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: 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 am submitting this CFPB Complaint to request to the Crediet Bureaus to remove the disputed accounts being reported on my Credit File that do not have the rights to be reported on my Credit File. I previously asked the Credit Bureaus to remove the reported accounts from my Credit File since these accounts do not belong to me. The Educational Loan accounts belong to my daughter and I have nothing to do with these accounts. Please comply with the Fair Credit Reporting Act and have these accounts removed from my Credit Report as soon as possible. I need you to please take a good look at the following accounts : XXXX XXXXXXXX XXXX  XXXX XXXX Balance : {$13000.00} XXXX XXXXXXXX XXXX  XXXX XXXX Balance : {$19000.00} XXXX XXXX XXXX  XXXX Balance : {$39000.00}. In accordance with the Fair Credit Reporting Act, please have these accounts removed from my Credit Report.
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. The list of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX - Account # XXXX XXXX - Account # XXXX XXXX XXXXXXXX - Account # XXXX XXXX XXXX - Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXXXXXX - Account # XXXX XXXX - XXXX XXXX- Account # XXXX XXXX  - Account # XXXX XXXX XXXX  - Account # XXXX XXXX XXXX  - Account # XXXX Dept of ED/ XXXX XXXX  - Account # XXXX Dept of ED/ XXXX XXXX  - Account # XXXX Dept of ED/ XXXX Advantage - Account # XXXX Dept of ED/ XXXX XXXX  - Account # XXXX Dept of ED/ XXXX XXXX  - Account # XXXX XXXX XXXX - Account # XXXX XXXX XXXXXXXX XXXX XXXXXXXX - Account # XXXX XXXX XXXX XXXX - Account # XXXX XXXX XXXX XXXXXXXX - Account # XXXX XXXX XXXX - Account XXXX XXXX XXXX XXXX - Account # XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX- Account # XXXX XXXX XXXX XXXX - Account # XXXX XXXX XXXX- Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX - Account # XXXX XXXX  XXXX XXXX Account # XXXX XXXX  XXXX - Account # XXXX XXXX  XXXX- Account # XXXX XXXX  XXXX XXXX Account # XXXX XXXX  XXXX - Account # XXXX HAS ALL 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.

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 that 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 any consumer reporting agency if the person knows or has reasonable causes to believe that the information is inaccurate.
Consumer complaint received 2022-10-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have uploaded to XXXX/upload multiple times my updated social security card, active drivers license, and FTC REPORT for identity theft. I have written a letter telling XXXX to get rid of every alias of XXXX but to only keep XXXX XXXX XXXX because that is my legal name. My social and my license both show it as such. My license shows my address, which is on my consumer report - ( ONE of at least 25 addresses ) which i instructed XXXX to keep only the ADDRESS THAT IS ON MY LEGAL DOCUMENT and delete the rest. Well, when i go to dispute the fraudulent addresses, i cant dispute it because a furnisher is reporting on that address so it must stay. I let XXXX know that those addresses, those accounts are fraudulent. Theyre part of the identity theft because my abode is the address on the license. I need my personal information updated fairly and without blemish so i can have those fraudulent accounts off my consumer report.
Consumer complaint received 2021-01-08
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Don't want a card provided by your employer or the government
Company: U.S. BANCORP (CO)

Unrequested VISA debit card sent by US Bank Relia Card. Call load very heavy on US Bank to get card canceled. This is a case of fraud as I am not unemployed.
Consumer complaint received 2022-12-12
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. (NY)

I'm sending this Complaint to inform you that I was the victim of identity theft. Per Fair Credit Reporting Act Section XXXX05B ( a ) Credit Bureaus are required to remove any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. The items listed below were not mine : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NY XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XXXX XXXX NY XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$180.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$270.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$510.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-14
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. (OH)

XXXX XXXXXXXX These are fraudulent and unauthorized accounts and inquiries listed on my credit report.I have no knowledge of this suspicious activity on my credit report. I believe this has been fraudulent activity made on my SSN. I believe I am a victim of XXXX XXXX  identity theft.
Consumer complaint received 2024-02-27
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. (OH)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.
Consumer complaint received 2022-10-30
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (GA)

I wrote Experian to dispute XXXX XXXX OVER A MONTH AGO. I did not hear from them about the reporting accuracy of this alleged debt. They are in violation of 15 USC 1681c ( a ) ( 6 ) ( A ) no consumer reporting agency may make any consumer report containing any name, address, and telephone number of any medical information furnisher that has notified the agency of its status, unless such name, address, and telephone number are restricted or reported using codes that do not identify, or provide information sufficient to infer, the specific provider or the nature of such services, products, or devices to a person other than the consumer. They are also in violation of 15 USC 1681i ( 1 ) ( a ) Consumer reporting agency to conduct a reasonable reinvestigation, 15 USC 1681i ( a ) ( 1 ) ( A ) Consumer agency shall conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate.15 USC 1681i ( a ) ( 2 ) ( B ) Consumer reporting agency shall provide to the person who provided information in the dispute all relevant information regarding the dispute that agency received from reseller and 15 USC 1681e ( b ) Accuracy of credit report. need for Experian to Compensate me for every violation they have committed by violating my consumer rights. I have enclosed my invoice Please Make check payable to XXXX XXXX!
Consumer complaint received 2023-03-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am very upset with XXXX XXXXXXXX XXXX XXXX, referencing my Home Equity Line of Credit with them. They reported a 30-day late payment for the month of XXXX, which was done in error. I was not late during the month of XXXX or XXXX. Also, in the times that I was late, XXXX XXXX XXXX XXXX had locked my online account back in XXXX, due to a fraud claim was done by my business consultant in error, which was rectified. But my account was never late prior to then. Therefore there is a 30-day late payment currently reporting on my TransUnion credit file, which should not be there. I have uploaded proof of payments that I have made and the current status of my account as of now. Please remove 30-day late payment from my credit file immediately. Also, change current status from 30-60 days late status to current.
Consumer complaint received 2023-03-07
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. (MD)

Consider this as a follow-up complaint to this specific account : XXXX XXXX XXXX : {$1300.00} This account must be validated in my file I think it is erroneously reported. I am asking for your help to investigate the inaccurate account listed in my credit file.
Consumer complaint received 2021-10-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (KS)

Big Illegal or unknown or illegal charges ( above {$50.00} up to {$500.00} ) were made on my Walmart Credit card, XXXX and other credit cards ... ... .mostly by by foreign entities. 


Walmart Credit card and XXXX are not removing these charges even after multiple requests ... ... .and are piling heavy LATE FEES & INTEREST FEES etc ... ... .inflating the amount to be paid by several 1000 dollars. Then Walmart Credit card and XXXX are passing on these INFLATED ACCOUNTS to COLLECTION AGENCIES like XXXX XXXX XXXX XXXX ... ... .who are forcing us to pay these inflated amounts ... ... .and taking good customers or consumers like me to court. 

CPFB please order Walmart Credit card and XXXX to tell their COLLECTION AGENCY ... ... XXXX XXXX XXXX XXXX XXXX... to STOP harassing me ( by asking me to pay these INFLATED ILLEGAL amounts ... ... ..amounts INFLATED with ILLEGAL, UNKWON CHARGES, LATE FEES, INTERES FEES ETC. ETC. ) ... .and close my Walmart Credit card and XXXX XXXX ... ... FOREVER ... ... like XXXX, XXXX XXXX  etc. did for me!
Consumer complaint received 2022-10-31
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. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX I, XXXX XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX
Consumer complaint received 2022-10-31
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. (PA)

Please be advised that Notice to Principal is Notice to Agent and Notice to Agent is Notice to Principal. 
After reviewing my consumer report it has come to my attention that you are reporting adverse inaccurate information on my consumer report. Please be advised that you are hereby on Notice pursuant to 15 U.S. Code 1681s2 and U.S. Code 1681.

You are reporting information on my consumer report which is inaccurate. You are reportinng information as charge off debt, however according to IRS Publication 4681 charged off or cancelled debt is considered taxable income and pursuant to 15 U.S. Code 1681 income is not included in a consumer report. 

You are reporting the following inaccurate information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 IRS Publication 4681 and IRS Instruction for Forms 1099-C even if you didn't receive a Form 1099-C, you must report canceled debt as gross income on your tax return. Further, pursuant to 15 U.S. Code 1681 the term consumer report does not include the reporting of income.

You have failed to comply with your responsibilities under 15 U.S. Code 1681s2 and are in direct violation of 15 U.S. Code 6802 by disclosing my personal information on my consumer report without my permission or permissible purpose.
Consumer complaint received 2022-12-12
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: EQUIFAX, INC. (GA)

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Consumer complaint received 2023-05-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE (MA)

My personal identifiable information was leaked and compromised in late XX/XX/2023. On XX/XX/2023, I received an email for an order placed with XXXX for my Old Navy Barclays credit card. 

I immediately noted that there were unauthorized transactions on my Old Navy Barclay account including one for {$1300.00} ( there was another transaction on the same day, XX/XX/XXXX that was to same vendor and over {$1000.00} that they blocked but they let the XXXX go through ). I disputed the charge with Barclay and sent them information and my dispute has been denied 3 times. The rationale is that the merchant has matching information to my identify. I have let them know that it will match because my information was stolen, and they would not have been able to purchase on my card if they did not have matching information. 

I have a receipt that includes the email where the XXXX tickets went to ( not mine ) and filed a police report. I don't think Barclay is being fair and currently that charge is still on my account. This may be potential UDAAP and Reg Z issues. 

Can the CFPB please assist me in resolving this matter? 

Thank you
Consumer complaint received 2022-10-31
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. (PA)

Please be advised that Notice to Principal is Notice to Agent and Notice to Agent is Notice to Principal. 
After reviewing my consumer report it has come to my attention that you are reporting adverse inaccurate information on my consumer report. Please be advised that you are hereby on Notice pursuant to 15 U.S. Code 1681s2 and U.S. Code 1681.

You are reporting information on my consumer report which is inaccurate. You are reportinng information as charge off debt, however, according to IRS Publication 4681 charged off or canceled debt is considered taxable income, and pursuant to 15 U.S. Code 1681 income is not included in a consumer report. 

You are reporting the following inaccurate information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 IRS Publication 4681 and IRS Instruction for Forms 1099-C even if you didn't receive a Form 1099-C, you must report canceled debt as gross income on your tax return. Further, pursuant to 15 U.S. Code 1681 the term consumer report does not include the reporting of income.

You have failed to comply with your responsibilities under 15 U.S. Code 1681s2 and are in direct violation of 15 U.S. Code 6802 by disclosing my personal information on my consumer report without my permission or permissible purpose.
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. (NY)

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : # XXXXXXXX XXXX XXXX XXXX XXXXXXXX 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 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 2023-03-07
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. (VA)

n 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 U.S.C. 1681.

Account Name : Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions.

15 U.S.C. 1681c. ( a. ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-06-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Conn's, Inc. (TN)

I received a settlement letter from Conn 's furniture store, and paid the amount that was stated in the settlement letter, and paid the amount in the time the company asked. the account was closed and paid off. now the account is back open and the settlement is not honored.
Consumer complaint received 2022-10-31
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: Experian Information Solutions Inc. (TN)

On XX/XX/XXXX I contacted Experian about the following negative accounts XXXX XXXX XXXX ( Account Number XXXX, Open Date XX/XX/XXXX, Highest Balance : {$46000.00} ), XXXX XXXX XXXX  ( Account Number XXXX, Open Date XX/XX/XXXX, Highest Balance : {$1000.00} ), XXXX ( Date Opened : XX/XX/XXXX, Balance : {$16000.00} ), XXXX XXXX ( Account Number XXXX, Open Date XX/XX/XXXX, Balance : {$16000.00} ), XXXX XXXX XXXX ( Account Number XXXX, Open Date XX/XX/XXXX, Balance : {$31000.00} ). Its been over 45 days and Experian havent respond to my request as they are required to by the Federal Credit Reporting Act.
Consumer complaint received 2023-03-07
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. (SC)

My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.