davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-05
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)

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. 

XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX : # XXXX XXXX : # XXXXXXXX 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, 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 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.
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (DC)

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 noncomplia
nce under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2024-09-05
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. (DC)

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 account listed without my expressed written consent.
Consumer complaint received 2024-09-05
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. (MA)

In accordance to 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. 

Account name : XXXX XXXX XXXX  XX/XX/XXXX Account name : XXXX XXXX XXXX XX/XX/XXXX Account name : XXXX XXXX XX/XX/XXXX Account name : XXXX XX/XX/XXXX Account name : XXXX XXXX XXXX  XX/XX/XXXX Account name : XXXX XXXXXX/XX/XXXX Account name : XXXX XXXX XXXX/XXXX Account name : XXXX XXXX XX/XX/XXXX Account name : XXXX XX/XX/XXXX Account name : XXXX XXXX XXXX XXXXXX/XX/XXXX Account name : XXXX XXXX XXXX  XX/XX/XXXX Account name : XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Account name : XXXX XXXX XXXX XXXXXX/XX/XXXX Account name : XXXX XXXX XXXX XXXXXX/XX/XXXX Account name : XXXX XXXX XXXXXX/XX/XXXX Account name : XXXX XXXX  XX/XX/XXXX Account name : XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX Account name XXXX XXXX XXXX XXXXXX/XX/XXXX Account name : XXXX XXXX XXXXXX/XX/XXXX Account name : XXXX XXXX XXXX  XX/XX/XXXX Account name : XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX Account name : XXXX XXXX XXXX XX/XX/XXXX Account name : XXXX XXXX XXXXt XX/XX/XXXX Account name XXXX XXXX XX/XX/XXXX Account name : XXXX XXXX XXXXXX/XX/XXXX Account name : XXXX XXXX XX/XX/XXXX Account name : XXXX XXXX XXXX XXXXXX/XX/XXXX Account name : XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX Account name : XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX Account name : XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Account name : XXXX XXXX XXXXXX/XX/XXXX Account name : XXXX XX/XX/XXXX Account name XXXX XXXX XX/XX/XXXX Account name : XXXX XX/XX/XXXX Account name : XXXX XXXXXX/XX/XXXX Account name : XXXX XXXXXX/XX/XXXX Account name : XXXX XX/XX/XXXX Account name : XXXX XX/XX/XXXX Account name : XXXX XXXX XXXXXX/XX/XXXX Account name : XXXX XX/XX/XXXX Account name : XXXX XXXX XXXXXX/XX/XXXX Account name : XXXX XXXX XX/XX/XXXX Account name XXXX XXXX XXXX XXXXXX/XX/XXXX Account name : XXXX XXXX XXXXXX/XX/XXXX Account name : XXXX  XX/XX/XXXX Account name : XXXX XXXXXX/XX/XXXX Account name : XXXX XXXXXX/XX/XXXX Account name : XXXX XX/XX/XXXX Account name : XXXX XX/XX/XXXX Account name : XXXX XXXX XXXXXX/XX/XXXX Account name : XXXX XXXX XXXXXX/XX/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 an 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 XXXX years. 

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AK)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
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. (TX)

I am writing to formally dispute several accounts that have appeared on my credit report, which I believe to be fraudulent. Below are the details of the accounts in question : XXXX XXXX Account Number : XXXX Status : Late payments reported to all three credit bureaus. 

XXXX Account Number : XXXX Status : XXXX XXXX  reported to XXXX. 

XXXX  Account Number : XXXX Status : XXXX reported to TransUnion and XXXX. 

XXXX XXXX  Account Number : XXXX Status : XXXX  reported to TransUnion and XXXX. 

XXXX XXXX Account Number : XXXX Status : XXXX  reported to TransUnion and XXXX. 

XXXX XXXX XXXX Account Number : XXXX Status : XXXX  reported to TransUnion only. 

I believe these accounts are fraudulent, as I have not authorized any transactions or agreements related to them. I request an investigation into these accounts and their immediate removal from my credit report. I have attached a copy of the FTC report as well as my ID etc.
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. (CO)

Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat these items are being reported correctly? Who verified these items? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the items listed below I wanted to confirm my thoughts and contacted the companies directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ITEMs? I believe you have not verified these items based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 
XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX  XXXX
Consumer complaint received 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

In XX/XX/XXXX, I discovered multiple inaccurate collection accounts on my credit report. These entries were made without my knowledge or consent, and they violate my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b ( c ) and 15 U.S.C. 1681s-2. Despite having already filed a dispute and providing all the necessary documentation, the credit reporting agencies and the companies responsible have failed to remove these inaccurate collection accounts. 

This is the second formal complaint I am filing with the Consumer Financial Protection Bureau ( CFPB ) because the previous complaint was ignored, and the inaccurate collection accounts continue to appear on my credit report. These accounts are causing significant damage to my credit score, and the continued reporting of this erroneous information is both misleading and a violation of my rights under the FCRA. 

Collection Accounts : 1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  b. Balance : {$0.00} c. Account Status : Closed d. Date Reported : 09/21/2020 The Fair Credit Reporting Act ( FCRA ) mandates that credit reporting agencies and furnishers of information must ensure the accuracy of the data they report. Specifically : Under 15 U.S.C. 1681b ( c ), the companies reporting these collections must have a permissible purpose for accessing or reporting this information, which they have failed to demonstrate. 
Under 15 U.S.C. 1681s-2 ( b ), the furnishers of information have a legal obligation to correct and update inaccurate or incomplete information once a dispute has been filed. Despite receiving my dispute, these furnishers have neglected to update or remove the inaccurate information. 

Furthermore, the 15 U.S.C. 1681e ( b ) provision requires credit reporting agencies to adopt reasonable procedures to assure the maximum possible accuracy of the information in consumer reports. By continuing to report these erroneous collection accounts, the credit reporting agencies are in direct violation of this provision, and I am seeking corrective action under the law. 

The Federal Trade Commission ( FTC ) has issued clear guidelines about the obligations of credit reporting agencies and furnishers under the FCRA. My complaint is further supported by FTC Report No. XXXX, which underscores the need for compliance with these legal obligations.
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. (IL)

Upon checking my credit report I found several hard inquires that I did not authorize. I contacted each company and was told to contact the credit bureau to have the inquiry deleted. After contacting the credit bureau the fraudulent credit inquiry has yet to be removed. I am requesting each inquiry to be removed immediately. 

XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-10-17
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)

I made a dispute with TransUnion numerous times about their misuse and reporting information incorrect on my personal credit report. This is my second attempt going through the CFPB to resolve this issue amicably ( first complaint ID is XXXX. TransUnion has violated my rights are a consumer under the FCRA. I requested for them to resolve of them violating my rights as a consumer under the FCRA by blocking and delete the items associate with them within 4 DAYS. They stated that I need to mail the complaint to their office. On XX/XX/XXXX I mailed all documents certified ( USPS confimed cert # XXXX ). On XX/XX/XXXX they responded in a secure message ( please see attached email ) to me that the information still was not clear. I have attached the original letter with the account numbers and specific details. It seems as if I am having a difficult time with TransUnion not abide by the FCRA and my consume rights for privacy. It has been over 2 weeks and this has not been resolved. I have attached the list of items that must be block and removed.
Consumer complaint received 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX XXXX is reporting information for XXXX XXXX XXXX  and I have never lived there. I do not know who they are in fact. When I have called and left several messages there is only an automatic voicemail and no one returns your call at XXXX XXXX. I have my own place and have not lived in apartments since XXXX. 

Please order them to remove this inaccurate information immediately or show proof that it is a valid debt that I owe. I think this is AI.
Consumer complaint received 2024-08-13
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. (MA)

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 2024-10-18
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. (CA)

I am writing to dispute the accuracy of information in my consumer report, pursuant to my rights under FCRA 611 ( 15 U.S.C. 1681i ). This letter is in reference to my previous CFPB complaint [ XXXX submitted on XXXX ], in which I requested, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that TransUnion block all of the accounts, collections, and hard inquiries identified in that complaint from my consumer credit file within 4 business days of receiving said complaint.

TransUnion failed to comply with my initial request and has not properly verified the claims made in my CFPB complaint. Therefore, I am invoking my rights under FCRA 611 to demand that TransUnion : Reinvestigate all items contested in my initial CFPB complaint.

Provide detailed information on the method of verification used in your initial response to my CFPB complaint, including the specific sources of information consulted. 
If unable to verify the contested items using reliable sources, delete all such items from my credit report. 
Please note that I have previously filed FTC Identity Theft Reports [ Numbers XXXX, XXXX, XXXX, XXXX ] related to these disputed items. It is my understanding that these reports were not properly considered in their initial investigation. 
Under FCRA 611 ( a ) ( 1 ) ( A ), TransUnion is required to conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. Furthermore, FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) requires TransUnion to provide a description of the procedure used to determine the accuracy and completeness of the information, including the business name and address of any furnisher of information contacted in connection with such information, if reasonably available.

If TransUnion is unable to verify the accuracy of the disputed information through this reinvestigation process, I demand that TransUnion promptly delete or modify that information in accordance with FCRA 611 ( a ) ( 5 ) ( A ).

TransUnion must be advised that failure to comply with this request may constitute willful noncompliance with the FCRA, potentially subjecting TransUnion to liability for damages.
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)

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against TransUnion regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Nature of Complaint : I submitted a dispute to TransUnion disputing a late payment reported by XXXX XXXX I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment Submitted On Time : My payments were made on time and before the due date. I have attached bank statements and payment confirmations showing that the payment was processed well in advance of the deadline. This payment should not have been marked as late. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX customer service, they confirmed that the late payment entry was a result of a clerical error in their system. The payments were applied to the wrong account, which delayed its proper posting. I have attached correspondence from XXXXXXXX XXXX acknowledging the error and confirming that the payment was made on time. 
Inconsistent Payment Posting Date : The payments in question were processed on time, but XXXXXXXX XXXX reported varying posting dates to different credit bureaus. This inconsistency between TransUnion, XXXX, and XXXX indicates a reporting error on their part. I have attached documentation showing the discrepancies in the reported dates, which suggest the late payment is inaccurate. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, TransUnion has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being.

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-10-18
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)

I've been attempting to contact the appropriate channels about the errors on my credit report, but I haven't had any success. It's been incredibly frustrating and stressful, keeping me up at night wondering about my financial future because these inaccuracies are unfairly impacting my credit score and preventing my credit applications from being approved.
Consumer complaint received 2024-10-17
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. (TX)

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.