davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-11-23
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. (LA)

XXXX XXXX, XXXX, XX/XX/XXXX. This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C 1681 c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of your receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX Bank on XX/XX/XXXX under account number XXXX. This and also a number of fraudulent inquires from XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, all of these happened on XX/XX/XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, that happened on XX/XX/XXXX. Also XXXX XXXX that happened on XXXX, XXXX XXXX. Ive attached a a copy of the consumer FICO credit report maintained by which shows the aforementioned fraudulent items. I do not recognize the aforementioned account, and inquires appearing on my consumer credit report maintained by you where not opened, made, or initiated by me. All of the aforementioned accounts and inquires are a result in identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts and inquires are the result of identity theft and fraud.
Consumer complaint received 2024-11-23
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 reviewed my credit report and noticed that there was a couple of late payments showing on my credit report that I was never late for. The consumer reporting agency has assumed a viral role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been laid on the payments for the account that I have included, Please investigate and provide proof with statements showing that these payments were late. If proof cant be provided l demand, these late payments be updated to paid as agreed on time as they should be due to the fact, I was never late. Thank you in advance!
Consumer complaint received 2024-11-23
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)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, 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 instructions.
Consumer complaint received 2024-11-24
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. (IL)

Despite my previous three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. In their responses to my dispute letters, they stated that they have verified the items listed as accurate but failed to send me copies of the documents used to verify these accounts, as per my request.

Their failure to provide these documents indicates that they can not and did not verify any of the disputed accounts as claimed. Furthermore, their failure to delete the disputed accounts that they can not verify after three written requests demonstrates a willful disregard of Federal Law.

Please review the attached letter. Thank you for your assistance.
Consumer complaint received 2024-08-08
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: Experian Information Solutions Inc. (IL)

I have already reached out to the credit bureaus regarding the inaccuracies on my credit report, but unfortunately, they have not taken the necessary steps to fix them. These errors are significantly impacting my creditworthiness and making it challenging for me to access favorable financial opportunities.
Consumer complaint received 2024-11-24
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. (SC)

I am writing to formally request the blocking and deletion of fraudulent accounts reported on my credit file, in accordance with **15 USC 1681c-2 ( a ) **. As a victim of identity theft connected to the XXXX data breach, I have noticed accounts or inquiries that are not authorized by me. 
Pursuant to the Fair Credit Reporting Act ( FCRA ), I request that Transunion immediately block and delete the following fraudulent accounts and inquiries from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Consumer complaint received 2024-11-24
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. (MI)

Transunion has currently violated 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( 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 - 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 ; Violation 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( 5 ) Treatment of Inaccurate or Unverifiable Information Account past due amount invalid, already paid and reporting well over amount in attempt to hurt credit. Transunion report has been modified with invalid data to punish and cohere consumer

611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681 Violation 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( 5 ) Treatment of Inaccurate When asked to validate Agreement that grants the authority to collect on this alleged debt. Agreement that bears the signature of the alleged debtor where I agreed to pa
y the creditor. 
Any insurance claims been made by any creditor regarding this account. 
Any Judgments obtained by any creditor regarding this account. 
Name and address of alleged creditor. 
Name on file of alleged debtor. 
Alleged account number. 
Address on file for alleged debtor. 
Amount of alleged debt. 
Date this alleged debt became payable. 
Date of original charge off or delinquency. 
Verification that this debt was assigned or sold to collector. 
Complete accounting of alleged debt. 
Commission for debt collector if collection efforts are successful. 
I am also requesting The means of which this information was VERIFIED and VALIDATED NO INFORMATION OF WAS RETURNED Not only is Transunion violating consumer rights they are also failing to investigate issues which has been a persistent issue.attached you will see a paper that does not validate debt properly or provide any information above consumer signing for debt
Consumer complaint received 2024-11-24
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. (MI)

Transunion has currently violated 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( 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 - 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 ; Violation 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( 5 ) Treatment of Inaccurate or Unverifiable Information Account past due amount invalid, already paid and reporting well over amount in attempt to hurt credit. Transunion report has been modified with invalid data to punish and cohere consumer 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681 Violation 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( 5 ) Treatment of Inaccurate When asked to validate Agreement that grants the authority to collect on this alleged debt.

Agreement that bears the signature of the alleged debtor where I agreed to pay the creditor.

Any insurance claims been made by any creditor regarding this account.

Any Judgments obtained by any creditor regarding this account.

Name and address of alleged creditor.

Name on file of alleged debtor.

Alleged account number.

Address on file for alleged debtor.

Amount of alleged debt.

Date this alleged debt became payable.

Date of original charge off or delinquency.

Verification that this debt was assigned or sold to collector.

Complete accounting of alleged debt. 
Commission for debt collector if collection efforts are successful. 
I am also requesting The means of which this information was VERIFIED and VALIDATED NO INFORMATION OF WAS RETURNED Not only is Transunion violating consumer rights they are also failing to investigate issues which has been a persistent issue.attached you will see a paper that does not validate debt properly or provide any information above consumer signing for debt
Consumer complaint received 2024-11-23
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. (PA)

I logged into my credit report and i saw couple report that am not aware about. 
-- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-11-23
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)

There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information to be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer : XXXX XXXXXXXX XXXX ACCT. # : XXXX In accordance with the Fair Credit Reporting Act, the following businesses and referenced accounts have violated my rights : XXXX XXXX XXXX XXXX # : XXXX 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 states that a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2024-11-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 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. Please remove the following items from my credit report, immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

Dear Consumer Financial Protection Bureau, I am writing to formally file a complaint regarding the inaccurate reporting of several accounts on my credit report in violation of the Fair Credit Reporting Act ( FCRA ). Despite my attempts to resolve these inaccuracies directly with the credit reporting bureaus, the situation has not been rectified. 

Details of Inaccuracies : XXXXXXXX XXXX XXXX Account No : XXXX This account has been inaccurately reported as a charge-off with late payments that did not occur. Despite multiple disputes, the credit bureaus have failed to correct or delete the erroneous information. 
XXXX XXXX XXXX Account No : XXXX This account has inaccurate reporting of late payments and incorrect account statuses. These errors have persisted on my credit report, despite efforts to dispute them. 
XXXX XXXX XXXX Account No : XXXX The reporting of this account includes a collection status that is inaccurate. These entries have been challenged but remain unresolved. 
These inaccuracies are in direct violation of the FCRA, specifically : Section 609 ( a ) which ensures consumers ' right to accurate reporting.

Section 611 which requires credit bureaus to conduct reasonable investigations when disputes are raised.

Section 623 which holds furnishers of information accountable for providing accurate data to the credit reporting agencies. 
Efforts to Resolve the Matter : I have contacted the credit bureaus and the original creditors on multiple occasions to correct these inaccuracies. Despite submitting formal disputes, the credit reporting agencies have either failed to investigate properly or have not corrected the information. This has caused significant damage to my credit profile. 

Requested Resolution : I am seeking the immediate deletion of the inaccurate information from my credit report. I request the Consumer Financial Protection Bureau to take appropriate action and ensure that the reporting agencies and creditors comply with the FCRA. 

Attached are copies of : My dispute letters to the credit bureaus.

Credit reports showing the inaccurate information. 
Sworn affidavits outlining the inaccuracies and violations. 
I appreciate your attention to this matter and look forward to a prompt resolution. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-11-24
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. (OH)

TO YOUR COMPNAY ( I HAVE ACCOUNTS ON MY CONSUMER REPORT THAT ARE REPORTING Inaccuracies in the dates. THESE ACCOUNTS ARE INACCURARTE AND ARE A VIOLATION OF THE FCRA AND MUST BE DELTED IMMEDIATELY. AFTER THIS INVESTIGATION, DELETE THESE ACCOUNTS FROM MY CONSUMER REPORT IN THE RESOLUTION BOX WITH THE XXXX ACCOUNTS. -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -=TO YOUR COMPANY, I HAVE XXXX ACCOUNTS ON MY CONSUMER REPORT THAT IS SHOWING LATE PAYMENTS IN THE PAYMENT HISTORY. THESE LATE PAYMENTS ARE INACCURATE AND MUST BE UPDATED TO PAID AS AGREED, PAID ON TIME, NEVER LATE. PLEASE UPDATE THESE XXXX ACCOUNTS TO PAID AS AGREED, PAID ON TIME, NEVER LATE IN THE PAYMENT HISTORY.
Consumer complaint received 2024-11-23
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 filing this complaint against XXXX, XXXX, and TransUnion to notify them of fraudulent accounts, inquiries, and inaccurate information appearing on my consumer report. These accounts and data entries were never authorized by me, and their inclusion has caused significant harm. Pursuant to 15 U.S.C. 1681c-2, consumer reporting agencies are required to delete inaccurate or incomplete information upon notification. I am formally disputing the following : Fraudulent Accounts : XXXX XXXX XXXX, Account XXXX, opened XX/XX/XXXX, balance {$11000.00}. 
XXXX XXXX XXXX, Account XXXX, opened XX/XX/XXXX, balance {$640.00}. 
XXXX XXXXXXXX XXXX Account XXXX, opened XX/XX/XXXX, balance {$140.00}. 

Fraudulent Personal Information : Names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These inaccuracies, combined with the fraudulent accounts and inquiries, have caused significant mental, financial, and reputational harm. I have filed an identity theft report ( attached ) as well as CFPB complaints regarding the furnishers of these accounts : XXXX XXXXXXXX XXXX XXXX Complaint Number XXXX. 
XXXX XXXX XXXX : Complaint Number XXXX. 

Requested Actions : I formally request the following : Immediate deletion of all fraudulent accounts listed above from my consumer report. 
Correction or deletion of all inaccurate personal information, including names, addresses, phone numbers, employers, and spouse information, to accurately reflect my identity. 
Correction of all late payments associated with these accounts to " paid on time. '' Removal of all fraudulent inquiries associated with these accounts.

Cease and desist all communication except via mail.

This reporting activity has already caused emotional distress and financial harm. I request compensation for these damages totaling {$15000.00}, broken down as follows : Emotional distress : {$8000.00}

Financial harm : {$5000.00} Statutory damages : {$2000.00} ( estimated at {$1000.00} per error across two errors ). If you comply, I will consider this matter resolved and no further action will be t
aken. If you fail to comply with these demands, I will escalate this matter to federal court and seek higher compensatory damages. All rights reserved without prejudice. Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-10-01
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. (MD)

I've recently received a copy my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. these remarks have been extremely detrimental to my life, credit health and mental health.
Consumer complaint received 2024-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I do not recognize the following accounts, I believe they are the product of identity theft. I have called these creditors and alerted them, going as far as asking for written proof but so far they have denied me. The accounts are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-11-23
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. (SC)

I noticed several unauthorized inquiries on my credit report that I would like removed. 
According to the FCRA these unverified and unauthorized items must be removed. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-10-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (FL)

I am writing to formally dispute the presence of unauthorized and inaccurate accounts and inquiries on my credit report, which I received on [ Date of Credit Report ]. After a careful review, I have identified multiple accounts and credit inquiries that I did not initiate, authorize, or recognize. These entries appear to have been added to my credit report in error or as a result of fraudulent activity.The inclusion of these erroneous items has unfairly impacted my credit score and overall financial standing. This matter is causing significant concern, as my credit history is being unjustly damaged by information that is neither accurate nor reflective of my true financial activities.