davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AL)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

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 2024-07-27
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. (IN)

I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.
Consumer complaint received 2024-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

XXXX dropped me XXXX points over a late payment to XXXX. Reporting late payments is illegal see FCRA. Also this was not a late payment it was a new loan with kikoff. My XXXX was supposed to raise my credit score due to my first loan being paid off with XXXX and yet they never raised my score by over XXXX points like they were supposed to after all loans were paid off. Its was never corrected and additionally dropped me XXXX points over inaccurate info so altogether I lost over a XXXX points over inaccurate info.
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) states : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX  XXXX XXXX {$110.00} XX/XX/XXXX XXXX  XXXX {$2800.00} XX/XX/XXXX XXXX XXXX  XXXX {$490.00} XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX XXXX  XXXX {$2800.00} XX/XX/XXXX XXXX  XXXX {$2800.00} XX/XX/XXXX XXXX  XXXX {$1200.00} XX/XX/XXXX XXXX XXXX XXXX {$1800.00} XX/XX/XXXX 15 U.S.C, 1681section 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 an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-07-27
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. (IL)

In XXXX of this year I reached out to Transunion and told them that they had all of my personal information reported incorrectly and I noticed that there were accounts on the report that didnt belong to me. I told them that they needed to fix all of this and they told me to put it in writing so I did. THEY DID NOTHING! I wrote them and disputed again in XXXX and again THEY DID NOTHING. Not even a response! They are intentionally ignoring me and refusing to abide by consumer laws put in place to protect me. It is now XXXX and my credit report is still WRONG. I feel violated and humiliated when I look at my report and/or when anyone else does too. This is not right at all!
Consumer complaint received 2024-09-25
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. (NC)

Dear Transunion Team, I hope this letter finds you well. My name is XXXX XXXX, and I am the Founder & Director of Agape Advocate Consulting, a NGO dedicated to assisting victims of human trafficking, particularly those impacted by debt bondage. Our mission is to provide comprehensive support services, including legal assistance, counseling, and financial education, to help survivors rebuild their lives. 


Under the Debt Bondage Repair Act, we are committed to advocating for the rights of victims and ensuring they receive the resources necessary to escape the cycle of exploitation. We believe that collaboration with organizations like Transunion is crucial in our efforts to restore financial stability and dignity to these individuals. 


Transunion has willfully and negligently continued to deny the block requests of survivors coming from my agency. I have attached a copy of the authorization letter to this correspondence. I, XXXX XXXX, am the authorized representative for the victims and survivors. 


TRANSUNION is declining the request to block information for human trafficking survivors. Agape Advocating Consulting is an accredited NGO authorized by the North Carolina Attorney General. I have attached the Authorization Letter to this complaint. These victims and survivors are being deprived of an equitable resolution under the Debt Bondage Repair Act and Transunion is violating FCRA 605C by delaying the process of blocking information within 4-5 business days.
Consumer complaint received 2024-07-26
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. (TN)

PLEASE BLOCK AND REMOVE Kindly remove this unauthorized account from my credit report, as it does not pertain to me. I request an immediate investigation to correct any other inaccuracies present.
Consumer complaint received 2024-09-24
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)

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contest of Complaint : This CFPB Complaint has been filed to request pursuant to FCRA & 605B ( 15 U.S.C. & 1681 c-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 with in 4 business days of youreceiving this complaint. This fraudulent, inaccurate, and false information consists ofa personal credit card account opened at XXXX XXXX on XX/XX/XXXX under theaccount number ( XXXX ) an auto loan opened at XXXX XXXX on XXXX XXXX the account number ( XXXX ). Personal Credit card opened on XXXX on XX/XX/XXXX under the account number ( XXXX ). PersonalCredit Card opened at XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ), Personal Credit Card opened XXXX XXXX on XXXX XXXX the account number of ( XXXX ), Personal Credit Card opened XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ), Collection account opened at XXXX XXXX serv on XX/XX/XXXX under the account number ( XXXX ), a collection account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ), a personal loan opened at XXXX XXXX XXXX XXXX under the account number ( XXXX ), a collection XXXX XXXX opened 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 FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of a consumer FICO credit report maintained by you which shows the aforementioned accounts, collections and hard inquiriesappearing on my consumer credit report maintained by you were not opened, madeor 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 theftCriminal 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 2024-07-28
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. (VA)

CFPB, im reporting this company this company to you because this company shares consumers personal information/ credit report. This business reports information TRANSUNION LLC XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX, United States XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-26
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. (NC)

I submitted a lot of complaints regarding my concern about the removal of the Bankruptcy that I have on my credit report. XXXX clearly stated that they could not locate the following Bankruptcy records on my file. Bankruptcy Filing No. XXXX If XXXX can't locate it on my file. It means that these records are not mine and a result of FRAUD/ERROR and it needs to be remove on my credit report immediately, as you know they are in violation of the Fair Credit Reporting Act. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (AL)

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 


Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2024-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I am writing regarding my recent dispute involving an account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, account number XXXX. On XX/XX/year>, I submitted a formal dispute to TransUnion, identifying this account as fraudulent. Following this, on XX/XX/year>, the account was deleted from my credit report after I submitted an FTC Identity Theft Report. However, I was not notified of the account deletion, as required by Section 611 ( a ) ( 6 ) of the Fair Credit Reporting Act ( 15 U.S.C. 1681i ( a ) ( 6 ) ), which mandates that consumers be informed of the results of any dispute investigation. 

Additionally, I am formally requesting all documentation related to dispute number XXXX, in accordance with my rights under 15 U.S.C. 1681g, which entitles consumers to access information in their file, including the results of any investigation and the source of disputed information. 

On XX/XX/year>, at XXXX XXXX XXXX, I spoke with a supervisor at TransUnion regarding this account. The supervisor informed me that the creditor, XXXXXXXX XXXX XXXX XXXX XXXX XXXX, had reinserted the account into my credit report. Despite my concerns, the representative stated that " TransUnion does not investigate disputes '' and that I would need to wait 30 days for the creditor to respond. This statement appears to conflict with the requirements of XXXX XXXXS.C. 1681i ( a ) ( 1 ) ( A ), which obligates a consumer reporting agency to conduct a reasonable reinvestigation of any disputed information unless the dispute is deemed frivolous or irrelevant.

Furthermore, 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) requires that, if a deleted item is reinserted into a consumers file, the consumer must be notified within five business days, along with the reasons for the reinsertion and the source of the information. As of the date of this letter, I have not received any such notification.

I respectfully request immediate action to rectify this situation, including : 1. Documentation related to dispute number XXXX and the deletion of the XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX account. 
2. Confirmation of the steps taken to investigate my original dispute, as required by law.

3. An explanation of how and why this account was reinserted without proper notification, per 15 U.S.C. 1681i ( a ) ( 5 ).

Failure to comply with these requests may result in further action to enforce my rights under the FCRA.

Thank you for your prompt attention to this matter. I look forward to your response within the timeframe required by law. 

Respectfully,
Consumer complaint received 2024-09-25
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)

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 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 2024-09-25
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. (TX)

" I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ).

"
Consumer complaint received 2024-09-25
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. (WI)

I am writing to dispute several hard inquiries on my credit report that were made without my authorization. These inquiries were not initiated or approved by me, and therefore, I request their immediate removal from my credit report in compliance with the Fair Credit Reporting Act ( FCRA ).
Consumer complaint received 2024-08-06
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)

To whom it may concern, I received a copy of my credit report and noticed that you are reporting inaccurate information in the personal information section of my credit report. To diminish speculation my information is as follows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX
Consumer complaint received 2024-09-25
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. (CT)

Please remove fraudulent accounts and hard inquiries off my credit profile from XXXX, XXXX and TransUnion Immediately! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-09-25
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. (MO)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to TXXXX Final Rule XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to section XXXX of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only XXXX are required per the XXXX. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Consumer complaint received 2023-03-21
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. (GA)

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

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Bankruptcy Account Number : XXXX Account Name : XXXX XXXX Bankruptcy Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or a list of Inquiries : 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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.