davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-19
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. (GA)

I am a victim of identity theft do to the XXXX data breach the XXXX XXXX XXXX XXXX and also the XXXX XXXX  data breach attached is a copy of my identity theft report with all listed fraudulent accounts Transunion fraudulent Accounts XXXX XXXX XXXX XXXXXXXX {$1200.00} Account # XXXX Fraudulent inquiries Transunion XXXXXXXX XXXX XXXX XXXXXX/XX/scrub>XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-10-01
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: EQUIFAX, INC. (MD)

I submitted a credit repair request to a company, but they still failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB to address the situation and protect my rights as a consumer.
Consumer complaint received 2024-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I am writing to address a serious issue regarding my credit report. Despite my recent requests to remove fraudulent accounts and inquiries, as referenced in reports XXXX, XXXX, and XXXX, new fraudulent entries continue to appear. This ongoing problem is extremely concerning and requires immediate resolution. New Fraudulent Inquiries : 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 XXXX - XXXX XXXX, XXXX XXXX XXXX XXXX XXXX - 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 XXXX  XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XXXX XXXX, XXXX Please take immediate action to remove these fraudulent inquiries from my credit report. Additional Fraudulent Account : XXXX XXXX XXXXXXXX - XXXX - XX/XX/XXXX. This account does not belong to me. Kindly review and remove it from my records. Your prompt assistance in addressing this matter is greatly appreciated. Please confirm once these fraudulent entries have been removed and provide any necessary documentation or updates regarding this request. Thank you for your attention to this urgent issue. I have attached my FTC report, ID, and proof of address.
Consumer complaint received 2024-10-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I XXXX XXXX have received my credit report today XX/XX/year> and I have notice that somethings are incomplete and not accurate, and accordance with the fair Credit Reporting act. Here are the list of the accounts below that 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15. USC. 1681 section 602 A. States I have the right to privacy 15. USC 1681 section 604 A. Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions.

15. USC 1681 C. ( 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 crime which antedates the report by more than 7 years.

15. USC. 168 1s -2 ( A ) ( 1 ) A person shall not furnish any information relating to consumer to any consumer reporting agency if the.
Consumer complaint received 2024-10-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

Under the Fair Credit Reporting Act ( FCRA ), particularly 15 USC 1681. The accounts listed below have egregiously violated my right to privacy and the accuracy of reporting :. Account Name : XXXX XXXXXXXX XXXX XXXXXXXX. Account Name : XXXX XXXX XXXX  XXXX Account Name : XXXX XXXX XXXXXXXX XXXX Account Name : XXXX XXXX XXXXXXXX XXXX Account Name : XXXX XXXX XXXXXXXX XXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX My Credit Report was updated in XX/XX/year> to which the Credit Bureau knowingly furnished inaccurate and incomplete information.

15 U.S.C. 1681 Sec. 602 ( A ) States I have the right to privacy.

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.

Under 15 USC 1681 ( e ) ( b ), consumer reporting agencies are legally required to follow reasonable procedures to assure maximum possible accuracy in their reports. This has clearly not been done in my case, and the errors remain unaddressed.

Under 15 USC 1681i ( 5 ), it is the agencys responsibility to promptly delete or correct any information found to be inaccurate and incomplete during a dispute. Despite this legal requirement, the inaccuracies continue to persist on my report, causing unnecessary hardship.

Under 15 USC 1681s-2 explicitly states that furnishers must not report information they know, or have reasonable cause to believe, is inaccurate. These accounts have been reported in violation of this law.

Thank you for your prompt attention to this matter. 

XXXX XXXX
Consumer complaint received 2024-10-19
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. (LA)

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 XXXX XXXX XXXX. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and list of Inquiries 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 2024-10-19
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 formally dispute the inaccurate information on my credit report due to my recent victimization by XXXX XXXX. I have identified several accounts and/or pieces of information on my credit report that are incorrect and were not authorized by me.
Consumer complaint received 2024-10-19
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I noticed that you are reporting inaccurate information on my credit report and that you keep verifying this account when its clearly inaccurate. This letter serves as a DEMAND to validate this account : XXXX XXXX Please provide me with the following : ( 1 ). Full accounting for this account : ( 2 ). Copy of the assignment of purchase from the property management ( 3 ). Every charge and what was purchased, fee, payment, credit, interest ( 4 ). How you calculated what you claim I owe ( 5 ). ( XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) ( 6 ). Full chain of assignments from charge off to present ( 7 ). Proof that you own the debt with full clear title ( 8 ). Proof that you were on the original contract ( XXXX XXXX XXXXXXXX XXXX  XXXX ) & ( XXXX XXXX XXXXXXXX XXXX XXXX ) If you cant provide me with sufficient proof as listed above, then you must delete the above account from all three credit reports ASAP. Let me remind you of the law : according to FDCPA 809 ( b ) furnishing, verifying and updating is considered collection activity. If you verify this inaccuracy from the credit bureaus without providing me with all of the items listed, you will be in violation of the law which carries a fine of {$1000.00} per violation.
Consumer complaint received 2024-10-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I repeat I repeat I have contacted XXXX about these fraudulent accounts and they need to be removed immediately this is probably the third time I am doing this report and I'm a victim of the XXXX data breach and these accounts are fraudulent and I never authorized them and never open them so immediately remove them all and these hardened inquiries and items off of all my credit reports XXXX needs to remove these particular accounts I have told them numerous times XXXX needs to remove the following address as they never belonged to me XXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX FL XXXX XXXX accounts below needs to be removed immediately XXXX XXXX XXXX {$170.00} XXXX Account info Account name XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX payment Closed XXXX XXXX BANK {$480.00} Closed XXXX XXXX  BANK Account number XXXX XXXX XXXX Account number XXXX XXXX  Unknown payment history {$6200.00} Closed XXXX Account name XXXX  BANK Account number XXXX XXXX XXXX XXXX 
2late payments {$0.00} Closed Account info Account name XXXX XXXX XXXX 
Account number XXXX XXXX BANK XXXX {$920.00} Closed XXXX XXXX BANK {$480.00} Closed XXXX XXXX BANK Account number XXXX XXXX BANK XXXX Account number XXXX XXXX  XXXX {$570.00} Closed XXXX  XXXX Account number XXXX XXXX CARDS XXXX Inquired on XX/XX/XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- XXXX inquiries need to be removed XXXX XXXX XXXX BANK XXXX XXXX on XX/XX/XXXX XXXX XXXX BANK XXXX XXXX on XX/XX/XXXX XXXX XXXX BANK XXXX XXXX on XX/XX/XXXX XXXX XXXX A Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX  Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX -- -- -- -- -- - Transunion needs to remove this inquiry XXXX  Inquired on XX/XX/XXXX 2024
Consumer complaint received 2024-10-19
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. (MO)

I am writing to formally dispute the inaccurate information on my credit report due to my recent victimization XXXX XXXX XXXX. I have identified several accounts and/or pieces of information on my credit report that are incorrect and were not authorized by me.
Consumer complaint received 2024-10-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Subject : Complaint Against TransUnion for Violation of 15 U.S. Code 1681i ( 5 ) and Failure to Remove Inaccurate Account Information Dear Consumer Financial Protection Bureau, I am filing a formal complaint against TransUnion for its repeated failure to remove inaccurate account information from my credit report after two previous disputes, which constitutes a violation of 15 U.S. Code 1681i ( 5 ) under the Fair Credit Reporting Act ( FCRA ). 
Account Information : - Account Number : XXXX - Creditor Name : XXXX  - Date of Charge Off : XX/XX/2019 - Amount : {$0.00} The account in question is an auto loan that was reported as charge off but has been paid in full. Despite providing documentation in previous disputes that demonstrates the inaccuracies of this information, TransUnion has failed to remove it from my credit report. Additionally, this account is reported solely by TransUnion and not by other credit bureaus, which further indicates an error in the reporting. 
The FCRA requires credit bureaus to delete disputed information within five business days after the reinvestigation if the dispute is not resolved, as stipulated in 15 U.S. Code 1681i ( 5 ). The continued presence of this incorrect account on my report violates the following FCRA provisions : 1. 15 U.S. Code 1681e ( b ) - Credit bureaus are legally required to ensure maximum accuracy of the information they report. The fact that this charge off appears exclusively in TransUnions report suggests that TransUnion has failed to verify the accuracy of its data.

2. 15 U.S. Code 1681i ( a ) - TransUnion is required to conduct a reasonable reinvestigation when the accuracy of any item in the report is questioned. The failure to correct the disputed information after two attempts constitutes a violation of this obligation.

TransUnions lack of compliance has caused significant financial damage and emotional distress, impacting my ability to access credit fairly. I request the CFPB to investigate this matter thoroughly and take the necessary actions against TransUnion for its continued non-compliance with the Fair Credit Reporting Act.

I am seeking the immediate deletion of this inaccurate account from my credit report and any other remedies deemed appropriate by the CFPB to ensure that TransUnion fulfills its legal obligations. Attached to this complaint, please find the supporting documentation, including the original disputes, proof of payment for the auto loan, and my current credit report reflecting the erroneous information.

Thank you for your attention to this matter. I look forward to a prompt resolution and your assistance in enforcing compliance with the Fair Credit Reporting Act.
Consumer complaint received 2024-10-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Subject : Complaint Against TransUnion for Violation of 15 U.S. Code 1681i ( 5 ) and Failure to Remove Inaccurate Account Information Dear Consumer Financial Protection Bureau, I am filing a formal complaint against TransUnion for its repeated failure to remove inaccurate account information from my credit report after two previous disputes, which constitutes a violation of 15 U.S. Code 1681i ( 5 ) under the Fair Credit Reporting Act ( FCRA ). 
Account Information : - Account Number : XXXX - Creditor Name : XXXX XXXX Date of Charge Off : XX/XX/year> - Amount : {$0.00} The account in question is an auto loan that was reported as charge off but has been paid in full. Despite providing documentation in previous disputes that demonstrates the inaccuracies of this information, TransUnion has failed to remove it from my credit report. Additionally, this account is reported solely by TransUnion and not by other credit bureaus, which further indicates an error in the reporting. 
The FCRA requires credit bureaus to delete disputed information within five business days after the reinvestigation if the dispute is not resolved, as stipulated in 15 U.S. Code 1681i ( 5 ). The continued presence of this incorrect account on my report violates the following FCRA provisions : 1. 15 U.S. Code 1681e ( b ) - Credit bureaus are legally required to ensure maximum accuracy of the information they report. The fact that this charge off appears exclusively in TransUnions report suggests that TransUnion has failed to verify the accuracy of its data.

2. 15 U.S. Code 1681i ( a ) - TransUnion is required to conduct a reasonable reinvestigation when the accuracy of any item in the report is questioned. The failure to correct the disputed information after two attempts constitutes a violation of this obligation. 
TransUnions lack of compliance has caused significant financial damage and emotional distress, impacting my ability to access credit fairly. I request the CFPB to investigate this matter thoroughly and take the necessary actions against TransUnion for its continued non-compliance with the Fair Credit Reporting Act. 
I am seeking the immediate deletion of this inaccurate account from my credit report and any other remedies deemed appropriate by the CFPB to ensure that TransUnion fulfills its legal obligations. Attached to this complaint, please find the supporting documentation, including the original disputes, proof of payment for the auto loan, and my current credit report reflecting the erroneous information. 
Thank you for your attention to this matter. I look forward to a prompt resolution and your assistance in enforcing compliance with the Fair Credit Reporting Act.
Consumer complaint received 2024-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

It's been months that I'm trying to fix errors that are being reported on my credit report because my creditworthiness is highly important to me, and the errors in my credit report have had detrimental effects on both my financial prospects and my emotional well-being but my requests and complaints kept getting ignored or disregarded which furthers the negative impact on both my life and my credit.
Consumer complaint received 2024-10-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy.These account are inaccurate, false, and i require them to be remove within the next 5 business days. Transunion, XXXX, XXXX has not reciprocated any compassion with reporting this on my consumer account. NO COMPANY has received written consent from me to report this onto my consumer report now they reporting anything, even things that don't belong to me this is illegal. Not only is this identity theft that i have been working tirelessly to fix. This is identity theft. These are not my accounts. Please see my official filing with the governement for identity theft.
Consumer complaint received 2024-11-05
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SUNRISE CREDIT SERVICES, INC (MO)

I called Sunrise Credit Services , Inc after I had to collect the collector 's information from my original creditor of XXXXXXXX XXXX as I was never sent any correspondence. I called Sunrise in XXXX of 2024 and set up an agreement with a woman to pay {$310.00} a month until {$4400.00} of my debt was paid, dismissing the remaining amount of my debt. THis was setup as an automatic payment plan. Payments were to begin XX/XX/year> and be paid on the XXXX every month. I was told during this time I would receive correspondence showing the agreement and would receive regular statements by mail after payments were made. I have never received either. I called last month, XX/XX/XXXX I believe, as the payment never came out of my account. I was told by the associate at that time that it came back as declined, but he did not see any reasoning of why with the return. The funds had been available and associate was able to run the payment that day. He corrected the issue for me, so I should have been expecting another withdraw on XX/XX/XXXX. I called Sunrise today XX/XX/year> at XXXX to verify that payment would be coming out, as there was some type or error last month. Associate XXXX told me due to paymnet declination, my settlement has been CANCELED and that he could take payment over the phone today but that was all he could help me with. I explained that I am not sure why this happened, after happening last month also when funds are available. XXXX ran my payment this afternoon and it went through fine. XXXX would not allow me to speak with someone else to ask the reasoning behind this or WHY it was occurring. He only repeated the same information and told me payment declined too many times. He did say yes, it would be better for me to call in and apply payment manually, even though I have had an auto settlement payment plan arranged. I asked that if he took my payment today, if he would be able to send me a receipt or statement and he stated he would have to put in a request for one to send out to me. I asked again for a receipt to please be mailed to me, and he countered for a statement to be emailed to me. He told me about the online services, so I pulled that up while on the phone with him and it requested a Sunrise Account number from me, which I do not recall ever have been provided. I received that from XXXX today and was told statements and any payment history would be available there. This is FALSE. There are NO available documents for me to view online through their portal. This company has yet to provide proof of debt or proof of payments.
Consumer complaint received 2024-10-19
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. (PA)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-10-06
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. (MA)

I RECENTLY REVIEWED A COPY OF MY CREDIT REPORT AND NOTICED I HAD FRAUDULENT ACCOUNTS ON MY REPORT. 

PLEASE REMOVE THESE ACCOUNTS FROM MY REPORT, THEY ARE HURTING MY ABILITY TO OBTAIN CREDIT. 

THANKS SEE THE ATTACHED