davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-11-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I am formally submitting a dispute regarding the unauthorized and inaccurate information currently on my credit report. Upon a thorough review, I have identified multiple significant discrepancies that do not accurately reflect my financial history or actions. These inaccuracies include accounts that I did not open, incorrect personal information, and inquiries conducted without my consent. I request that you investigate and remove the following items : Personal Information : Also Known As : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-11-11
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)

Please review this complaint carefully, as it was not sent by mistake. My report appears to contain mixed information, and I have repeatedly come across accounts, transactions, and items that do not belong to me. This situation is very concerning and is causing me significant stress and XXXX.
Consumer complaint received 2024-11-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XX/XX/year> Subject : Complaint Regarding Inaccurate Late Payments Dear CFPB, I am writing to formally dispute inaccurate late payment entries on my TransUnion credit file for my account with XXXX XXXX XXXX  ( # XXXX ). These reported late payments do not accurately reflect my payment history and, I believe, constitute a violation of my rights under federal law. 

Nature of the Complaint : Inaccurate Reporting of Late Payments : The late payments indicated in my TransUnion credit report are incorrect. As I have been consistently enrolled in autopay for this account, my payment history should reflect 100 % on-time payments. 
Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccuracies on my report violate the FCRA, specifically 15 USC 1666 ( b ), which mandates accurate representation of consumer creditworthiness. Incorrectly listed late payments can have a detrimental effect on my credit score and misrepresent my reliability as a borrower.

Possible Violation of the Fair Debt Collection Practices Act ( FDCPA ) : False reporting of payment information may also violate the FDCPA, which protects consumers from deceptive and misleading representations related to their accounts.

Noncompliance with the Truth in Lending Act ( TILA ) : The inaccurate reporting of payment information further violates the TILA by failing to ensure the accuracy of reported credit information.

Additionally, the Fair Credit Reporting Act, sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, requires credit reporting agencies and information furnishers to ensure maximum possible accuracy in consumer reports.

Under articles 616 and 617 of the FCRA ( 15 U.S.C. 1681n and 1681o ), both willful and negligent noncompliance with these accuracy standards may result in civil liability, including compensation for actual damages, attorneys fees, and potential punitive damages.

Requested Resolution : I request an immediate and thorough investigation into these inaccuracies. I expect TransUnion to correct my credit file by removing all erroneous late payment entries for this account, accurately reflecting my commitment to timely payments.

Please confirm the correction of these entries in writing within 30 days of receiving this letter. Failure to resolve this matter within the given timeframe may result in further action to enforce my rights under the FCRA and other applicable consumer protection laws.

Attachments : I am including supporting documentation to substantiate my dispute, including personal identification, account status reports, payment records, and prior correspondence related to this matter. 
Thank you for addressing this matter with the urgency it deserves. I trust TransUnion will uphold its responsibility to ensure the accuracy of my credit report and correct these errors swiftly. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-09-11
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Problem with customer service — 
Company: TRUIST FINANCIAL CORPORATION (GA)

XXXX issues me a refund check for closure of account in the amount of XXXX. I deposited this check into truist bank on XXXX and the check cleared for use on XXXX. Truist closed my bank account on XXXX stating the XXXX  refund check I deposited was suspected to be fraudulent and requested i send over statements showing the amount of the refund check posted in the XXXX  account on bank statements. I sent in all documents and truist was able to verify the check was valid and legit but is still refusing to release the funds. XXXX have been cooperating. Truist is refusing to release the funds to me and are requesting XXXX  to request the funds back directly to release the funds to me. XXXX is saying once they closed my account and sent all documents to show proof the check issued is not fraudulent it's nothing else for them to do. Truist is now requesting XXXX to send over a HOLD HARMLESS FORM for them to release the funds back to XXXX to be released back to me and XXXX is refusing to send the form over. My XXXX daughters and I are homeless now and I'm willing to take the next step on doing what I need to in order to get my funds back
Consumer complaint received 2024-11-11
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. (TN)

I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after 30 days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-11-11
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)

PLEASE REMOVE ALL ACCOUNTS! AS PER THE GUIDANCE FROM CFPB THE DOCUMENT NEEDED AS A LETTER FROM THE XXXX XXXX HELPING ME DUE TO XXXX XXXX  FINAL RULE 1002.142 ( B ) ( 4 ) -5-1002.142 ( B ) ( 7 ), I KINDLY REQUEST THAT YOU BLOCK ALL INFORMATION FROM MY CREDIT REPORT WITHIN 4 BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. I AM A XXXX XXXX XXXX XXXX XXXX XXXX XXXX  AND WOULD LIKE FOR ALL LISTED ACCOUNTS TO BE BLOCKED AND DELETED FROM CREDIT REPORT! PLEASE DELETE THE FOLLOWING ACCOUNT XXXX {$410.00}
Consumer complaint received 2024-09-12
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 have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2024-08-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (WA)

I hope this letter finds you well. I am writing to seek your assistance in updating several accounts on my credit report. I have noticed that certain information pertaining to these accounts is outdated or incorrect, and I am keen to have my report accurately reflect my current financial situation.
Consumer complaint received 2024-09-11
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK (FL)

My name is XXXX XXXX I have credit card with discovery Credit Card Discovery Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX For XXXX months now I tried to dispute XXXX transactions, on my discovery card and Discovery did nothing they are allowing people to take money from my credit card every month ( XXXX ) XXXX {$29.00} Coming from my account every month ( XXXX ) XXXX XXXX XXXX {$15.00} coming from my account every month ( XXXX ) XXXX  {$29.00} Coming from my account every month I call several times and complain but discovery did nothing. 
I even turn off the card ending in XXXX. 
But every month these charges still coming thru I don't even have a card because discovery close the card I need Discovery to refund me all those charges
Consumer complaint received 2024-09-11
Product: Debt collection — Credit card debt
Issue: Electronic communications — Contacted before 8am or after 9pm
Company: CITIBANK, N.A. (OR)

citicards cbna XXXX # XXXX Collection/ Chargeoff XXXX Opened {$200.00} Credit Limit {$210.00} Balance Individual Account Revolving Account Type Closed Condition XXXX Date Reported {$0.00} 15 U.S Code $ 1681c-2 a consumer reporting agency shall block the reporting of any combination in the file of a consumer 30 days after the debt of receipt. 

Under 15 U.S Code 1681e ( b ) and 15 U.S Code 1681i ( 5 ) this account is in violation not reporting 100 % accurate.

In accordance with the Fair Credit Reporting Act, the list of accounts has violated my federally protected consumer rights Pursuant to 15 USC 1681 section 602 A states I have the right to privacy Pursuant to 15 USC 1681 section 604 A Section 2 it also states a consumer reporting agency can not furnish account information. 

I am requesting the original copy of the agreement & terms & condition. Failure to comply will forfeit your claims and will require you to delete all the list of threats above. 
You are required to do what I am asking and block above reported to my consumer report WITHIN 4 DAYS from the date above.
Consumer complaint received 2024-11-11
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. (IL)

Im very devastated that i have paid off a {$23000.00} dollar car loan with only 7 % left to pay and NOT ONE credit burial has given me any points on my credit report. Transunion has never given me any credit points for a 100 % flawless car payment. and XXXX and XXXX has never even reported it on my credit file. it's like im the most hated at Transunion because everyone get points for having 100 % payment history and i did not receive any score points or boost I want the XXXX points i should have that i have paid off this loan up to 7 % please treat me fair and considering i just beat XXXX  XXXX XXXX XXXX and i still never missed a car payment and never been late. I have checked around and i know i should have XXXX points for this.
Consumer complaint received 2024-11-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

It is disheartening to know that my rights as a consumer is being violated. I value my credit score a lot the same as everyone else 's and the inaccuracies in my credit report has negatively affected both my financial opportunities as well as my mental health. I've been trying to fix this for some time and my requests kept getting ignored and/or disregarded to rectify these issues and my concerns regarding the inaccuracies in my credit report.
Consumer complaint received 2024-11-11
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. (VA)

I am writing to formally address an issue with unauthorized and unverified XXXX and tax lien information listed on my credit report. Upon reviewing my credit report, I discovered these public record items, which I did not authorize and which were not properly validated according to the Fair Credit Reporting Act ( FCRA ), specifically Section 623 ( a ) ( 5 ), which requires that " If the Credit Bureau can not validate the information with the original creditor, they must remove said information from the consumer credit file. '' I contacted the County Recorder of Deeds and the U.S. XXXX Court, and both entities confirmed that they do not provide validation or confirmation of public record information to credit reporting agencies. Additionally, these agencies clarified that they do not verify or validate the public record entries themselves but rely on third-party sources to report such information. 
In accordance with the FCRA, I am requesting that the XXXX and tax lien entries be immediately removed from my credit file. These entries are unverified and not in compliance with federal regulations. The credit reporting agency has failed to validate these public records as required by law. The information provided by the third-party reporting sources was never confirmed or validated by the original record holders, and this constitutes a violation of the FCRA, particularly Section 609 ( a ) ( 1 ) ( a ), which mandates that credit bureaus verify all public record information through original contracts or judgments. 
I request that you provide me with copies of all documentation relating to these public record items, including any court orders or signed authorization forms that would have allowed the inclusion of this information on my credit report. If such documentation can not be provided, I demand the immediate removal of these entries from my credit file. 
In accordance with the FCRA, you are required to complete this investigation within 30 days of receipt of this letter, as stipulated under Section 623 ( a ) ( 3 ). I will be closely monitoring my credit report during this time.
Consumer complaint received 2024-11-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XX/XX/year> Subject : Complaint Regarding Inaccurate Late Payments Dear CFPB, I am writing to formally dispute inaccurate late payment entries on my TransUnion credit file for my account with XXXX XXXX XXXX  ( # XXXX ). These reported late payments do not accurately reflect my payment history and, I believe, constitute a violation of my rights under federal law. 

Nature of the Complaint : Inaccurate Reporting of Late Payments : The late payments indicated in my TransUnion credit report are incorrect. As I have been consistently enrolled in autopay for this account, my payment history should reflect 100 % on-time payments. 
Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccuracies on my report violate the FCRA, specifically 15 USC 1666 ( b ), which mandates accurate representation of consumer creditworthiness. Incorrectly listed late payments can have a detrimental effect on my credit score and misrepresent my reliability as a borrower. 
Possible Violation of the Fair Debt Collection Practices Act ( FDCPA ) : False reporting of payment information may also violate the FDCPA, which protects consumers from deceptive and misleading representations related to their accounts. 
Noncompliance with the Truth in Lending Act ( TILA ) : The inaccurate reporting of payment information further violates the TILA by failing to ensure the accuracy of reported credit information. 
Additionally, the Fair Credit Reporting Act, sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, requires credit reporting agencies and information furnishers to ensure maximum possible accuracy in consumer reports. 

Under articles 616 and 617 of the FCRA ( 15 U.S.C. 1681n and 1681o ), both willful and negligent noncompliance with these accuracy standards may result in civil liability, including compensation for actual damages, attorneys fees, and potential punitive damages. 

Requested Resolution : I request an immediate and thorough investigation into these inaccuracies. I expect TransUnion to correct my credit file by removing all erroneous late payment entries for this account, accurately reflecting my commitment to timely payments. 

Please confirm the correction of these entries in writing within 30 days of receiving this letter. Failure to resolve this matter within the given timeframe may result in further action to enforce my rights under the FCRA and other applicable consumer protection laws. 

Attachments : I am including supporting documentation to substantiate my dispute, including personal identification, account status reports, payment records, and prior correspondence related to this matter. 
Thank you for addressing this matter with the urgency it deserves. I trust TransUnion will uphold its responsibility to ensure the accuracy of my credit report and correct these errors swiftly. 

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

I disputed information to TransUnion twice regarding debt that is really made up and illegal. They are following laws put in place to protect the consumer rights. And its not fair.
Consumer complaint received 2024-09-13
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Rent Recovery Solutions (GA)

I obtained an apartment in which my daughter, I and my grandaugher were living. This was during XXXX shutdown. I became ill with XXXX my daughters were there taking care of me. The neighbor next door became very hostile and confrontational when my youngest daughter began coming over and she went out of her way to cause confusion. I reported this to the office so that they were aware of the problems. The rental agent told me not to worry about it because they were moving and it would be alright. XXXX  it to say the neighbor and my daughter got into a verbal altercation and the police were called. The lady was from the XXXX and had an issue with my daughters XXXX orientation. After the police became involved, the rental agent told me if I would just surrender the apartment, forfeit my deposit and jiust move out that would be the end of the whole situation. I complied with her request and was shocked to find this Rent Reovery collection showing up on my credit report.
Consumer complaint received 2024-09-13
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Bread Financial Holdings, Inc. (CA)

I was the victim of identity theft. This is a formal dispute to support my position and claim. 
Below is the information you need to remove or block this account from my report. Also, this account is knowingly and willingly committing aggravated identity theft to collect on an extension of credit and punish me for non-repayment thereof through the credit reporting agencies. 

XXXX XXXX XXXX
Consumer complaint received 2024-11-11
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)

PERSONAL STATEMENT CFPB I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : ACCOUNTS : XXXX. XXXX XXXX XXXX. Account number : XXXX XXXX. XXXX XXXX XXXX. Account number XXXX XXXX. XXXX XXXX XXXX. Account number : XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you.