davidheineman/consumer-finance-complaints-large huggingface dataset:
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. (FL)

My name is XXXX XXXX, and Social Security Number : XXXX, and 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 credit cards XXXX XXXX # XXXX Opened on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Opened on XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXXXXXX Opened on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX # XXXX Opened on XXXX XXXX, XXXX, XXXX XXXX # XXXX XX/XX/XXXX, XXXX XXXX # XXXX Opened on XX/XX/XXXX, XXXX # XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX Opened on XX/XX/XXXX and unauthorized Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 # ( private case number ) 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 2024-10-18
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)

Ive noticed some unfamiliar items on my credit report that I believe may be the result of identity theft, as I did not authorize these accounts. Ive addressed this issue before, and Im now requesting that these accounts be removed from my report as soon as possible. Their presence is causing me significant stress and does not accurately reflect my credit history or financial management. If we can not resolve this issue promptly, I am prepared to take legal action to protect my rights and find a solution. These inaccuracies are seriously hindering my ability to achieve important financial goals, such as buying a house and supporting my family. I hope we can address this matter quickly.
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

My XXXX credit card was closed as of yesterday. I received a letter stating they pulled a trans union report and my score had dropped from the XXXX to XXXX and I now have multiple delinquencies and late payments. When I called to question this, I was told it would have to be resolved with trans union and given no other option to have my account re-opened or pull the credit report again. I called trans union. They are mailing me a letter with my credit report as they could not give me a number over the phone, but they were able to tell me that what lowes sent me about my credit report is not correct. I was instructed to call them back. I called XXXX again and was not offered any resolution. Only after I complained did I get an option of filing a dispute, but was told now that the card is closed they would not be able to open it back up even if I am correct about their error. I do not believe a dispute was filed as the rep on the phone did not give me any opportunity to answer any type of questions to file it.
Consumer complaint received 2023-07-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

This is my 15th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$860.00}
Consumer complaint received 2018-05-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MD)

Hi, someone has access to my equifax credit report and keep making disputes resulting in lowering my credit score for example all these accounts had received disputes which i never did ( ( XXXX   XXXX/XXXX XXXX  ) ) ( ( XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) ) ) ( ( XXXX/XXXX XXXX ) ) ( ( XXXX/XXXX XXXX ) ) ( ( XXXX/XXXX  ) ) i tried to contact one of them ( XXXX XXXX ) to see who made the dispute, they said they received the dispute from Equifax on XX/XX/XXXX Which i never did ( check the attachment for their answer ) Please Equifax Protect my Credit report
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am reaching out to report fraudulent personal information linked to my identity. Accounts and transactions have been wrongfully attributed to me, leading to significant distress. I am a victim of identity theft and have reported this incident. Its crucial to address this promptly, as it has negatively affected my finances and reputation. I kindly request your assistance in removing all fraudulent information from my credit report and conducting a thorough investigation. I am ready to provide any necessary evidence and may pursue legal action to protect my rights. Thank you for your prompt attention to this urgent matter.
Consumer complaint received 2024-10-18
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. (CO)

In accordance with the Fair Credit Reporting Act this account has violated my rights. 

XXXX XXXXXXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States that I have a right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It is also states that a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2024-10-13
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. (IL)

In accordance with the fair credit act, this creditor XXXX  Has violated my rights under 15 USC 16 8 1 section 602 states. I have the right to privacy 15 USC 1681 section 604 A section 2 also, states consumer reporting agency can not furnish any account without my written instructions Under 15 USC 604 1666, a creditors may not treat a payment on a credit account under a open and consumer credit plan as late for any purposes.
Consumer complaint received 2024-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

My account with XXXX XXXX TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports
Consumer complaint received 2023-07-17
Product: Credit reporting, credit repair services, 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)

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

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


XXXX Account XXXX XXXXXXXXXXXX XXXX Account XXXX XXXX XXXX XXXX XXXX   -- - I never authorized this inquiry XXXX XXXX XXXX XXXX XXXX XXXX- - I never authorized this inquiry XXXX XXXX XXXX XXXX XXXX I never authorized this inquiry XXXX XXXX XXXX -- - I never authorized this inquiry XXXX XXXX XXXX  - I never authorized this inquiry XXXX XXXX XXXX XXXX  -- - I never authorized this inquiry XXXX XXXX XXXX XXXX XXXX XXXX - I never authorized this inquiry According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

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

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

Someone needs to hold them accountable for this
Consumer complaint received 2024-10-18
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. (NY)

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 : XXXX - XXXX - XX/XX/XXXX - {$350.00} XXXX - XXXX - XX/XX/XXXX - {$0.00} 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 2024-08-20
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Experian Information Solutions Inc. (FL)

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you 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 credit card account opened at XXXX XXXX XXXX XXXX XXXX on XX/XX/year> under the account number XXXX, with a balance of {$650.00} that appears related to the aforementioned Credit Card account opened at XXXX XXXX XXXX XXXX . These accounts have resulted in several fraudulent hard Inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 are the result of identity theft and fraud.
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Due to discrepancies in missing payments, XXXXXXXX XXXX XXXX XXXX and myself are currently in litigation procedures and will be tied up in legal proceedings for the foreseeable future. It is because of these proceedings, along with the open and active disputes, that XXXXXXXX XXXX XXXX has listed the status of this account as " DISPUTED : CONSUMER DISPUTES ALL INFORMATION ''. This is the CURRENT STATUS of this account and myself, along with XXXX, have gone to great lengths to ensure that this status and, ONLY THIS STATUS, be reported by the credit bureaus. Unfortunately, after several attempts by XXXX and myself, to have the status of this account be reported correctly, the credit bureau has remained implicit in ignoring the demands of both the creditor and myself to report the correct status and has engaged in highly ILLEGAL activity by filing fraudulent disputes in the consumers name simply to remove the 'disputed ' status of the account and report the 'new ' status as they see fit. XXXX credit services has even taken the extraordinary steps of providing, not one but, two letters to the credit bureaus explaining, in writing, what the correct status of the account is, ( disputed ), AND why they were reporting it as such, ( disputed ). The first letter was written and sent in XXXX of XXXX  and the 2nd was written and sent in XXXX of XXXX, back to back months. Unfortunately, despite all aforementioned attempts on XX/XX/year> XXXX filed a fraudulent dispute in my name to have the status of the account changed back to charged off or delinquent, completely ignoring the disputed status that is supposed to be reported. This is my final attempt to try and get the correct status of this account reported correctly by the bureaus before filing a lawsuit for negligence, criminal activity as well as fraud for the aforementioned activities listed in this letter.
Consumer complaint received 2024-10-18
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. (AL)

Please remove all the inaccurate fraudulent accounts as I have no know in any of these. For the company to do what fair and equitable to me as a consumer by removing inaccuracy records on my credit report.
Consumer complaint received 2024-10-18
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX TransUnion LLC XXXX XXXX XXXX XXXX, PA XXXX Subject : Cease and Desist Stall Letters Dear TransUnion, I am writing to formally request that you cease sending me stall letters regarding my credit report. As you are aware, under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies have a maximum of 30 days to complete their investigations. 

If I receive another stall letter in the mail, I will be forced to take legal action. Please ensure that my requests are handled promptly and in accordance with the law. 

Thank you for your immediate attention to this matter. 

Sincerely
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. (AZ)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2024-10-18
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. (NY)

I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the XXXX, XXXX, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.
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. (VA)

TransUnion LLC, Legal Department XXXX XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX Attention : Office of General Counsel Pursuant to the Fair Credit Reporting Act ( FCRA ), I am entitled to privacy as a federally protected consumer. This entitlement is reinforced by the Privacy Act of 1974, specifically articulated in 5 U.S.

Code 552, which governs the disclosure of public information and the regulations pertaining to agency rules, opinions, orders, records, and proceedings. I am instructing your Financial Institution to DELETE UNVERIFIED INQUIRIES LISTED BELOW : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This is effective immediately and indefinitely. 

TITLE VICONSUMER CREDIT REPORTING Sec. 604. [ 15 U.S.C. 1681b ] ( a ) In general.Subject to subsection ( c ) of this section, any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 4 ) In response to a request by the head of a State or local child support enforcement agency ( or a State or local government official authorized by the head of such an agency ), ( 5 ) To an agency administering a State plan under section 654 of title 42 for use to set an initial or modified child support award. * * * * * * * COMPULSORY USE OF ELECTRONIC FUND TRANSFERS Sec. 913. [ 15 U.S.C. 1693k ] No person may * * * * * * * ( 2 ) require a consumer to establish an account for receipt of electronic fund transfers with a particular financial institution as a condition of employment or receipt of a government benefit. 
REMOVAL OF INACCURATE INQUIRES PER TITLE VI CONSUMER CREDIT REPORTING Sec. 604. [ 15 U.S.C. 1681b ] ( a ) Sec. 913. [ 15 U.S.C. 1693k ] DELETE INNACURATE INQUIRES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-18
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 been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
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. (FL)

I am writing to formally dispute the reporting of two charge-off accounts on my credit report associated with XXXX XXXX. 

The account numbers in question are : Account Number : XXXX Account Number : XXXX I believe these accounts have been inaccurately reported as charge-offs. I have reviewed my records and have reason to believe that this information is incorrect. The reporting of these accounts has adversely affected my credit score and overall financial standing.
Consumer complaint received 2023-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MA)

My report on Experian needs to be accurately reviewed there are accounts that need to be removed they have different dates and other bureaus have removed them or have a differnent date this will be the last time I send this in for dispute I will have to take this further if needed experian neds to follow the fair credit act and review my credit.
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (PA)

I have already reached out to the credit bureaus regarding the inaccuracies on my credit report, but unfortunately, they have not taken the necessary steps to fix them. These errors are significantly impacting my creditworthiness and making it challenging for me to access favorable financial opportunities.