davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have reached out to all 3 Credit Bureaus several times asking them to look into and verify the inaccurate information on my credit report. Each time I have been told that everything is accurate and verified. I did a thorough research myself and found improper inaccuracies on the credit report after they stated they did their research. 

In accordance with the Fair Credit Reporting Act XXXX XXXX Acct # XXXX has violated my rights. 

In accordance with the Fair Credit Reporting Act XXXX Acct # XXXX has violated my rights. 

In accordance with the Fair Credit Reporting Act XXXX XXXX Acct # XXXX has violated my rights. 

In accordance with the Fair Credit Reporting Act XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) Acct # XXXX has violated my rights. 

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) Acct # XXXX has violated my rights. 

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX. ) Acct # XXXX has violated my rights. 

In accordance with the Fair Credit Reporting Act XXXXXXXX XXXX XXXX  Acct # XXXX has violated my rights. 

In accordance with the Fair Credit Reporting Act XXXX XXXX Acct # XXXX has violated my rights. 

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

15 U.S.C 1681 section 604 A., Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2023-05-19
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: Experian Information Solutions Inc. (TX)

XXXX Hard inquiries On my credit file that I did not authorize. 
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 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
Consumer complaint received 2023-02-15
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. (TN)

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 XXXX XXXX Account XXXX XXXX XXXX XXXX Account name : CXXXX XXXX XXXX XXXX  Account name : XXXX XXXX XXXXXXXX XXXX Account name XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account name XXXX XXXX Account name XXXX Account XXXX XXXX XXXX XXXX Account name XXXX XXXX Account XXXX XXXXXXXX XXXX  Account name XXXX Account name CXXXX XXXX XXXX, XXXX Account name XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX, XXXX XXXX Account name XXXX XXXX XXXX Account name XXXX XXXX XXXX Account name XXXX - XXXX XXXX Account XXXX XXXX XXXX Account name XXXX XXXX XXXX has violated XXXX XXXX XXXX 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-02-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

I strongly urge you to promptly address this error, clearing me of any responsibility. It is vital that you conduct a thorough investigation into this matter and swiftly rectify the mistake. Your immediate attention to this matter is highly appreciated.
Consumer complaint received 2023-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NC)

I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.
Consumer complaint received 2023-02-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

Company XXXX XXXX XXXX XX/XX/2023 account number XXXX balance {$930.00} Company XXXX  XXXX XX/XX/2023 account XXXX balance {$280.00} Company XXXX XXXX XX/XX/2023 account XXXX balance {$380.00} Company XXXX XXXX  XXXX XX/XX/2023 account XXXX balance {$260.00} Company XXXX  XXXX XXXX  XXXX  XX/XX/2023 account XXXX balance {$280.00} Company XXXX XXXX XXXX XXXX XX/XX/2023 account XXXX balance {$14000.00} 15U.S.C 1681 section 602 A. states I have the right to privacy.

15U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account whiteout my written instructions. 15U.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 record 's of convictions of crime 's which antedates the report by More than seven years. 15U.S.C 1681 S-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 accurate.
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I filled out a FTC identity theft report on XX/XX/XXXX to report potential identity theft affecting my credit profile. Upon reviewing my recent credit report, I discovered unauthorized accounts and hard inquiries that strongly indicate fraudulent activity and has not been remove yet. I did not initiate or authorize these entries, confirming my status as a victim of identity theft, the unauthorized account and inquiries are attached in the Identity theft report I have uploaded. 
Both FTC from XX/XX/XXXX and also XXXX of XXXX.
Consumer complaint received 2023-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (DE)

Sometime in 2021 I was preparing to purchase a home and went to check my credit report and noticed an account that I did not recognize ( XXXX XXXX XXXX ). I pushed the dispute button so that it can be resolved. During that time I called the XXXX XXXX XXXX numerous times and there is never an answer, i sent certified mail and have not gotten a response to the letter. Well busy life got the best of me and I forgot about the account because I was not financially ready to purchase a home. Last week I checked my report again and i noticed that the same account from XXXX XXXX XXXX was still there with just a notation that I disputed it. I contacted the credit bureaus to try to resolve and the put a fraud alert on my report and suggested I contact this agency to file a report as well.
Consumer complaint received 2023-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AR)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that I was a victim of an Identity Theft. The fact is, I am disputing again the fraudulent items on my credit file. For some reason, I realized that the three credit bureaus failed to fixed it and I do not believe that these items belongs to me. These items should be deleted as a confirm of derogatory nor negative in my credit file. It seems impossible to consider as mine the fact they doesn't belongs to me. Kindly help me delete these following items : 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 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 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 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 2023-02-15
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. (MI)

Dear Consumer Financial Protection Bureau, I am writing to bring to your attention a serious issue I have been facing with the credit bureaus. I have written multiple letters to the credit bureaus stating that I have been a victim of identity theft and that there are fraudulent accounts on my credit report. However, despite my repeated attempts, the credit bureaus have taken no action to investigate the matter or to delete the fraudulent accounts from my credit report. 

I believe that this inaction by the credit bureaus is a clear violation of the Fair Credit Reporting Act ( FCRA ) laws. The FCRA requires that credit bureaus investigate any disputes raised by consumers regarding information on their credit reports, and that they must take steps to correct any errors or remove any inaccurate or fraudulent information from the report. 

Given that the credit bureaus have failed to comply with the FCRA laws and have not taken any action to remove the fraudulent accounts from my credit report, I am now turning to the Consumer Financial Protection Bureau for help. I urge the CFPB to take immediate action to ensure that the credit bureaus comply with the FCRA laws and delete the fraudulent accounts from my credit report.
Consumer complaint received 2023-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS (TX)

I am the victim of identity theft. I recently learned that XXXX XXXX is reporting a bankruptcy filed in 2016 that I did not file. I have an FTC Identity Theft Report and a Court Order confirming I am the victim of identity theft. I did not file this bankruptcy and the bankruptcy is over 7 years old from the filing date. It is not mine. I have submitted my current identifying documents to prove my current identity.
Consumer complaint received 2023-03-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, had 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.
Consumer complaint received 2020-11-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIBANK, N.A. (OH)

This is in regard to an original complaint which was filed earlier. Please see complaint no XXXX. 

City Thank You card was still not reporting my credit usage to the three major credit bureau despite their assertion that they will correct their error, and report my credit usage. 

This has become a burden to a consumer like me, dealing with this Bank that deliberately and negligently uses their power to limit a persons ability to do anything such as purchasing a home. They caused me a lot of harm despite my being a credit worthiness by paying and obtaining a credit use even as an authorized user. I provided all my info such as SSN upon request, but they still did not do anything! 

I request CFPB to provide a clear action instead of just closing the complaint, based on the company input. I also request CFPB to provide me counsel to litigate this matter henceforth.
Consumer complaint received 2023-06-11
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. (GA)

Please refer to attached documents for detailed information! 

This account remains inaccurate and not properly reported on my consumer report as they are in VIOLATION of my RIGHTS!!!!! 

15 U.S. Code 1681a - Definitions ; rules of construction 15 USC 1666B 15 U.S Code 1681b 15 U.S Code 1681b 1681b-A ( 2 ) the reasons for the determination under subparagraph A and ( ii ) CONSIDERATION OF CONSUMER INFORMATION ( 4 )
Consumer complaint received 2020-11-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I have 19 inquires on my credit scores. According to your website, any number of inquires done within a 45 day period count as one inquiry. All three companies, Transunion, XXXX, and XXXX  are counting each Inquiry separately. By my count, the most I should have would be four ( 4 ). Everything else on my scores is listed as Excellent, these inquires are listed as Poor. 

Please help.
Consumer complaint received 2020-11-11
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (NJ)

XX/XX/XXXX I sent in a dispute to XXXX XXXX XXXX  and didn't receive a response in over 35 days. On XX/XX/XXXX I sent a second dispute letter to XXXX XXXX XXXX  and all 3 credit bureaus regarding a foreclosure that was opened in XXXX. My account has 9 inaccuracies. It is well over 30 days again and the account still has 9 accuracies and nothing has been updated or removed.
Consumer complaint received 2023-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items 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 2023-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CO)

I am writing to express my concern about a violation of my rights under the Fair Credit Reporting Act. Specifically, XXXX XXXX XXXX  has violated my privacy rights under 15 USC 1681 section 602. As a consumer, I have the right to privacy and to control the information that is shared about me. According to 15 USC 1681 section 604 A section 2, a consumer reporting agency can not furnish my account with my written instructions. This means that I have the right to decide who has access to my credit information and how it is used. 
Furthermore, 15 USC 1681a definitions ; rules of constructions - exclusion - except as provided in paragraph, 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. This means that any report that contains information about me must be accurate and based on actual transactions or experiences. 
Finally, 15 USC 1666B states that a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purposes. This means that I have the right to make payments on time and not be penalized for doing so. 
I am aware of the " Opt Out '' requirement detailed in subsection ( b ) of 15 U.S. Code 6802, and I understand the definition of " nonpublic personal information '' as provided in subsection ( e ) ( 4 ). I expect that my rights under the Fair Credit Reporting Act will be respected and that my privacy will be protected.
Consumer complaint received 2024-03-20
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. (WI)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2020-11-11
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

Transunion, XXXX  and XXXX  is reporting this repossession inaccurate on my credit report. First Transunion and XXXX  is reporting a monthly payment of XXXX. It is a violation to report a monthly payment on a repossession as the car is no longer in my possession. Transunion and XXXX  is reporting a month term. This car is a repossession it should not report a term length. 

TU is reporting the date of last activity as XX/XX/2019. XXXX  is reporting XX/XX/2019. XXXX  is reporting XX/XX/2019 Under FCRA section 605 ( C ) Running of the reporting period, Creditors, Collection agencies and Bureaus, if they try and RE-AGE your account, byupdating the date of last activity on your credit report in hopes of keepingnegative information on your account longer, they can be fined {$1000.00} for EACH account. On a collection account the date of last activity should reflect the last date a payment was made to that company, it is also a violation to reporting inaccurate information.
Consumer complaint received 2020-11-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (CA)

ALL ( 3 ) " CRA '' REPORTING INCORRECT OUTDATED SINCE 2013 AND " PACER '' DATA OF ACCOUNT NOT MINES ... .. CHXXXX BANKRUPTCY ID # XXXX AND DUPLICATED OF VARIOUS OTHER ACCOUNTS REPORTED UNDER THE SAME AS BANKRUPTCY ... ID FRAUD ACCOUNTS " : BANKRUPTCY CHXXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX , XXXX XXXX , XXXX XXXX, XXXX/ XXXX, XXXX XXXX XXXX, XXXX XXXX '' .. REMOVE ALL FRAUD ACCOUNTS FROM CREDIT FILE ASAP.
Consumer complaint received 2020-11-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

( 1 ) I have already complained 10 times that Select Portfolio Servicing ( SPS ) does not deliver any Mortgage Payment Statement Mortgage Payment Statement on time. XX/XX/2020 Mortgage Payment Statement arrived from Select Portfolio Servicing ( SPS ) on XX/XX/2020. Select Portfolio Servicing ( SPS ) does this on purpose to collect illegally {$15.00} for paying on their website or via phone. THIS IS AN ILLEGAL AND FRAUDULENT ACTOR. How am I supposed to pay my mortgage on time via my banks own bill payment, if the? On XX/XX/2020 I had to pay XX/XX/2020 mortgage payment via Select Portfolio Servicing ( SPS ) s website ( see attached ), as my bank could not process my Mortgage Payment via my banks Bill Pay before XX/XX/2020. 

( 2 ) Besides, constant Mortgage Payment Statement 's delayed delivery issue ; there is no ESCROW ACCOUNTING AS OF XX/XX/2020 UNDER RESPA. 

cc. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX