davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-22
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. (KS)

New Information being submitted : FTC # XXXX I've been a victim of Identity theft and have reached out to the credit bureaus, however fraudulent information is still being reported. I've complied and filed a new FTC complaint. 
This has negatively impacted my score taking me from low XXXX to XXXX 's and I've been denied a home loan. 

The accounts in question 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Sincerely
Consumer complaint received 2023-07-18
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: EQUIFAX, INC. (NC)

Despite sending written requests to the XXXX and Equifax Credit Reporting Agencies, my pleas for proper verification and deletion of erroneous information on my credit reports have been ignored. I previously sent a dispute letter to the XXXX and Equifax Credit Reporting Agencies, but no response was ever received from them. I have obtained and reviewed a copy of my updated credit reports, and it is evident that the Credit Bureaus have disregarded my requests. Their willful non-compliance has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which clearly states that the continued reporting of unverified information, without any provided proof within the time allowed by law, is not authorized. 
The following erroneous information is still present on my credit report and has significantly impacted my credit score. I am seeking your assistance in promptly having these items deleted from my Credit File : XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$2100.00} XXXX XXXX  XXXX XXXX Balance : {$1800.00} XXXX XXXX XXXX XXXX Balance XXXX {$490.00} XXXX XXXX XXXX XXXX Balance : {$9300.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$31000.00} XXXX XXXX  XXXX Balance : {$7100.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$1600.00}. 
These items have severely damaged my Credit File, and I urgently request that the XXXX and Equifax Credit Reporting Agencies remove these accounts completely from my Credit File without any hesitation or excuses. Your prompt assistance in resolving this matter is greatly appreciated.
Consumer complaint received 2024-07-22
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. (IL)

PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.
Consumer complaint received 2024-07-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am requesting for XXXX XXXX XXXX to be removed from my credit report due to failure to validate debt. A letter was sent on XX/XX/XXXX and no response was sent back. Remove from credit report
Consumer complaint received 2024-07-22
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. (TX)

My repeated efforts to resolve the issue of false, inaccurate, and misleading information on my consumer report have been unsuccessful. These entries have severely disrupted my life, inducing considerable stress and XXXX. As a victim of identity theft, I must emphasize that I never authorized or agreed to have this information associated with my name.
Consumer complaint received 2024-07-22
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. (MI)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :
Consumer complaint received 2024-07-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-07-22
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. (KS)

New Information being submitted : FTC # XXXX I've been a victim of Identity theft and have reached out to the credit bureaus, however fraudulent information is still being reported. I've complied and filed a new FTC complaint. 
This has negatively impacted my score taking me from low XXXX to XXXX 's and I've been denied a home loan. 

The accounts in question 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Sincerely
Consumer complaint received 2024-07-22
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)

I sent a letter regarding an inaccurate and unknown things on my credit report, Items under my name that is a result of Identity Theft and I have already files the proper documentation for these and.to this day over 45 days later the bureaus but they did not remove them. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly.
Consumer complaint received 2024-07-22
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. (MI)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-07-22
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. (MA)

Despite my previous three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. In their responses to my dispute letters, they stated that they have verified the items listed as accurate but failed to send me copies of the documents used to verify these accounts, as per my request. 

Their failure to provide these documents indicates that they can not and did not verify any of the disputed accounts as claimed. Furthermore, their failure to delete the disputed accounts that they can not verify after three written requests demonstrates a willful disregard of Federal Law.
Consumer complaint received 2024-07-22
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. (AR)

I, XXXX XXXX, do hereby state that the following information is true. 

XXXX  creditors and items are being reported on my credit report that I have no knowledge of and believe should be removed. I have filed a complaint with the Consumer Financial Protection Bureau ( CFPB ) and XXXX IdentityTheft complaint # XXXX.Below are the specific accounts and inquiries in question : Accounts to be Removed : 1. XXXX XXXX - Account Number : XXXX - Amount : XXXX/ XXXX Account XXXX. XXXX XXXX - Account Number : XXXX - Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX - Account Number : XXXX - Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX  - Account Number : XXXX - Date : XX/XX/XXXX XXXX. XXXX XXXX - Account Number : XXXX - Date : XX/XX/XXXX XXXX. XXXX - Account Number : XXXX - Date : XX/XX/XXXX Additional Requests : - I need the block on my online access removed. 

Additional Accounts : - XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX - XXXX  XXXX  # XXXX Inquiries to be Removed : XXXX. XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX - Date : XX/XX/XXXX XXXX. XXXX XXXX - Date : XX/XX/XXXX Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-07-22
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 attended XXXX XXXX XXXX and XXXX XXXX XXXX in XXXX, GA, and moved to XXXX, GA within three months of starting the XXXX XXXX XXXX When the school moved from XXXX, GA to XXXX, GA they indicated that they had misplaced all of the school documents and we needed to complete all documents and " sign only '' for our financial aid report. We were also told that the school lost its accreditation, and they were in the process of separating from the affiliate school in XXXX, TX. All students would be refunded any fees associated with any hardships they faced while trying to obtain documentation to show the Department of Education that they met the requirements for the program. This process lasted so long that we were told we had to complete our externship and for us to transfer any credits to another institution we would be charged for the entire program. They kept gaslighting us with promises of correcting the issue and everything would be taken care of. I completed the program entirely in XX/XX/XXXX, they signed another financial aid document again when I was no longer at the school. From XX/XX/XXXX to XX/XX/XXXX, I did not attend any classes at the school, and we were told that if we completed the course we had to wait until XX/XX/XXXX to officially graduate because they did not have enough students to perform a graduation ceremony. 
It wasn't until I started to register for school in XX/XX/XXXX, that I became aware of all of the XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX had filed for in my name during the program ended. I traveled back to XXXX, GA to figure out what was going on they had moved from XXXX to XXXX, GA, they had changed the curriculum, and none of the financial aid faculty was at the school, one of the professors was now the Dean of the School ( which he was aware of the fraud that was going on ). I asked for documents showing where I had permitted them to apply for financial aid, how I was charged for a program when I had already completed the program, and why were documents showing where I was charged for the program when we were told back in XXXX that we would not be charged because of the separation from the school and the loss of accreditation. 
I filed a complaint with the Department of Education about the school and nothing was reported back. The school closed due to fraudulent activity, and they could not show students accreditation and no credits could be transferred to another institution due to mishandling of student information.
Consumer complaint received 2024-07-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I am writing to file a formal complaint regarding unauthorized credit inquiries that have appeared on my credit report. I believe these inquiries were made without my permission, and I am requesting that they be investigated and removed from my credit file. Below are the details of the unauthorized inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXX/XX/XXXX These inquiries are negatively impacting my credit score and have caused me considerable distress. I did not authorize any of these entities to conduct credit inquiries, and I am concerned about the potential misuse of my personal information. 

I request that the CFPB investigate these inquiries and take appropriate action to have them removed from my credit report. Additionally, I would like to be informed about the steps taken to address this issue.
Consumer complaint received 2023-11-23
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: EQUIFAX, INC. (MA)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-22
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)

I'm personally lodging this complaint about late payments on my credit record. My review revealed these late payment entries. Despite sending inquiries over a month ago, I've received no response or adequate validation. I'm seeking your help to address this issue swiftly and effectively.
Consumer complaint received 2024-07-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-07-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to formally request the removal of several accounts and inquiries from my credit report. These accounts and inquiries are unauthorized and does not belong to me. The presence of data breach has negatively impacted my credit standing, leading to a significant drop in my FICO score.

Upon reviewing my credit report, I discovered multiple accounts and inquiries that I did not recognize or authorize. These inaccurate information in my report have resulted in negative remarks that are adversely affecting my credit score and financial reputation.
Consumer complaint received 2024-07-22
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. (SC)

I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.
Consumer complaint received 2023-11-23
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: EQUIFAX, INC. (CA)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-14
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: EQUIFAX, INC. (GA)

File a complaint with the CFPB against Equifax Equifax responded that the information was not reporting on my credit file, and I would recived an updated report to show that I never recived anything from Equifax. The account is still reporting!
Consumer complaint received 2023-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

Under consumer law Titled 15 U.S. Code 1681b - Permissible purposes of consumer reports In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. 

15 U.S. Code 1692c - Communication in connection with debt collection. 
Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : These negative item does not meet the XXXX reporting requirements. I do not recognize how and why it is reporting delete immediately. 

therefore these following account fall under these parameters of consumer law XXXX management acct # XXXX Receivables performance acct # XXXX
Consumer complaint received 2023-11-23
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: EQUIFAX, INC. (IN)

RE : DISPUTED INQUIRIES To whom it may concern, as of XXXX XXXX, I disputed inquiry errors on my credit report. The inquiries I submitted to all credit reporting agencies are erroneous and were made without my written consent and authorization. I have not received any response from the credit reporting agencies with in the 15 day time frame according to the FCRA law. I have a right to a receive a response from the credit reporting agencies to these inquiries I did not consent too.