitable and accurate credit reporting, as stated in the equitable Credit Reporting Act ( 15 U.S. Code 1681 ). The banking system 's efficacy is directly impacted by inaccurate credit reports, and the public 's confidence is undermined by unfair credit reporting methods, which are essential for the system 's continued operation. 

Therefore, the efficiency of the finance system is compromised whenever the FCRA is violated. This is a violation of my privacy with respect to my consumer report, as I have the authority to determine which items are included and which are not. Identity theft is the act of reporting any accounts without my written consent. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This results in civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n. The law permits a {$1000.00} fine per violation for each account listed without my expressed written assent. 

I reviewed my consumer reports and observed accounts that I had never granted anyone permission to report. Consumer reporting agencies have taken on a critical role and are obligated to report consumer information with the utmost accuracy, as the Fair Credit Reporting Act explicitly stipulates. I did not provide written consent to report them. I am expressing my dissatisfaction with the contents of the attached file. ''
Consumer complaint received 2023-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

Re : Urgent Dispute with XXXX XXXX To Whom It May Concern, I am writing to file an urgent and strongly worded dispute with XXXX XXXX  regarding a recent settlement agreement that has unfairly damaged my credit report. My name is XXXX XXXX XXXX, and my account number with XXXX is XXXX XXXX XXXX XXXX. I have been a loyal customer of XXXX XXXX for XXXX and, regrettably, that loyalty has been repaid with dishonesty and deception. 

In XX/XX/XXXX, I was contacted by XXXX XXXX regarding an outstanding debt on my account. A XXXX representative aggressively pushed for a settlement, promising a quick resolution to my financial woes. However, during this interaction, I was deliberately not informed about the severe credit consequences of this settlement. The lack of transparency and forthrightness from XXXX XXXX is nothing short of a betrayal of trust. 

I subsequently discovered that this settlement has inflicted serious harm to my credit score, leaving a detrimental and unjustified negative remark on my credit report. I am appalled by this underhanded tactic used by XXXX XXXX, as I was led to believe that this would be a reasonable and fair resolution to my financial situation. 

I insist that XXXX XXXX correct this injustice immediately. I demand that XXXX XXXX takes immediate action to remove the damaging negative remark from my credit report, restoring my credit to its rightful state. Furthermore, I expect XXXX XXXX  to adopt transparent and ethical practices when dealing with customers ' financial matters. 

Enclosed, please find copies of the pertinent documentation, including my account statement and correspondence with XXXX XXXX, which clearly support my claims. 

I expect your prompt and thorough investigation of this matter. I demand a resolution that is not only fair but also serves as a deterrent to XXXX XXXX  from engaging in such deceitful practices in the future. 

I urge you to act swiftly on this matter, as the damage inflicted upon my financial well-being is entirely unwarranted. You may contact me at XXXX or XXXX if you require further information or clarification. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2021-06-22
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MD)

I was a victim of identity theft. This account is not mine nor it was authorized by me. I don't know who did this to me. 
I'm trying to get control of my credit so please investigate this.
Consumer complaint received 2023-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

Re : Urgent Dispute with XXXX XXXX To Whom It May Concern, I am writing to file an urgent and strongly worded dispute with XXXX XXXX regarding a recent settlement agreement that has unfairly damaged my credit report. My name is XXXX XXXX XXXX, and my account number with XXXX is XXXX XXXX XXXX XXXX. I have been a loyal customer of XXXX XXXX for 8 and, regrettably, that loyalty has been repaid with dishonesty and deception. 

In XX/XX/XXXX, I was contacted by XXXX XXXX regarding an outstanding debt on my account. A XXXX representative aggressively pushed for a settlement, promising a quick resolution to my financial woes. However, during this interaction, I was deliberately not informed about the severe credit consequences of this settlement. The lack of transparency and forthrightness from XXXX XXXX is nothing short of a betrayal of trust. 

I subsequently discovered that this settlement has inflicted serious harm to my credit score, leaving a detrimental and unjustified negative remark on my credit report. I am appalled by this underhanded tactic used by XXXX XXXX, as I was led to believe that this would be a reasonable and fair resolution to my financial situation. 

I insist that XXXX Bank correct this injustice immediately. I demand that XXXX XXXX takes immediate action to remove the damaging negative remark from my credit report, restoring my credit to its rightful state. Furthermore, I expect XXXX XXXX to adopt transparent and ethical practices when dealing with customers ' financial matters. 

Enclosed, please find copies of the pertinent documentation, including my account statement and correspondence with XXXX XXXX, which clearly support my claims. 

I expect your prompt and thorough investigation of this matter. I demand a resolution that is not only fair but also serves as a deterrent to XXXX XXXX from engaging in such deceitful practices in the future. 

I urge you to act swiftly on this matter, as the damage inflicted upon my financial well-being is entirely unwarranted. You may contact me at XXXX or XXXX if you require further information or clarification. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-10-04
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. (VA)

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 Dear CFPB, I am writing to bring to your attention significant discrepancies in my credit reports. I have reviewed my credit reports from XXXX XXXX XXXXXXXX, XXXX, XXXX, TransUnion, and I have identified numerous inaccuracies, including but not limited Theyre is incorrect account information, inaccurate balances, and accounts that do not belong to me. 
hard inquiries, collections, and closed accounts that dont belong to me or should not be public. 
I have taken the necessary steps to dispute these inaccuracies directly with the credit reporting agencies, but the discrepancies persist. I am concerned about the potential negative impact on my creditworthiness and financial well-being as a result of these inaccuracies. 
Hard Inquiries And closed accounts XXXX XXXX XX/XX/XXXX XXXXXXXX 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 XXXXXXXX I kindly request that the CFPB investigate these discrepancies and take appropriate action to rectify the errors in my credit reports. 

Additionally, I have attached copies of any supporting documents that validate my claims regarding the inaccuracies in my credit reports. I believe that a thorough investigation will reveal that these discrepancies are indeed erroneous. 

I appreciate your prompt attention to this matter and your assistance in resolving these issues. Please inform me of the steps the CFPB will take to investigate this matter and the expected timeline for resolution. 

Thank you for your help in rectifying these credit report discrepancies and ensuring the accuracy of my credit history. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Va XXXX Phone XXXX Email XXXX XXXX XXXX