davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-20
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)

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2024-08-20
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. (TX)

According to my research about FCRA 605, Credit Bureaus are required by law to remove any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-20
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. (WA)

Heres the draft of your new dispute letter to TransUnion regarding the unauth **TransUnion Consumer Solutions** XXXX XXXX XXXX  XXXX **Subject : Dispute of Unauthorized Hard Inquiry by XXXX XXXX** To Whom It May Concern, I am writing to dispute an unauthorized hard inquiry that was placed on my credit report by XXXX XXXX  in XXXX XXXX This inquiry was done without my permission, and it is a violation of my rights under federal law. I have previously disputed this matter, but it was incorrectly verified by TransUnion. Despite my request, XXXX XXXX  has not provided any documentation or details on the steps taken to verify this inquiry. 

**Violation Details : ** 1. **Unauthorized Hard Inquiry : ** XXXX XXXX  performed a hard inquiry on my credit file without my explicit authorization. This is a violation of my consumer rights under 15 USC 1681c-2 and Section 1643. 

XXXX. **Failure to Properly Verify : ** Although I disputed this inquiry, the response I received was merely a verification without any explanation or documentation of the steps taken to verify the accuracy of the inquiry. This lack of transparency is unacceptable. 

**Legal Obligations Under FCRA Section 605B : ** FCRA Section 605B requires credit reporting agencies to block the reporting of any information resulting from identity theft or unauthorized actions within XXXX business days of receiving notice. This mandate is clear and leaves no room for discretion. Given the circumstances surrounding this inquiry, I expect TransUnion to adhere to this legal requirement and promptly block and remove the unauthorized hard inquiry from my credit report. 

FCRA Section 605B states : > " A consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt by such agency of ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer ; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. '' **Requested Remedy : ** I request that TransUnion immediately block and remove the unauthorized hard inquiry by XXXX XXXX  from my credit report, as required by FCRA Section 605B. This action must be completed within the mandated four-day period. 

Additionally, I ask that TransUnion restore my credit to its original state before this unauthorized inquiry was made and provide documentation detailing the steps that were taken during the initial investigation. 

Please confirm in writing that the hard inquiry has been removed and that my credit report has been updated accordingly. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-08-20
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. (NY)

XXXX XXXX XXXX XXXX Number : XXXX Date of Birth : XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , 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/XXXX under the account number ( XXXX ). 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 # 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 2024-08-20
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)

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you 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 XXXX XXXX XXXX on XX/XX/year> under the account number XXXX, with a balance of {$650.00} that appears related to the aforementioned Credit Card account opened at XXXX XXXX XXXX XXXX . These accounts have resulted in several fraudulent hard Inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 are the result of identity theft and fraud.
Consumer complaint received 2024-08-20
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. (CA)

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account though your company claims to have verified this. 

Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX TransUnion, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 
XXXX XXXX
Consumer complaint received 2024-08-20
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. (TX)

Consumer Name : XXXX XXXX XXXX, Consumer Social Security XXXX, Consumer Date Of XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant FCRA 605B ( 15 U.S.C 1681c-2 ) that Transunion, XXXX and XXXX XXXX reporting agencies, block information from appearing on my consumer credit reports that is a result of identity theft and fraud within 4 business days of you receiving this complaint. These separate fraudulent charge-offs, collections and inquiries on my consumer FICO credit report which I did not give my written permission to furnish information on my consumer reports. I was not warned before any transaction that I would be creating credit with a wet ink signature and I did not receive my 3 discosures pursuant FCRA Gramm leach Bliley ACT ( 15 U.S.C 6802a, which includes the option to opt-out of information being furnished to my consumer report. which proves these accounts is reporting fraudulently and committing identity theft. XXXX XXXX XXXX XXXX date XXXX, XXXX XXXX  XXXX acct XXXX XXXX XXXX XXXX, XXXX on XX/XX/year>, XXXX on XXXX XXXX XXXX XXXX  on XX/XX/year>. XXXX XXXX on XX/XX/year> and every address on my consumer report except XXXX XXXX XXXX, XXXX tx XXXX all these entries violates FCRA and FDCPA. Im requesting deletion in Good In Good Faith All rights Reserved These inaccurate and false information being furnished I do not recognize the aforementioned accounts, collections or hard inquiries as reported. These fraudulent entries thats appearing on my consumer report that is maintained by you were not opened, made or initiated by me and pursuant to FCRA 605b I did not give my written or verbal permissible purpose to do so. ALL of the aforementioned entries is 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 entries listed above are the result of identity theft and fraud. Failure to rectify this situation within 4 days will be the result of willfull non compliance pursuant FCRA ( 15 U.S.C 1681o ). Done In Good Faith-All Rights Reserved-Whithout Prejudice-Non Assumpsit.
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

My account with TRANSUNION was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports
Consumer complaint received 2024-07-28
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. (PA)

I reviewed my Consumer Reports and noticed I have incorrect items on my Consumer report that I was not aware of. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. 
I have never been late on payments and also I have no knowledge of these Fraudulent accounts and Fraudulent inquiries Please investigate and provide Proof with statements showing that these payments were late and that these Fraudulent accounts and Fraudulent inquiries are mine. 
If proof can't be provided I demand these payment accounts and inquiries be updated too on time as they should be as I was NEVER Late and the Fraudulent account and Fraudulent inquiries be removed. Thanks
Consumer complaint received 2024-08-20
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)

I am writing to formally dispute several unauthorized inquiries on my credit report that are the result of identity theft. These inquiries were not made by me, nor did I authorize them. As such, they should be removed from my credit report immediately in accordance with the Fair Credit Reporting Act ( FCRA ), specifically under U.S. Code 1681b. 

The inquiries I am disputing are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-20
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. (TX)

I recently locked my credit report with the assistance of my fiance. She is helping me. I am a XXXXXXXX XXXX XXXX XXXX. In XXXX, I got XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Since then, I have been XXXX XXXX XXXXXXXX XXXX each year. I am now XXXX XXXXXXXX. I have a XXXX XXXX and have no Drivers License in any state as I can not see XXXX foot in front of me currently. I have XXXX XXXX XXXXXXXX with the XXXX due to this XXXX. I am not sure who is attempting to apply for cars or automobile loans in my name, but it is not me. I have not provided anyone with permission to apply for anything in my name that pertains to a car since I can not drive one and I XXXX everywhere I go, unless someone drives me. See attached my state ID, and XXXX. I have been trying to lock or freeze my credit report. Your office stated it would be activated timely. It has yet to be activated to allow me to freeze my report to prevent future unauthorized and unwarranted inquiries. Please advise how you can fix it. I do not want to call your office to freeze and unfreeze my report. I should be able to do it through your app. The other bureaus allow me to do it. 

I need this address removed as it belongs to a relative and it is not mine. 

XXXX XXXX XXXX XXXX XXXX, TX XXXX Hard inquiries to be removed : XXXXXXXX XXXX XXXX XXXX  - Inquiry date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX I also have not been known by these names. My name is XXXX XXXX XXXX, XXXX. The following names are not who I identify with. Please remove the following names from my report. 

XXXX, XXXX, XXXX
Consumer complaint received 2024-08-20
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. (SC)

Dispute of Collection Account on Credit Report Dear CFPB I am writing to formally complaint because i found a collection account listed on my credit report. After reviewing my credit report, I noticed an entry that I believe is inaccurate and in violation of certain federal laws. The details of the account in question are as follows : Creditor/Collection Agency : XXXX XXXX XXXX Account Number : XXXX Date of Entry : XX/XX/year> Creditor/Collection Agency : XXXX XXXX XXXX Account Number XXXX XXXX Date of Entry : XX/XX/year> Creditor/Collection Agency : XXXX XXXX XXXX Account Number : XXXX Date of Entry : XX/XX/year> Creditor/Collection Agency : XXXXXXXX XXXX Account Number : XXXX Date of Entry : XX/XX/year> My dispute is based on the following federal statutes : 15 U.S.C. 6802 ( Gramm-Leach-Bliley Act - Privacy Protections ) : This statute regulates the disclosure of nonpublic personal information by financial institutions. I believe the collection account listed involves the unauthorized disclosure of my personal financial information, in violation of this privacy protection statute. 

XXXX XXXX. XXXX ( Fair Credit Reporting Act - Permissible Purpose ) : According to this section, a credit report can only be accessed for permissible purposes. I question whether the collection agency had a legitimate and permissible reason to access my credit report and report this account to the credit bureaus.

18 U.S.C. 1028A ( Identity Theft - Aggravated Identity Theft ) : This statute criminalizes the use of someone else 's identification in connection with the commission of certain felonies. If this collection account was opened or reported using fraudulent information or without my authorization, it could potentially involve identity theft.

Given these concerns, I request that you investigate this account in detail. Please provide me with the following : Proof of the legitimacy of the debt and the collector 's right to report this account.

Documentation of the permissible purpose under which the collection agency accessed my credit report.

Confirmation that my personal and financial information has not been mishandled or disclosed improperly.

Until this dispute is resolved and the account verified, I request that this collection account be marked as Disputed on my credit report.

Please respond to this dispute within the timeframe required by law 30 days for receiving this notice. Additionally, please provide me with written confirmation of the outcome of your investigation and any amendments made to my credit report as a result.

Thank you for your prompt attention to this matter.
Consumer complaint received 2024-08-20
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. (LA)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2024-08-20
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. (NJ)

There is an account incorrectly reporting 5 charged off months when an account can only be charged off once. This is false misrepresentation under 15 US Code 1692e. This XXXX XXXX account has already been removed from two other credit bureaus, but is still reflecting on my TransUnion report. If TransUnion had conducted a thorough investigation, they would have reached the same conclusion as the other agencies, since the company and account in question are identical. This inconsistency suggests that there may be a lack of proper validation across all three bureaus. 

If XXXX findings differ from the other credit bureaus, it raises concerns about the accuracy of the information being reported and suggests that the reporting company may not be acting transparently. This situation is impacting my credit rights, and I believe it is crucial for all credit reporting agencies to adhere to consumer laws that ensure fair practices. 

I would appreciate your assistance in addressing this matter. Thank you for your attention to this issue.
Consumer complaint received 2024-08-20
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. (NY)

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to have verified these. 
Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX TransUnion, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, XXXX, XXXX XXXX the courts ruled each and every time that the CRA couldn't merely " XXXX  '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the XXXX  in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-20
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)

XXXX - Account # : XXXX XXXX - Account # : XXXX I am a victim of identity theft, and several collection accounts have been fraudulently opened in my name without my knowledge or consent. These accounts are causing significant harm to my credit report. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c-2, I have the right to dispute and have fraudulent information removed from my credit report.