davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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 XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -51002.142 ( b ) ( 7 ). I kindly request that you delete and 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 human trafficking of debt bondage and would like for all listed accounts to be blocked and deleted company information. Please delete the following accounts. 


Account Name : DEPT OF ED/XXXX  Account Number : XXXX Account Name : DEPT OF ED/XXXX  Account number : XXXX Account Name : DEPT OF ED/XXXX  Account Number : XXXX INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-23
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. (TX)

. I recently received a copy of my credit report. I was shocked to find out that I was a victim of identity theft. I found this account XXXX XXXX, XXXX XXXX XXXX, 2022 on my report that I did not open. This has been hurting me as I am in the process of buying a house. please remove the fraudulent accounts from my report as soon as possible
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

This is the letter I wrote to them requesting removal of two accounts they were reporting.

I am writing to dispute inaccurate information on my credit report. The account in question has several errors that need immediate attention : Incorrect Date of Closure : The reported closure date is inaccurate. The account was paid off and closed years prior to the reported date.

Negative Reporting on a {$0.00} Balance : Despite a {$0.00} balance, the account is still being reported negatively. This is unjust and misleading.

Expired Reporting Limitation : The account should have been removed from my credit report as it has exceeded the seven-year retention period. 

I kindly request that you investigate and correct these discrepancies promptly. Accurate reporting is crucial for maintaining a fair credit history. Please provide written confirmation once the necessary corrections have been made. 

Thank you for your attention to this matter.
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

TransUnion is inaccurately reporting the credit limit of {$1400.00} for the XXXX XXXX  account # XXXX on my consumer report. This account was closed XX/XX/year> and charged off XX/XX/year>, I do not have any credit line or any access to credit with XXXX XXXX
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am a victim of identity theft and I am writing to dispute certain information in my file resulting from the crime. The items I am disputing do not relate to any transactions that I have made or authorized.This is a well established Identity theft case. Please have Transunion remove this information at the earliest possible time. The fraudulent account appearing on my credit report is XXXX XXXX XXXX. XXXX and XXXX already removed the fraudulent account a year ago but Transunion failed to do so and did not even respond to my dispute inquiry. Negligence from Transunion is hurting my life and bringing hardship to it, two examples of it recently are that Transunions incorrect reporting caused me to be denied increased credit limit twice with two of my credit cards, Transunion is in clear violation of 611 of the Fair Credit Reporting Act, 15 U.S.C. 1681i and section 605B of the Fair Credit Reporting Act. Please have Transunion comply with the Fair Credit Reporting Act, and remove/block this fraudulent information from my credit file. I have attached the Identity Theft report, the Police Report, my Transunion credit report ( With the Fraudulent information highlighted in yellow ), and proof of my identity to this inquiry. Please do not hesitate to ask me for any additional information that could be of use to you. Sincerely yours, XXXX XXXX XXXX
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

In 2019, during the height of the COVID-19 pandemic, I faced severe financial hardship due to the widespread economic impact and loss of employment. Given the unprecedented circumstances, I believed that credit reporting agencies and creditors were instructed to provide leniency and not adversely affect credit reports for accounts impacted by the pandemic. This belief was based on the understanding that the CARES Act and similar protections were in place to prevent negative credit reporting during such a crisis. 

At the time, I did not anticipate that my account would be reported negatively. I assumed that the credit reporting agencies and creditors were adhering to guidelines to protect consumers during this period. Consequently, I did not take further action to dispute the account, as I believed that the situation would be handled appropriately given the widespread financial struggles caused by the pandemic. 

The account in question was reported with late payments and a vehicle repossession. I am now seeking correction of this information to ensure it accurately reflects the impact of the pandemic and the protections afforded under the CARES Act.
Consumer complaint received 2024-09-07
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 had a auto loan opened in 2018, i have provided legal documents of a police report that shows that they auto loan account was opened fraudulently.. they never sent back any verifying papers to show that is was my account or auto loan.. 

XXXX : XXXX XXXX XXXX loan # XXXX Transunion : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below.
Consumer complaint received 2024-09-06
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. (GA)

Dear CFPB, I am submitting this formal complaint against TransUnion, XXXX, and XXXX to request the removal and blocking of fraudulent information on my credit reports due to identity theft. I have recently discovered unauthorized accounts and debts on my credit report that were opened in my name without my knowledge or consent. These fraudulent accounts are a result of identity theft, and I have already taken steps to resolve this issue. 
Details of the Fraudulent Information : Are attached in dispute letter I have taken the following actions regarding this fraudulent activity : XXXX. Submitted a complaint to the Federal Trade Commission ( FTC ) and completed an Identity Theft Affidavit ( FTC Affidavit Number : XXXX, XXXX, and XXXX XXXX. Contacted each credit reporting agency ( TransUnion, XXXX, and XXXX ) to notify them of the identity theft and provided the necessary documentation. 
Despite my efforts, the fraudulent information remains on my credit reports, negatively impacting my credit standing and subjecting me to potential liability for debts that I did not incur.
Consumer complaint received 2024-09-06
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. (OH)

I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

Since I never gave permission for these false accounts to be included on my credit report, I humbly ask to be removed from my credit report. You must take immediate action to delete this false information from my files. Please remove and block.
Consumer complaint received 2024-10-05
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am a known victim of identity theft. This is the third time I have filed a complaint for this exact issue but the credit bureaus keep violating Federal law as well as my rights and there has been no recourse. If I am forced to sue them I am going to seek damages of over XXXX for the time and frustration and the damage to my reputation. I have filed complaints with the Attorney Generals office as well as contacted my congress person. My information was exposed in a Data Breach ( and keeps being exposed repeatedly ). Then the person or people used this information to open a few credit cards and other accounts UTILIZING MY INFORMATION AND PRETENDING TO BE ME. I have not said that the accounts belong to someone else and are on my report incorrectly. I am saying the person pretended to be and committed fraud against me. This information needs to be blocked from reporting. The credit bureaus can not keep ignoring me, it is illegal. They are having the information processed in XXXX and they are screwing everything up. In addition to blocking the information, I demand they send me all of the information regarding the opening of the accounts and the original applications, showing my signature or that I agreed to this. I will take this back to the police since they are the only ones who seem to be willing to help me.
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

Please remove all fraudulent accounts and inquires as I have no knowledge of any of these accounts due to the XXXX breach Identity theft. My information was also impacted by the XXXX data breach and May have got into the hands of the wrong person. All is being investigated by the FTC. According to the FCRA 605B, 15 U.S.C. 1681c-2 this information must be blocked immediately within four business days.
Consumer complaint received 2024-08-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

Attached : Copy of payment receipt, letters from XXXXXXXX XXXX, and XXXX XXXX XXXX XXXX 


XXXX XXXX 's sent letters about a full payment of {$120.00}. The emails showed only a {$35.00} payment was requiremed. It shows when I logged in to the account there is not a card scheduled for Autopayments monthly. I received a letter my payments were returned or reversed. It is not welcome to reverse payments to my accounts. If they needed a payment dispute it was not communicated during mediation from CFPB. I did not change my password. I had to reset my password to log in to the XXXX XXXX. I could not log in in the past it was a complaint to CFPB. It is still not clear what to understand about scam on the caller ID. 

I notified them through the Consumer Financial Protection Bureau ( CFPB ) of circumstances about their App, websites a complaint of scam as the phone number. I tried to get them a payment sooner through the mediation of the CFPB. They sent notice of having the incorrect bank information. They never had any wrong bank information because I sent details of each circumstances to CFPB. An additional call from XXXX / XXXX XXXX it showed scam on the caller ID was the past complaint. 

A payment of {$70.00} does not show it was added on the App that was paid yesterday XX/XX/year> @ the local XXXX XXXX XXXX, XXXX. The attempts to make use the old debit card numbers causes me to send additional complaints to law enforcement because of suspicion of returned payments. The declines and hindrance from XXXX XXXX has consumed my time and made my credit score poor during emergency and caused the display of criteria of a denial for other applications. Please view attached letters and copy of recent receipts. Please reference past complaints to CFPB to work on this history to be resolved?
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on XXXX. 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 reported to be removed/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. 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!
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XX/XX/XXXX Subject : Request to Remove Inaccurate Credit Information To Whom It May Concern : Upon reviewing my credit report, I have identified the following item ( XXXX ) that contain inaccuracies : 1. The following account is not mine XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 


In accordance with the Fair Credit Reporting Act, I hereby request that you investigate and rectify these items, thereby removing them from my credit report. It is my understanding that you will verify these items with the relevant creditor. Any information that the creditor is unable to verify should be promptly eliminated. I am aware that as per 15 U.S.C. Sec. 1681i ( a ), you are obligated to complete this reinvestigation within 30 days of receiving this letter. 

Kindly provide an updated copy of my credit report to the aforementioned address. According to the legislation, there should be no charge for this updated report. Additionally, I request that you notify any party who has received a copy of my credit report within the past six months about the corrections made. 

Thank you for your attention and assistance in resolving this matter. 

Yours sincerely, XXXX XXXX
Consumer complaint received 2024-08-23
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)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Louisiana XXXX SS # XXXX XXXX XXXX XXXX Greetings to whom it may concern, Please take a look at the information that I am disputing on my credit report, this information is inaccurate on my credit report. I am sending a copy of inquiries on my credit report and inaccurate information on my account. This information is not mines and need to be addressed. Please correct information concerning all these accounts. ( Please see attached ) I am asking for a full investigation. Please fix this report effective and immediately. Also I am disputing the credit inquiries that are not mines and needs to be removed. 
Please send me written confirmation, also include proof that youve complied with section 623 ( a ) ( 4 ) of the Fair Credit Reporting Act to the National Credit Bureaus. 
Thank you for your cooperation. If you have any questions concerning this matter I can be reached at phone number above. 

Thanks in Advance XXXX XXXX XXXX Inquiry : XX/XX/XXXX + Bank ( XXXX ) XXXX XXXXXXXX XXXX XXXXXXXX Inquiry XXXX XX/XX/XXXX + All Banks XXXXXXXX XXXXXXXX Inquiry : XXXX. XXXX, XXXX + Credit Unions ( XXXX ) XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX Important dates Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I was a victim of identity theft and I am currently in distress and suffering from XXXX  because of this. I am seeking help on my situation where my credit report reflects an outstanding debt that I know was caused by fraud. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. Please let me know if you need any other information from me to block this information from my credit report.
Consumer complaint received 2024-08-27
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. (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 XXXXDate Opened XXXX BALANCE {$0.00} Unauthorized inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am a XXXX XXXX XXXX XXXX XXXX XXXX XXXX and would like for all listed accounts to be blocked and deleted. 
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 2024-08-23
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)

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 I have the right to privacy.

15 U.S.C 1681 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 reporting agency may make any 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 than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.