davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

There is XXXX inquiries on my credit report where there was no service rendered or contracts made. 
I am asking that they be removed because they are hurting my XXXX XXXX for a service I never received. 
Under the federal trade Consumer Bill of Rights President John F. Kennedy introduced this concept in 1962 to promote four basic rights for consumers : The right to safety The right to be informed The right to choose The right to be heard Federal Trade Commission Act This act gives the Federal Trade Commission the power to : Prevent unfair or deceptive practices Seek relief for consumers who are harmed Establish rules to prevent unfair or deceptive
Consumer complaint received 2024-10-21
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. (LA)

Dear XXXX  XXXX Account number XXXX XX/XX/XXXX, {$470.00} XXXXXXXX XXXX XXXX XXXX Account number XXXX XX/XX/XXXX, {$2000.00} XXXX XXXX XXXX Account number XXXX XX/XX/XXXX, {$11000.00} I am writing to formally request the removal of inaccurate information reported by your company to the consumer reporting agencies. On XX/XX/XXXX, I requested verification of a debt and its accuracy. By the date of XX/XX/XXXX, your company verified it. I believe this information is incorrect and has negatively impacted my credit report, affecting my character, reputation, and livelihood. 

According to 15 U.S. Code 1681s-2, as a furnisher of information, you are legally obligated to ensure the accuracy of information provided to consumer reporting agencies. The reported charge-off, according to IRS guidelines , is considered income, not a debt, and should not appear on a consumer report. 

The IRS defines a charge-off as income, which is not to be reported on credit reports. Therefore, the current reporting is inaccurate. Furthermore, the IRS requires a 1099-C form for cancelled debts over {$600.00}, which I have not received.

By law, you can not furnish information you know or have reasonable cause to believe is inaccurate. I demand that you cease reporting this inaccurate information immediately and remove it from my credit report.

Please consider this letter as formal notice of the inaccuracies, and I request that you address and rectify this matter promptly. You have 10 calendar days to remove this entry from my credit report. 

Thank you for your immediate attention to this issue. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

OnXX/XX/2024, I pulled my FICO Credit Report from all three Bureaus ( XXXX, XXXX, and TransUnion ) and found out that my personal information ( Name & Address ) was being reported wrong and that my Credit Report had inaccurate and incomplete credit information. I then sent XXXX, XXXX, and TransUnion a Personal Information Update Letter on XX/XX/2024 
I received responses from Two of the three Credit reporting Agencies ( XXXX XXXX XXXX ) on XX/XX/2024, verifying their information XXXX replied via their website, XXXX via Mail, and Trans Union No Response, and my Credit report still had personal information ( Name & Address ) was being reported wrong and my Credit Report still had inaccurate and incomplete credit information. I then sent XXXX XXXX, and TransUnion another Personal Information Update Letter on XX/XX/2024, and My 1st Dispute Letter for the inaccurate and incomplete credit information being reported. As of XX/XX/2024, I have not received any response from all three Bureaus ( XXXX XXXX, and TransUnion ). So, I sent XXXX XXXX, and TransUnion another Personal Information Update Letter on XX/XX/2024, and My 2nd Dispute Letter for the inaccurate and incomplete credit information being reported. On XX/XX/2024, I logged into my XXXX XXXX account to monitor my Trans Union and XXXX profiles, and Trans Union has started reporting a debt owed to XXXX XXXX XXXX XXXX. in the amount of {$630.00} on theXX/XX/2024 without any validation of this debt.
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (CO)

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 2024-10-18
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC. (TX)

I am filing a formal complaint against Equifax Information Services LLC for multiple violations of the Fair Credit Reporting Act ( FCRA ), which have caused significant financial harm and emotional distress. Despite my efforts to resolve this issue directly with Equifax, they have failed to comply with FCRA mandates, specifically regarding their obligation to investigate and correct disputed information within the legally required timeframe. 

Details of the Dispute : On XX/XX/scrub>XXXX XXXX XXXX I submitted a formal dispute to Equifax, providing detailed documentation, including identity verification, and requested a comprehensive investigation into multiple inaccuracies on my credit report. The disputed items included incorrect late payments, charge-offs, and collection accounts, which are affecting my credit standing. I requested a thorough investigation in accordance with 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) and 1681e ( b ).

Specific Violations : Failure to Investigate Disputed Information in a Timely Manner ( 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ) Equifax has failed to complete its investigation within the 30-day statutory timeframe. As of today, no valid response or resolution has been provided.

Failure to Maintain Reasonable Procedures for Accuracy ( 15 U.S.C. 1681e ( b ) ) Equifax continues to report inaccurate and unverifiable information, including late payments and charge-offs, despite my dispute.

Failure to Provide Proper Verification of Disputed Accounts ( 15 U.S.C. 1681i ( a ) ( 6 ) ) I requested full documentation and verification for each disputed account directly from the original creditors. Equifax has failed to provide this information, relying on automated systems like e-OSCAR instead of fulfilling their obligation under the law. 

Impact of These Violations : XXXX failure to resolve this dispute has caused the following adverse effects : Denial of credit and increased interest rates on existing accounts. 
Emotional distress and frustration due to unresolved issues that are not only impacting my financial health but also my overall well-being. 
Disputed 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 
Requested Resolution : I am requesting that the Consumer Financial Protection Bureau take immediate action to compel Equifax to : Delete all inaccurate and unverifiable items from my credit report immediately, as they failed to provide a timely investigation under the FCRA. 
Provide full verification for all disputed items directly from the original creditors, not through third-party databases or automated systems. 
Compensate for statutory damages as provided under 15 U.S.C. 1681n, for willful non-compliance with the FCRA.
Consumer complaint received 2024-10-18
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. (FL)

Account Name : XXXX Account Number : XXXX I am disputing the monthly updates of a charge-off on my credit report, as it should be reflected as a single event, not a payment history. This falsely extends the statute of limitations and makes the account appear more recent. According to the Fair Credit Reporting Act ( FCRA ) and applicable laws, I request the immediate removal of this account, as it has not been properly investigated and the information is inaccurate.
Consumer complaint received 2024-10-21
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. (LA)

Dear XXXX  XXXX XXXX, Account number XXXX XX/XX/XXXX, {$10000.00} XXXX XXXX XXXX Account number XXXX XXXX, {$25000.00} XXXX XXXX XXXX XXXX Account number XXXX, XX/XX/XXXX, {$16000.00} XXXX XXXX XXXX XXXX Account number XXXX, XX/XX/XXXX, {$12000.00} I am writing to formally request the removal of inaccurate information reported by your company to the consumer reporting agencies. On XX/XX/XXXX, I requested verification of a debt and its accuracy. By the date of XX/XX/XXXX, your company verified it. I believe this information is incorrect and has negatively impacted my credit report, affecting my character, reputation, and livelihood. 

According to 15 U.S. Code 1681s-2, as a furnisher of information, you are legally obligated to ensure the accuracy of information provided to consumer reporting agencies. The reported charge-off, according to IRS guidelines , is considered income, not a debt, and should not appear on a consumer report. 

The IRS defines a charge-off as income, which is not to be reported on credit reports. Therefore, the current reporting is inaccurate. Furthermore, the IRS requires a 1099-C form for cancelled debts over {$600.00}, which I have not received. 

By law, you can not furnish information you know or have reasonable cause to believe is inaccurate. I demand that you cease reporting this inaccurate information immediately and remove it from my credit report. 

Please consider this letter as formal notice of the inaccuracies, and I request that you address and rectify this matter promptly. You have 10 calendar days to remove this entry from my credit report. 

Thank you for your immediate attention to this issue. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-10-21
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)

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXXXXXX Account Name : DEPTEDXXXX XXXX XXXXXXXX Account Name : DEPT OF EDUCATION/XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX  Account Name : XXXX XXXXXXXX XXXX  # XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX # XXXX Account Name XXXX XXXX XXXX XXXX XXXX XXXX UNAUTHRORIZED INQUIRIES XXXX XXXXXXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-10-18
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: EQUIFAX, INC. (NC)

I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.
Consumer complaint received 2024-10-21
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. (MD)

I'm writing to bestow my anxiety concerning the tested records on my credit report. On various occasions, I have raised the issue of errors in these records, and have reliably referred to that they be completely broke down. Regardless of what my endeavors, I eventually can't get any goal or supportive development. These misguided records are really harming my credit file and hindering my capacity to go on with an ordinary life. The disagreeable results of these slip-ups have caused huge difficulties for me, and I'm left with no decision beside to battle for your help with surveying what's going on quickly. I generously demand that you direct a wary evaluation concerning the vital of these tested records. It is fundamental that the chief pushes are taken to restore and amend my credit report immediately. With your assistance, I need to reestablish the accuracy and reliability of my credit record so I could recuperate command over my cash related achievement. I truly demand that you offer this matter your generally preposterous idea and make a quick move. Your help and moving in settling this issue rapidly would be exceptionally critical. Much appreciation to you right off the bat for your insight and help.
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

Discovering an error implying a late payment on my account is troubling, especially given my history of consistently meeting payment deadlines. This discrepancy is causing undue stress, and I urge you to promptly address it by ensuring my records accurately reflect my payment history.
Consumer complaint received 2024-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MI)

It is crucial that consumer reporting agencies uphold their grave responsibilities when it comes to the handling of consumers personal credit files. After performing a re-investigation upon my credit file for the following accounts : 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 pursuant to 15 USC 1681ia1a, your company failed to follow proper procedures in regard to correspondence to me the consumer, in the handling of the reinvestigation.

As clearly outlined within, 15 USC 1681i ( 7 ) ; 15 U.S. Code 1681i - Procedure in case of disputed accuracy Subchapter 7 states the following ; ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a detailed description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description.

Further outlined within 15 USC ( 6 ) ( B ) ( iii ) ; ( 6 ) Notice of results of reinvestigation ( A ) In general A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency.

( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available.

The correspondence mentioned above was NEVER made to me and therefore, your company is in direct violation of the FCRA and is now liable for monetary damages detailed within 15 USC 1681n and 15 USC 1681o.

Not only was a proper reinvestigation not performed as the derogatory account mentioned is erroneous to begin with, your agency failed to follow the FCRAs clear rules in the handling of correspondence to me in association with the account in question. Please delete this erroneous account as I have sought legal counsel in this matter and intend on seeking damages associated with this complaint if this issue is not resolved. Thank you for your time.
Consumer complaint received 2024-10-21
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. (MI)

It is crucial that consumer reporting agencies uphold their grave responsibilities when it comes to the handling of consumers personal credit files. After performing a re-investigation upon my credit file for the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX pursuant to 15 USC 1681ia1a, your company failed to follow proper procedures in regard to correspondence to me the consumer, in the handling of the reinvestigation.

As clearly outlined within, 15 USC 1681i ( 7 ) ; 15 U.S. Code 1681i - Procedure in case of disputed accuracy Subchapter 7 states the following ; ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a detailed description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description.

Further outlined within 15 USC ( 6 ) ( B ) ( iii ) ; ( 6 ) Notice of results of reinvestigation ( A ) In general A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency.

( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available.

The correspondence mentioned above was NEVER made to me and therefore, your company is in direct violation of the FCRA and is now liable for monetary damages detailed within 15 USC 1681n and 15 USC 1681o.

Not only was a proper reinvestigation not performed as the derogatory account mentioned is erroneous to begin with, your agency failed to follow the FCRAs clear rules in the handling of correspondence to me in association with the account in question. Please delete this erroneous account as I have sought legal counsel in this matter and intend on seeking damages associated with this complaint if this issue is not resolved. Thank you for your time.
Consumer complaint received 2024-10-18
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. (NJ)

To whom it may concern, Under 15 U.S Code 1618B Permissible purpose of consumer reports ( a ) IN GENEREAL Subject to subsection ( C ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relate. 

I, XXXX XXXX never gave Transunion any written consent to report anything on my consumer report, no consent is identity theft. A copy of the law is attached with this dispute letter. 

Concerning the account listed below as a consumer, I am demanding a deletion of these account listed below : XXXX. XXXX XXXX Account Number : XXXX
Consumer complaint received 2024-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX XX/XX/XXXX TransUnion LLC XXXX XXXX XXXX XXXX, PA XXXX XXXX : XXXX Formal Demand for Resolution of Inaccurate Reporting and Compensation for Violations Dear TransUnion, I am writing to express my serious dissatisfaction with your inadequate response to the complaint I filed with the Consumer Financial Protection Bureau ( CFPB ) . Your response, stating that you could not identify me, is both absurd and unacceptable. I provided clear, indisputable identification, including copies of my **passport**, **Social Security card**, and a **copy of my credit report**, outlining the numerous inaccuracies in your reporting. 

Your failure to address my dispute properly, despite having all necessary documentation, is a blatant violation of the Fair Credit Reporting Act ( FCRA ). As a result, I am demanding compensation of ** {$1000.00} for each violation** of my rights under the FCRA XXXX which you have committed by continuously reporting inaccurate information. Given the gravity of these errors and your failure to correct them in a timely manner, I am now demanding you pay me **double the original amount**, for a total of ** {$2000.00} per violation**. 

If this matter is not resolved promptly and to my satisfaction, I am fully prepared to take legal action to enforce my rights. I will not hesitate to file suit in federal court to seek full damages, as well as additional legal costs, if you continue to ignore my complaint. 

This letter serves as a final opportunity for you to correct your violations and compensate me appropriately. Failure to comply will leave me with no choice but to pursue legal remedies to the fullest extent of the law. 

I expect a response within **10 days** of receipt of this letter. 

Sincerely, XXXX XXXX XXXX Not asking you to verify or use XXXX XXXX or AI use a real person to review all the information and the report and the PDF I enclosed that show my ID
Consumer complaint received 2024-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I previously sent a letter asking for the documentation you used to verify these late payments, such as a transactional history, since what's reporting is not in line with any of my records and I know for certain that what's reporting is incorrect and inaccurate. Late payments affect my scores by a great deal, for sure you know that. How would you feel if the late payments reporting are not true but it keeps on weighing down your scores. SEE ATTACHED.