davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-22
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. (TN)

To whom it may concern, I never gave Transunion any verbal or written consent to report anything on my consumer report. No consent is Identity Theft. A copy of the law is attached with this dispute.

You also do not have any permissible purpose to furnish my personal information to any third party.

THIS IS IDENITY THEFT!!! PER 15 USC 1681Q YOU MUST HAVE WRITTEN INSTRUSCTION TO REPORT THIS ACCOUNT LIST BELOW. IM DEMANDING YOU PROVIDE ME MY WRITTEN SIGNATURE WHERE I GAVE YOU PERMISSION TO REPORT TO MY CONSUMER REPORT TO SHARE MY PERSONAL INFORMATION. YOU RECIEVED MY INFORAMTION FROM A SECONDARY REPORTING AGENCY. 

PER TITLE 18 USC 1028A THIS IS AGGRAVATED IDENITY THEFT AND I DEMAND THIS ENITRE ACCOUNT BE DELETED FROM MY CONSUMER REPORT AND FROM YOUR DATA BASE. IM EXCERCISING MY RIGHTS.

As a consumer, I am demanding a deletion of the following account : 1. I was never late on this account. 
XXXX XXXX XXXX Please correct/update this inaccurate information on my credit report. ( Under 15 USC 1666B this is a billing error. I was never late ) 2. The status is incorrect for the following account XXXX Please remove it from my credit report.

15 USC 1681b Permissible purpose of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

PLEASE SEND ME AN UPDATED REPORT SHOWING THIS ACCOUNT BEING DELETED FROM YOUR DATA SYSTEM IMEDIATELY
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MI)

" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

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. ''
Consumer complaint received 2024-10-21
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. (NC)

Dear TransUnion, I am writing to dispute the removal of my XXXXXXXX XXXX XXXX account ( Account Number : XXXX ) from my credit report. This is a valid account that should be accurately reflected in my consumer report, but it was removed on XX/XX/2024. 

Please take immediate action to reinstate this account and ensure it is properly reported. Let me know if further information is needed. 

Thank you for your attention to this matter.
Consumer complaint received 2024-10-21
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. (NC)

Dear TransUnion, I am writing to dispute the removal of my XXXX XXXX XXXX account ( Account Number : XXXX ) from my credit report. This is a valid account that should be accurately reflected in my consumer report, but it was removed on XX/XX/year>. 

Please take immediate action to reinstate this account and ensure it is properly reported. Let me know if further information is needed. 

Thank you for your attention to this matter.
Consumer complaint received 2024-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to urgently notify you that I have been a victim of identity theft, which has resulted in numerous fraudulent entries on my credit report. These unauthorized accounts and inquiries were added without my knowledge or consent, and I request immediate action to address this issue. 

I have already filed an official identity theft report with the Federal Trade Commission ( FTC ) and am now demanding the prompt removal of these fraudulent items to restore the accuracy and integrity of my credit report. 

ACCOUNTS - XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRIES ( XXXX XXXX XX/XX/year> ) ( XXXX XX/XX/year> ) ( XXXX XXXX XX/XX/year> ) ( XXXX XX/XX/year> ) ( XXXX XX/XX/year> ) ( XXXX XXXX XXXX XXXXXX/XX/year> ) ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) ( XXXX XXXX XX/XX/year> ) ( XXXX XX/XX/year> ) ( XXXX XX/XX/year> ) ( XXXX XXXX  XX/XX/year> ) ( XXXX XXXX XXXXXX/XX/year> ) ( XXXX XX/XX/year> ) ( XXXX XXXXXX/XX/year> ) ( XXXX XX/XX/year> ) ( XXXX XXXXXX/XX/year> ) Specifically, I am requesting the removal of XXXX unauthorized accounts and XXXX unauthorized inquiries from my file. It is crucial that my credit report reflects only accurate and legitimate information. 

I trust you will handle this matter with the urgency it requires. Please confirm once the necessary corrections have been made.
Consumer complaint received 2024-10-21
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. (WI)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-10-21
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. (CA)

I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts on my report, theyre hurting of my ability to obtain credit. 

Account Name : XXXX Account number : XXXX Amount : {$920.00} Account name : XXXX XXXX  Account Number : XXXX Amount : {$21000.00} Account name : XXXX XXXX  Account Number : XXXX Amount : {$23000.00} Account name : XXXX XXXX  Account Number : XXXX Amount : {$28000.00} Inquiries : XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.
Consumer complaint received 2024-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Self Financial Inc. (CA)

I am writing to address inaccuracies in my credit report regarding late payments. Upon review of my records, I have identified these erroneous late payment entries. I sent correspondence about this issue more than 30 days ago, but have not received any response or satisfactory validation of these reported late payments.
Consumer complaint received 2024-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NC)

XX/XX/year> XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXt Number : XXXX To Whom It May Concern, I am writing regarding a debt your company claims I owe. Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that you provide full validation of the debt you are attempting to collect.

Please provide the following information for verification : 1. The name and address of the original creditor.

2. The full account number of the original debt.

3. A copy of the original signed agreement or contract with the original creditor.

4. The date of the debts original default and the amount of the debt at the time of default.

5. A breakdown of how you calculated the amount owed ( interest, fees, etc. ).

6. Proof that your company is authorized to collect this debt.

7. Any documentation showing that this debt is within the statute of limitations for collection in my state.

Please consider this letter a formal dispute of the debt and a request for validation. Under the FDCPA, all collection activities must cease until you have provided the requested documentation.

If you can not validate this debt, please remove it from your records and cease any further communication regarding this matter.

Thank you for your attention to this matter. I expect to receive a response within the timeframe outlined by the FDCPA. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-10-16
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: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-10-21
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. (NC)

XX/XX/2024 XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX SC XXXX Subject : Debt Validation Request Account Number : XXXX To Whom It May Concern, I am writing regarding a debt your company claims I owe. Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that you provide full validation of the debt you are attempting to collect.

Please provide the following information for verification : 1. The name and address of the original creditor.

2. The full account number of the original debt.

3. A copy of the original signed agreement or contract with the original creditor.

4. The date of the debts original default and the amount of the debt at the time of default.

5. A breakdown of how you calculated the amount owed ( interest, fees, etc. ).

6. Proof that your company is authorized to collect this debt.

7. Any documentation showing that this debt is within the statute of limitations for collection in my state.

Please consider this letter a formal dispute of the debt and a request for validation. Under the FDCPA, all collection activities must cease until you have provided the requested documentation.

If you can not validate this debt, please remove it from your records and cease any further communication regarding this matter. 

Thank you for your attention to this matter. I expect to receive a response within the timeframe outlined by the FDCPA. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-10-18
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: EQUIFAX, INC. (TX)

Errors exist on my credit report in relation to 15 USC 16c-2. The inquiries listed were not sanctioned by me and are hurting my credit. Please remove all unauthorized hard inquiries. Thank you!
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NJ)

has violated my rights. 15 U.S. C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instruction Equifax Account number XXXX XXXX ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, 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.
Consumer complaint received 2024-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I WAS RECENTLY NOTIFIED THAT MY INFORMATION WAS INVOLVED IN A DATA BREACH AND SOMEONE TRIED TO OPEN A BANK ACCOUNT IN MY NAME. I PULLED MY CREDIT REPORT AND NOTICED INQUIRES THAT I DID NOT AUTHORIZE, AND I DIDN'T TRY TO OPEN ACCOUNTS WITH ANY OF THESE COMPANIES. PLEASE REMOVE THE FOLLOWING INQUIRES AS THEY WERE NOT AUTHORIZED BY MEXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-10-21
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 have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

My account was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports
Consumer complaint received 2024-10-21
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. (NC)

The fraud alert was placed on my credit file due to a past incident of identity theft, but the situation has been resolved, and I no longer require the alert. As such, I kindly ask for your assistance in removing the fraud alert promptly to ensure that my credit transactions proceed smoothly without unnecessary disruptions. Thank you for your attention to this matter.
Consumer complaint received 2024-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (MA)

XXXX XXXX, XX/XX/year>, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ) that you, the XXXX credit XXXX XXXX XXXX XXXX information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of Incorrect Personal Information - Current Address : 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
Consumer complaint received 2024-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

RE : Trafficking Block Request To Whom It May Concern, I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
ACCOUNTS : XXXX - XXXX - XX/XX/XXXX - {$2400.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$4900.00} Please block this information from my credit report within XXXX business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Consumer complaint received 2024-10-21
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. (MS)

The following companies have violated my rights : Account Name : XXXX XXXX XXXX DATE : XX/XX/year> AMOUNTS : {$9900.00} ACTIONS TAKEN BY ME : DISPUTED THE AMOUNT OWED Account Name : XXXX XXXX DATE : XX/XX/year> AMOUNTS : {$170.00} ACTIONS TAKEN BY ME : DISPUTED THE AMOUNT OWED Account Name : XXXX XXXX XXXX DATE : XX/XX/year> AMOUNTS : {$680.00} ACTIONS TAKEN BY ME : DISPUTED THE AMOUNT OWED Account Name : XXXX XXXX XXXX  DATE : XX/XX/year> AMOUNTS : {$540.00} ACTIONS TAKEN BY ME : DISPUTED THE AMOUNT OWED 15 U.S.C. 1681 Section 602 A States I have a right to privacy.

15 U.S.C 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681c ( a ) ( 5 ) Section states no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-10-21
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)

The fraud alert was placed on my credit file due to a past incident of identity theft, but the situation has been resolved, and I no longer require the alert. As such, I kindly ask for your assistance in removing the fraud alert promptly to ensure that my credit transactions proceed smoothly without unnecessary disruptions. Thank you for your attention to this matter.