davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I am writing to formally request the immediate blocking and deletion of fraudulent accounts and inquiries listed below from my credit report, pursuant to 15 USC 1681c-2 ( a ) and the Fair Credit Reporting Act ( FCRA ) 605 ( b ). As a victim of a recent data breach, I have confirmed that I did not open these accounts, nor did I authorize these inquiries. I kindly ask that these accounts and inquiries be expeditiously removed from my credit report. 
Fraudulent Accounts Please block and delete the following accounts from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-04-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

XXXX, XXXX offers a credit card, the XXXX XXXX, which is issued by XXXX XXXX. One can apply for the XXXX XXXX from the XXXX app on their XXXX, which I have done more than once. My application has been denied each time XXXX most recently today, XX/XX/XXXX ), and each time I have received an email explaining the reason for the decision. In every email, the reason is " You have recently been past due, '' and my credit score is displayed as XXXX ; each email states that the score was obtained from TransUnion and provides a phone number to call TransUnion with questions. 

Every time I receive this email, the same information is displayed ; I will attach a copy of the most recent email I received regarding the decision made by XXXX XXXX based off the information they received from TransUnion on XX/XX/XXXX, which I am attesting is inaccurate. At the time of this writing, I am currently and have been on hold with TransUnion for over eight hours cumulative, and my credit score -- as reported for free through the XXXX XXXX app and provided by TransUnion -- is XXXX ( a screenshot will be attached ). I have not been late on any non-medical payments in two years, which is reflected in my XXXX XXXX app ( I have also attached screenshots to support this ), and the XXXX credit score lines up with my credit history from approximately two years ago -- I have access to free copies of my credit report through XXXX XXXX going as far back as XXXX, and although I haven't always used XXXX XXXX as frequently as I do now, there's a score of XXXX around the time I imagine this score of XXXX might fit. 

I called TransUnion earlier today ( XX/XX/XXXX ) using the phone number provided in the email I received. I waited on hold for an hour and explained my situation to the representative who took my call. She stated she could sell me a copy of my credit report for {$9.00}, but for my security she couldn't give me any information over the phone. When I expressed disappointment, she stopped speaking to me for at least two minutes. When I asked her how she expected the call to end because I had no intention of hanging up, she hung up on me. I called back from the same phone number ( my personal mobile phone number ) and waited for another hour, asked for a supervisor, and have since been waiting for over seven hours with no answer and no further guidance. I know that currently, due to COVID-19, they are operating under alternate hours, and they " close '' at XXXX Eastern ; I live in Arizona, so at the time of this writing it is XXXX XXXX  Arizona time and they are closed, but I am still waiting on hold. I will continue to wait as long as I must to get an answer, or until the call disconnects, because I need guidance regarding why my credit score is being reported by one company, TransUnion, to two different companies as two different scores.
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I am filing a complaint against XXXX XXXX XXXX  and XXXX XXXX XXXX regarding an account ending in XXXX with a balance of {$1500.00} that was sold to XXXX XXXX XXXX, as confirmed by XXXX XXXX XXXX  on XX/XX/year>. Despite this sale, XXXX XXXX XXXX  tradeline remains on my credit report as a charge-off, which inaccurately reflects my financial obligations and negatively impacts my credit score. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to an accurate credit report, and as XXXX XXXX XXXX  no longer owns the debt, I am requesting that the CFPB intervene to have this tradeline removed entirely. XXXX XXXX XXXX has also failed to verify the debt adequately under the Fair Debt Collection Practices Act ( FDCPA ), further supporting the need for complete removal. Thank you for your attention to this matter
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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




XXXX XXXX XXXX XXXX # XXXX UNAUTHORIZED INQUIRIES : TransUnion XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX, XXXX & TransUnion have an incorrect address list for and its XXXX XXXX XXXX, Apt XXXX, XXXX GA XXXX. This address is not associated with me more has it ever been, Ive never used or listed this to be my address and my address is XXXX Colorado XXXX XXXX XXXX GA XXXX.
Consumer complaint received 2019-08-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS (GA)

I just found out that my identity had been stolen, in effort to clear my name I want to report that accounts had been opened in my name without my knowledge. I am requesting for these accounts to be removed from my credit report intermediately.
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am writing to formally request the blocking and deletion of the following accounts and inquiries from my credit report. As a victim of a recent data breach, I believe these accounts and inquiries may be linked to unauthorized activity, and I am exercising my rights under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ) to protect my credit information from potential fraud. 
Accounts to Be Blocked and Deleted : XXXX XXXX - XXXX - XX/XX/XXXX - {$870.00} XXXX XXXX XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} Inquiries to Be Blocked and Deleted : XXXX XXXX XXXXXXXX - XX/XX/XXXXXXXX XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

My account with EQUIFAX XXXX XXXX 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 purpo
se, 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. 


EQUIFAX XXXX XXXX Never Sent the periodic statement along with the disclosures from section XXXX ( 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 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I recently was able to access my credit report for Equifax and noticed there were accounts in my name that I never authorized to open along with addresses that I never lived before. I am requesting that these items gets removed completely from my report.
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.
Consumer complaint received 2024-10-24
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: EQUIFAX, INC. (GA)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.
Consumer complaint received 2024-11-20
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ProCollect, Inc. (TX)

Hello, I have made multiple complaints to Procollect, who is the company in question, regarding the wrong debt amount. I have made calls to speak with the manager and sent emails regarding a breakdown of this ledger and where is this amount coming from as it is reporting incorrectly on my credit report but nothing has been done and I have yet to receive any update from this company.
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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 XXXX XXXX XXXX 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 2024-01-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

This debt was charged off on XX/XX/2019 there have not been a 1099c sent to me for this debt if its charged off. That is tax fraud and identity theft. Under law this income should have been reported on a 1099c and I have not received it in the mail. You are liable to pay a penalty if that has not been sent. This debt should not be reporting on the 3 credit agencies.
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : Credit Inquirie : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : Collection : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Late Payment : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Personal Information : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX PREVIOUS ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ALSO KNOWN AS : XXXX XXXX XXXX EMPLOYER : XXXX XXXX. 
EMPLOYER : XXXX NAME : XXXX XXXX XXXX Inquiries : XXXX XXXX XXXX XXXX XX/XX/XXXX SAFE XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

I have previously contacted the credit reporting agency regarding this account and requested that they provide documentation verifying my agreement or any information that links me to the debt. Despite my efforts, they have been unable to furnish the necessary documentation. 

This bad accounts are causing unexpected complications for me, particularly in my ability to apply for new credit. Initially, I believed there XXXX have been some confusion with my mortgage company, but I have now learned that the issue relates to a credit reporting agency that I had not previously heard of. 

They are not even abiding by what I learn is the Fair Credit Reporting Act, which ask this agency to remove items from a consumer 's report if they are unable to verify the accuracy of the information. Given the lack of verification provided, I respectfully request your assistance in ensuring that these accounts are removed from my credit report. 

This matter is urgent, as the presence of this unverified account is creating financial challenges that I did not anticipate. I would greatly appreciate any help or guidance the CFPB can provide to resolve this issue.
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

RE : Late Payment Improperly Reported- I XXXX XXXX have a RIGHT TO PRIVACY under 15 USC 1681A ( 4 ) as a federally protected consumer and I know my rights presented under the Fair Credit Reporting Act clearly outlined within 15 USC 1681. 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 and 15 USC 1681o, which allows for {$1000.00} per violation, for account listed without my expressed written consent. I was reviewing my consumer reports and noticed XXXX XXXX XXXX XXXX XXXX XXXXXXXX on my credit report that need be immediately updated to paid as agreed. My Consumer rights have been violated by XXXX, XXXX, XXXX. Experian, XXXX, XXXX has violated my consumer rights and violated federal law. This is now multiple attempts to notify you of this erroneous error on the part of your agency. This erroneous late payment is affecting my ability to obtain a loan to save my business from crumbling and also blocking me from the housing that I so desperately need for myself and my family. Please change this to paid as agreed immediately so that I may proceed with my life, or I may be forced to seek legal damages against your agency as I already have sought legal counsel in this more than important matter. Thank you.
Consumer complaint received 2024-10-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

My accounts with XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXere never late! I have had exceptional payment history witH XXXX XXXX and 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 reported in ( MONTHS REPORTING LATE ) to be removed. 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. XXXX XXXX, XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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! Delete the late payments from my consumer reports