davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-17
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. (MS)

Upon reviewing my credit report, I found errors linked to 15 USC 16c-2. The inquiries shown were not authorized by me and are affecting my credit score. Please remove all unauthorized hard inquiries. Thank you!
Consumer complaint received 2024-10-17
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. (NV)

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 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 personal cell phone account opened at XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ), and a collections account opened at XXXX XXXX  XXXX on XX/XX/XXXX with a balance of $ ( XXXX ) that appears related to the aforementioned personal cell phone account opened at XXXX. These accounts have 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 fraudulent inquiries : XXXX XXXX
Consumer complaint received 2024-10-17
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. (GA)

Request to Block Information Due to Identity Theft under the FCRA I am writing to formally notify you that I have been the victim of identity theft, which has resulted in inaccurate or fraudulent information appearing on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), specifically Section 605B ( 15 U.S.C. 1681c-2 ), I am requesting that you block this information from my credit file without delay. 

The relevant portion of the FCRA mandates that credit reporting agencies block the reporting of any information that the consumer identifies as resulting from identity theft within XXXX business days of receiving : 1. A valid identity theft report ; 2. The identification of the fraudulent information on the credit report ; 3. A statement from the consumer indicating that the information does not relate to any transaction they made. 



I am confident you will act promptly in accordance with Section 605B of the FCRA to block this information from my credit report. Please send a written confirmation once the information has been blocked. 

Thank you for your prompt attention to this matter.
Consumer complaint received 2024-10-17
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)

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 2023-12-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services (CA)

XXXX This is the complaint i originally submitted to CFPB. 

I called XXXX on XX/XX/XXXXXXXX  to complain about my student loan balance. They showed a principal of {$12000.00} in loan XXXX. I explained I had taken out a balance of {$20000.00}. I asked if I could pay it in full at that date. EdFinancial looked at my loans and told me that loan balance was {$12000.00}. I requested a loan balance confirmation. I was told I could get one, and the operator told me that if the remaining loan balance was not showing I should let it go. I requested a loan balance confirmation which I received on XX/XX/XXXXXXXX  showing I only owed {$12000.00}. By XX/XX/XXXX I paid my loans in full, I paid XXXX before that date. I received a paid in full notice, which is reflected on the website. I had paid off all student loans in full. As of XX/XX/XXXX I received a notice that my grace period has ended. I looked at the notice and saw I had the {$8200.00} in my account, with the interest backdated and accruing. I was unable to pay off this principal and the interest for months. I had received a notice that I had paid my loans in full. On their website, they rescinded my paid in full letter for loan XXXX.
Consumer complaint received 2024-10-17
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. (GA)

Request for Removal of Fraudulent Accounts and Address Update under FCRA Section 605 I am writing to formally request the removal of fraudulent accounts from my credit report in accordance with Section 605B of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c-2, which provides for the blocking and permanent removal of information resulting from identity theft. Additionally, I am requesting that my current address be updated in your records.

I have recently become aware that the following accounts were opened fraudulently in my name due to identity theft. Please investigate these accounts and remove them from my credit file : Under Section 605B of the FCRA, credit reporting agencies must block this information within four business days of receiving : 1. A valid identity theft report ; 2. The identification of the fraudulent information ; 3. A statement from the consumer indicating the information does not pertain to them.

To assist in your investigation, I am enclosing the following documents : 1. Copy of my Identity Theft Report filed with FTC 2. Copy of a government-issued photo ID Additionally, please update your records to reflect my correct address : New Address : XXXX XXXX  XXXX XXXX XXXX Ga XXXX
Consumer complaint received 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Ive we e 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.
Consumer complaint received 2024-10-17
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 want to emphasize that I did not authorize the opening of these accounts, and I suspect fraudulent activity. I urge you to thoroughly investigate these accounts and promptly remove them from my credit report. I have provided supporting documents to substantiate my claims. Your prompt action in resolving this matter is greatly appreciated.
Consumer complaint received 2024-10-18
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. (AZ)

I recently reviewed a copy of my credit report and noticed i had fraudulent account on my report.Please remove these accounts from my report, they are hurting my ability to obtain credit : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-12
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

This is a dispute involving Capital One and XXXX. 
Capital One in a letter, dated XX/XX/2023, notified us that the XXXX has responded and Capital One has accepted their explanation resulting in reversal of charges. I am objecting to the decision made by Capital One to close this case. Capital Ones decision was one-sided and is contrarily to the rules of evidence and has failed to request any documents from me in the course of its investigation. 
XXXX has {$6900.00} charged us for a rental property which we cancelled with their authorization and written consent. Now XXXX is refusing to refund us the {$6900.00} and Capital One has revered the charges without proper investigation and considering the evidence. We have communicated with XXXX and Capital One to no avail.
Consumer complaint received 2020-09-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

How are you? Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher. 

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.
Consumer complaint received 2023-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NJ)

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 2020-09-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bliksum, LLC (CA)

LOAN ME CLAIMED A LOAN WAS TAKEN OUT ONLINE IN XXXX XXXX NAME WHICH I'VE FILED A POLICE REPORT AND FTC COMPLIANT REGARDING THIS ACCOUNT. I HAVE EMAILED THE DOCUMENTS REQUESTED TO XXXX FIELDS OF LOAN ME AND XXXX WHO IS REPORTING THIS FRAUDULENT ACCOUNT ON MY CREDIT REPORT. I WOULD NEVER AGREE TO SUCH TERMS OF ANY TYPE OF LOAN LIKE THIS. THIS IS A SCAM.
Consumer complaint received 2024-10-18
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. (TN)

Unaurorized Credit Inquiries Inquiry XXXX XXXX XXXX. DATE XX/XX/XXXX INQUIRY : XXXX XXXX XX/XX/XXXX INQUIRY : XXXX XXXX XX/XX/XXXX INQUIRY : XXXX XXXX XX/XX/XXXX INQUIRY : XXXX XXXX XXXX XX/XX/XXXX INQUIRY : XXXX XXXX XX/XX/XXXX INQUIRY : XX/XX/XXXX INQUIRY : XXXX XXXX XXXX XXXX, XXXX INQUIRY : XXXX XXXX XX/XX/XXXX INQUIRY : XXXX XXXXXXXX XX/XX/XXXX INQUIRY : XXXX XXXX  XX/XX/XXXX INQUIRY : XXXX XXXX XX/XX/XXXX INQUIRY : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX INQUIRY : XXXX XXXX XXXX XX/XX/XXXX INQUIRY : XXXX XXXX XXXX XX/XX/XXXX 2022
Consumer complaint received 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Hi, I cant believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. i sent multiple letters, its more than 60 days. I need these accounts deleted or updated. These are the items i am demanding to be deleted immediately : checking account and demand deposit account ( DDA ) activity - XXXX XXXX XXXX
Consumer complaint received 2023-10-12
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (CO)

Resurgent Capital is literally resurging debts that have been cleared. This is the second time in 2 years they attempted to collect on debts that were dismissed in a BK over 13 years ago. They have been told this, but here we are again. They are sending letters and nonstop calling threatening lawsuits and collections. But they are trying to get paid on debts that were considered closed. Its a shady business practice
Consumer complaint received 2024-10-17
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. ()

I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.
Consumer complaint received 2024-10-17
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. (WA)

I disputed with the credit report company Transunion to update my credit but unfortunately I have been told the informations are correct and give me your number and your website I would like you to remove the fraudulent report on my credit report Sincerely thanks.
Consumer complaint received 2024-10-17
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.
Consumer complaint received 2024-10-17
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. (TN)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, XXXX, and XXXX.
Consumer complaint received 2020-09-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

XXXX XXXX XXXX {$500.00} XX/XX/2018 XXXX XXXX  XXXX {$230.00} XX/XX/2018 I have never done business with this company.
Consumer complaint received 2020-09-19
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NAVY FEDERAL CREDIT UNION (CA)

I applied for a XXXX XXXX purchase loan. After I applied online, I was immediately told I was denied without any explanation. I have called, and sent dozens of emails with no response whatsoever. After reading the guidelines on the Credit Union website I am aware I am qualified for this purchase. So I believe it is the banks responsibility to contact me and discuss why I would be denied.
Consumer complaint received 2024-10-18
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. (MS)

Recently I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following items from my credit report, immediately
Consumer complaint received 2024-10-17
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. (PR)

I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : ( XXXX  ) : ( XXXX ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.
Consumer complaint received 2023-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (FL)

Over the past few months, I have encountered persistent problems in accessing my credit report, which I believe are a result of incorrect security questions being posed. Despite my best efforts, I have not been able to resolve this issue through the regular channels of communication with Equifax. 

To provide some context, I have been diligently attempting to access my Equifax credit report through the official channel, XXXX, as is my right under the Fair Credit Reporting Act. However, every time I try to retrieve my report, I am presented with security questions that appear to contain false or inaccurate information. This has happened consistently on multiple occasions, and as a result, I am unable to access my credit report. 

I have made multiple attempts to contact Equifax to address this issue, including sending letters and making phone calls, but unfortunately, my concerns have not been addressed satisfactorily. It seems that my inquiries have gone unanswered, and I am left without access to my own credit information, which is crucial for my financial well-being and planning.
Consumer complaint received 2024-10-16
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.
Consumer complaint received 2024-10-18
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)

FCRA viloations Not mine not my credit cards XXXX XXXX  XXXX Potentially negative Date opened XX/XX/XXXX Balance {$6300.00} Status Account charged off. {$6300.00} written off. {$6300.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$2200.00} Status Account charged off. {$2000.00} written off. {$2200.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXXXXXX Potentially negative Date opened XX/XX/XXXX Balance {$1700.00} Status Account charged off. {$1700.00} written off. {$1700.00} past due as of XX/XX/XXXX. 
never lived here XXXX XXXX XXXX XXXX XXXX, IN XXXX Resident type Single family XXXX XXXXXXXX XXXX XXXX  XXXX XXXX TX XXXX XXXX type Single family XXXX XXXXXXXX XXXX XXXX  XXXX, TX XXXX Resident type Single family not my inquiries XXXX XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX On record until XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XXXX XXXX