davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-11-20
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. (CA)

I have noticed several items on my credit report that I do not recognize. It appears that someone may have stolen my identity, as I did not authorize these accounts. I have previously raised this issue, and I am now requesting that these accounts be removed from my report immediately. The presence of these unauthorized accounts is causing me significant distress. They do not accurately reflect my credit history or financial management, and dealing with this issue has been challenging. If this matter is not resolved, I am prepared to pursue legal action to protect my rights and seek a resolution. These erroneous items on my credit report are significantly impacting my ability to achieve important financial goals, such as purchasing a home and supporting my family. I hope we can resolve this issue promptly.
Consumer complaint received 2024-11-20
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. (CO)

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 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 

XXXX XXXX
Consumer complaint received 2024-11-20
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. (GA)

I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after XXXX days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section XXXX ( a ), if these items are not investigated within XXXX days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-11-20
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)

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 2024-11-20
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. (CO)

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 XXXX  XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.
Consumer complaint received 2024-11-20
Product: 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)

It is unacceptable that, after multiple disputes and providing undeniable proof, the inaccurate information on my credit report remains unchanged. Your repeated failure to address these errors is not only frustrating but also a violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i. 

I have given you ample opportunity to correct or remove this false information, yet it continues to remain on my report. I demand an immediate and thorough reinvestigation, a review of the attached documentation, and prompt action to ensure my credit report is 100 % accurate. This issue must be resolved immediately.
Consumer complaint received 2024-11-20
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. (FL)

I am writing to formally request the immediate blocking and deletion of fraudulent accounts from my credit file. I am a victim of a data breach, and the following accounts were opened or reported without my authorization. Pursuant to 15 USC XXXX ( a ) and FCRA XXXX ( b ), you are required to block and remove these items from my credit file. 
Accounts : XXXX. XXXX - XXXX - XX/XX/XXXX - {$820.00} XXXX. XXXX - XXXX - XX/XX/XXXX - {$2200.00} XXXX. XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX. XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX. XXXX - XXXX - XX/XX/XXXX - {$4300.00} XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$560.00} XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$5000.00} XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$1800.00} XXXX. XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$5100.00} XXXX. XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$560.00} XXXX. XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$1800.00} XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$1600.00} XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$820.00} XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$330.00} XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$2200.00} XXXX. XXXX XXXX XXXX - XX/XX/XXXX - {$2400.00} XXXX. XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$0.00}
Consumer complaint received 2024-11-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I demand to see XXXX XXXX ( an original XXXX XXXX with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

All of these accounts have miss information, whether it be my address, the amount owed or charge off or active. I did not provide my signature nor have they provided me with proof of my signature of these debts. I was a victim of the most recent Identity theft and the XXXXXXXX XXXX XXXX XXXX and the XXXX and TransUnion data breach. As the Law demands, I demand the following be removed with 4 days of receiving this message.

I demand the these accounts be removed immediately. 

Name of Account Account Number Verification XXXX XXXX Identity Theft. 
XXXX XXXXXXXX Identity Theft. 
XXXX XXXX XXXX - XXXX XXXX Identity Theft. 
XXXX XXXX XXXXXXXX Identity Theft. 
XXXX XXXX Identity Theft. 
XXXX XXXX  Identity Theft. 
* Please remove all non-account holding inquiries over 30 days old. 

* Please add a XXXX Suppression to my credit file. 


Thank You, XXXX XXXX XXXXXXXX XXXX, the XXXX XXXX has signed and sealed these presents the day and year first above written.
Consumer complaint received 2024-11-20
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)

This account was charged off on XX/XX/year>. Since then, the account has been repeatedly updated as a charge off every month. This is an update on the payment history. The charge of account should not include an active payment history. this inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following accounts : XXXX XXXX : XXXX
Consumer complaint received 2024-11-20
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. (FL)

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention 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
Consumer complaint received 2024-11-20
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. (NY)

XXXX reports a XXXX balance to credit bureaus TransUnion on XX/XX/XXXX. XXXX was reported as being at XXXX balance XX/XX/XXXX, XXXX closed the account on XX/XX/XXXX. It is requested that XXXX provide the IRS XXXX XXXX. XXXX sets of communication have been sent to XXXX XXXX, XXXX XXXX to provide record of IRS Form XXXX and a letter of XXXX XXXX XXXX XXXXXXXX act as agents of XXXX conducting mortgage services. TransUnion reflects that XXXX account is closed and at a XXXX balance and XXXX is reporting a positive balance. XXXX balances and closed accounts do not carry over positive balances on a third party ledger. Due process and civil procedure also was not followed see 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 on the record. XXXX my have been assigned records internally but all parties failed to provide the proper process of service, notice of assignment that follows XXXX statues.
Consumer complaint received 2024-11-20
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)

In accordance with the Fair Credit Reporting act. FRCA 15USC 1681 I ( 5 ) ( a ) Information that is inaccurate or incomplete must be delete. And below is an account that have violated my rights and is requesting the account be removed. 

XXXX  XXXX These accounts also In accordance with the Fair Credit Reporting act 15 USC 1681 and 15USC 1692 ( g ) & ( c ) have violated my rights and is reporting incorrectly and is requesting the account be removed
Consumer complaint received 2024-11-20
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)

The paperwork I submitted before was not sufficient for them to remove this fraudulent account, so I updated everything : XXXX forms of ID, Police report, Affidavit & Dispute letter. this should suffice & removed this fraudulent from my credit report.
Consumer complaint received 2024-11-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Multiple variations of names that do not belong to me Numerous addresses across different states that I have never resided at Pattern suggests possible synthetic identity theft Mixed File/File Segregation ( 15 U.S.C. 1681i ) : Information appears to belong to other consumers Credit file contains information from multiple individuals Clear evidence of file mixing requiring immediate segregation Accuracy and Fairness Requirements ( 15 U.S.C. 1681e ) : Information can not be verified as belonging to me No legitimate business relationship or credit application associated with these details Information compromises the accuracy of my credit file
Consumer complaint received 2024-11-20
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 am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX  # XXXX Account Name : XXXX  # XXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXXXXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX  # XXXX Account Name : XXXX  # XXXX Account Name : XXXX XXXX XXXX # XXXX Account XXXX : XXXX  # XXXX Account Name : XXXX XXXX XXXXXXXX Account XXXX : XXXX # XXXX Account Name : XXXX  # XXXX  Account Name : XXXX  # XXXX Account Name : XXXX  # XXXX Account Name : XXXX XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX  # XXXX Account Name : XXXXXXXX XXXX XXXXXXXX XXXX # XXXX Account XXXX XXXX XXXX XXXX XXXX # XXXX Account XXXX : XXXX XXXX XXXX XXXX XXXXXXXX UNAUTHORIZED INQUIRIES : XXXXXXXX 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 2024-11-20
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 recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to have verified these. 

Depending solely on your flawed XXXX system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX TransUnion, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the XXXX system that does not even contain my reasons for the dispute is by no ones measure reasonable. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-11-20
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. (CA)

I have noticed several items on my credit report that I do not recognize. It appears that these accounts were opened without my authorization, suggesting potential identity theft. I have previously raised this issue and am now requesting the immediate removal of these unauthorized accounts from my report. 

The presence of these accounts is causing significant distress, as they do not accurately reflect my credit history or financial management. Resolving this issue has been both time-consuming and challenging. If the matter is not addressed promptly, I am prepared to pursue legal action to protect my rights and seek a resolution. 

These erroneous items are having a serious impact on my financial goals, including purchasing a home and providing for my family. I trust that we can resolve this matter swiftly to ensure the accuracy of my credit report. 

Thank you for your immediate attention to this issue. Please let me know if further documentation is required.
Consumer complaint received 2024-11-20
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. (CA)

" 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 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 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.
Consumer complaint received 2024-11-20
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. (NY)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (TX)

This has continue to be an issue since XX/XX/2024. Every time I try to dispute they send a stall letter saying to give a paystub with my current address and a social security number. I have sent my paystub several times with the the address that they sent the letter to. 
I also have sent all this information more than once and certified mail. So I know they have received my request. Since Equifax do not want to dispute what I request, they will keep asking for a verification of address or try to get me to dispute on line. I do not want to dispute online because of the clauses. I called yesterday on XX/XX/2024 at XXXX XXXX XXXX  and I was not able to get to an live person. XXXX of my consumer rights continues to be violated.