davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-26
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, 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 that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : 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 2024-10-23
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. (WI)

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, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2024-08-26
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)

On XX/XX/XXXX, I submitted a complaint about some accounts that are not accurate on my consumer report. According to the fair credit reporting act, whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. Also according to the fair credit reporting act, any verified account must have proof of verification sent to the consumer. Transunion has failed to provide the proof of verificaiton and mark the accounts as verified. These accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are not complete and accurate nor has proof of verification has been sent to me. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 15 U.S.C 1681 section 602 A : states I have the right to privacy. 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. According to 15 USC 1681i 5 this is what is suppose to happen : ( 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. And according to this law they are suppose to provide me a description of the investigation according to 15 USC 1681i ( 7 ) : ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. But they did not do that as well either. and according to 15 USC 1681s-2 they are suppose to 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 2024-10-23
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. (AL)

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 : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$200.00} XXXX - XXXX - XX/XX/XXXX - {$1000.00} XXXX - XXXX - XX/XX/XXXX - {$15000.00} XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$00.00} INQUIRIES : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Consumer complaint received 2024-08-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (SC)

As a federally protected consumer I am requesting the CFPB XXXX this dispute regarding the credit reporting agencies XXXX, Equifax, XXXX and the company XXXX XXXX XXXX. There is a need to ensure that the consumer reporting agencies exercise their grave responsibilities with fairness impartiality and respect for the consumer rights to privacy. 15 U.S Code 1681b permissible purpose of consumer reports. 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. 15 US code 1681c requirements relating to information contained in the consumer report. Any other adverse item of information other then records of convictions of crimes which antedates the report by more the 7 years should not be on the consumer credit report. By violating section 1681 b permissible purpose and 1681 c information contained in consumer report, credit reporting agencies seems to be in direct violation of compliance procedures under title 15 U.S Code 1681 ( e ) Compliance procedures.

For willful noncompliance results are civil liability {$1000.00} per violation according to 15 U.S Code 1681 ( n ) and 15 U.S Code 1681 ( o ). This account is adverse and causing extreme harm.

This Notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. The Federal Trade Commission ( FTC ) and the Consumer Financial Protection Bureau ( CFPB ) will be notified regarding this dispute and investigation.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I need your help with this false account appearing on my credit report. It has damaged my reputation as a customer, and I am seeking your assistance. These accounts need to be taken off as they are reported inaccurately and reflect poorly.
Consumer complaint received 2015-09-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (CA)

There are several discrepancies are my credit report I 've spoken with more than several people at each of the CRA 'S and they will not correct my credit report in the way its supposed to read on toward the public. XXXX of the account in Equifax XXXX XXXX XXXX continues to read PAYS AS AGREED and the account has been PAID and CLOSED that 's the way the account is supposed to read also XXXX has stated that they do n't report account as PAYS AS AGREED only as CLOSED and PAID when and if necessary. 
Ihave documentation from XXXX stating these facts and have sent it to them and no change in my credit report. Also I only have XXXX negative account from a {$200.00} credit card that 's CLOSED and PAID at this time and when I paid the account the account went into good standing with all CRA 'S although it still reports as a negative on credit report for seven years and I understand that but also in the scoring module its a positive factor to close and pay an account and it gives you a higher score rating for the closure of the account whether it was good or bad and again I have not received any points in the positive.There are several more discrepancies but one thing can be done and that 's to update my credit report by hitting ENTER on the keyboard after highlighting an account in the correct areas like the STATUS or BALANCE even though it might say XXXX hitting the ENTER key after highlighting the account will update my credit report and score correctly. 
I have a good credit report and my score is much too low it should be much higher please help with these issues and help correct my credit score.
Consumer complaint received 2024-08-26
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)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please remove these files. 
XXXX XXXX XXXX XXXX XXXX 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 2024-10-23
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 carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am filing this FTC Identity Theft to report separate 4 fraudulent accounts appearing on my consumer FICO credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a XXXX opened at XXXX XXXX on XX/XX/XXXX CREDITCARDS opened at XXXX on XX/XX/XXXXXXXX XXXX opened at XXXX  XXXX XXXX {$0.00} on XX/XX/XXXX XXXX  opened at XXXX XXXX {$180.00} on XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that akk collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.
Consumer complaint received 2024-08-24
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. (VA)

XXXX XXXX violated LA

W 25 USC 68016802 AND 6803 Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. Law 15 USC 6802 states that NON PUBLIC INFORMATION can not be shared by a financial to a THIRD PARTY ENTITY. ( THE CREDIT AGENCIES ) According to FCRA Section 605 B, It is illegal to report informTION ON MY CREDIT REPORT WITHOUT MY PERMISSION. Please REMOVE THE LATES FROM ALL THREE CREDIT REPORTS IMMEDIATELY. Thank you!
Consumer complaint received 2024-10-23
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. (TX)

I am writing regarding unauthorized accounts on my consumer report that are linked to identity theft. These accounts were added without my written authorization or wet signature. Despite my previous communication with your organization, these fraudulent items remain on my report. 

The continued presence of these unauthorized accounts has caused me significant emotional and financial distress. These items inaccurately represent my credit history and have severely impacted my ability to achieve critical financial goals, including purchasing a home and meeting my family 's financial needs.
Consumer complaint received 2015-07-14
Product: Debt collection — Non-federal student loan
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC. (NY)

My daughter has made payment arrangements with Navient for student loans on which I am the co-signer. The arrangements are in effect yet they persistently call several times per day even on Saturdays and Sundays!! They called on XXXX occassions when my daughter was at home and she spoke to them about the arrangements that were made and asked that the stop calling.
Consumer complaint received 2024-10-23
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. (PA)

I do not have permission to authorize or benefit from the account described below. They must be stopped and demolished. Please remove all phony and erroneous accounts from my consumer report that i am unaware of as a result of the XXXX, Transunion and XXXX data breaches and identity theft. These papers must be frozen immediately until the inquiry is completed, according to FCRA section 605B.
Consumer complaint received 2024-10-23
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)

I have submitted multiple disputes. I have requested documentation according to 1666b billing error. It has not been provided. I have also requested methods of validation. Please ensure the credit bureaus investigate my disputes. I have attached them to this complaint.
Consumer complaint received 2015-07-09
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: DataMax Corporation (NJ)

I have a rental property in XXXX that was empty for a short period of time in XXXX 2015. The utilities were supposed to never be transferred in my name ( due to an incoming tenant ) but apparently were because XXXX XXXX billed utilities to my account. XXXX XXXX has both my phone number, email, and address but I received no calls, no emails, no letters at my address in XXXX and the tenants have stated they received no letters for bills or collection notices in my name. 

On XXXX XXXX, a derogatory remark hit my credit. I called within the hour to XXXX, who directed me to the debt collection agency. I still have not verified the debt is valid ; however, given that despite having my phone number, email, XXXX and XXXX address -- - and no notification being received on my behalf, I would pay a legitimate debt owed within the hour of notification, but I need the derogatory remark removed since I was never informed of this debt. 

The debt collection agency claims they mailed letters to my XXXX address ( however, both my tenants have affirmed they never received any mail in my name ), and I even pointed out they had my email and phone number and could have contacted me. They did not care, claimed that regardless what I said or what I did, they put a letter in the mail and they would not be removing it from my credit report. 

I have never even paid late on a single bill that I have been notified of, let alone had something like this happened. If XXXX XXXX or the collection agency had conducted any level of due diligence into proper notification ( utilizing email, phone #, multiple addresses ), and notified me that I owed them money and why this would have been paid and settled within hours. 

This should not be on my credit nor remain on my credit report as a derogatory remark given the circumstances ; however, the collection agency has notified me that regardless what evidence, what information I provide, or what I can prove they will not remove it from my credit. 
The company 's phone number is ( XXXX ) XXXX, the lady that I 've mostly spoken with is XXXX.
Consumer complaint received 2017-01-11
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: HW Holding, Inc (GA)

I recieved a called from Hunter Warfield claim to be a collection Company. Said that i had i had a debt with XXXX XXXX for XXXX. Guy was very rude never identify me with the particular debt or even said is this your account or not just began talking. Told him thats not my account. I want to dispute it. Told me i couldnt dispute it. They continually call my phone at XXXX at night. Their not following correct procedure on collection.
Consumer complaint received 2024-10-23
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. (TX)

I want to file a complaint with the three credit bureaus regarding the inaccurate items on my credit report. I am requesting that all negative items be removed and corrected. It is important that this complaint reaches them, and that they take immediate action. If they do not respond, I will pursue legal action for the damage they have caused in my life. Attached are the letters, my ID, and other identification for your review.
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

Dear Sir/Madam, I am writing to dispute inaccurate and damaging information that has been reported on my credit report by XXXX XXXX  XXXX According to my records, a late payment was reported for my account number XXXX in XX/XX/2024. This information is incorrect and negatively affects my credit score. I have attempted to resolve this matter with both your department and the credit bureaus without success. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c, you are required to provide accurate and verified information on my credit report. To date, I have not received an adequate response or verification of this information. 

Therefore, I request that you immediately remove the reference to the XX/XX/2024 late payment from my credit report. I further request that you notify the credit bureaus ( XXXX, XXXX and TransUnion ) of the removal of this incorrect information. 

Please confirm in writing the removal of this information from my file within 30 days of receipt of this letter, otherwise I will be forced to consider legal action to protect my rights under the FCRA. 

I appreciate your prompt attention to this matter. 

Sincerely,
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: EQUIFAX, INC. (NY)

I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items. 

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.
Consumer complaint received 2017-06-28
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: EQUIFAX, INC. (GA)

XXXX   XXXX   XXXX , I am disputing this eviction because it is wrongfully placed on my credit.   I have been staying in the home with my father for some months, and we have the same name ( I am a  XXXX   ). F or some reason there was an eviction placed on my credit report and I have no legal ties to the home.
Consumer complaint received 2024-08-28
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. (IL)

I have recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.