davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-11-21
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. (SC)

" The Fair Credit Reporting Act ( XXXX XXXX Code XXXX ) says ( XXXX ) 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 XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX XXXX. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under XXXX XXXX XXXX XXXX, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them "
Consumer complaint received 2024-11-21
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. (KY)

I sent disputes in about XXXX accounts earlier. ( XXXX XXXX and XXXX XXXX ) These accounts are inaccurate and must be deleted from my consumer report. The dates are not accurate. Delete these accounts. -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- I also have an account reporting on my consumer report showing a late payment in the payment history. ( The account is XXXX XXXX  ) ( I have always made all my payments on time ) ( This late payment is inaccurate and should be reporting as paid on time, paid as agreed or never late. Please update this account for XX/XX/year> to on time, never late, paid as agreed )
Consumer complaint received 2024-11-21
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)

In XXXX of XXXX  an inquiry was put in my TransUnion report from XXXX XXXX. I never applied for a credit card from this company and would like it removed
Consumer complaint received 2024-11-21
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)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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. 

Account Name : XXXXXXXX XXXX XXXX  # XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Consumer complaint received 2024-11-21
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. (IN)

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, XXXX, XXXX 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 you receiving this complaint. This fraudulent, inaccurate, and false information consists of a Accounts : XXXX XXXX Account # XXXX date opened XX/XX/XXXX Ba ; XXXX {$0.00}, XXXX XXXX Account # XXXX XXXX XXXX XXXX XX/XX/XXXX Bal. {$0.00}, XXXX Account # : XXXX date opened XX/XX/XXXX Bal. {$71.00}, XXXX Account # XXXX date opened XX/XX/XXXX Bal. {$0.00}, XXXX Account # : XXXX date opened XX/XX/XXXX Bal. {$120.00}, XXXX XXXX XXXX Account # XXXX Date opened XX/XX/XXXX Bal. {$190.00} XXXX XXXX Account # XXXX date opened XX/XX/XXXX Bal. {$260.00}, XXXXXXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XX/XX/XXXX Bal. {$280.00}, the XXXX XXXX XXXX Account # XXXX date XXXX XX/XX/XXXX XXXX {$340.00}, XXXX XXXX XXXX Account # XXXX XX/XX/XXXX Bal. {$430.00}, XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX Bal. {$480.00}, XXXX XXXX XXXX Account XXXX XXXX date opened XX/XX/XXXX bal. {$490.00}, XXXX XXXX XXXX Account # XXXX XXXX XXXX XX/XX/XXXX Bal. {$650.00}, XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX XXXX {$1500.00}, XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$4200.00} XXXX XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX Bal. {$5200.00}, XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX Bal. {$21000.00}, XXXX XXXX  Account # XXXX date opened XX/XX/XXXX Bal. {$41000.00}, XXXX  XXXX XXXX # XXXX date opened XX/XX/XXXX Bal. {$41000.00}. 
These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of 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, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2024-11-21
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. (TX)

These inquires listed below are fraud. They should be removed from credit report ASAP. 

Inquiry details XXXX XXXX ( Auto ) XX/XX/year>XXXX XXXX XXXX ( Finance ) XX/XX/year> XXXX XXXX XXXX  ( Finance ) XX/XX/year>XXXX XXXX XXXX ( Finance ) XX/XX/year> XXXXXXXX ( Bank ) XXXXXX/XX/year> XXXX XXXX ( Finance ) XX/XX/year> XXXX XXXX ( Finance ) XX/XX/year> XXXX ( Finance ) XX/XX/year>XXXX XXXX XXXX ( Finance ) XX/XX/year> XXXX XXXX XXXX XXXX XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 2024
Consumer complaint received 2024-11-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

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 XXXXXXXX XXXX XXXX 
To following information on my credit report is the result of identity theft and should be blocked : 1.XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX  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 this fraudulent account in my report and TRANSUNION 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 XXXX XXXX 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
Consumer complaint received 2024-11-21
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. (LA)

I am writing to formally request the immediate blocking and deletion of fraudulent accounts and inquiries listed below from my credit report. As a victim of a data breach, these accounts were opened or accessed without my authorization, and I am requesting their removal in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). 
Fraudulent Accounts 1. CREDENCE RM ( Account Number : XXXX, Open Date : XX/XX/XXXX, XXXX : {$370.00} ) XXXX. XXXX ( Account Number : XXXX, Open Date : XX/XX/XXXX, Balance : {$190.00} ) Fraudulent Inquiries 1. XXXX  ( Date : XX/XX/XXXX ) 2. XXXX  ( Date : XX/XX/XXXX ) 3. XXXX XXXX XXXX ( Date : XX/XX/XXXX ) 4. XXXX XXXX XXXX ( Date : XX/XX/XXXX ) 5. XXXXXXXX XXXX XXXX XXXX ( Date : XX/XX/XXXX ) 6. XXXX ( Date : XX/XX/XXXX ) 7. XXXX ( Date : XX/XX/XXXX ) 8. XXXX  ( Date : XX/XX/XXXX ) 9. XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX ) 10. XXXX XXXX ( Date : XX/XX/XXXX ) 11. XXXXXXXX XXXX XXXX ( Date : XX/XX/XXXX ) 12. XXXX  ( Date : XX/XX/XXXX ) 13. XXXX ( Date : XX/XX/XXXX ) 14. XXXX XXXX ( Date : XX/XX/XXXX ) 15. XXXX XXXXXXXX ( Date : XX/XX/XXXX ) 16. XXXX XXXX  ( Date : XX/XX/XXXX ) 17. XXXX ( Date : XX/XX/XXXX ) 18. XXXX  ( Date : XX/XX/XXXX ) 19. XXXX XXXX  ( Date : XX/XX/XXXX ) 20. XXXX XXXX ( Date : XX/XX/XXXX ) 21. XXXX XXXX ( Date : XX/XX/XXXX )
Consumer complaint received 2024-11-21
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. (VA)

I previously filed a formal complaint with the Federal Trade Commission ( FTC ) regarding unauthorized inquiries on my credit report. The reference number for that complaint is FTC Complaint Number XXXX, filed on FTC Complaint Date XX/XX/XXXX. 
Details of Disputed Inquiries : XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Legal Grounds ( Fair Credit Reporting Act, FCRA ) : XXXX. Permissible Purposes : According to Section 604, unauthorized inquiries do not meet the permissible purpose requirements. 
XXXX. Handling Unverifiable Information : Under Section 611, inquiries that can not be verified must be deleted. 
XXXX. Right of Verification : Section 609 grants me the right to verify each inquiry with an original signed contract. 
XXXX. Information Provider Responsibility : Section 623 requires reported data to be accurate and authorized. 
XXXX. Protection Against Identity Theft : Section 605A mandates the removal of unauthorized inquiries that may be related to identity theft. 
Additional Legal Support : The cases XXXX XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX, XXXX ( XXXX ) reinforce that inquiries must comply with the FCRA 's permissible purposes. 

Formal Request : I am formally requesting a thorough and manual investigation of the disputed inquiries and their removal if there is no verifiable documentation. I reserve the right to take legal action and file an additional complaint with the CFPB and my state 's Attorney General. 
XXXX XXXX XXXX XXXX
Consumer complaint received 2024-11-21
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. (NC)

Subject : Immediate Action Required Demand for Verification Process Details To whom it may concern, I am demanding immediate clarification regarding the method of verification your bureau uses to confirm the accuracy of disputed items on my credit report.

Under the Fair Credit Reporting Act ( FCRA ), I have the right to know exactly how disputed items are verified. I expect you to provide me with complete transparency about the following : The exact process or method your bureau uses to verify disputed items.

The identity of the entity/entities responsible for carrying out this verification. 
Any documentation or evidence used to support the accuracy of the disputed items. 
I am fully aware of my rights under the FCRA, and I expect full compliance with this request. If you can not provide verifiable proof for these items, I demand they be removed or corrected immediately.
Consumer complaint received 2024-11-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

As a result of a data breach, my personal information was compromised, leading to unauthorized accounts and credit inquiries being added to my credit report without my knowledge or consent. These accounts and inquiries were not initiated by me, yet they persistently appear on my report, negatively impacting my credit profile. Despite my efforts to address these inaccuracies, they continue to be reflected, raising serious concerns about the security of my personal information and the integrity of my credit report. I request that you investigate and remove the following items : PERSONAL INFORMATION : Also Known As : XXXX, XXXX, L Also Known As : XXXX XXXX XXXX Former : XXXX XXXX COLLECTION/CHARGE OFF : XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXXXXXX XX/XX/XXXX {$0.00} INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-11-21
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. (SC)

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 2024-11-21
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. (GA)

I am writing to formally dispute a debt listed on my credit report. The debt in question is being reported by [ US Department of Treasury ], and I am requesting validation of this debt as provided under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ).

Please provide the following information to verify this debt : 1. The amount of the debt.

2. The name of the creditor to whom the debt is owed.

3. The date the debt was incurred.

4. Documentation verifying that I am legally responsible for the debt.

5. Proof that the debt has been properly assigned or transferred to the collection agency, if applicable.

6. A copy of the original contract or agreement ( if available ).

Please note that under the law, the collection agency must provide this information before it can continue reporting this debt on my credit report. Until such validation is received, I ask that you mark this item as " disputed '' on my credit report. 
If this debt is not validated or removed from my credit report, I will have no choice but to escalate this matter further with the appropriate regulatory agencies. 
Please acknowledge receipt of this letter and confirm that the necessary actions are being taken. I look forward to your prompt response. 
Sincerely, [ XXXX XXXX XXXX
Consumer complaint received 2024-08-23
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (IN)

We received written notification of a new {$1.00} " Paper statement fee '' last week XXXX. We then received our XXXX paper statement on XXXX. On that statement we saw that we had already been charged not only the {$1.00} paper statement fee but also a {$30.00} Late Payment fee and a {$2.00} minimum interest fee for a total of. 

Our payment due date was XXXX our correct and prescheduled payment of {$130.00} was processed ahead of schedule on XXXX. All of these fees were charged AFTER that and PRIOR to our notification of the new fee and our subsequent ability to register for the free online statement delivery. 

We called Customer service but they were closed and the line simply went dead.
Consumer complaint received 2024-11-21
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. (CT)

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 2024-11-21
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. (TX)

I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.
Consumer complaint received 2024-11-21
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. (TX)

" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"
Consumer complaint received 2024-11-21
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. (SC)

I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant XXXX, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.