davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

i disagree with the account listed below which still appears on my credit report, i would like this item immediatly re-investigated, the inaccuracies are highly injurious to my credit score ( XXXX  WITH A REPORTING BALANCE OF {$0.00} AND A HIGHEST BALANCE OF {$4100.00} ) in accordance with the fair credit reporting act, public law 91-506, tittle VI, subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that i may follow up. please send me an updated copy of my credit report after your reinvestigation. send it at my email at XXXX and my social is XXXX
Consumer complaint received 2024-10-24
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)

Subject : Request to Block and Delete Accounts Due to Identity Theft Pursuant to 15 USC 1681c-2 ( a ) To Whom It May Concern : I am writing to formally notify you that I have become a victim of identity theft as a result of a recent data breach OF XXXX. In accordance with my rights under 15 USC 1681c-2 ( a ), I am requesting that you block and permanently delete any fraudulent accounts, inquiries, or information associated with the identity theft from my credit report. I am also attaching proof that I was a victim of the XXXX XXXX breach, and I kindly request that this information be considered as part of my claim. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBERXXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within FOUR business days. To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX Account XXXX XXXXXXXX Amount : {$0.00}
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Im writing to inform you about an ongoing issue Ive been dealing with involving identity theft. It appears that a company or possibly a lawyer has been filing incorrect public records in my name, including false legal filings like bankruptcies. These records do not belong to me, and I believe theyve been intentionally submitted by an external party. This situation has caused significant damage to my financial standing and credit report. Im currently working to dispute these fraudulent filings, but I wanted to make you aware of the situation as I continue to resolve it.
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

i disagree with the account listed below which still appears on my credit report, I would like this item immediately re-investigated, the inaccuracies are highly injurious to my credit score ( XXXX XXXX WITH A REPORTED BALANCE OF {$1600.00}. ) in accordance with the fair credit reporting act, public law 91-506, tittle VI, subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that i may follow up. please send me an updated copy of my credit report after your reinvestigation. send it at my email at XXXX and my social is XXXX
Consumer complaint received 2024-08-30
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. (MA)

I called XXXX they cut me off and asked to the call creditors this was in XXXX then I notices that my scored dropped again and so saw the inquirires grow how ever new inquiries have came up this issue has started since XXXXXXXX XXXX XXXX when my wallet and cell phone were stolen I have made a request to all other credit agencies and they immeditley removed the fraud information when they got the ftc report and police report stating the inquirires for the month all but one XXXX I have recived multiple letters at my email stating its not me but a third party I call get verrified and they still will not honor my request I am attching all the evidence need it to get the inquirires removed
Consumer complaint received 2024-10-23
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. (PA)

Transunion continues to report inaccurate and unverifiable information on my consumer report. I am demanding that they comply and delete the accounts stated in the attached dispute
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

i disagree with the account listed below which still appears on my credit report, i would like this item immediatly re-investigated, the inaccuracies are highly injurious to my credit score ( XXXX XXXX XXXX. XXXX. WITH A REPORTED BALANCE OF {$1600.00} ) in accordance with the fair credit reporting act, public law 91-506, tittle VI, subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that i may follow up. please send me an updated copy of my credit report after your reinvestigation. send it at my email at XXXX and my social is XXXX
Consumer complaint received 2024-11-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: U.S. BANCORP (GA)

Just started business with US Bank on XX/XX/year>. I created a checking accounts, savings account, credit card account, two IRAs, and a brokerage account. I currently have two pre-existing IRAs moving to US Bank via XXXX from XXXX XXXX worth roughly $ XXXX and just attempted to transfer $ XXXX on XX/XX/year> from a XXXX XXXX savings account to the US Bank savings account. During the savings account transfer, the US Bank website requested me to verify my account by sending a push notification to my US Bank mobile app. Upon successful biometric verification in the app, the website then said it encountered an error and logged me out. When I immediately attempted to log back in, I was notified that my account login was disabled. The error message I now receive is " Your login is XXXX. Please call XXXX for help. '' I immediately called customer care and was told that I need to wait XXXX hours before being able to have access to my US Bank account. I was told I will need to call in again on XX/XX/year> as my account will not be automatically re-enabled. I have large transfers inbound and direct deposit setup to be received from my employer but now have no ability to see anything wihthin my accounts as US Bank has chosen to disable my access through some vague process that is archaic and doesn't give customer support agents authority to override.
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Im extremely frustrated to see INACCURATE PUBLIC RECORD INFORMATION appear on my credit report this morning for no reason. I checked it like I usually do, but this time, these discrepancies came out of nowhere. I tried refreshing the page, hoping it was just an error, but the inaccuracies stayed. I urgently need the documents I've provided to be reviewed thoroughly so this issue can be fixed, and I can finally have peace of mind.
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

XXXX and XXXX are showing my XXXX XXXX  bankruptcy as discharged, Transunion is playing games not showing as discharged, they are impossible to communicate with on subject
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to dispued account on my credit report that were made without my consent. According to section 604 of the fair credit reporting to section ( 15 U.S.C 168 1B ), THERE ARE SPECIFIC PERMISSIBLE PURPOSES FOR OBTAINING A CREDIT. I did not authorize these account and can not find any permissible purpose under this section that justifies their presence on my report. PLEASE DELETE ACCOUNT XXXX XXXX ACCOUNT NUMBER XXXX
Consumer complaint received 2024-10-23
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. (PA)

transunion has not complied with any of my requests. Other agencies such as XXXX  and XXXX has deleted the information stated in the attached as it was inaccurate but transunion refuses to follow. This will lead me to litigation.
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I don't have any idea about this account. This is purely identity theft. This account damaging my good credit reputation! 

DELETE THIS IDENTITY THEFT ACCOUNT ASAP!!! 

XXXX XXXXXXXX - Late 120 Days XXXX XXXX XXXX XXXX Collection/Chargeoff XXXX XXXX XXXX Late 120 Days XXXXXXXX XXXX XXXX Collection/Chargeoff XXXXXXXX XXXX XXXXXXXX Collection/Chargeoff XXXX XXXX XXXX Collection/Chargeoff XXXX XXXX Collection/Chargeoff I will never stop filing complaints against you because I know my rights! 

In accordance with the Fair Credit Reporting act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of 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.
Consumer complaint received 2024-10-22
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)

RE : XXXX Block Request To Whom It May Concern, I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that XXXX 
ACCOUNTS : XXXX XXXX XXXX XXXXXXXX - XXXX - XX/XX/year> - {$3200.00} Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Consumer complaint received 2024-10-24
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. (CA)

This is really worrying, applications were done in my name, I don't recognize these fraudulent inquiries nor have authorized them or applied to them, resulting in my credit report being pulled up by these companies and hurting my credit score and be used for potential fraud and identity theft. I have contacted the bureau and a representative told me that they would be deleted from my credit report but I still see it, it's adding unnecessary stress in my life.
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am filing this FTC Identity Theft to report 2 separate fraudulent accounts appearing on my consumer FICO credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a. CREDIT CARDS opened at XXXX XXXX {$4200.00} on XX/XX/XXXXXXXX XXXX XXXX opened at XXXX XXXX {$6100.00} on XX/XX/XXXX 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 each of my consumer credit reports and that akk collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.
Consumer complaint received 2024-10-23
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. (OK)

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 2024-10-24
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 couldnt believe it when I checked my credit report today and saw accounts that dont belong to me. I check my credit often, but this was the first time I saw such errors. I even tried refreshing my browser to see if it was a mistake, but nothing changed. Im requesting that the documents Ive sent are closely examined, so I wont have to deal with this stress again.
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Recently I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragrap
h ( 1 ) 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 shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following items from my credit report, immediately : XXXX *********** XXXX XXXX {$490.00} Account number XXXX Date opened XX/XX/XXXX XXXX  XXXX {$1100.00} Account number XXXX  Date opened XX/XX/XXXX XXXX  XXXX {$450.00} Account number XXXX Date opened XX/XX/XXXX XXXXXXXX XXXX XXXX {$1200.00} Account number XXXX Date opened XX/XX/XXXX XXXX XXXX  {$7100.00} Account number XXXX Date opened XX/XX/XXXXXXXX XXXX XXXX {$6600.00} Account number XXXX Date opened XX/XX/XXXXXXXX XXXX XXXX {$2800.00} Account number XXXX Date opened XX/XX/XXXX XXXX {$1200.00} Account number XXXX Date opened XX/XX/XXXX XXXX XXXX XXXX {$1200.00} Account number XXXX Date opened XX/XX/XXXX XXXX XXXX  {$47000.00} Account number XXXX Date opened XX/XX/XXXXXXXX XXXX XXXX {$9600.00} Account number XXXX Date opened XX/XX/XXXX TransUnion *********** XXXX XXXX  XXXX  {$0.00} Account XXXX XXXX Date opened XX/XX/XXXX XXXX XXXX {$7100.00} Account number XXXX Date opened XX/XX/XXXX XXXX {$1200.00} Account number XXXX Date opened XX/XX/XXXX XXXX  XXXX  {$6600.00} Account number XXXX Date opened XX/XX/XXXXXXXX XXXX XXXX XXXX  {$0.00} Account number XXXX Date opened XX/XX/XXXX XXXX XXXX XXXX XXXX {$9600.00} Account number XXXX Date opened XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX {$2700.00} Account number XXXX Date opened XX/XX/XXXXXXXX XXXX XXXXXXXX {$1200.00} Account number XXXX Date opened XX/XX/XXXX XXXX *********** XXXX XXXX XXXX XXXX  {$9600.00} Account number XXXX XXXX Date opened XX/XX/XXXXXXXX XXXX XXXX XXXX {$6600.00} Account number XXXX XXXX Date opened XX/XX/XXXX XXXX XXXX  {$7100.00} Account number XXXX XXXX Date opened XX/XX/XXXX XXXXXXXX XXXX XXXX {$0.00} Account number XXXX XXXX Date opened XX/XX/XXXXXXXX XXXX {$1200.00} Account XXXX XXXX XXXX Date opened XX/XX/XXXXXXXX XXXX XXXX {$1200.00} Account number XXXX XXXX Date opened XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX {$47000.00} Account number XXXX XXXX Date opened XX/XX/XXXX
Consumer complaint received 2024-10-22
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. (TN)

I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

RE : XXXX  Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX  - XXXX - XX/XX/XXXX - {$3500.00} XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$0.00} XXXX  XXXX - XXXX - XX/XX/XXXX - {$11000.00} XXXX  - XXXX - XX/XX/XXXX - {$8900.00} XXXX  - XXXX - XX/XX/XXXX - {$1100.00} XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$0.00} XXXX XXXX  - XXXX - XX/XX/XXXX - {$850.00} XXXX XXXX  - XXXX - XX/XX/XXXX - {$1100.00} XXXX XXXX  - XXXX - XX/XX/XXXX - {$1000.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$650.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$2900.00} Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to dispued account on my credit report that were made without my consent. According to section 604 of the fair credit reporting to section ( 15 U.S.C 168 1B ), THERE ARE SPECIFIC PERMISSIBLE PURPOSES FOR OBTAINING A CREDIT. I did not authorize these account and can not find any permissible purpose under this section that justifies their presence on my report. PLEASE DELETE ACCOUNT NETCREDIT/REPUBLIC BAN ACCOUNT NUMBER 2023FL
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Subject : Complaint Against TRANSUNION for Violation of Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against TRANSUNION for its refusal to remove a charge off account from my credit report in violation of the Fair Credit Reporting Act ( 15 USC 611 ). 

Account Information : Creditor Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Date of Charge Off : XX/XX/year> Amount : XXXX I have previously disputed the accuracy of this charge off account with TRANSUNION and provided evidence that the information is inaccurate. However, TRANSUNION has failed to conduct a proper investigation and continues to report the inaccurate information on my credit report. 

Under the Fair Credit Reporting Act, I have the right to request the removal of inaccurate or outdated information from my credit report. TRANSUNION refusal to comply with this law is a clear violation of my consumer rights. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against TRANSUNION for its non-compliance with the Fair Credit Reporting Act. I am seeking the immediate removal of the inaccurate charge off account from my credit report. 

Thank you for your attention to this matter. I look forward to a prompt resolution and your assistance in ensuring that TRANSUNION upholds its obligations under the law. 

Sincerely, XXXX XXXX XXXX