davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-21
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. (MI)

Dear TransUnion, I am writing this CFPB complaint to formally request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you block certain information on my consumer TransUnion credit report that has resulted from identity theft and fraud. This fraudulent activity includes an account labeled " OAG CHILD SUPPORT ENFORCEMENT. '' This account has led to unauthorized fraudulent accounts on my credit report. I have attached a list of these fraudulent accounts, along with a copy of my consumer FICO TransUnion credit report, which clearly shows the fraudulent items in question. 

I do not recognize this account, and I can confirm that they were neither opened nor initiated by me. All the accounts listed are a direct result of identity theft. 

Additionally, I have attached a copy of my FTC Identity Theft Complaint ( # XXXX ) as further proof of the fraudulent nature of these accounts. 

I request that you take action to block this information within four business days of receiving this complaint. 

Thank you for your prompt attention to this matter.
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NJ)

On XX/XX/year>, I mailed a formal dispute letter to Equifax via XXXX certified mail ( tracking # XXXX XXXX XXXX XXXX XXXX XXXX ). In this letter, I requested an investigation into the following inaccurate items on my credit report : Negative accounts reporting inaccurately, including a bankruptcy with discrepancies. 
Incorrect addresses. 
I ensured that my dispute letter included all necessary documentation to verify my identity, such as : A copy of my government-issued ID, A copy of my Social Security card , and A recent proof of address. 
Despite following proper procedures, I have not received any response from Equifax regarding my dispute. XXXX failure to respond to my request violates my rights under the Fair Credit Reporting Act ( FCRA ). The FCRA requires credit bureaus to investigate and respond to disputes within a reasonable timeframe. By disregarding my dispute and request for an investigation, Equifax has violated these legal obligations. 
This failure has caused ongoing harm by allowing inaccurate and negative information to remain on my credit report, including the bankruptcy with discrepancies.
Consumer complaint received 2024-10-09
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (MA)

On XX/XX/year>, I opened a Citibank account in connection with my mortgage application. 
I made several deposits into this account, totaling over {$50000.00}. 
Starting from around XX/XX/year>, I experienced issues logging into my account. Upon contacting Citibanks customer service, I was informed that my account was in restricted mode, but they refused to provide any further details. They advised me to wait for a letter in the mail. 
After waiting for 7 days, I received the letter and contacted Citibank again, using the provided reference number. I was then informed that my account had been flagged for fraud. 
I explicitly informed Citibank that I had authorized all transfers and deposits. However, I was told that the fraud department would review the case. 
On XX/XX/year>, I was notified that my account was closed with no explanation. Citibank stated that the decision was made by their fraud department and was irreversible. 
I was informed that it could take 30-60 days for the closure to finalize, during which my funds are essentially frozen. 
Compounding this issue, I recently moved to a new address and no longer have access to the mailing address on file with Citibank. Since the account is closed, I am unable to update my address information, and its possible I wont receive the funds via check, or it could be significantly delayed. 
This situation has caused substantial financial harm and stress, as I am unable to access my funds. I believe Citibanks actions lack transparency, and their failure to provide timely or clear communication has exacerbated the problem.
Consumer complaint received 2024-10-23
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. (WA)

Upon checking my credit report, I have discovered a fraudulent account on my credit report, this fraudulent account is XXXX XXXX XXXX opened on XX/XX/XXXX with account number XXXX, and fraudulent hard inquiries these fraudulent hard inquiries are XXXX XXXX XX/XX/XXXX | XXXX XXXX XX/XX/XXXX, please remove them from my credit report, as they are fraudulent.
Consumer complaint received 2024-10-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the XXXX, XXXX, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.
Consumer complaint received 2024-10-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This morning, I discovered unauthorized inquiries on my credit report, and I dont know where they came from. I always check my credit report, but this time, something was seriously wrong. Even after refreshing the browser, hoping it was a glitch, the problem persisted. I need you to carefully check the documents Ive sent so that I can stop stressing about this situation.
Consumer complaint received 2024-10-10
Product: Credit reporting 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 was notified by XXXX XXXX that personal information had been compromised. I then contacted all three Credit bureaus of the situation. There are a string of delinquent credit cards on my history. I wrote letters asking each of them to review and remove said reports. They have not. These fraudulent charges are creating impossible hurdles for me to overcome. I am terminally ill. I dont know how much longer I have to live. I need this situation attended to. XXXX, XXXX and EXPERIAN. I need these accounts removed immediately. 
Sincerely XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (VA)

RE : Trafficking Block Request To Whom It May Concern, I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
XXXX - XXXX - XX/XX/year> - {$00.00} Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Consumer complaint received 2024-10-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX XXXX XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of Summary of Accounts being challenged in list form XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX The information you provided is inaccurate and does not meet the minimum standards for accuracy. I demand that this be fixed immediately. Inaccurate information has no place in your database or on my credit report so please delete it now. The only name you should have on file for me is XXXX XXXX CURRENT ADDRESS : XXXX, XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX The only reside at XXXX XXXX XXXX XXXX  XXXX, FL XXXX Please remove any address you have in your system that does not match XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-23
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. (IL)

I have previously contacted the credit reporting agency regarding this account and requested that they provide documentation verifying my agreement or any information that links me to the debt. Despite my efforts, they have been unable to furnish the necessary documentation. 

This bad accounts are causing unexpected complications for me, particularly in my ability to apply for new credit. Initially, I believed there XXXX have been some confusion with my mortgage company, but I have now learned that the issue relates to a credit reporting agency that I had not previously heard of. 

They are not even abiding by what I learn is the Fair Credit Reporting Act, which ask this agency to remove items from a consumer 's report if they are unable to verify the accuracy of the information. Given the lack of verification provided, I respectfully request your assistance in ensuring that these accounts are removed from my credit report. 

This matter is urgent, as the presence of this unverified account is creating financial challenges that I did not anticipate. I would greatly appreciate any help or guidance the CFPB can provide to resolve this issue.
Consumer complaint received 2024-10-23
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. (FL)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2024-10-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 
XXXX XXXX XXXX XXXX XXXX  The following inquiry was not authorized and should not be reporting. 
XXXX XXXX  XX/XX/XXXX The following inquiry was not authorized and should not be reporting.
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (IL)

I'm concerned about the unfamiliar inquiries on my credit report that I didn't applied to. I didn't authorize or consent to this company accessing my information, I'm trying to understand how and why this happened and it's causing me a lot of stress and XXXX
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (UT)

I am trying to get a HELOC through my credit union. They are unable to get a credit report from Experian. I went to Experian 's site and could not find a freeze or any issues that would bar them from this access. Experian told me my information was incorrect, but they could correct it ( a typo on my name ), send my information to my credit union, and that they would also provide contact information to my credit union. 

Instead, that information was never sent to my credit union, my account had a dispute placed on it to fix the typo, and when my credit union tried to pull my credit report again now they were unable due to that dispute. 

According to Experian customer service, who never told me about that dispute in the first place, the dispute doesn't exist and that they couldn't help me resolve this with my credit union. 

Through this whole process I have talked to several customer support agents, have been transferred to several departments, and their phone system is deliberately obtuse and misdirecting, it will hang up XX/XX/year> before allowing me to speak with a XXXX. 

I can not repair my roof because Experian is stopping all progress.
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : Collection : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Personal Information : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX PREVIOUS XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX PREVIOUS ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ALSO KNOWN AS : XXXX XXXX XXXX EMPLOYER : XXXX XXXX. 
EMPLOYER : XXXX NAME : XXXX XXXX XXXX Inquiries : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

MAILED ATTACHED LETTERS OUT ON XX/XX/year> PERIODIC BILING STATEMENT REQUIRED UNDER XXXX - Please investigate and verify that this is mine? Please verify that this is reporting accurately. I kindly request that you review and update my information as soon as possible, as it currently appears to be inaccurate and does not meet the minimum standards for accuracy. It would be greatly appreciated if you could rectify this issue promptly, as having incorrect data in your records or on my credit report is not acceptable. It is essential to ensure that your records adhere to industry standards for accuracy. I must express my astonishment at the deviations from mandatory regulations and compliance guidelines pertaining to this account. It is evident that an error has occurred, and I kindly request the immediate removal of all account to rectify the situation and prevent further repercussions. I would like to bring to your attention that upon careful examination of the information pertaining to 7 Year History : XXXX : XXXX XXXX : XXXX XXXX : XXXX, I feel compelled to express my concerns regarding the accuracy and compliance reports associated with this account. It is my belief that there may exist certain discrepancies in the reporting process, potentially leading to erroneous assumptions that could have far-reaching consequences for future loans or decision-making processes. 
Therefore, I kindly request substantiation demonstrating the adherence to appropriate procedures, as it is of utmost importance to ensure that our records reflect precise and reliable information concerning my personal details.
Consumer complaint received 2024-10-23
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. (TX)

I am writing to formally dispute the inclusion of the following accounts on my credit report, which I believe are not mine : XXXX XXXX XXXX XXXXXXXX OFFICE OF THE ATTY XXXX : XXXX XXXX XXXX XXXX XXXXXXXX OAG XXXX  XXXX : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXXXXXX In accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, Section 602 ( a ), I am entitled to privacy regarding my credit information. These accounts have been reported to credit bureaus without my consent or authorization. Specifically : Right to Privacy : 15 U.S.C. 1681, Section 602 ( a ) states that I have the right to privacy concerning my credit and personal information. The presence of these accounts on my credit report is a clear violation of my rights under this section, as they are not mine and should not have been included. Furnishing of Information Without Consent : Under 15 U.S.C. 1681b, Section 604 ( a ) ( 2 ), a consumer reporting agency is prohibited from furnishing an account or credit information without my explicit written instructions. I did not provide any such written consent or instructions for the reporting of the above-listed accounts. I request that the Consumer Financial Protection Bureau investigate this matter and assist in ensuring that these erroneous accounts are removed from my credit report. I have attached copies of my credit report and any relevant documentation to support this dispute. Thank you for your prompt attention to this matter. Should you require any further information or documentation, please feel free to contact me.
Consumer complaint received 2024-10-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

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 2024-10-23
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. (FL)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-10-23
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. (MO)

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 XXXX party. They in fact did not come from a XXXX 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 2024-10-10
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: Experian Information Solutions Inc. (GA)

I'm writing to communicate my anxiety in regards to the contested records on my credit report. On various occasions, I have raised the issue of errors in these records, and have reliably mentioned that they be completely examined. Regardless of my endeavors, I presently can't seem to get any goal or restorative activity. These wrong records are seriously harming my credit document and preventing my capacity to carry on with an ordinary life. The adverse consequences of these errors have caused enormous difficulties for me, and I'm left with no decision except for to argue for your help with redressing what is going on quickly. I generously demand that you direct a careful examination concerning the revealing of every one of these contested records. It is basic that the fundamental advances are taken to refresh and amend my credit report immediately. With your assistance, I desire to reestablish the exactness and trustworthiness of my credit record so I might recapture command over my monetary prosperity. I truly ask you to offer this matter your most extreme consideration and make a quick move. Your participation and backing in settling this issue immediately would be extremely valuable. Much thanks to you ahead of time for your comprehension and help.