davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-11-22
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. (NV)

Re : Reinsertion Of previously deleted Inaccurate/invalidated items Im writing your agency because you are in violation of 15 U.S Code 1681i ( 5 ) ( B ) ( ii ) ( iii ). These items were deleted, and you reinserted them without notifying me 5 business days after and certifying that the items was validated properly. I demand you to delete these items from my credit file or i will seek litigation.

( 5 ) Treatment of inaccurate or unverifiable information ( B ) Requirements relating to reinsertion of previously deleted material ( i ) Certification of accuracy of information If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in
the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.

( iii ) Additional information As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing not later than 5 business days after the date of the reinsertion ( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted t
he consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumers file disputing the accuracy or completeness of the disputed information.

under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days and you must delete the item from my file immediately. 

Account : XXXX XXXX XXXX, XXXX XXXX XXXX Thank you for your time and help in this matter.
Consumer complaint received 2024-11-22
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. (FL)

I am requesting your help to investigate such accounts from these companies that are reporting me inaccurately about the late payments. I have reviewed and checked my credit report and saw that these certain accounts have late payments which is not correct. THERE SHOULD NO LATE PAYMENT REMARKS ON THESE ACCOUNTS.
Consumer complaint received 2024-08-15
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (TX)

I recognize the importance of removing any incorrect information from my credit report as specified by FCRA 605B. Could you please review the attached documents? I've noticed discrepancies in several accounts, which is quite concerning.
Consumer complaint received 2024-11-22
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. (AR)

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 2024-11-22
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. (DE)

Kindly block and remove the unauthorized accounts from my credit report as soon as possible. I did not authorize or open these accounts and have no knowledge of their origins. Per USC 1681g, I formally request their removal within 15 days. Attached are the relevant documents for your review.
Consumer complaint received 2024-11-22
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)

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX as evidence supporting my identity theft claim. As per XXXX U.S.C. XXXX, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within XXXX business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXX XXXX
Consumer complaint received 2024-11-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I am writing to dispute inaccurate and misleading information on my TransUnion credit report as provided under the Fair Credit Reporting Act ( FCRA ), specifically Sections 611 and 623, which require consumer reporting agencies to ensure the accuracy and verifiability of the information they provide. 

The specific item I am disputing is : [ Account Name/Number or Public Record Information ] : [ Describe the error, e.g., This bankruptcy filing is inaccurately reported or unverifiable. ] Upon investigation, I have confirmed that XXXX XXXX XXXX XXXX, a consumer data aggregator, does not report bankruptcy filings directly to any credit bureaus. This fact is widely established and demonstrates that any public record information purportedly originating from XXXX must be independently verified by TransUnion for compliance with FCRA requirements. 

Your reliance on XXXX or any similar data aggregator as the sole source of bankruptcy information is insufficient under FCRA Section 607 ( b ), which mandates that credit reporting agencies maintain " maximum possible accuracy '' in the data they report. It is your legal responsibility to verify the accuracy of this information directly with the original public record source ( e.g., the court where the bankruptcy was filed ) before including it in my credit file.
Consumer complaint received 2024-11-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

On my credit report there are several errors, which I reported online and by certified mail to all XXXX agencies as well as filed complaints with you which can be traced and nothing was done. I have also provided sealed letters and court certified letters and still it was not corrected. 1. My name which court letter was also provided is XXXX XXXX. 2. The child support account was paid on time and paid in full by XX/XX/year> and sealed certified letter was provided to you and all the agencies by the child support enforcement unit confirming my claim and all has been ignored and not corrected, even when I put the agencies on the phone with the agent to confirm that the infos were wrong and still shows. I do not have any negative history and yet for some reason this specific child support account shows late payments and etc, which is completely wrong and incorrect. The support account was court enforced and could not have had large or no payment because the court would not allow that, and it was paid and done with since XX/XX/XXXX. XXXX which my son turned XXXX at that point. This is just disgusting that I have provided everything and still shows all this nonsense. Also the payment history on my report is not at XXXX % because of all is nonsense. Again all documentation and court certified letters were sent to you and all the XXXX agencies by certified mail as well as online uploads.
Consumer complaint received 2024-11-22
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. (TX)

Kindly block and remove the unauthorized accounts from my credit report as soon as possible. I did not authorize or open these accounts and have no knowledge of their origins. Per USC 1681g, I formally request their removal within 15 days. Attached are the relevant documents for your review.
Consumer complaint received 2024-11-22
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX IN XXXX XXXX. XXXX SSN # XXXX ...... I am a victim of identity theft two accounts listed below I do not recognize or authorized nor give consent for these accounts to be open these are fraud and they do not belong to me this cfpb complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, TransUnion credit reported agency block information appearing on my consumer credit report that is the result of identity theft and fraud within four business days of receiving this complaint. This fraudulent inaccurate and false information consist of a personal credit card account open at XXXX XXXX, on XXXX under the account number # XXXX with the balance of {$1000.00} ...... XXXX XXXX, date open XXXX under the account number # XXXX with the balance of {$3800.00} .... These two credit card accounts do not belong to me XXXX XXXX and discovery which are strong up above. These account have resulted in several fraudulent hard inquiries and fraudulent collections reporting on my consumer XXXX credit report. I've attached a list of the XXXX  inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries of appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the fraud. I have attached a copy of the FTC identity theft criminal complaint number # as proof of the US Federal trade commission that all of the aforementioned consumer credit accounts collections and hard inquiries are the result of identity theft and fraud. I demand deletion immediately and be removed from my credit report
Consumer complaint received 2024-11-22
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. (TX)

I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report. 

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within XXXX  days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and may be the result of identity theft or other illegal activities. Attempting to enforce these fraudulent accounts is unlawful. I request that you expedite your investigation to prevent further harm, losses, or damages that I may suffer as a victim of identity theft. 

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.
Consumer complaint received 2024-11-22
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. (NY)

On XX/XX/year> I discovered numerous unauthorized inquiries on my credit report from Transunion. After notifying Transunion that these inquiries were unauthorized and that my report was obtained without permissible purpose I was ignored. I also provided Transunion with an FTC report and that was also ignored. I did not give consent for these companies to use my personal identifying information to access my credit report and this is a violation of my privacy and I demand an Immediate deletion of all the listed unauthorized inquiries within 4 business days from receipt of this complaint.
Consumer complaint received 2024-08-15
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. (CA)

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC Reports regarding the account that do not belong to me. 

Account name : XXXX XXXX  Account Number : XXXX Account name : XXXX. XXXX XXXX. 
Account Number : XXXX Account name : XXXX XXXX Account Number : XXXX
Consumer complaint received 2024-11-22
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 my personal statement that the bankruptcy that I have listed here is fraudulent and needs to be deleted within XXXX business days of your receipt of this report pursuant to 15 USC 1681c-2 of the FCRA on clear grounds of identity theft. DELETE BANKRUPTCY : XXXX XXXX XXXX XXXX XXXX XXXX. This Bankruptcy keeps getting verified, if this keeps happening, I will have no choice but to seek legal XXXX in this matter as this NOT my account. 

PLEASE SEE ATTACHED IDENTITY THEFT REPORT.
Consumer complaint received 2024-11-22
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under XXXX according to XXXX XXXX XXXX 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXX XXXX and would like for all listed accounts to be blocked and deleted from company Transunion. Please delete the following accounts. 

Account Name : XXXX Account Number : XXXX bal. {$1800.00} Account Name : XXXX Account Number : XXXX bal. {$1200.00} Account Name : XXXX Account Number : XXXX bal. {$1900.00}
Consumer complaint received 2024-10-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (CA)

My checking account with US Bank somehow ended up XXXX. In the middle XXXX I received my XXXX  XXXX and loan money. Because of this I knew that I had plenty of money in the bank so I was not looking at my app often. Also I signed up for text alerts for suspicious transactions or anything over XXXX $ yet I never received any texts for anything. On XX/XX/XXXX I went to atm to pull out some cash and deposit a check. I was denied pulling out cash so I looked at the balance page and was struck with the XXXX. 

So I immediately called the bank customer service number and as I talked to the lady I began to look through my statements. There was I counted XXXX cash app transactions that were not me. The transactions started XXXX and went through to XX/XX/XXXX. Most of these transactions happened multiple in a day like XXXX $ XXXX XXXX XXXX etc. Mostly none of these transactions were done one in a day. The total of all XXXX transactions is like XXXX $ I have used XXXX XXXX rarely looking back through the months shows that I didn't use cash up only a few times since I opened the account. 

I opened a fraud claim with US Bank and they gave me XXXX credit for XXXX XXXX $ transaction and now they have closed my account. I was told that the transactions match my location and use patterns. This is ridiculous if I needed XXXX $ on XXXX XXXX i would do one transaction for XXXX $ not XXXX different in a day totaling XXXX XXXX
Consumer complaint received 2024-10-08
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (GA)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon, and I didn't sign an agreement on. A legal contract is signed by XXXX parties, and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make these unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly, they violated my rights.
Consumer complaint received 2024-10-15
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Upgrade, Inc. (WV)

on XX/XX/2024 I contacted Upgrade/Universal to update my mailing address. I tried to online, but they denied my request and I called Customer Service. I was told they couldn't update my address verbally. I was instructed to send a copy of my license front and back and then to create a sign with my account details on it and hold it up in front of me and take another picture. Since I didn't write the word " account owner '' next to my name on the hand drawn sign, they rejected this as proof. I sent official USPS postal address change document reflecting my previous and current address- they rejected that. I also sent a screenshot of my bank login showing my name and updatedaddress- they rejected that. I was told I needed to send a bank statement, My bank issued XXXX on XX/XX/XXXX. I sent the first page showing my address change- they rejected that. I sent the whole bank statement ( XXXX pages ) but redacted my personal purchase information as it is private to me and they have XXXX right to see that information. The bank statement clearly reflects my new address. I am not qualifying for a loan, which I might add I NEVER provided one piece of information to GET the loan, but have to jump through hoops to change my address., I am simply changing my address. They also rejected that stating I must send whole unredacted bank statement to change my address or a voided personal check, which I do not have as eveything is online these days. This seems a little overboard and violates my privacy to provide a whole bank statement when the only thing I need to do is change my address.
Consumer complaint received 2024-11-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.
Consumer complaint received 2024-11-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$XXXX} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : "