davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-07
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)

I am not liable and refuse to pay this debt with XXXX XXXX. I have no contract with XXXX XXXX XXXX in regards to account # XXXX. The information on my credit report is inaccurate and I demand that it be investigated and removed immediately to avoid further legal actions against all parties involved. I have no contract with XXXX XXXX XXXX, provide me with a signed contract between XXXX XXXX XXXX and I, otherwise remove incorrect information.
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Recently I did an investigation on my credit report and found several items listed to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of Report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate of unverifiable information ( A ) in general if, after any reinvestigation under paragraph ( 1 ) 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 investigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following items from my consumer credit report immediately : TransUnion XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX Balance {$180.00} Account number XXXX Date opened XX/XX/XXXX Account type Open account XXXX XXXX XXXX XXXX Original creditor : XXXXXXXX XXXX XXXX XXXX {$350.00} Account name XXXX XXXX Account number XXXX Original creditor XXXX XXXX XXXX XXXX XXXX sold - Account type Collection Date opened XX/XX/XXXX Status Collection account. {$350.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX {$180.00} Account info Account name XXXXXXXX XXXX XXXX Account number XXXX Original creditor XXXX XXXX XXXX XXXX sold Account type Collection Date opened XX/XX/XXXX Status Collection account. {$180.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXXXXXX XXXX
Consumer complaint received 2024-10-07
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)

According to the IRS, an unpaid charge off is income. According FCRA, income can not be reported on a credit report. I have received a XXXX for the accounts listed here : XXXXXXXX XXXX and XXXX XXXX After checking a copy of my most recent report, it appears these accounts are still being reported. These accounts can not be reported on my credit report ( according to law ), not even to mention violation of XXXX usc XXXX. I demand these accounts to be removed from my credit report immediately.
Consumer complaint received 2024-10-07
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'm in disagreement with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately re-investigated. the inaccuracies are highly injurious to my credit score. Account : XXXX XXXX XXXX XXXX payments late year XXXX. In accordance with the fair credit reporting act, public law 91-506, title VI, section 611, please provide the names and business addresses of each individual with whom you verified the account, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.
Consumer complaint received 2024-07-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

These accounts are obviously in violation of the law. They are reporting inaccurate information 's on it and is missing on the other bureau. This is a clear violation of : 15 U.S.C. 1681 Section 602 ( A ) asserts my unequivocal right to privacy.

15 U.S.C. 1681 Section 604 ( A ) ( 2 ) declares that a consumer reporting agency must not release any account information without my explicit, written consent.

15 U.S.C. 1681c ( a ) ( 5 ) mandates that a consumer reporting agency must not include any adverse information older than XXXX years, except for criminal convictions. 
15 U.S.C. 1681s-2 ( A ) ( 1 ) prohibits any person from providing a consumer reporting agency with information they know or should know is inaccurate. 

The account XXXX XXXX XXXX XXXX XXXX is missing on Equifax and the dates reported are all inaccurate across the XXXX reporting bureaus. While XXXX XXXX : XXXX is not reporting on XXXX and the Balance, No. of Months ( terms ), Last Reported, Comments, Date Last Active, Date of Last Payment are all inaccurate.
Consumer complaint received 2023-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Fidelity National Information Services, Inc. (FNIS) (TX)

XXXX along with their affiliate XXXX processed an application for credit that was not authorized by me. In fact, it was processed as the result of a fraudster who stole my identity. This fraudulent application was apparently processed on XX/XX/23 based on a fraudulent inquiry I discovered in my chexsystems report. I have made numerous attempts to contact the company via phone and email and have submitted a police report along with FTC identity theft affidavit. They have refused to respond and it has become abundantly clear that this is simply their tactic of avoidance utilized in their day to day business. It is also clear their intentional conducts to avoid resolving customer issues with identity theft are both harmful to me personally but to consumers as a whole.
Consumer complaint received 2024-10-07
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)

To Whom It May Concern, I am filing a formal complaint regarding identity theft, which has resulted in fraudulent accounts being reported on my credit profile. I have already initiated disputes with the credit bureaus and am providing documentation to the Consumer Financial Protection Bureau ( CFPB ) to request assistance in removing these fraudulent accounts from my report.Despite my efforts to resolve this matter, these accounts remain incorrectly listed under my profile. These accounts were opened without my knowledge or authorization, and the ongoing misreporting of these details is causing significant harm to my credit standing. I am requesting that these be investigated and removed promptly.

Summary of Fraudulent Accounts Being Disputed : 1. XXXX XXXX XXXX Bank Card Account Number : XXXX Dispute Reason : This account was not opened by me, nor do I have any knowledge of its existence. I request immediate removal from my report as it is a result of identity theft. 

2. XXXX Bank Account XXXX : XXXX Dispute Reason : This account was opened without my authorization and has not been verified to be accurate or complete. I demand its removal as it was fraudulently added to my credit profile. 

3. XXXX XXXX XXXX  Account Number : XXXX Dispute Reason : This is another fraudulent account that does not belong to me. I am disputing this as part of the identity theft issue affecting my credit profile. 

4. XXXX XXXX Account Inquiry Date : XX/XX/year> Dispute Reason : I did not authorize this inquiry. I request that this be removed from my credit report as it was a result of identity theft.
Consumer complaint received 2024-10-08
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)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2024-10-07
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. (MI)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-10-07
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)

Dear CFPB, I am writing to formally submit a complaint regarding the handling of my recent disputes related to certain accounts on my credit report. Despite following the appropriate procedures to dispute inaccuracies, I have not seen any changes reflected in my credit report, nor have I received adequate responses from the credit reporting agencies or the creditors involved. 

Details of My Dispute : Disputed Accounts : Collection account from XXXX with account # XXXX and a balance of $ XXXX never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. 
Collection account XXXXXXXX XXXX  with account # XXXX and a balance of {$840.00} I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account Dispute Process : I submitted my disputes on XXXX  to Transunion, providing documentation that supports my claims. However, I did not receive a satisfactory response or resolution, and the accounts remain inaccurately reported. 
Impact on My Credit : The inaccuracies on my credit report have negatively affected my credit score and my ability to secure loans. 
Request for Assistance : I kindly request that the CFPB look into this matter and assist in resolving these disputes. It is critical for consumers like myself to have accurate credit information, and I believe my rights have been compromised. 

Thank you for your attention to this matter. I appreciate your assistance in ensuring that consumer rights are upheld. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2024-10-07
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)

My account with was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on XXXX. 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 in 60 days 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.

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 2024-10-31
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Nationwide Credit Corporation (VA)

I acknowledged receipt of the NCC debt collectors communication regarding an alleged debt that I owed in XX/XX/year>. Upon request by the NCC debt collector representative, I promptly submitted a dispute and provided supporting documentation via email on XX/XX/year>. Despite following up on the status of my dispute on XX/XX/year>, I did not receive any additional communication. The representative stated no one had gotten around to my dispute. 

Furthermore, on XX/XX/year>, at XXXX am I received a phone call from an NCC debt collector ( XXXX ) demanding payment for an outstanding toll violation debt. The collector also mentioned that the courts would not show leniency. I informed him about my dispute I filed and the lack of responses I had received. To conclude the call, I requested debt verification, to which he assured me it would be sent by mail within the next few days. I did not received any correspondence, whether by mail or email during the month of XX/XX/year>. 

Overall, I disputed the debt by submitting my XXXX XXXX Transaction History which reflected I did not have any negative balances during the months/dates in question, which is why I was confused on how I owed any money for tolls. When I explained this to the NCC debt collector representative, she was confused as well. 

According to the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to request validation of this debt. It is the debt collectors obligation to respond within thirty ( 30 ) days of the initial request, which was made on XX/XX/year>. Failure to provide the requested information within this timeframe is considered a waiver of my claim. Consequently, the debt collector must remove this debt from my credit report and cease all collection efforts. 

I am writing to formally request the cancellation of the alleged outstanding debt, referenced as XXXX, due to NCC 's negligence in responding to my emails, mail, or phone calls within the required timeframe outlined in the FDCPA. 

I received copies of toll violations during the week of XX/XX/year>, eight months after the required timeframe to validate the debt and no response to my dispute regarding the proof I submitted.
Consumer complaint received 2024-10-07
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. (MS)

As per 15usc 1611 XXXX TransUnion and XXXX is criminally obligated. They are affably obligated for twofold the measure of the money charge as per 15 usc 1640. 
Furthermore, they are at risk for each fdcpa infringement as per usc XXXX. XXXX requesting they eliminate this supposed obligation from my shopper reports, transmit installments to me for infringement. A supposed obligation being outfitted on your credit report is an infringement of 15 usc 16922b. ( 2 ) it is likewise publicizing to certain installment. Which is illicit. Im requesting that you eliminate these Transactions from my report promptly as they are an infringement of my privileges as a governmentally protected purchaser under title 15 section 41. Concerning the records recorded underneath as a customer Im requesting a cancellation of these records. CXXXX Consumer Financial Protection Bureau. Cc Attorneys General Office. Cc Better Business Bureau. Cc State Senate. Cc Federal Deposit Insurance Corporation. Cc Comptroller of the Currency. Cc Federal Reserve System. Cc Credit and Insurance. Cc Federal Trade Commission. Cc State Regulatory Agency.
Consumer complaint received 2024-10-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION (GA)

On XX/XX/XXXX I made a cash deposit for {$120.00} at a XXXX ATM, using my navy federal account it is convenient being that it is miles closer to my job than any Navy Federal branch. I was told years ago that I would be able to do this with no issues by a Navy Federal employee. I was told that they are on the same network. I have never had any issues with deposits in all of this time outside of XX/XX/XXXX. 
On the XXXX I did my usual and deposited {$120.00} cash in the ATM but I was met with an error message and a ticket print out to give to the teller. The deposit was in a sunday, so I had to wait until Monday to talk to XXXX about it. I went in Monday and they told me to go to Navy Federal. I went to Navy Federal and told them and showed the ticket and they began the process of an ATM dispute. During the investigation my account was credited the {$120.00}. 

As of recent I noticed my checking account had an adjustment of - {$120.00} I called about it and was told there was no issue found. 
I would like to be provided the report as well as provide further information on my end along with added attachments to support my case. I have never filed an ATM dispute. I just want my deposit.
Consumer complaint received 2024-09-27
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. (NY)

" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"
Consumer complaint received 2024-10-07
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 address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 


Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action. 


Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and FCRA 605B ( Identity Theft Claims ). These accounts are falsely reported as charge-offs. 
Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately. 
Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report. 

DELETE THIS ACCOUNTS IN MY CREDIT REPORT IMMEDIATELY!