davidheineman/consumer-finance-complaints-large huggingface dataset:
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)

I see some items on my credit report that I dont know. It looks like someone might have stolen my identity because I didnt approve these accounts. Ive talked about this before, and now Im asking for these accounts to be taken off my report quickly. Having these accounts on my report is causing me stress. They dont show my real credit history or how I handle money, and its been hard dealing with this. If we cant fix this, Im ready to go to court to protect my rights and find a solution. These wrong items on my credit report are a big problem for me. Theyre stopping me from reaching important money goals, like buying a house and supporting my family. I hope we can fix this problem soon.
Consumer complaint received 2024-07-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This Account Originally of XXXX XXXX XXXX in which was reported to CFPB as well as FTC on XX/XX/XXXX due to being a victim of cyber identity theft as well as IRS Tax return Identity Theft. This account was fraudulently opened in which I had no knowledge of. The original complaint number : XXXX What correctly rectify by deletion from all credit bureaus as of XX/XX/XXXX. However, Recently this account has reappeared on my credit report as of XX/XX/XXXX as it has been sold to what seems to be XXXX XXXX XXXX stating the exact amount of the debt that have been originally deleted as of XX/XX/XXXX {$52000.00}. This reselling of a corrected unlawful Debt has hindered my credit health and needs to be deleted immediately without recourse.
Consumer complaint received 2024-09-05
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: NAVY FEDERAL CREDIT UNION (IL)

The creditor is refusing to remove derogatory entries associated with my consumer file violating 15 U.S. Code 1681a ( 2 ) ( A ) ( i ) a ) Definitions and rules of construction set forth in this section are applicable for the purposes of this subchapter.

( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. [ I.E. CREDITOR ] ( c ) The term consumer means an individual. [ I.E. CLIENT ] ( d ) Consumer Report.

( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title.

( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences [ I.E. PAYMENT HISTORY ] between the consumer and the person making the report ;
Consumer complaint received 2024-07-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. You deleted only one account with XXXX XXXX XXXX XXXX XXXX, but left the one that is still showing late payments on my credit report. It continue to have a negative effect on my credit report. I have never been late on payments for the account ( XXXX XXXX XXXX XXXX XXXX ) ( Account XXXX XXXX ). Please reinvestigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand this account be removed completed from my credit report as well. This account was never updated correctly, all you did was closed the account. Thanks.
Consumer complaint received 2024-07-22
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. (GA)

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Dear CFPB, I am writing to formally dispute a bankruptcy entry listed on my credit report. The bankruptcy, referenced as # XXXX, is a XXXX XXXX Bankruptcy filed on XX/XX/year>, and discharged on XX/XX/year>. Its continued presence on my credit report violates the Fair Credit Reporting Act ( FCRA ). 

Details of the Bankruptcy : Type : XXXX  XXXX Bankruptcy Status : XXXX Date Filed/Reported : XX/XX/year> Reference # : XXXX Closing Date : XX/XX/year> Asset Amount : {$0.00} Liability : {$0.00} Exempt Amount : {$0.00} Court : U.S. Bankruptcy Court Violations of the Fair Credit Reporting Act ( FCRA ) : Limit on Reporting Period : The FCRA stipulates that a XXXX  XXXX bankruptcy can be reported on a credit report for a maximum of 10 years from the filing date. However, due to its discharge date, it should not be impacting my current financial opportunities as it represents outdated and inaccurate information. 

Accuracy and Fairness : The continued listing of this outdated bankruptcy is inaccurate and unfair, adversely affecting my credit standing, which is against the FCRA 's requirement for accurate information. 

Obligation to Correct Errors : I have previously disputed this bankruptcy with the credit reporting agencies. Under the FCRA, they are required to investigate and correct any inaccuracies within 30 days, yet the bankruptcy remains on my report, indicating non-compliance. 

Consumer Notification : Upon resolving a dispute, credit reporting agencies must inform the consumer of any changes made to their report. I have not received any notification regarding this matter, which further contravenes the FCRA. 

I request the immediate removal of this incorrect bankruptcy entry from my credit report, as it is unjustly impacting my credit score and financial opportunities. 

Please confirm receipt of this letter and provide information on the actions taken to resolve this issue promptly. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX
Consumer complaint received 2024-07-24
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
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 unknown loan that was opened XX/XX/year> under the account number # XXXX 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. 
Collection Agency has not provided validation information under 12 CFR 1006.34 ( b ) ( 5 ) but yot they placed a collection on your consumer report.

You have not been given a chance to dispute account according to 12 CFR 1006.34 ( c ) ( 4 ) ( 1 ) Collection agency is violating your consumer rights by using false misleadin, misrepresentation and deceptive means. 
Collection agency has no authority to furnish any account to a consumer reporting agencies without providing any and all disclosures required by law and they are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A )
Consumer complaint received 2023-11-23
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MS)

I urge you to rectify my account without delay. Historically, I've always been punctual with my payments, and it feels unjust to face repercussions for an error not of my doing. This has become a major source of XXXX  for me, and I sincerely hope for a swift resolution.
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. (FL)

I wish to express my deep disappointment regarding the reporting provided by your organization, as documented in the enclosed document. It is regrettable to note that the aforementioned reporting falls significantly short of being comprehensive and fails to meet the standards I deem essential. As mandated by the law, it is crucial for both your esteemed entity and the data furnishers involved to undertake the certification of all facets pertaining to the obligatory Fair Credit Reporting Act ( FCRA ) and XXXX XXXX compliance. This certification must be executed with utmost integrity, accuracy, thoroughness, and timeliness, so as to avoid any inadvertent violation or infringement upon my consumer and civil rights
Consumer complaint received 2024-07-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX  - XXXX - XXXX Credit Bureau ( s ) Involved : -Credit Bureau ( s ) : XXXX XXXX XXXX, TransUnion I am filing this complaint due to the presence of inconsistent and inaccurate information on my credit reports from the above-mentioned credit bureaus. Despite my attempts to resolve these issues directly with the credit bureaus, the inaccuracies remain. The following items are examples of the discrepancies I have identified : 2. **Incorrect Account Information : ** - An account from XXXX XXXX XXXX with account number XXXX is inaccurately reported a open account on my XXXX and XXXX report, then reporting as collection / Chargeoff account on Transunion XXXX Date open shows XX/XX/XXXX on Transunion and XX/XX/XXXX on XXXX and XXXX Charge off accounts can't report a balance or past due amount Payment status is inconsistent Transunion and XXXX states Charge off and XXXX states 120 days past due Also Date of last Active are inconsistent with each other as well Lastly there are several Violations between all three beaus with not reporting accurate in consistent information all beaus are reporting different information that is coming from the same collection agency how is that i have seen several FCRA violations **Evidence of Inaccuracy : ** - Attached are copies of my credit reports highlighting the inaccuracies. 

- Also attached are copies of my dispute letters sent to the credit bureas **Impact of the Inaccuracies : ** These inaccuracies have caused significant damage to my credit score, resulting in the denial of several credit applications. Additionally, I have been subjected to higher interest rates on existing loans, causing financial hardship. The ongoing stress and anxiety from dealing with these issues have also affected my well-being. 



**Steps Taken : ** - I have submitted disputes to XXXX XXXX XXXX XXXX and TransUnion on XX/XX/XXXX. 

- XXXX, XXXX and TransUnion have not responded or have provided inadequate responses that have not corrected the inaccuracies. 



**Relief Sought : ** - I request that the CFPB investigate these discrepancies and ensure that the inaccurate information is corrected on my credit reports. 

- I seek confirmation in writing that these corrections have been made and deleted of my credit report from all credit beaus. 

- I request compensation for the damages caused by these inaccuracies, including the financial impact and emotional distress.
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. (OH)

Your company is in violation of the FCRA and XXXX Compliance And reporting violation.

15 USC 1681a ( d ) ( 2 ) ( A ) ( i )
Consumer complaint received 2024-08-15
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)

I am filing this complaint due to inaccurate late payment records for account XXXX  ( XXXX  ) on my credit report, despite my consistent fulfillment of obligations. My multiple disputes have only led to the account being 'validated ' without any certified proof of default. This situation clearly violates several laws : the company has failed to conduct a reasonable investigation into disputed information, as required by 15 USC 1681i ( 5 ) ; the misleading and inaccurate data breaches the FCRAs requirement for fair and accurate reporting under 15 USC 1681 ( a ) ; the company has furnished information to a credit reporting agency without my written consent, violating 15 USC 1681s-2 ( a ) ( 2 ) ; and the creditor has treated payments as late without ensuring that each periodic statement is mailed or delivered within the 14-day timeframe mandated by 15 USC 1666b. I demand immediate correction of these inaccuracies and strict compliance with the legal requirements.
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)

Accounts XXXX  XXXX AC : XXXX XXXX  AC : XXXX / XXXX Dispute for Reversing Late Payment - Reference to 15 U.S. Code 1666b Report containing information slowly as two transactions or experience is between the consumer and the person making the report.

Dear credit bureau.

I am writing to dispute a late payment entry on my credit report and request its immediate reversal. According to my rights as a consumer under the Fair Credit Billing Act, specifically 15 U.S. Code 1666b, I believe this entry was reported inaccurately and does not reflect the true status of my account.

It has come to my attention that the above-mentioned account is still being reported on my credit report, despite being closed. According to Section 15 USC 1681i ( 5 ) of the FCRA, it is impermissible for the credit bureau to report information that is outdated, inaccurate, or can not be verified. Given the closure of the account, it should not be appearing on my credit report, as it misrepresents my current credit status. 
I request that you investigate this matter promptly and take the following actions :
Consumer complaint received 2024-07-22
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

On XX/XX/year> I had and judgment dismissal in court by a judge for and eviction. It should not be reporting on my credit report via, the XXXX XXXX XXXX. It is hindering me from getting a place to stay for me and my daughter weve been homeless for over a year now to date.
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. (CO)

In accordance with the Fair Credit Reporting Act this account has violated my rights. 

XXXX XXXX XXXX 15 U.S.C 1681 section 604 A Section 2 : It is also states that a consumer reporting agency can not furnish an account without my written instructions 15 USC 1666b- Acreditormay not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless thecreditorhas adopted reasonable procedures designed to ensure that each periodic statement including the information required bysection 1637 ( b ) of this titleis mailed or delivered to the consumer not later than 21 days before the payment due date.
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. (KY)

In XX/XX/2024, I ordered a purse online from XXXX. It was taking a long time to get to me and appeared to be held up by USPS. I contacted XXXX and asked if I could cancel the order. They said " no '' but that I could refuse the package when it arrived ro return to sender. I was not at home when it arrived so I did a return to sender. This can easily be verified by looking at the tracking. 
I started checking my account for refund progress. When the refund wasn't showing up, I started contacting customer service via their contact us/chat feature. I spoke with several reps over the next 2 months who all assured me that they could see where I returned the purse and that my card should be refunded in 3-5 days. It took 2 MONTHS! They finally refunded my card. but because it too so long, I got a late fee added to my card. How can I get a late fee added for a return???? I started contacting customer service again. It took a month to get the late fee removed. 

So they removed the late fee in XXXX but turned me into the credit agencies, causing my score to drop almost XXXX points, going from excellent to good. This is unacceptable. It was a RETURNED item. How can there be a late fee on an item I returned almost as soon as I received it???? There was nothing else charged to the card. That returned item should have been refunded back to my card in a timely manner. XXXX XXXX did not do that, causing a late fee. 

I disputed it, and XXXX denied any wrongdoing. The only conclusion I can come up with is they didn't bother to look into it, because it is obvious, I am not at fault here. Please fix this ASAP. I have had excellent credit for years and I don't want to have to hire a lawyer to get that back. It shouldn't come to that.
Consumer complaint received 2023-11-23
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 just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX  XX/XX/2022 XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XX/XX/2022
Consumer complaint received 2023-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (GA)

XXXX XXXX continues to use unfair and deceptive means to attempt to collect a debt. They are posting inaccurate information on my consumer profiles. I've contacted all parties involved numerous times disputing this alleged debt. I've asked for validate & verify provide documentation that I am legally obligated to pay them. They did not. I asked them to Cease & Deists Communication in reference to the collection of this debt on all mediums including to any non-affiliated third parties. They are still harassing me in reference to this debt. I've asked XXXX, XXXX, Experian to reinvestigate and provide with the procedure they used to verify this information. I refuse this debt. I NEVER gave anyone permissible permission to share any of my private nonpublic information. Consumer Reporting is voluntary. I never gave consent!! No consent is identity theft!!
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. (MS)

XXXX, XXXX, Transunion, Have all caused me hardship. Great financial hard ship. Someone stole my purse and got all of my cards and ID. They got tickets in my name. They used my credit cards, made them filled to the limit. Some amounts were taken down by the credit companies but I have still been struggling to catch up. I have paid credit repair and credit monitoring services to help me. That's extra money I cant afford as a single mom. I have not been able to get my credit right with them in years which cause me to pay extra for everything. Not only have I suffered but my kids have too. It's been a nightmare. I see credit inquires on my report that I didn't give permission for. I'm a 100 % XXXX veteran suffering from XXXX and the credit reporting agencies have pushed me into complete financial ruins and XXXX. They are reporting information on my reports totally incorrectly. I have had XXXX 3 times which brought me down. I'm requesting that the report my information accurately so that I will have a chance to survive and quit struggling. I am staying with relatives, me and my children because I cant get approval for her home due to the inaccuracy.
Consumer complaint received 2024-07-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (LA)

In an attempt to access my credit account with Equifax on XX/XX/XXXX I tried to login in but none of my credentials were correct according to their website. I then tried to reset my password but was met with a message stating there was an error with processing my request, and then tried to create a new account but was told that I already had an account with my information. After trying the website I decided to call the helpline at XXXX ( XXXX ) XXXX and also at XXXX ( XXXX ) XXXX, both of which were the same exact automated menu. Upon giving my personal information, the automated voice on the line said that my information is incorrect. I proceeded to repeat these actions again on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX with the same result. Additionally on XX/XX/XXXX I attempted to reach out to a real representative of Equifax over the phone but was again met with the same automated menu.