davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I noticed mistakes on my credit report regarding 15 USC 1681c-2, with unauthorized inquiries affecting my credit. Please remove all hard inquiries that I didnt authorize. Thanks!
Consumer complaint received 2024-10-22
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. (NJ)

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, been waiting for the credit bureaus response and its really making me XXXX XXXXXXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.
Consumer complaint received 2024-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXXXXXX XXXX XXXX, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXX XXXX  and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts : XXXX XXXX bal. {$9800.00}, XXXX bal. {$10000.00}, XXXX bal. {$17000.00}, XXXX bal. {$8200.00}, XXXX bal. {$4000.00}, XXXX bal. {$0.00}, XXXX bal. {$3400.00}, XXXX bal. {$7700.00}, XXXX XXXX XXXX bal. {$10000.00}, XXXX bal. {$4300.00}, XXXX bal. {$3600.00}.
Consumer complaint received 2024-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NM)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-10-22
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. (IL)

Consumer Name : XXXX XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-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 you receiving this complaint. This fraudulent, inaccurate, and false information consists of an auto loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX with a balance of {$10000.00}. This account has resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO 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 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

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, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.
Consumer complaint received 2024-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Trans Union has refused to investigate items disputed with identity theft as far back as XX/XX/year>. I have requested the Method of Verification by written correspondence repeatedly and have been stonewalled or simply ignored. At this point they have caused significant damage to my credit standing by not complying with the FCRA section 605b by not blocking all items associated with identity the theft after reporting it properly to the authorities. Also, under section 15, U.S.C. 1681n of the Fair Credit Reporting Act, they have committed willful non-compliance.
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I am filing this formal dispute to demand immediate corrective action regarding several issues with my credit report and the mishandling of my accounts. I have been a victim of poor identification practices and fraud, and I expect the CFPB to take urgent measures to address these ongoing violations. 

Fraudulent XXXX  Account : A fraudulent account was opened in my name with XXXX in XXXX under the account number XXXX XXXX XXXX XXXX. I did not authorize this account, and I have repeatedly reported it as fraudulent. This account continues to negatively impact my credit, and no sufficient action has been taken to remove it. 

Valid Account Closure Due to Identification Errors : In XXXX, I opened a legitimate account under the number XXXX XXXX XXXX XXXX, which was wrongfully closed due to identification errors. This needs to be immediately corrected. I demand that proper attention be given to the account numbers to resolve this issue without further mistakes. It is unacceptable that my valid account was closed while fraudulent ones remain unresolved. 

XXXX XXXX Account with Incorrect Address : There is a XXXX XXXX account appearing on my report linked to an address at XXXX XXXX XXXX, XXXX XXXX, XXXX, SC, a place I have never lived. The only correct address where I have resided is XXXX XXXX XXXX, XXXX, SC, and I have been at my current residence since XX/XX/XXXX. I paid the {$67.00} balance on this XXXX XXXX account without fully examining my report, but this was not an account I opened. This fraudulent account must be removed from my credit report immediately. 

Hard Inquiries : All hard inquiries on my credit report must be removed, as I have since frozen my credit reports due to these fraudulent activities. These unauthorized inquiries have further damaged my credit, and their continued presence violates my rights. 

XXXX has repeatedly failed to comply with my requests and continues to allow false information to remain on my credit report. This blatant disregard for accuracy and compliance with the Fair Credit Reporting Act ( FCRA ) is intolerable. I demand immediate corrective action and removal of all fraudulent accounts, incorrect addresses, and unauthorized inquiries. 

I expect this matter to be resolved immediately. Failure to address these issues will result in further escalation, including legal action if necessary. 

Please confirm receipt of this dispute and provide written confirmation of the steps taken to resolve these matters as soon as possible.
Consumer complaint received 2024-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. 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.
Consumer complaint received 2024-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX XXXX XX/XX/year> XXXX/XXXX  XXXX XXXX XXXX XXXX XXXX OH XXXX Dear agency I am writing to formally dispute a late payment reported on my credit file associated with my account number XXXX I have identified several inaccuracies related to this account that I believe violate my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681i ( 5 ). According to these provisions, all information on my credit report must be accurate across all three credit reporting agencies. Since the reported information does not meet this standard, I request that the account be updated to reflect accurate information or, alternatively, that it be removed from my credit report. Moreover, you have violated 15 U.S. Code 1666b - Timing of Payments, as you never sent me a letter 21 days prior to reporting a late payment. By law, I am entitled to update or remove late payments or delete this account from my credit report. Despite my previous attempts to resolve this matter, your agency has continued to verify and update the account without correcting the inaccuracies. Therefore, I must inform you that if my request is not fulfilled within 30-45 days, I will pursue legal action to seek damages of {$1000.00} for each inaccuracy reported on my credit file. Please treat this matter with urgency. I expect a prompt response confirming the deletion of this account from my credit report. Thank you for your immediate attention to this important matter. XXXX XXXX XXXX.
Consumer complaint received 2024-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am writing a complaint against TransUnion regarding the reporting of an inaccurate address on my consumer report.According to the Fair Credit Reporting Act ( FCRA ), consumer reporting agencies are required to ensure the maximum possible accuracy of the information they report. Despite my efforts to dispute this incorrect address, it continues to appear on my credit report, which violates the accuracy requirements stipulated in the FCRA.TransUnion stated that they based their reporting on a USPS change of address form ; however, this form is insufficient evidence to prove the accuracy of the address. A USPS change of address does not confirm that I reside at that address, nor does it provide context regarding my relationship to it.TransUnion didn't even send the document to prove this I filed this form which I never did file any USPS form. The FCRA requires a proper investigation, which includes reaching out to creditors as well as personal contacts such as family, friends, and associates. TransUnion did not conduct such an investigation, failing to verify the accuracy of the address through a comprehensive review of relevant sources.To support my claim, I am including copies of my state ID and a recent bank statement that clearly reflect my accurate address. These documents demonstrate that the address reported by TransUnion is not valid and should be removed from my consumer report. The address that is incorrect is listed on the dispute letter i will attach and is listed on the report I will attach along with the state ID and current bank statement that proves my accurate address.
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I am writing to you again regarding a persistent error on my credit report, in which late payments are inaccurately listed. I have previously filed a dispute concerning this matter, but the response I received was neither satisfactory nor conclusive. Furthermore, I have not been provided with any evidence that this late payment actually belong to me. 
The item in question is a late payment reported by XXXX for the account number XXXXThe late payment is reported a dated XXXX XXXX. I would like to remind you that under the Fair Credit Reporting Act ( FCRA, 15 U.S. Code 1681i ), Transunion are required to thoroughly investigate disputes and correct any inaccurate information. Additionally, under the Truth in Lending Act ( TILA, 15 U.S. Code 1637 ( b ) ), creditors must ensure that information about the terms of credit, including payments, is accurate and correctly reflected. 
Moreover, under 15 U.S. Code 1681s-2, furnishers of information are obligated to ensure that the data they report to credit agencies is accurate. The incorrect late payments should be removed from my credit report, as I have no evidence indicating that these payments actually correspond to my account. 
Therefore, in accordance with the laws mentioned, I demand the following : A new and thorough investigation of the late payments on my credit report, followed by correction of any inaccuracies. 
The immediate removal of any late payment entries that are incorrect or unjustified. 
The provision of verifiable evidence proving that these late payments belong to me, should they not be removed from my report.
Consumer complaint received 2024-08-25
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. (VA)

The following inquiries are unauthorized or inaccurate, and l ask that you delete them please and thank, Inquiry from XXXX on XX/XX/XXXX I don't recognize this lender and I don't remember authorizing them to perform a hard inquiry on my credit report. 

XXXX from XXXX XXXX on XX/XX/XXXX I don't recognize this lender and I don't remember authorizing them to perform a hard inquiry on my credit report. 

XXXX from XXXX on XX/XX/XXXX I don't recognize this lender and I don't remember authorizing them to perform a hard inquiry on my credit report. 

XXXX from XXXX on XX/XX/XXXX I don't recognize this lender and I don't remember authorizing them to perform a hard inquiry on my credit report. 

Inquiry from XXXX XXXX on XX/XX/XXXX I don't recognize this lender and I don't remember authorizing them to perform a hard inquiry on my credit report. 

XXXX from XXXX XXXX on XX/XX/XXXX I don't recognize this lender and I don't remember authorizing them to perform a hard inquiry on my credit report. 

Inquiry from XXXX XXXX on XX/XX/XXXX I don't recognize this lender and I don't remember authorizing them to perform a hard inquiry on my credit report. 

Inquiry from XXXX XXXX on XX/XX/XXXX I don't recognize this lender and I don't remember authorizing them to perform a hard inquiry on my credit report.
Consumer complaint received 2016-02-09
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: JPMORGAN CHASE & CO. (NY)

While traveling in XXXX, I intended to make a purchase from a local merchant. During the transaction, I noticed the merchant charged me for items I specifically refused to purchase. Indeed, I denied him several times until he stopped trying to sell them to me, saying " Okay, okay. Just the {$270.00} '' ( for XXXX shirts I was buying ). I caught him trying to pull this " fast one, '' charging me {$310.00}, by stating the sale was for the {$270.00} charging the increased amount and hoping I would not notice. I cancelled the sale, did not sign and reported the incident to Chase. I noted this was fraud and it might continue so I also requested a hold put on my credit card. Two weeks later when I returned to the US, I found Chase processed this charge I reported as a fraud and I was now financially responsible. 
I called to report it again and inquire why I was charged. I was given a lot of vague excuses and told they could not do anything about the charge. It would stand on my account and I would continue to be responsible - after twice informing them it was fraudulent. I was asked to call back a third time, during EST day-time hours! 
When I returned the call to a supervisor, they again refused to remove it, saying I should dispute the charge, one that should never have been placed and one I asked to prosecute as fraud as the merchant was clearly deceptive and criminal in his actions and should be reviewed thoroughly before being allowed to process cards freely, something I would gamble he has abused often to the cost of other Chase/Visa customers. 
I spoke with a supervisor who also advised me the charge would stay on my account and then defended the merchant without even knowing them, condoning their frauds and confirming their ability to further defraud other Americans or other foreigners in the future. 
As of today, I have called them three times, including the first notice of fraud. The charge is still on my account and the merchant still has carte blanche to abuse the next non-suspecting American to be abused in XXXX while Chase deliberately ignores these frauds, even supporting them according to the accounts supervisor I last spoke with at Chase. 
Relevant info : Merchant : XXXX XXXX, XXXX, XXXX, charge on XXXX ; {$310.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Chase CC # XXXX
Consumer complaint received 2024-10-22
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)

Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these accounts are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the banks directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

Please DELETE the accounts, or inaccurate information, from my file immediately XXXX  XXXX XXXX XXXX, XXXX XXXX  XXXX
Consumer complaint received 2024-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

In accordance with the tair credit reporting act. The list of accounts below has violated my protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX 15 U.S. C 1681 section 602 A. States I have right to privacy 15 U.S.C.

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 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 that 7 years.

15 U.S.C. 16815-2 ( 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 the information is accurate.
Consumer complaint received 2024-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Ive been trying to communicate my concerns regarding the inaccuracies on my credit report for months now but to no avail, this is an issue that I want to be addressed and this complaint is obviously not a mistake or sent in error. These are challenging times and the circumstances are not in my favor, the burdens keep piling up which continuously impacts my life negatively, having these inaccuracies corrected or removed from my credit report will be immensely helpful.
Consumer complaint received 2024-08-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (OH)

I have reached out to XXXXXXXX XXXX card several times stating that they have violated several of my consumer rights. The have violated my right to privacy. I never given anyone my written permission to obtain my personal information to share with no third party, As well as the law states that transactions ' and experiences are excluded from a consumer reports. XXXX XXXX  has committed aggravated identity theft, I will pursue legal remedies. Please remove these late payments immediately. I'm aware of my rights as well as the penalties if this issues isn't resolved.