davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-30
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. (MD)

I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 


Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action. 


Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and FCRA 605B ( Identity Theft Claims ). These accounts are falsely reported as charge-offs. 
Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report.

DELETE THIS ACCOUNTS IN MY CREDIT REPORT IMMEDIATELY!
Consumer complaint received 2024-10-31
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. (NV)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-10-31
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)

This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ). 
Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b. 

I demand that the following items be deleted immediately from my credit report :
Consumer complaint received 2024-11-01
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. (NC)

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 that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : 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 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I contacted Transunion on XX/XX/XXXX around XXXXXXXX XXXX and talked to a XXXX who refused to give me her employee number after she was rude, unhelpful and refused me access to my report claiming I did not answer the security questions correctly which I DID, she also denied me the ability to remove to freeze and security alert permanently after I have had continual issues with them and their webpage, after not being able to access my account online AGAIN to put my credit freeze I removed temporarily back on my report and asked her to update my phone number on my security alert I placed on my account after having my data breached XXXX since XXXX!!!! She then refused to let me talk to a manager five times and said she had to have them call me, but finally sent me to XXXX XXXX who asked me XXXX questions and secured the account within XXXX minutes after she wasted half an hour gathering all of my PII and life history and did nothing to help me! I want her fired!!! I want the credit bureaus shut down they are worthless and only put everyones data at risk!! All three have been hacked and breached my information than the XXXX  have you say all of your PII outloud again in front of everyone around you at the business and their coworkers as well as enter it online!! Is it any wonder every person has been hacked numerous times??? They have no business having and trying to control our data or treating us as criminals when we make a call or change!! They should have updated my phone number months ago on my security alert with my current number in my account and all three bureaus should be interconnected so they can update any of these changes per the FCRA and FDCPA all data on all credit reports are to be accurate and the same and updated between them, yet XXXX said they do not do this!!! XXXX XXXX XXXXXXXX do they do other than report incorrect information, try to control our data and correct businesses by XXXX XXXX XXXX and ruining our credit and gathering our new information to help them skiptrace!!! This country ran XXXX percent better before they ever were created! They also should be made to only use personal security words to verify who we are not blasting all of our PII all over the call center and making us do the same from the business!!!! XXXX
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

On XX/XX/year> my vehicle was in a collision and was totaled out. 

I filed a report to my auto insurance and XXXX XXXX  to pay out the remaining balance on the loan since the vehicle was declared to be totaled. 

The principle mount owed at that time was {$15000.00}. 

Total coverage our primary insurance check coveredwas {$13000.00} The XXXX XXXX  final payout was {$930.00}. 

Originally service contract refund which prorated to {$880.00} Due to negligence from the finance department where I purchased the vehicle their portion of the remaining balance was 90 days past due. 

Because of late fees their financial responsibility went from {$880.00} to {$1000.00} as of XX/XX/year>. 

Further proof that they were responsible for the late payment is shown on the check they sent out. The total they sent was for {$1000.00}. 
Again, had they paid on time the amount they would have had to pay was {$880.00} While I waited and battled with the finance department at XXXX XXXX I kept receiving phone calls from debt collectors that were sent from XXXX. 

Despite me providing evidence of the police report, the documents from both my auto insurance and the XXXX  explains the payouts and information of the wreck, and XXXX receiving checks from both Insurance companies they continued to ignore the fact that this was a total loss pay out on the loan. 

Because of this my credit score went from XXXX to XXXX. 

I need them to fix their error and expunge the negative reports that impacted my credit history.
Consumer complaint received 2024-10-31
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 15 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 2024-10-31
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)

I want to inform the Credit Bureaus that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX BANK NA XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Balance {$19000.00} XXXX XXXX XXXX XXXX {$9400.00} XXXX XXXX XXXX XXXX {$5100.00} XXXX BANK XXXX Balance {$44000.00} XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year>
Consumer complaint received 2024-10-30
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. (NC)

I'm reaching out to address several issues I've encountered with the credit bureau. These include incorrect account listings, multiple unauthorized inquiries, inaccurate reporting, billing errors, and accounts that do not belong to me. I would appreciate your help in correcting these issues to support my financial stability.
Consumer complaint received 2024-10-30
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. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX Subject : Notice of Violation of the Fair Credit Reporting Act ( FCRA ) and Intent to Pursue Litigation I am writing to formally notify you that your failure to honor my complaint regarding identity theft, despite my submission of the Federal Trade Commission Identity Theft Affidavit, is in direct violation of federal law. Furthermore, your refusal to update my address to my current address, which is XXXX XXXX XXXX XXXX, XXXX, Georgia XXXX, is also a breach of your legal obligations. 
Violations of Federal Law 1. Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c-2 : This provision mandates that credit reporting agencies must block or delete fraudulent information in a consumers file once they receive an identity theft report, along with supporting documentation such as an Identity Theft Affidavit. 
Your failure to address and correct the fraudulent information I reported constitutes a violation of this section. 
XXXX. FCRA, XXXX XXXX. XXXX ( Reinvestigation of Disputed Information ) : You are required to conduct a reasonable investigation into any dispute of inaccurate information reported to your agency. By ignoring my legitimate complaint and affidavit, you have failed to meet this obligation. 
XXXX. FCRA, XXXX XXXX. XXXX ( Permissible Purpose ) : Your continued failure to update my address as per my request creates additional harm by increasing the risk of inaccurate credit reporting and potential misuse of my personal information. 

Request for Immediate Action I hereby demand that within 15 calendar days from the date of this letter : 1. You block or delete the fraudulent information as supported by the Identity Theft Affidavit. 
2. You update my current address to XXXX XXXX XXXX XXXX, XXXX, Georgia XXXX. 

Failure to comply with these lawful requests will leave me no choice but to pursue legal remedies to protect my rights, including but not limited to filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and initiating litigation under the FCRA. Please be advised that violations of the FCRA can result in both statutory damages and punitive damages, as well as attorneys fees and other costs of litigation. 

Conclusion I trust that you will treat this matter with the urgency it deserves and correct the issues immediately. Please send written confirmation of the actions taken to the address listed above. 

If I do not receive a satisfactory response within the specified timeframe, I will proceed with further legal actions without further notice. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-10-30
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)

I am a victim of identity theft, and my information was compromised, resulting in the appearance of these accounts on my credit report. I am genuinely affected by these accounts, as they are not mine and I should not be held accountable or responsible for something that was opened without my knowledge.
Consumer complaint received 2024-10-31
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. (PA)

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-10-31
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)

Upon checking my credit report I have discovered a few fraudulent accounts, these accounts were open without my consent, XXXX XXXX opened XX/XX/XXXX with account number XXXX, XXXX opened on XX/XX/XXXX with account number XXXX, and fraudulent hard inquiries on my credit report, the hard inquiries are XXXX XXXX XX/XX/XXXX | XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

This is offered through my XXXX XXXX. Both balances should be XXXX  balance for XXXX. 



XX/XX/XXXX NEW Credit monitoring : New Account A new account has been opened. 
Account Balance {$250.00} Account Number XXXX Address XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX CA XXXX XXXX Creditor Name XXXX Industry Type Personal Loan Companies XX/XX/XXXX Account Balance {$270.00} Account Number XXXX Address XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX Creditor XXXX XXXX Industry Type Personal Loan Companies
Consumer complaint received 2024-10-30
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. (GA)

After sending complaints here in CFPB these negative items are STILL reporting and my complaints have NEVER been resolved. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proof of my identity and my Proof of Address.
Consumer complaint received 2024-10-31
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)

XX/XX/XXXX The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name XXXX XXXXXXXX XXXX XXXX, Account name : XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX, and XXXX XXXX has violated my rights. 

I looked at my XXXX credit report on XX/XX/XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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 2024-10-31
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 wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 


XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-10-31
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. (SC)

I am writing to formally dispute inaccurate and fraudulent information appearing on my credit report related to accounts from XXXX XXXX, XXXX XXXX, and XXXX XXXX. Under the protections provided by the Fair Credit Reporting Act ( FCRA ), Section 605 ( b ) and 15 U.S.C. 1681, I demand the immediate removal and blocking of these fraudulent entries.