davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-04
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. (PA)

XXXX XXXX  has on my credit file this credit card. 

I never applied for this card nor giving my personal information or requested no XXXX XXXX XXXX. 

XXXX needs to provide proof of me applying for this card signatures and all charges made by me signatures ETC I never made no charges on any discover card or applied.
Consumer complaint received 2024-10-13
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. (AZ)

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 a right to privacy.

15 U.S.C1681 Section 604 A.Section A Section 2 : It also states a consumer reporting agency can not furnish an account without my written Instructions.
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

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 trafficking according to Trafficking-Debt Final Rule XXXX002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. A am a victim of human trafficking of Debt Bondage and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts. 
XXXX XXXX XXXX Acct # XXXX Bal. {$15000.00} XX/XX/XXXX XXXX Account XXXX Acct # XXXX Bal. {$550.00} XX/XX/XXXX XXXX XXXX Acct XXXX XXXX Bal. {$4600.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX. 
XXXX XXXX Bank Acct # XXXX Bal. {$440.00} XX/XX/XXXX
Consumer complaint received 2024-10-14
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. (SC)

MY PERSONAL INFORMATION WAS INVOLVED IN BOTH XXXX AND XXXX XXXX BREACH. I OBTAINED A COPY OF MY CREDIT REPORT AND IDENTIFIED ACCOUNTS THAT I HAVE NO KNOWLEDGE OF, NOR HAVE I EVER OPENED.

I CONTACTED EACH BUREAU BY PHONE AND FOLLOWED BY CERTIFIED MAIL REQUESTING VERIFICATION OF EACH ACCOUNT. EACH ACCOUNT IS UNVERIFIABLE BUT STILL REPORTING TO MY CONSUMER PROFILE.

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 EACH BUREAU HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY, REPORTING INACCURATE ACCOUNTS IS IN VIOLATION OF 15 USC 1681EB . 

DUE TO THE NEGLIGENCE OF EACH BUREAU IF NOT CORRECTED WITHIN 15 BUSINESS DAYS I WILL BE SEEKING MONETARY COMPENSATION OF {$1000.00} PER VIOLATION AND LEGAL ACTION
Consumer complaint received 2024-10-13
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'm a victim of identity theft I've been XXXX  for 15 years .I was XXXX  in 2021 I tired to start my life and I can because someone used credit, I can't start my life
Consumer complaint received 2024-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

please follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

I sent a letter asking them to reinvestigate these accounts listed below because : XXXX  XXXX open date is not reporting correctly, Date reporting is not reporting correctly Account Rating : Completely incorrect, this account information is not corresponding to me. I had sent letters to the Bureau and I have not received any response and i don't know what else to do. 

Can you look into this matter, please?
Consumer complaint received 2024-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

Consumer Name : XXXX XXXX XXXX ), Consumer Social Security Number : ( Private SSN ), Consumer Date of Birth : ( Private DOB ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the credit reporting agencies, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX on XX/XX/year> under the account number ( private ), XXXX XXXX XXXX {$6900.00}, XXXX XXXX XXXX  {$540.00}. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2024-10-13
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. (GA)

I am writing to file a formal complaint regarding the credit bureaus failure to properly investigate and validate a charge-off account listed on my credit report. I previously disputed the information related with XXXX XXXX because I believe it is inaccurate and was not substantiated by the original creditor. 

Issue Description : On XX/XX/year>, I disputed the accuracy of a charge-off account appearing on my credit report. 
In response to my dispute, the bureaus claimed the information had been validated with a billing statement from the creditor. 
However, a billing statement alone does not constitute proper validation of a debt, as it does not provide evidence from the original creditor that the account is legitimate, belongs to me, or that the debt was properly assigned. 
According to the Fair Credit Reporting Act ( FCRA ), the credit bureau is required to conduct a reasonable investigation and verify that the information is accurate by obtaining evidence from the creditor, such as contracts, original account agreements, or other relevant documentation. This was not done in my case. 

Why This is a Problem : A billing statement does not provide sufficient validation of a debt under the FCRA. 
The credit Bureaus have failed in its duty to investigate the legitimacy of the charge-off and has not provided any documentation proving the accuracy of the account beyond a basic billing statement. 
This failure has caused harm to my credit score and financial standing by allowing inaccurate and improperly substantiated information to remain on my credit report. 

Requested Resolution : I am requesting that the credit bureau be required to properly investigate this account by obtaining actual documentation from the original creditor that confirms the legitimacy of the debt, the amount owed, and my connection to the account. 
If they are unable to provide this documentation, I request that the charge-off account be removed from my credit report immediately. 
Additionally, I request that the CFPB investigate the credit bureaus violation of the FCRA regarding reasonable investigation procedures for disputed information. 

Thank you for your attention to this matter. I look forward to your prompt response and resolution of this issue.
Consumer complaint received 2024-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I am writing to formally dispute inaccurate information on my credit report related to the payment history of my account with XXXX XXXX XXXX XXXXXXXX ( closed ) Account Number unknown. This dispute specifically pertains to the creditors failure to credit payments promptly in accordance with 15 USC 1666b, which requires that payments be credited to an account on the date they are received. 

I have reason to believe that XXXXXXXX XXXX XXXX XXXXXXXX ( closed ) did not credit my payments promptly, resulting in incorrect late payment reports. This has adversely affected my credit score and overall report. As per the Truth in Lending Act, these inaccurate reports of late payments are unlawful if the delay in crediting was caused by the creditor and not by any fault of my own.
Consumer complaint received 2024-09-04
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: EQUIFAX, INC. (MD)

I'm writing to bestow my XXXX  concerning the tested records on my credit report. On various occasions, I have raised the issue of errors in these records, and have reliably referred to that they be completely broke down. Regardless of what my endeavors, I eventually can't get any goal or supportive development. These misguided records are really harming my credit file and hindering my capacity to go on with an ordinary life. The disagreeable results of these slip-ups have caused huge difficulties for me, and I'm left with no decision beside to battle for your help with surveying what's going on quickly. I generously demand that you direct a wary evaluation concerning the vital of these tested records. It is fundamental that the chief pushes are taken to restore and amend my credit report immediately. With your assistance, I need to reestablish the accuracy and reliability of my credit record so I could recuperate command over my cash related achievement. I truly demand that you offer this matter your generally preposterous idea and make a quick move. Your help and moving in settling this issue rapidly would be exceptionally critical. Much appreciation to you right off the bat for your insight and help.
Consumer complaint received 2024-09-04
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. (KY)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, XXXX, and XXXX.
Consumer complaint received 2023-01-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BANK OF THE WEST (NV)

Bank of the West promised in their advertising the reward of {$200.00} for opening and using their credit card and after spending {$1000.00} during the first 90 days send {$200.00} to my checking account. I successfully completed the requirements of their offer. I have the email confirmation from their rewards department about completing the offer but I dont have this money. I called to their customer service dozen of times, and every reps and manager promised to resolve the problem but never gave this money simply steal money. Their representatives promised to escalate my case to upper level but till today XX/XX/2023, I didnt receive this money.
Consumer complaint received 2024-10-13
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)

I am writing to formally dispute an inaccurate account listed on my credit report. The account in question is listed under the name XXXXXXXX XXXX XXXX XXXXXXXX, account number XXXX, and pertains to a debt originally owed to XXXX XXXX 

The details of the disputed account are as follows : - Account Type : Debt Buyer - Date Opened : XX/XX/XXXX - Delinquency Date : XX/XX/XXXX - Balance : {$3700.00} - Status : Collection account as of XX/XX/XXXX I have reason to believe that this account has been reported inaccurately, violating the Fair Credit Reporting Act ( FCRA ). Specifically : 1. Inaccurate Reporting of the Account Date : The account was first delinquent on XX/XX/XXXX, yet it is reported as opened on XX/XX/XXXX. This misrepresentation of the account 's timeline is inaccurate and misleading, as the delinquency predates the reported opening date by several years. As such, this raises concerns about the validity of the reporting practices used by the debt collection agency. 

2. Unfair Collection Practices : The debt collection agency has engaged in unrealistic debt tactics by continuing to report inaccurate information and refusing to correct or delete the entry despite my previous disputes. 

Given the inaccuracies surrounding this account, I request that you immediately remove this erroneous entry from my credit report. 

Enclosed, please find the following documents to support my claim : 1. A copy of my credit report highlighting the disputed account.

2. Documentation of prior communications regarding the dispute. 

Please confirm in writing once this dispute has been resolved and provide me with an updated copy of my credit report. 

Thank you for your prompt attention to this matter.
Consumer complaint received 2023-09-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Profit Recovery, Inc., Marlborough, MA Branch (IA)

I ran out of room to write this on the screen prior. I used XXXX XXXX XXXX XXXX XXXX to spray my lawn and paid them up front for the entire year. They left an invoice each time showing what they did and what it costs but which I always pitched because I paid the whole year in advance. They showed up the following year and sprayed my lawn again and left a bill. I called right away and told them I didn't want my lawn sprayed by them again because I wasn't happy with the way it looked after being treated of a year. I explained to them that I didn't sign into any agreement with them to do my yard again and have no standing contract with them. The salesperson I spoke with screamed at me on the phone so I hung up and wrote a letter to XXXX XXXX XXXX XXXX  and this was the last I heard until receiving a debt collection notice for {$47.00} today XX/XX/25. I don't understand how someone can attempt to collect something I didn't ask for or have a signed agreement ahead of time as a promise to pay so I was very surprised by the letter and I certainly don't feel I owe this company anything.
Consumer complaint received 2024-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SSN : XXXX DOB : XX/XX/year> Dispute of Inaccurate Information and Request for Account Deletion I am writing to formally dispute the accuracy of information contained in my credit report. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681c-2, I request the blocking of any information in my file that I identify as resulting from identity theft, within four business days of your receipt of this letter. 
Inaccurate Reporting : Under 15 U.S. Code 1681e ( b ) and 1681i ( 5 ), you are required to ensure that the information reported is 100 % accurate. The accounts listed in my credit report are in violation of these standards and have compromised my federally protected consumer rights to privacy and confidentiality under 15 U.S. Code 1681. 
Right to Privacy : Pursuant to 15 U.S. Code 1681, I have the right to privacy regarding my financial information. 
Furnishing of Accounts : According to 15 U.S. Code 1681 Section 604 ( a ) ( 2 ), a consumer reporting agency can not furnish accounts without my written instructions. I have not provided consent for the reporting of the disputed accounts. 
I request that you provide me with the original copies of the agreements and terms and conditions for the accounts in question. Failure to comply with this request will result in the necessity for you to delete the listed items from my report. 
Please delete these accounts from my credit report within four days of your receipt of this notice. If you fail to comply, I will seek to hold you accountable for {$1000.00} per account, as provided under the FCRA. 
I look forward to your prompt response. 
Sincerely, XXXX XXXX
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

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 XXXX XXXX, which falls under XXXX  according to TXXXXXXXX  Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ) .I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair CreditReporting Act. I am a XXXX XXXX XXXX XXXX XXXX XXXX XXXX and would like for all listed accounts to be blocked and deleted company informationTransunion. Please delete the following accounts. 

XXXX. XXXX XXXX Balance {$850.00} Account # XXXX XXXX Balance {$420.00} Account # XXXX XXXX. XXXX XXXX {$440.00} Account # XXXX XXXX. XXXX XXXX XXXX {$650.00} Account # XXXX XXXX. XXXX XXXX Balance {$4600.00} Account # XXXX XXXX. XXXX XXXX Balance {$1600.00} Account # XXXX XXXX. XXXX XXXX XXXX {$390.00} Account # XXXX XXXX. XXXX XXXX XXXX {$550.00} Account # XXXX XXXX. XXXX XXXX XXXX {$450.00} Account # XXXX
Consumer complaint received 2024-10-13
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. (VA)

I, XXXX XXXX XXXX, declare that my identity has been stolen and used to open various fraudulent accounts without my consent. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from my Transunion consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. The following accounts were opened in my name These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the fraudulent accounts and hard inquiries in question as well as a maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2024-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

Account XXXX XXXX XXXX XXXX is reporting inaccurate I am also enclosing a copy of report to support my complaint. ... 

Also according to 15 USC 1681 e ( b ) Accuracy of report - Whenever 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...

It also states in 15 USC 1681i ( 5 ) Procedures in case of Disputed Accuracy- If after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer an item of the information is found to be inaccurate or incomplete or can not be verified the consumer reporting agency shall remove item off consumer report... 
I have dispute account several times but ALL XXXX bureaus stating false statements saying its not, copy of report is attached to support my statement..
Consumer complaint received 2024-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit Reporting Act XXXXXXXX XXXX XXXX XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. states I have a right to privacy. 15 U.S.C1681 Section 604 A.Section A Section 2 : It also states a consumer reporting agency can not furnish an account without my written Instructions. 


This Account XXXX XXXX is paid and closed and it's over seven years old.
Consumer complaint received 2024-10-13
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. (SC)

I AM A VICTIM OF IDENTITY THEFT, THE ACCOUNTS LISTED WERE NOT AUTHORIZED BY MY PERMISSION AND OPEND WITHOUT MY KNOWLEDGE THESE ARE FRAUDULENT ACCOUNTS THAT NEED TO BE REMOVED. THE COMPANIES HAVE NOT PROVIDED ME WITH PROOF OF MY PERMISSION.