davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-11-09
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)

I am filing this complaint to demand accountability for the blatant disregard of my rights by the credit bureaus, who have willfully ignored their obligations under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2, Section 605B. As a documented victim of a data breach, with proof of compromised personal information, I provided the required evidence and formal identity theft report to have fraudulent entries removed from my credit file. Despite my compliance, the bureaus have refused to block the inaccurate information, resulting in severe damage to my financial standing and personal reputation. This is a clear and unlawful violation of consumer protections, and I demand immediate corrective action by the Consumer Financial Protection Bureau ( CFPB ). If these egregious violations are not addressed promptly, I am fully prepared to initiate litigation to hold the bureaus accountable and recover full damages for the harm inflicted upon me.
Consumer complaint received 2024-11-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Ive been trying to reach out to the proper channels regarding the inaccuracies off my credit report, but to no avail and Ive had enough. It brought tremendous frustration and sleepless nights, worrying if XXXX XXXX XXXX  just because of my XXXX XXXX being unfairly affected due to these errors on my credit report hindering me from getting my credit applications approved.
Consumer complaint received 2024-11-10
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)

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 {$1000.00} per violation, for account listed without my expressed written consent
Consumer complaint received 2024-08-28
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. (SC)

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.
Consumer complaint received 2016-12-02
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: M&T BANK CORPORATION (MD)

Today, XX/XX/2016. I visit the M and T bank in XXXX, XXXX MD often. There is only XXXX tellers working and sometimes XXXX which cause the. I went in there one time it was a teller working the drive thru and window. The line was extremely long today and there were only XXXX tellers working. XXXX teller was working the drive thru and the window. The lady behind the glass said it is the first of the month, that is more reason they should have more than XXXX teller at the window. I understand that it is the XXXX of the month, but I have gone to this bank at other times and it only XXXX teller working the window and the other at the window. It is frustrating and others complain as well. I am considering doing my banking at a different bank. This particular bank happens to be closer to my job. For better customer service it is worth it. I am writing for those XXXX people, and working people that my not have a choice but to use this bank. I hope something can be done soon. I hear this particular bank is always like this. I told the bank manager, I assume that 's who she was, that this is not right. Then she began waiting on customers. I hope this helps and hopefully M and T bank will employ more tellers.
Consumer complaint received 2024-11-09
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE (AZ)

On XXXX XXXX while I was at XXXX XXXX someone stole several of my credit cards that were in my vehicle parked in the parking lot. My husband got a notice from a different bank to verify a charge to which he denied. We assumed that was the only incident and went on with our day. We were about and hour from the beach in heavy traffic when I discovered my wallet was placed differently in my purse. I started looking and discovered several cards were missing including the one to Barclays Bank. I talked with them and they put the credit back and after sixty days determined it was fraud and I wasnt responsible. They closed the account ending XXXX and opened a new card ending in XXXX. I used the card a few times and on or about XX/XX/XXXXXXXX  I went to make a payment and discovered the charges were back. As I looked through the account I saw a letter saying they determined that since I had used the card it wasnt stolen so the charges were mine to pay. I called them and tried to explain that the charges were made on the replacement card not the stolen one. They said it would take 30 days to determine. I paid the amount that I had charged on the replacement card so it wouldnt go late. I called at 30 days and they said it was still there. I need to get the charges removed as I have never even been in the high end stores where the charges were used. Please help.
Consumer complaint received 2024-11-26
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)

ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.
Consumer complaint received 2024-11-26
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 filing this complaint against XXXX  XXXX for violating the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, by inaccurately reporting an account that they no longer own. 

On XX/XX/XXXX, I requested XXXX XXXX to validate and verify an alleged debt associated with account number ending in XXXX. XXXX XXXX responded by stating that the account had been XXXX XXXX XXXX. Despite this, the account continues to be reported under XXXX XXXX 's name on my consumer credit reports with XXXX, XXXX, and TransUnion. 

This continued reporting violates 15 U.S.C. 1681s-2 ( b ), which requires furnishers of information to ensure accuracy and completeness. As XXXX XXXX no longer owns the debt, its reporting of this account is both inaccurate and misleading. Further, XXXX XXXX failed to provide any validation or proof of the debt under 15 U.S.C. 1692g of the FDCPA. 

My specific concerns are as follows : XXXX. XXXX XXXX continues to report a sold debt on my credit file, which is materially misleading and impacts my creditworthiness.

2. The failure to validate or provide proof of the alleged debt after my written request.

3. The negligence in updating or correcting inaccurate information with the credit bureaus, violating my rights under the FCRA. 

I have attempted to resolve this matter directly with XXXX XXXX through written correspondence, but they have failed to take corrective action. I request that the CFPB : 1. Investigate XXXX XXXX for its violation of FCRA reporting requirements.

2. Require XXXX XXXX to immediately remove the inaccurate account from all consumer credit reports.

3. Impose penalties and ensure compliance with consumer protection laws. 

Attached are copies of my dispute letters to XXXX XXXX, their responses, and evidence of the account 's continued reporting. I look forward to your assistance in resolving this matter promptly. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-11-26
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. (CA)

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account. Actually I am not sure that the account is even mine though your company claims to have verified this. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. As in XXXX XXXX TransUnion, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXX  XXXX XXXX
Consumer complaint received 2024-11-26
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. (CA)

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account though your company claims to have verified this. 


Depending solely on your flawed XXXX  system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX TransUnion, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 
Bankruptcy XXXX XXXX Reference number : XXXX
Consumer complaint received 2024-11-26
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. (MD)

ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.
Consumer complaint received 2024-11-26
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)

Subject : Dispute Regarding Inaccurate Reporting on XXXX XXXX XXXX  Account ( Account # : XXXX ) ** Dear CFPB, I am filing a formal complaint regarding the reporting of inaccurate information on my XXXX XXXX XXXX account ( Account # : XXXX ) and requesting immediate corrective action. The reporting reflects a late payment ( 30 days ) that is not accurate, as payments have been consistently made and the account remains in good standing. 

Details of the Dispute : Inaccurate Late Payment Reporting : The late payment reported in XX/XX/year> is inaccurate. Payments were made as agreed, and no missed payment should be reflected on my credit report. This inaccurate information is damaging to my credit profile and violates my rights under the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 et seq. ), which requires furnishers to ensure the accuracy of the data they report.

Current Payment Status : As reflected in the reporting, my account status is " Current '' across all bureaus, yet the erroneous late payment entries remain in the payment history. This inconsistency further highlights the inaccuracy.

Violations of Consumer Rights : Under the FCRA ( 15 U.S.C. 1681i ), I have the right to dispute incomplete or inaccurate information on my credit report, and creditors must investigate and correct such inaccuracies.

The Truth in Lending Act ( TILA, 15 U.S.C. 1601 ) requires transparency and accuracy in reporting account terms and conditions, which has not been upheld.

Under the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692 ), the misrepresentation of account status or payment history constitutes an unfair practice.

Harm Caused : This erroneous reporting has adversely affected my credit score and financial credibility, limiting my ability to access favorable credit terms.
Consumer complaint received 2024-11-26
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. (GA)

To file a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding a violation of the Fair Credit Reporting Act ( FCRA ), you can use the following format. Be sure to customize it with your personal details and any specific information pertinent to your case : -- - **Subject : Complaint Against TransUnion for FCRA Violations** **To : Consumer Financial Protection Bureau** **Regarding : TransUnion FCRA Violation** Dear CFPB, I am writing to file a formal complaint against TransUnion for violations of the Fair Credit Reporting Act ( FCRA ) concerning my inability to dispute inaccuracies in my credit file online, as well as unauthorized hard inquiries. 

**Issues with Dispute Process : ** I have attempted to dispute inaccuracies found on my credit report with TransUnion through their online platform. However, the system has consistently failed to enable me to initiate or complete these disputes. This hinders my right under the FCRA to dispute inaccurate or incomplete information freely and fairly. 

**Unauthorized Hard Inquiries : ** Upon reviewing my credit report, I discovered hard inquiries from XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX I have never authorized these entities to access my credit file, nor do I hold any accounts or products with these institutions that would justify such inquiries. This raises concerns over potential identity theft or unauthorized access to my financial information. 

The presence of multiple unauthorized hard inquiries has adversely affected my credit score and, subsequently, my ability to obtain credit on favorable terms. I believe this to be a violation of the FCRA, which mandates consumer consent for credit inquiries.

**Relief Sought : ** 1. Facilitation of a comprehensive review and correction process for my credit report. 
2. Removal of the unauthorized hard inquiries from my credit report.

3. Assurance that my current and future rights under the FCRA to dispute credit report inaccuracies are honored.

Given these violations, I ask the CFPB to conduct a thorough investigation into TransUnion 's practices concerning my case. I trust that your office will take the necessary steps to ensure compliance with FCRA regulations. 

Thank you for your attention to this matter. Please feel free to contact me for further information or clarification. 

Sincerely, [ XXXX XXXX ] [ Your Contact Information : XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ga, XXXX ] -- -
Consumer complaint received 2024-11-26
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. (NV)

ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.
Consumer complaint received 2024-11-26
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)

Account Name : XXXX Account Number : XXXX XX/XX/XXXX Reason : I don't recognize this account Account Name : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) Account Number : XXXX XX/XX/XXXX Reason : Unverified account Account Name : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) Account Number : XXXX XX/XX/XXXX Reason : Unverified account Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XX/XX/XXXX Account Number : XXXX Account Name : XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX ) Account Number : XXXX XX/XX/XXXX Reason : Unverified account
Consumer complaint received 2024-11-26
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. (GA)

I have reviewed my credit report and noticed that several hard inquiries do not indicate a permissible purpose next to these items. According to the Fair Credit Reporting Act, any information provided on my consumer report must have a permissible purpose as outlined in 15 USC 1681b. PLEASE DELETE THESE! See below and credit report attachment. 

Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-11-26
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. (NJ)

I reviewed my Consumer Reports and noticed I have incorrect items on my Consumer report that I was not aware of. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments and also I have no knowledge of these Fraudulent accounts and Fraudulent inquiries Please investigate and provide Proof with statements showing that these payments were late and that these Fraudulent accounts and Fraudulent inquiries are mine.

If proof can't be provided I demand these payment accounts and inquiries be updated too on time as they should be as I was NEVER Late and the Fraudulent account and Fraudulent inquiries I am a victim of the data breach and would like all accounts mentioned to be blocked and deleted pursuant to 15 USC 1681c-2 ( a ).
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MO)

I made a error to include XXXX XXXX given CFPB ID XXXX with the report that Experian is excessively making inquiries for my information for credit cards. I apologize. I misunderstood.
Consumer complaint received 2024-11-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.
Consumer complaint received 2024-10-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (GA)

I haven't had an account with XXXX  since before XXXX  ; they attempted to say I had a debt with them, but I paid everything on time and returned the equipment. I have been living with my cousin the last XXXX years and all internet is in her name. XXXX  sold the " debt '' to I. C. System, INC years ago and I. C. System, INC. keeps renewing the account date, which is putting a strain on my credit.
Consumer complaint received 2024-11-26
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. (MS)

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.