davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-21
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 List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX, XXXX & XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX  XXXX Account Number : XXXX Account Name : UNKNOWN : Account Number : XXXX Account Name : UNKNOWN : Account Number : XXXX Account Name : XXXX XXXX  : Account Number : XXXX Account Name : XXXX : Account Number XXXX XXXX  And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report 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  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 2024-06-21
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. (AL)

To whom this may concern, I have recently took a look at my credit report and noticed quite a few things that werent correct According to 15 USC 1681b for inquiries the following items must be blocked and removed because this information is a detriment to my credit report, not for a permissible purpose, nor was consent given. The following inquiries were not permitted or requested on my behalf. Failure to do so will result in me taking legal action against companies listed in this dispute. 

The following items are incorrect and need to be removed : 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 XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-07-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-06-21
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. (DE)

If there are any inaccuracies or incomplete information regarding my accounts, judgments, liens, balances, payment history, late payments, account history, or any other details in my credit report, I request that you promptly correct or remove those items from my credit file in accordance with the Fair Credit Reporting Act
Consumer complaint received 2024-06-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I want to XXXX that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2024-06-20
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. (GA)

I am submitting my complaint to dispute and investigate these wrongfully reported accounts on my credit file. According to the Fair Credit Report Act, I should receive {$1000.00} for each incorrect report. I am aware that FCRA 605B mandates reporting any inaccurate accounts on a consumer 's report.
Consumer complaint received 2024-06-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2024-06-21
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. (CA)

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

I have spoken with all three agencies, XXXX, Transunion, and XXXX and asked for an investigation and reported that these accounts contain -fraudulent activity : Account name : XXXX XXXX # XXXX Account name : XXXX # XXXX Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX # XXXX Account name : US DEPT OF EDXXXX # XXXX Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX # XXXX Account name : XXXX XXXX # XXXX Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX # XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 2024-08-01
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)

This evening, I discovered an inaccurate account on my credit report and I'm unsure why they're there. When I checked my report, as I routinely do, I found unexpected discrepancies. I tried refreshing my browser, thinking it might be a glitch, but the inaccurate account remained. Due to this issue, I request a thorough review of the documents I've sent to prevent future worries.
Consumer complaint received 2024-07-01
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 DISCOVERED THAT SPECIFIC DETAILS ABOUT XXXX HAVING 3 DIFFERENT ACCOUNTS UNDER MY NAME THAT THEY CHANGED 3 TIMES I PAID XXXX BUT DID NOT GIVE CONSENT TO XXXX, TRANSUNION NORE XXXX TO OBTAIN MY CREDIT INFORMATION.
Consumer complaint received 2024-06-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

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 2024-06-21
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. (MN)

PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.
Consumer complaint received 2024-06-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Both XXXX  XXXX Accounts Under 15 USC 1681e ( b ) Compliance procedures accuracy of report This account is NOT following reasonable procedures to assure maximum possible accuracy. It is inaccurately reported. Please DELETE immediately. 

Under the FCRA ( 15 U.S.C. 1681i ), credit bureaus must investigate disputed information within 30 days or delete it if unverified. Failure to do so violates federal law, subjecting the bureau to penalties. 

Urgent Complaint Against TransUnion for FCRA Violations Regarding XXXX  XXXX Accounts To Whom It May Concern : I am writing to file a formal and urgent complaint against TransUnion for clear violations of the Fair Credit Reporting Act ( FCRA ) concerning two XXXX  XXXX accounts listed inaccurately on my credit report. Despite multiple disputes, these accounts persistently and erroneously report incorrectly, directly contravening FCRA regulations. Furthermore, these accounts are not reported by other credit bureaus, namely XXXX and XXXX, highlighting further inaccuracies in TransUnion 's reporting. 

XXXX XXXX : XXXXXXXX XXXX XXXX XXXX XXXXXXXX Details of the Complaint : Inaccurate Reporting : The two XXXX  XXXX accounts on my TransUnion credit report are inaccurately reported. According to the FCRA ( 15 U.S.C. 1681i ), credit reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Despite numerous disputes filed with TransUnion, this inaccurate information remains on my credit report.

Failure to Conduct a Reasonable Investigation : TransUnion is required under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) to conduct a reasonable investigation when a consumer disputes the accuracy of information. The continued presence of these inaccuracies suggests that no reasonable investigation has been conducted, in direct violation of the FCRA. 

Inconsistent Reporting Across Bureaus : The XXXX  XXXX accounts in question are not reported on my credit reports from XXXX and XXXX. This inconsistency further indicates that the information reported by TransUnion is inaccurate and should be corrected or removed immediately. 

Request for Immediate Action : I demand the immediate removal of both XXXX XXXX accounts from my TransUnion credit report. The ongoing reporting of this inaccurate information is severely damagi

ng my creditworthiness and is a blatant violation of my rights under the FCRA. Furthermore, under 15 U.S.C. 1681n, I am e
ntitled to compensation for willful noncompliance with the FCRA. Therefore, I also demand compensation for the distress and financial harm caused by TransUnion 's repeated failures to rectify this issue. 

I expect a prompt resolution of this matter. If these inaccuracies are not corrected immediately and compensation is not provided, I will pursue further legal action to enforce my rights under the FCRA. 

Thank you for your prompt attention to this matter.
Consumer complaint received 2024-06-21
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)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX INQUIRIES : XXXXXXXX XXXX XXXX - XX/XX/XXXX : XXXX # XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXX  - XX/XX/XXXX :
Consumer complaint received 2023-03-14
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I was never 30days late ( XXXX  ) can not prove I was ever 30 days late ( XXXX  ) is in violation of 15 U.S.C.1681s-2 ( A ) ( 1 ) 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. 
The credit report ( attached ) shows that the information being reported by ( XXXX  ) does not match between all three credit reporting agencies, which means somewhere there must be an inaccuracy How can ( XXXX  ) be reporting accurately to the credit reporting agencies, if each credit reporting agency has different information? 
the account number for the ( XXXX  ) account does not match between all three credit reporting agencies the payment status for the ( XXXX  ) account does not match between all three credit reporting agencies the date of last active for the ( XXXX  ) account does not match between all three credit reporting agencies the payment history for the ( XXXX  ) account does not match between all three credit reporting agencies ( 24 months ) after previous dispute, ( XXXX  ) illegally shuffled dates around
Consumer complaint received 2024-07-01
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

I reached out to Kohls Capital One multiple times to resolve an outstanding debt that doesnt belong to me. I requested information that proves this debt belongs to me and was provided with dates of when the account was open as well as balances owed on the account. I have informed this company several times that I did not open this account and it was opened as a result of fraud. I have supplied the company with a police report and an FTC XXXX this includes this account. This company is purposely reporting misleading inaccurate information to the credit bureaus. This account doesnt not belong to me, this company has failed to prove or provide proof of ownership!! 
I have also reached out to the companys XXXX  department and requested they do an investigation and I havent received in updates!! 
According to 15. U.S.C. 1681 i-5 by law you are obligated to reinvestigate this inaccurate account. Please remove this inaccurate nformation. Thank you. 
I will attach a copy of the police report and ftc report to this complaint, due to the company saying they didnt receive that information but Ive sent it several times!!
Consumer complaint received 2024-06-21
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 have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 


Account Name : XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2024-06-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2019-10-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

I have an XXXX XXXX credit card an in XXXX I was leaving the country so I called and made a payment however, I was told that it hit two days later and because of the representative not putting the correct note on the account to make sure it was at XXXX, I was assessed a late fee and interest was then applied to that amount. Last week I spoke to another representative who has fixed that error that should have been done in XXXX however, I notice that my credit score has taken a hit for negativity and I really do not appreciate it. I was told to reach out to the credit bureau.
Consumer complaint received 2024-06-21
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)

Under 15 USC 1681i ( a ) ( XXXX ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-06-21
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. (CA)

TransUnion is reporting fraudulent items to my credit report. I have been a victim of identity theft for the past 4 years. There have been Fraudulent Items being reported to my Credit Report.The following account XXXX XXXX XXXX ( Account Number : XXXX, Original Creditor : XXXX XXXX. Date Opened : XX/XX/XXXX. Balance {$600.00}, XXXX XXXX ( Account Number : XXXX, Original Creditor : XXXX XXXX XXXX XXXX. Date Opened : XX/XX/XXXX. Balance {$490.00}. XXXX ( Account Number : XXXX, Original Creditor : XXXX XXXX XXXX XXXX. Date Opened : XX/XX/XXXX. Balance {$5500.00}. XXXX  ( Account Number : XXXX ). Date Opened : XX/XX/XXXX. Balance {$0.00}. XXXX XXXX XXXX XXXXXXXX XXXX ( Account Number : XXXX ). Date Opened : XX/XX/XXXX. Balance {$100.00}. I have never had an account with none of those companies. Cease the reporting of the fraudulent item being reporting immediately. I have attached a copy of my ID and FTC report. ( Please see attachments ).
Consumer complaint received 2022-02-07
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (FL)

I have tried to email XXXX several times and i have never received a response to my emails nor did they acknowledge that they received it nor have a received anything in the mail from them I am filing this complaint violation of my privacy rights.