davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (CT)

I am writing to formally dispute XXXX inquiries that appear on my credit report, which i did not authorize. These inquiries are fraudulent, and I request that they be removed from my credit report immediately. 

The authorized inquiries are as follows : XXXX. Inquiry from 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 I did not apply for credit or authorize these inquiries, and I believe they are the result of identity theft. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute inaccurate information on my credit report, and I am requesting that these unauthorized inquiries be investigated and removed. 

Please notify me in the writing when these inquires have been removed.
Consumer complaint received 2024-08-19
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. (FL)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
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
Consumer complaint received 2024-08-19
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. (MO)

To Whom It May Concern : 1 am writing to dispute the following incorrect information on my credit report : [ XXXX XXXXXXXX XXXX, Opportunity Financial ], account is reporting closed with XXXX and Transunion bureau but open with XXXX. 
This item is currently showing inaccurately on my credit report filed with your credit bureau. 
Pursuant to 5 U.S.C. 552a ( i ) ( 3 ), I am requesting that this disputed item be removed permanently from my credit report immediately. This statute states that any agency which fails to maintain any record with accuracy, relevance, timelines and completeness as is necessary to guarantee fairness in any determination shall not use such record. 
Please contact me at XXXX XXXX XXXX XXXX XXXX below to let me know that you have corrected my credit report by removing the disputed item within the next 30 days as stipulated by the Fair Credit Reporting Act. 
Thank you for your assistance in correcting this erroneous information on my credit report. 

Sincerely, [ XXXX XXXX ] [ XXXX XXXX XXXX XXXX XXXX ] ( XXXX )
Consumer complaint received 2024-08-18
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)

On XX/XX/XXXX, I filed a formal complaint with XXXX XXXX XXXX XXXX regarding two unauthorized credit inquiries that appeared on my credit report. These inquiries, dated XX/XX/XXXX, and XX/XX/XXXX, were made without my knowledge or consent. Concerned about these unexplained entries, I requested proof of authorization and questioned the accuracy of the entity names listed on my report. 
In my complaint, I highlighted the critical importance of safeguarding personal information and ensuring compliance with the Fair Credit Reporting Act ( FCRA ). Due to the seriousness of the issue, I escalated my complaint to the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) for further investigation. 
By sharing my experience, I hope to raise awareness and assist others who may face similar challenges with unauthorized credit inquiries and issues related to credit reporting agencies.

Its essential to understand that the name of a company must exactly match the name of the registrant as specified in its legal documents, such as articles of organization, articles of incorporation, certificates of formation, or charters. If the company name on a credit report or legal document does not precisely match the registered name, it may not be legally recognized as the same entity. This distinction is crucial because it can differentiate between a legally recognized organization and a nonexistent one, potentially invalidating contracts, disrupting the enforceability of agreements, and complicating legal proceedings. Ensuring the correct legal name is used, especially on consumer credit reports, is not just a formalityit is a fundamental legal requirement that protects the integrity of financial transactions and upholds consumer rights.
Consumer complaint received 2024-08-19
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)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/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 XX/XX/XXXX XXXX, XXXX
Consumer complaint received 2024-08-19
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. (VA)

I am submitting this complaint against the credit bureaus due to their consistent failure to respond to my dispute letters regarding incorrect information on my credit report. Despite several efforts to address this issue through the appropriate channels, the credit bureaus have neither acknowledged nor investigated my disputes, as required by the Fair Credit Reporting Act ( FCRA ). 

Despite these repeated submissions, the credit bureaus have not provided any response, confirmed an investigation, or corrected the disputed information. This lack of response is a clear violation of the FCRA, which requires credit bureaus to investigate disputes and respond within 30 days. 

This marks my fifth attempt to resolve this issue, yet I have received no response from XXXX, XXXX, or TransUnion. I am filing this complaint as a last resort and request your prompt assistance in addressing this matter.
Consumer complaint received 2024-08-19
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. (CA)

On XX/XX/XXXX, I went to XXXX XXXX XXXX to cosign for an auto loan for XXXX XXXX. The salesman XXXX XXXX welcomed me and told me that I was cosigning the loan for 3 months, which I agreed to and signed. XXXX XXXX totaled the pickup while under influence of XXXX  and left the country afterwords. After I learned that he left, I inquired with XXXX and they asked for payment for the pickup. Assuming I am a cosigner in this joint account, I agreed to pay half of the remaining balance in the amount of {$15000.00}, which XXXX approved my offer and I paid this on XX/XX/XXXX. 

After paying, I disputed with credit bureaus and they disputed with XXXX XXXX and I learned that I was listed as a buyer, not a cosigner in the loan. As stated above, I was never a buyer in this loan. Currently, XXXX XXXX is saying that I need to bring proof that I was not a buyer and they will let me go free. But the XXXX XXXX XXXX is not listening to my complaint.
Consumer complaint received 2024-08-18
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. (TX)

I got a copy of my credit report and noticed some accounts and inquiries that i did not authorize. I contacted the company 's and was told the documentation required to remove the unauthorized items and they are attached. I would like the issue taken care of immediately as i am trying to start a new job thats these issues are making more difficult than it should be.
Consumer complaint received 2024-08-18
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)

Concern that TransUnion is reporting inaccuracies on the credit reporting when I have a right to PRIVACY, title ( 15USC1681 A, 4 ) fairness impartially as respect for the consumer rights, delete the following information as follow see attached. under the title, ( 15USC1681E, B ) credit reporting FCRA Fair Credit Report Act regulates credit agencies and covers situations such information is reported is 100 % accuracy ( B ) report whom a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates background report title ( 15USC1681E, B ) maximum possible accuracy of the information concerning the individual report. Title ( 15USC6801 A ) Protection of Nonpublic Information Personal Information Obligation policy of Congress that each financial institute has an affirmative and continuing obligation to respect the PRIVACY of its customers and to protect the security and confidentiality of those customers nonpublic personal information ( B ) financial institutions safeguard in furtherance of the policy in subsection ( A ) each agency or authority described in section ( 6805 ) with the title ( 15USC6802 ) obligation concerning disclosures of personal information and ( 15USC6803 ) as congress stated subsections remove the following accounts from the credit report. Non-compliance {$1000.00} is Civil Law Suit Delete the following information see attached
Consumer complaint received 2023-02-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX within the last 2 months have requested the removal of inquiry according to 15 u.s. code 1681. nothing was removed.
Consumer complaint received 2023-02-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: M&T BANK CORPORATION (NJ)

I opened a checking account with M & T Bank on XXXX. I then made a series of deposit from that time until XXXX. Since then, my funds have been frozen and unavailable to me in any capacity. I went to an M & T branch at : XXXX XXXX XXXX, XXXX XXXX XXXX, NJ XXXX and was told my case was submitted " some team '' and to wait for somebody to contact me. Nobody from M & T Bank has followed up with me on this case at all. I have since contacted the same branch and spoke with a helpful associate, XXXX XXXX, multiple times. However, she can not get a response at all from whomever needs to review this case. She can not even close the account and give my money back. I need help retrieving my money from this bank please.
Consumer complaint received 2024-08-18
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. (MO)

To Whom It May Concern : I am writing to dispute certain personal information appearing on my credit report maintained by your bureau. 
Upon reviewing my credit report, I noticed discrepancies in the personal information section, which I believe is inaccurate. I am requesting your assistance in investigating and correcting this information. 
Below is the personal information that needs to be reviewed and potentially removed or corrected from my credit report. ( Possible financial XX/XX/year> ). I certify that the personal information provided above is accurate to the best of my knowledge. I understand the importance of ensuring the accuracy of my credit report, as it impacts my financial standing and ability to access credit. 
According to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate or incomplete information on my credit report. I am requesting that you investigate the discrepancies mentioned above and promptly remove or correct any inaccurate information from my credit report. 
Enclosed with this letter are copies of documents that verify my correct personal information, including a government-issued identification card and any other supporting documents. 
By the provisions of the Fair Credit Report Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them.

Please remove any information that the creditor can not verify. I understand that under 15 U.S.C Sec 1681 ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. Please send an updated copy of 5 my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past 6 months. 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. 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.Sincerely
Consumer complaint received 2024-08-18
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. (GA)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX has violated my rights. 

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
Consumer complaint received 2024-09-03
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. (GA)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX, has violated my rights. 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.
Consumer complaint received 2018-09-24
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. (FL)

Please require TransUnion to delete the items on my credit report, as TransUnion has not fulfilled their obligation to verify the accounts according to the FCRA. 

I have tried disputing inaccurate information on my credit report and TransUnion has refused and failed to conduct a proper investigation. I sent dispute letters in XX/XX/2018 and sent reinvestigation letters in XX/XX/2018 and XX/XX/2018. TransUnion has had a total of 90 days to investigate the inaccuracies and update my credit report, but they have failed to do so, and the FCRA now requires the items be removed. 

During the investigation process, the collection agencies sent me the records they have on file, which all included incorrect payment histories and the most blatant error was an account that is not in my name. 

Together with my reinvestigation letter, I enclosed a copy of my driver 's license and the collection agency 's record showing the account is in a different last name, but TransUnion still came back and said that the account has been verified as accurate. It's as if the people who are processing these disputes aren't even reading the letters or looking at the contents inside of the envelope! 

On XX/XX/XXXX, I mailed my final certified letter to the TransUnion Legal Department requesting that they delete the accounts on the grounds that they did not conduct a reasonable investigation within 30 days. The certified mail tracking number is XXXX. It was delivered on XX/XX/2018. 

I have attached the XX/XX/2018 letter and the proof that one of these accounts is in the wrong last name. 

Please demand that TransUnion uphold their obligation to delete these items from my credit report.
Consumer complaint received 2024-08-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. 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. Please let me know if you need any other information from me to block this information from my credit report.
Consumer complaint received 2024-08-24
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. (OR)

Your company is in violation of the Fair Credit Reporting Act ( FCRA ). According to 15 U.S.C. 1681a ( 2 ) ( A ) ( i ) EXCLUSIONS, the term consumer report does not include any report containing information solely about transactions or experiences between the consumer and the person making the report, subject to section 1681s3 of this title.

The law clearly states that transactions between the consumer ( myself ) and the reporting entity ( your company ) are not to be included in consumer reports. A late payment constitutes a transaction history, and reporting it on my consumer report is a direct violation of FCRA 15 U.S.C. 1681a ( 2 ) ( A ) ( i ).
Consumer complaint received 2023-02-13
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. (NY)

n accordance with the Fair Credit Reporting act XXXX Account # XXXX,XXXX, XXXX, XXXX has violated my rights. 

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
Consumer complaint received 2024-08-19
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 did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. 

I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.
Consumer complaint received 2024-08-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

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 2023-02-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (TN)

I have a XXXX card but did not applied twice. 

XXXX : Inquiry date XX/XX/XXXX XXXX : Inquiry date XX/XX/XXXX Never applied for these below : XXXX XXXX XXXX  : Inquiry date XX/XX/XXXX XXXX XXXX XXXX : Inquiry date XX/XX/XXXX XXXX XXXX XXXXXXXX : XX/XX/XXXX XXXXXXXX XXXX : Inquiry date XX/XX/XXXX Partner credit XX/XX/XXXX XXXXXXXX XXXX