davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-22
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. (CA)

I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.
Consumer complaint received 2024-09-22
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. (CA)

I am writing to formally lodge a complaint concerning inquiries on my credit report that I neither recognized nor consented to. These unauthorized inquiries are not only concerning but also damaging to my financial reputation. It has come to my attention that certain inquiries have been made on my credit report without my consent or knowledge. I want to emphasize that I have no association with these inquiries and have never authorized any entity to access my credit information in this manner.
Consumer complaint received 2023-11-28
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)

In accordance with the Fair Credit Reporting act the following companies have violated my rights with inquiry reporting as follows : Incorrect 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 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 

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 or inquiry report without written instructions.
Consumer complaint received 2024-09-24
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. (NY)

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy.

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted the following companies any permissible purpose. They are in strict violation of this code. I need these account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. The FTC is a legal criminal report and I'm filing it under penalty of perjury which I am sending together with this letter. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 
XXXX  XXXX XXXX and XXXX  XXXX XXXX
Consumer complaint received 2024-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (DC)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2024-09-22
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. (CA)

Upon reviewing my credit report, I discovered several accounts that I do not recognize and believe to be fraudulent. These accounts appear to be opened without my authorization, and I am deeply concerned about the potential impact on my credit standing and financial well-being. I suspect that I am a victim of identity theft, as I have not initiated or authorized the opening of these accounts. The presence of these unauthorized accounts on my credit report has caused me significant distress and uncertainty about the security of my personal information. I have attached a copy of my credit report highlighting the unrecognized accounts for your reference.
Consumer complaint received 2024-07-25
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 am writing to dispute the bankruptcy listed on my credit report. I have a letter from the court confirming that this bankruptcy should not be reported. Additionally, an unauthorized third party is involved, making this situation even more problematic.
Consumer complaint received 2024-09-24
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)

Upon reviewing my credit report, I discovered several erroneous entries. 3 credit bureaus are legally obligated to validate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is completely unacceptable to treat this reporting account as unverifiable without providing proof within the required legal timeframe. I demand that you investigate the unverifiable account listed below in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). XXXX XXXX XXXX Balance : {$3300.00}
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: EQUIFAX, INC. (GA)

After reviewing my credit report, I notice that there are inaccurate accounts furnishing on my credit report. It is canceled debt and the company have file taxes but also reporting on my credit report as debt. Per the IRS the company was supposed to send me a 1099c form so I can file as income. This is a violation of 15 USC 1681eb which speaks on maximum accuracy of a consumer report. Please delete these following accounts from my report. 



XXXX XXXX  {$130.00}, XXXX XXXX XXXX XXXX XXXX  {$570.00}, XXXX XXXX {$330.00}, XXXX XXXX {$190.00}, XXXX XXXX {$11000.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$75.00}, XXXX {$40.00}, XXXX XXXX {$790.00}.
Consumer complaint received 2024-09-24
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)

RE : XXXX  Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX - XXXX - XX/XX//2024 - {$330.00} - XXXX  XXXX XXXX XXXX - XX/XX/2024 - {$2500.00} - XXXX  Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Consumer complaint received 2024-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

" 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 2024-09-24
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 am requesting your assistance regarding this misleading account on my credit report. This has caused significant harm to my reputation, and I need your help to address it. Your mishandling of my credit report has greatly impacted me, as this misleading information has destroyed my reputation. It is imperative that you remove this misleading information from my credit report.
Consumer complaint received 2024-09-22
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. (MI)

RE : XXXX  Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 



XXXX. XXXX XXXX - XXXX XXXX. XXXX  - XXXX XXXX. XXXX XXXX - XXXX XXXX. XXXX XXXX - XX/XX/year> Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Consumer complaint received 2024-09-22
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. (GA)

I am writing to follow up on a previous dispute regarding a bankruptcy item listed on my credit report, under reference # XXXX. In your response, you stated that the item was verified as accurate, claiming that the information had been confirmed with the court. 
I have since contacted the court directly, and their response, which I have enclosed, clearly states that they do not report any information to credit agencies, including your bureau. It is evident that your original verification, attributing the information to the court, was either an error or a misrepresentation. Regardless, the information does not meet the reporting requirements under the Fair Credit Reporting Act ( FCRA ), specifically Section 611 ( 15 USC Section 1681 ).
Consumer complaint received 2023-10-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

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. 

Account Name : XXXX Account NumberXXXX 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 a 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 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.
Consumer complaint received 2024-09-22
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. (GA)

Dear XXXX, I am writing to follow up on a previous dispute regarding a bankruptcy item listed on my credit report, under reference # XXXX. In your response, you stated that the item was verified as accurate, claiming that the information had been confirmed with the court. I have since contacted the court directly, and their response, which I have enclosed, clearly states that they do not report any information to credit agencies, including your bureau. 

As such, I am formally requesting the immediate deletion of this item from my credit report to ensure compliance with federal law. Please provide me with documentation supporting your verification of this bankruptcy with the court, as you claimed, within the legally required XXXX period. Failure to do so will leave me no choice but to escalate this matter by filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and pursuing any additional legal remedies available to me. Please confirm receipt of this letter and take the appropriate action promptly
Consumer complaint received 2024-09-22
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. (MO)

XXXX continues to report asserted deficiencies on my consumer report after my CFPB complaint on XX/XX/year>, complaint # XXXX clearly REVOKING THEM ELECTRONICALLY from reporting these deficiencies. I have EVERY RIGHT TO EXERCISE AND REVOKE XXXX FROM REPORTING ANY AND ALL INFORMATION TO THE CONSUMER AGENCIES. 
According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, XXXX and Transunion are consumer reporting agencies, and I am the Consumer. I have the right to make sure my private information is not shared which is supported by 15 USC 6801 which also states, " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customer 's NONPUBLIC PERSONAL INFORMATION. XXXX is a financial institution by definition under this title. 15 USC 1681 section 604 A section 2 does states that, " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. XXXX is a financial institution and the Consumer reporting agencies XXXX, XXXX and Transunion DO NOT have my consent to furnish this information and they MOST DEFITNITLY DO NOT have my written consent. ANY AND ALL consent to XXXX, XXXX, TransUnion and XXXX whether it be verbal, non-verbal, written, implied or otherwise, is NOW REVOKED! BRIDGECREST NEVER informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX, XXXX and Transunion are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I AM OPTING OUT OF YOUR REPORTING SERVICES
Consumer complaint received 2024-09-22
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. (LA)

PLEASE REMOVE ALL ACCOUNTS! AS PER THE GUIDANCE FROM CFBP THE DOCUMENT NEEDED AS A LETTER FROM THE ADVOCACY GROUP HELPING ME DUE TO XXXX XXXX DEBT BONDAGE, WHICH FALLS UNDER TRAFFICKING ACCORDING TO XXXX-DEBT FINAL RULE XXXX ( B ) ( XXXX ) XXXX ( B ) ( XXXX ), I KINDLY REQUEST THAT YOU BLOCK ALL INFORMATION FROM MY CREDIT REPORT WITHIN XXXX BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. I AM A VICTIM OF XXXX XXXX OF DEBT BONDAGE AND WOULD LIKE FOR ALL LISTED ACCOUNTS TO BE BLOCKED AND DELETED FROM CREDIT REPORT! PLEASE DELETE THE FOLLOWING ACCOUNTS XXXX  {$21000.00}, XXXX {$3100.00}, XXXX {$0.00}, XXXX {$0.00}, XXXX XXXX {$82.00}
Consumer complaint received 2024-09-22
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. (FL)

These inquiries are not authorized by me Special financing comp XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These other inquiry I only authorized 1 and they did 3 for no reason and without authorization XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX
Consumer complaint received 2024-09-22
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. (NV)

Subject : Urgent Request for Removal of Inaccurate Business Account XXXX  XXXX  ( Account No. XXXX ) Dear XXXX, I am writing to dispute the inclusion of the following account on my credit report, which is inaccurately reported and causing significant harm to my creditworthiness. 

Account Details : Account Name : XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Status : Account charged off ; {$42000.00} past due as of XX/XX/XXXX Balance : {$42000.00} ( Balance updated XX/XX/XXXX ) Basis for Dispute : This account is completely erroneous. I have never opened a business, formed a business entity, nor taken any business loan. The reporting of this business account is not only incorrect but is also causing damage to my personal credit. The Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ) protect consumers from incorrect reporting, and this situation clearly violates those protections. 

Legal Violations : FCRA Violation : Under 15 U.S.C. 1681e ( b ), credit reporting agencies must ensure the maximum possible accuracy of the information they report. This account has no basis in fact and is a clear violation of this statute. Failing to maintain accurate information is a violation of my rights under the FCRA. 

Additionally, 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) requires the removal or correction of inaccurate information after a proper investigation. I am asserting my right to have this fraudulent account removed within the legal time frame. 

TILA Violation : Under 15 U.S.C. 1640, any creditor must ensure that any reporting to credit bureaus is accurate and reflects actual transactions made by the consumer. As this is a business account I never applied for, this reporting breaches the TILA 's transparency requirements. 

Immediate Action Required : I demand that you : Remove the XXXX  XXXX  account ( Account No. XXXX ) from my credit report within XXXX ( XXXX ) days of receiving this letter. 
Provide written confirmation that this account has been permanently deleted and will not be re-reported without thorough and verifiable evidence of its legitimacy. 
If this account is not removed promptly, I will explore all available legal remedies, including seeking damages for violations of my rights under the FCRA and TILA. 

Please treat this as a formal dispute under the FCRA, and ensure that the account is removed without delay.
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: EQUIFAX, INC. (FL)

I am writing to formally dispute the accuracy of information on my credit report maintained by your bureau. Upon reviewing my credit report, I discovered an account that does not belong to me. The presence of this account inaccurately reflects my credit history and financial responsibility.

Please find below the details of the disputed account : Creditor Name : XXXX XXXX XXXX Account Number : XXXX Reason for Dispute : This account does not belong to me. I have never opened or used services from XXXXXXXX XXXX XXXX ], and I am not aware of any such debt associated with my name or Social Security Number.

Enclosed with this letter are copies of documents supporting my claim.

I request that you conduct a thorough investigation into this matter as per my rights under the Fair Credit Reporting Act ( FCRA ). Please remove the disputed account from my credit report promptly, as its inclusion is damaging to my creditworthiness and does not accurately reflect my financial history.

Under the FCRA, I understand that you are required to investigate this dispute within 30 days of receipt and inform me of the results. I expect your cooperation in resolving this matter swiftly and accurately.

Please provide me with a written confirmation of receipt of this dispute letter and a reference number for tracking purposes. You may contact me at the above address or phone number if you require any further information or clarification regarding this dispute.
Consumer complaint received 2024-09-22
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. (TN)

This account XXXX XXXX XXXX  Account Number : XXXX  was charged off on the following date : 1XX/XX/2023. Since then the date of last activity has been inconsistently updated. On XXXX  the date last active is XX/XX/2023 and on Transunion its XX/XX/2023. If the information is coming from the original creditor the dates should be the same. We can not say that these are XXXX XXXX accurate so it is deemed INACCURATE. Please delete these accounts from my report.