davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I hope this message finds you well. I am writing to follow up on my previous request for assistance. As mentioned earlier, I have already provided all the necessary documents to address the issue regarding the item that does not belong to me.
Consumer complaint received 2024-07-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

Thank you for addressing some of the inaccuracies in my credit file. However, I am concerned that the examination may not have fully complied with the Fair Credit Reporting Act guidelines. I believe further action is needed to ensure the remaining accounts are accurate. I request another investigation and correction of the following accounts : XXXX : XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$54.00} ; XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$2600.00} ; XXXX XXXXXXXX Date Opened XXXX XX/XX/XXXX Balance Owed : {$760.00} ; XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1100.00} ; XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$35000.00} ; XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$520.00} XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$54.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed XXXX {$760.00} ; XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$35000.00} ; XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$520.00} XXXX : XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$54.00} ; XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$2600.00} ; XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$760.00} ; XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$34000.00} ; XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$520.00}. If your investigation can not verify the accuracy of the disputed information, please correct it immediately. Additionally, please provide a description of the procedure used to determine the accuracy and completeness of the information to the address provided.
Consumer complaint received 2024-07-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

In accordance with the Fair Credit Reporting Act. The account below has violated my federally protected consumer rights under 15 USC 6802 - Obligations with respect to disclosures of personal information, and 15 USC 1681-protected consumer rights to privacy and confidentialitXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX accordance with the Fair Credit Reporting Act. The account below has violated my federally protected consumer rights under 15 USC 6802 - Obligations with respect to disclosures of personal information, and 15 USC 1681-protected consumer rights to privacy and confidentiality I closed the account below and was told it would be removed from my Credit report by someone in Customer Service , I contacted the Company ( Self/Leads Bank ) by mail and with no response also by phone with only being able to be connected to Customer Service Reps who don't speak proper English and seem not to understand my rights have been violated. 

XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX U.S.C XXXX section XXXX ( A ). ( XXXX ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy.

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 seven years : 15 U.S.C 6802 States ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; ( C ) The consumer is given an explanation of how they can exercise that nondisclosure option.
Consumer complaint received 2024-07-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have items passed on that should be taken out or removed. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXX/XX/XXXX
Consumer complaint received 2024-07-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I have inquiries that are fraudulent and not authorized by me. I also have incorrect variations of my name and inaccurate address on my consumer file. Please see attached FTC report. I only have XXXX name that should be reporting which is XXXX XXXX and XXXX address XXXX XXXX XXXX XXXX, SC XXXX and NO previous addresses.
Consumer complaint received 2024-07-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.
Consumer complaint received 2024-07-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-07-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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>
Consumer complaint received 2023-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I find myself in a perplexing situation where I have followed every instruction provided by your bureau, yet my legitimate claim is met with rejection. My journey through this harrowing experience of identity theft has been nothing short of a nightmare. Every step I have taken, every document I have submitted, and every report I have filed with law enforcement agencies has been executed meticulously and in strict accordance with your instructions. However, instead of the support, guidance, and swift action that I expected to receive, I have encountered repeated roadblocks and the disheartening message that my identity theft claim is not valid. Here are the accounts that needs to be removed from my credit file : XXXX XXXX XXXX XXXXXXXX XXXX. Please delete this account ASAP. I also want these inquiries to be removed immediately : XXXX XXXX XXXX XXXX XXXX, 2023, XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXXXXXX XX/XX/2023.
Consumer complaint received 2024-07-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

In 2020 I filed a police report for fraud due to unknown unauthorized accounts on my credit report. I recently reached back out to all XXXX  credit bureaus and provide them a copy of the police report stating that the account with XXXX XXXX XXXX XXXX was open without my consent. XXXX and XXXX both removed the account immediately under the law and place that if any items are listed on your report that were open fraudulently, you must provide a copy of a police report stating that information. Equifax has refused to remove the account, even though the law states they must remove it. I have attached a copy of the police report and the deletion results from XXXX. 

Here is the account that was fraudulently open listed below. 

XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (WV)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

XXXX XXXX XXXX XXXX {$590.00} XXXX XXXXXXXXBalance {$0.00} XXXX  XXXX XXXX Balance {$1100.00} XXXX  XXXX Balance {$2400.00} XXXX  XXXX XXXX Balance {$6100.00}
Consumer complaint received 2024-07-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

One morning, I checked my credit report and there it was. Inaccurate accounts. Inaccurate accounts that I have no idea about. I don't know why it got there. I also don't know why it is reporting as mine but I know that IT IS NOT MINE. Which is why I want my documents to be checked thoroughly.
Consumer complaint received 2024-07-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

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 an Automotive loan that was opened XX/XX/year> under the account number # XXXX ). This account as result in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. The aforementioned accounts, collections and hard inquiries in question and maintained by you were not opened, made, or initiated by me. All the aforementioned accounts, collections and hard inquiries are the result in identity theft and fraud. I attached a copy of FTC Identity Theft Criminal Complaint 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 2024-07-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

On XX/XX/year>, I sent a letter to Transunion and asked them to investigate the accounts on my report to make sure everything was 100 % accurate on my credit report. However, they did not do it because they told me the investigation was complete on XX/XX/year>. 

I looked at my report on XX/XX/year>, and noticed some things were still incomplete and inaccurate. According to the Fair Credit Reporting Act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual to whom the report relates. 

These accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are not complete and accurate. 

Open dates, dates of last active, dateS of last payment are still not accurate. This is groundS for removal. They violated my rights under 12 U.S.C. 1681 Section 604 A Section 2 : This law clearly states a consumer reporting agency can not furnish an account without my written instructions.

And one more thing according to 15 USC 1681s-2 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. 

Check the attachments below.
Consumer complaint received 2024-07-18
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. (GA)

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

I looked at my Equifax credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( XXXX ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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 2024-07-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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 3rd party. They in fact did not come from a 3rd 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 2024-07-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-07-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-18
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'd appreciate it if you could update these reporting accounts as soon as possible. If you don't comply with the request, the accounts should be update right away. Upon contacting the companies responsible for these accounts, they admitted their fault and committed to correcting the errors by updating my payment history accurately. These inaccuracies were due to a system glitch that led to the erroneous reporting of late payments. 

It is perplexing that while other credit bureaus have already corrected the status of these accounts, your bureau continues to report these late payments. This inconsistency raises concerns about your bureau 's verification protocols to ensure accurate reporting. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX.
Consumer complaint received 2024-07-18
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. (WV)

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
DEPTEDXXXX XXXX Balance {$4300.00} DEPTEDXXXX XXXX Balance {$11000.00} XXXX XXXX  Balance {$0.00} XXXX XXXX Balance Owed : {$94.00} XXXX XXXX Balance {$25000.00} XXXX XXXX Balance {$12000.00} XXXX XXXX XXXX XXXX Balance {$3300.00} XXXX XXXX Balance {$3600.00} XXXX XXXX Balance {$0.00} XXXX XXXXXXXX Balance {$0.00} XXXX XXXX Balance {$0.00}
Consumer complaint received 2022-12-03
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: EQUIFAX, INC. (IL)

i reached out to the credit bureaus to verify everything on my report and they state everything was accurate. and I also did a thorough research myself and found improper accuracies on my reports even after they verified. 


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

15 U.S.C 1681 section 602A. 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 written instructions.

Documents attached have proof that the accounts open dates, balances, limits, last reported dates, comments, last day active, and date of last payment are all inaccurate on all bureaus. they all say different things. also 3 inquiries arent mine XXXX, XXXX, XXXX XXXX.