davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-07
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. (MS)

Statement Recently checking my credit report I noticed that Ive been a victim of identity theft and found numerous credit inquiries that I have no knowledge of hear are the inquiries I found XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>. Please remove these fraudulent items from my credit report. I also attached my identity theft report as well
Consumer complaint received 2024-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IA)

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/year> Urgent Demand for Immediate Correction of Inaccurate Reporting : Upon reviewing my Consumer Reports, I was enraged to find egregious inaccuracies regarding alleged late payments on an account where I have ALWAYS made punctual payments. Under the Fair Credit Reporting Act ( FCRA ), Consumer Reporting Agencies are REQUIRED BY LAW to ensure the HIGHEST degree of accuracy in reporting consumer information. I have NEVER missed a payment on the following account : XXXX XXXX XXXX [ XXXX ]. 


I DEMAND an IMMEDIATE and THOROUGH investigation into these blatant discrepancies within FOUR DAYS, as mandated by the FCRA. You are REQUIRED to provide undeniable evidence, such as detailed account statements, substantiating the alleged lateness of these payments. FAILURE to furnish such proof within the specified 4-day timeframe will lead to my INSISTENCE that these payments be corrected to reflect their accurate, ON-TIME status, in rigorous adherence to FCRA Section 611, which mandates accuracy and completeness in consumer reports.

I have consistently met my payment obligations ON TIME and WILL NOT TOLERATE this unacceptable situation. RECTIFY THIS IMMEDIATELY.
Consumer complaint received 2024-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.
Consumer complaint received 2024-10-05
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. (TX)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2024-10-05
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)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX Date of Birth : XX/XX/XXXX SS # : XXXX TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX Re : Request to Remove Inaccurate Credit Information To Whom It May Concern : Upon reviewing my credit report, I have identified the presence of inaccurate item ( s ) as follows : The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith..

1. The inquiry was not authorized XXXX XXXX Date of inquiry : XXXX DELETE INMEDIATLY THIS FRAUDULENT INQUIRIES/ ACCOUNTS PLEASE 2. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX DELETE INMEDIATLY THIS FRAUDULENT INQUIRIES/ ACCOUNTS PLEASE 3. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX DELETE INMEDIATLY THIS FRAUDULENT INQUIRIES/ ACCOUNTS PLEASE Here I attach, along with the dispute, my fraud report that I just sent to transunion for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved. 
I demand that the above inquiries be deleted from my credit file because they are causing irreparable harm to my name and good character as well as my overall credit capacity. 

Thank you for your attention and assistance in resolving this matter. 

Yours sincerely, XXXX XXXX
Consumer complaint received 2024-10-07
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. (CA)

I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within XXXX business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 


Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, XXXX XXXX XXXX XXXX holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action. 


XXXX Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA XXXX XXXX ( False and Misleading Representations ) and FCRA XXXX ( Identity Theft Claims ). These accounts are falsely reported as charge-offs. 
Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately. 
Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( XXXX ) ( A ) ( B ) ( i ) ( XXXX ). They must be deleted from my report. 

DELETE THIS ACCOUNTS IN MY CREDIT REPORT IMMEDIATELY!
Consumer complaint received 2024-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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

Account Information : Creditor 's Name : XXXX XXXX  Account Number : XXXX Dates of Late Payments : XX/XX/XXXX Nature of Complaint : I submitted a dispute to TransUnion disputing a late payment reported by XXXX XXXX . I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment made within the grace period : My payment for XX/XX/XXXX was made on time, which falls within the grace period set by XXXX XXXXXXXX Therefore, the account should not have been reported as 30 days late. 
Bank error resulting in delay : The payment was delayed due to an error in my bank 's processing system. I provided evidence that I initiated the payment on time, but it was not processed correctly by the bank, causing the late reporting. This error was beyond my control. 
Evidence provided : I have attached bank statements and payment confirmations showing that I initiated the payment before the due date. This documentation clearly demonstrates that the delay was due to a technical issue with the bank, not my negligence. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, TransUnion has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

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

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

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

Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-05
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)

Dear XXXX, XXXX XXXX XXXX, you have failed to verify and provide accurate information to the credit bureaus, reporting XXXX  day lates on my account. The burden of proof is on you to provide documentation that this account was late if you are not able to provide documentation that shows the account has been reported late, I am requesting a deletion. Per the federal law FCRA, XXXX have XXXX  days to provide this information XXXX  days allotted by FCRA.
Consumer complaint received 2024-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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

Account Information : Creditor 's Name : XXXX XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX Nature of Complaint : I submitted a dispute to TransUnion disputing a late payment reported by XXXX XXXX . I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment made within the 15-day grace period : My payment was made on time, which falls within the 15-day grace period provided by XXXX. As such, the account should not have been reported as 30 days late. 
Clerical error by XXXX : Despite making the payment on time, it was incorrectly recorded as late due to a clerical error on the creditors side. This error led to an inaccurate 30-day late report to the credit bureaus. 
Evidence Provided : I have attached bank statements and payment confirmations showing that the payment was made on time, clearly indicating that no delinquency occurred. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, TransUnion has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

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

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

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

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-10-05
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)

Over the last few months I have been disputing unauthorized inquiries on my account with all three credit bureaus, and they replied that the account has been verified and updated. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX HAS FRAUDULANTLY CHANGED DATES ON AN ACCOUNT THAT IS WELL PAST THE STATUE OF LIMITATIONS FOR COLLECTIONS. XXXX XXXX XXXX WAS CHARGED OFFIN XXXX BUT XXXX XXXX HAS REPORTED THE A CCOUNT AS BEING CHARGED OFF XXXX YRS LATER NOT ONLY VIOLATING MY RIGHTS BUT ALL LAWS GOVERNING ACCOUNTS BEING REPORTED TO CREDIT BRUREAS. REPORTING FRAUDLANT INFORMATION IS ILLEGAL. CHANGING AND ALTERING CREDIT INFORMATION IS ILLEGAL.
Consumer complaint received 2023-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXXXXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX - XXXX XXXX  Inquired on XXXX XXXX, 2022 XXXX XXXX  XXXX Balance XXXX {$130.00}
Consumer complaint received 2024-10-31
Product: Credit card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL (AZ)

I am submitting for a fourth time a complaint about an arbitrary reduction of my credit limit on my account from {$3000.00} to {$2100.00}. As a responsible cardholder who has consistently met all payment obligations without any delays or defaults, I find this action unjustified and detrimental to my creditworthiness. The sudden reduction in my credit limit has had a direct and negative impact on my credit utilization ratio, which is a significant factor in determining my credit score. However, this unwarranted decrease in my credit limit has now artificially inflated my utilization ratio, thereby causing a drop in my credit score. This arbitrary decision by Synchrony Financial not only undermines my financial standing but also jeopardizes my ability to secure credit in the future on favorable terms. A strong credit score is essential for obtaining loans, mortgages, and even securing lower interest rates. The reduction in my credit limit, without any valid reason, has unfairly compromised my creditworthiness and financial stability. I request another review of this decision and the reinstatement of my original credit limit of {$3000.00}. Additionally, I seek a clear explanation for this reduction to ensure transparency and to prevent any future occurrences that could further damage my credit profile. As a loyal customer, I expect Synchrony Financial to address this issue promptly and take corrective action to mitigate the harm caused to my credit standing. I will continue to file complaints until this is resolved to my satisfaction.
Consumer complaint received 2024-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

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

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

25 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 2024-10-05
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. (CA)

Dear CFPB, I am writing to formally request the removal of a fraudulent account from my credit reports. In or around XX/XX/year>, my card issued by XXXX was compromised. Upon discovering the fraudulent activity, I promptly contacted XXXX to report the issue. They subsequently canceled the account ; however, no one contacted me to review the fraudulent charges or provide clarification regarding the investigation. 

Despite my repeated requests, I have not received any information or an explanation from XXXX regarding the investigation. The physical card number was stolen, which XXXX has claimed is impossible. However, from my research and reading similar cases online, it seems such thefts are not uncommon. 

Unfortunately, this fraudulent account and its charges are still being reported on my credit files, negatively affecting my credit standing. As these charges were made without my knowledge or authorization, I kindly request that you assist me in having this inaccurate information removed from my credit reports at all relevant credit bureaus. 

I appreciate your prompt attention to this matter and thank you in advance for your assistance.
Consumer complaint received 2024-10-06
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. (NY)

i am writing to dispute unauthorized hard inquiries on my credit report from your agency and formally request that these inaccurate items be removed immediately, per my rights under the Fair Credit Reporting Act ( FCRA ). 
Specifically, I did not authorize the following hard inquiries to be made : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Under the FCRA , credit inquiries from companies I did not grant permission to are inaccurate items that must be removed from my credit report. These unauthorized hard inquiries also violate the Fair Debt Collection Practices Act ( FDCPA )
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2024-10-06
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)

Today I pulled my credit report and noticed that a XXXXXXXX XXXX  account along with two XXXX XXXX accounts appeared on my Transunion credit file. 

The XXXXXXXX XXXX account had been removed a few weeks ago after disputing and filing a CFPB claim. The account had different open dates then other credit reports. This account has reappeared on my credit report with different " date opened '' from other credit reporting agencies. ( File included ) The XXXX entry for Transunion shows derogatory for status and XXXX shows open and current for status. 

One of the XXXX XXXX accounts shows a Transunion " date opened '' of XX/XX/XXXX and a date opened in XXXX showing XX/XX/XXXX. Transunion is showing a balance of {$0.00} and XXXX is showing a balance of {$12000.00}. This same account is also showing different last reported dates. This XXXX XXXX account mentions an attached bankruptcy and the XXXX  credit report entry has no mention of any bankruptcy on this account. ( XXXX report included ) The other XXXX XXXX accounts shows a date opened in Transunion XX/XX/XXXX and for XXXX & XXXX XX/XX/XXXX. This same account shows a credit limit of {$1600.00} in Transunion, {$1900.00} in XXXX and a {$0.00} credit limit in XXXX.
Consumer complaint received 2024-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am writing to formally request an investigation into an unauthorized hard inquiry that appeared on my credit report. On XX/XX/year>, I received an alert regarding a hard inquiry from XXXX XXXX. This inquiry has negatively impacted my credit score, and I did not authorize it nor consent to any action that would prompt such an inquiry. I dispute the inclusion of this hard inquiry as I have no knowledge of it, and its presence on my credit report is fraudulent. The unauthorized nature of this entry has caused harm to my credit score, and there is no evidence to support its legitimacy. I respectfully request that this hard inquiry be removed from my credit report immediately.