davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-09
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. (IL)

This CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C. Section 1681c02 ) 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 auto loans, installment loans, and credit cards from XXXX XXXX XXXX XXXX with a balance of {$19000.00}, XXXX XXXX XXXX XXXX with a balance of {$7200.00}, XXXX XXXX with a balance of {$1000.00}, XXXX with a balance of {$500.00}, XXXX XXXX XXXX with a balance of {$300.00}, and XXXX  with a balance of {$40.00}. 

These accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. I do not recognize the aforementioned accounts and collections as reported. The aforementioned accounts and collections appearing on my consumer credit report that is being maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts and collections are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts and collections are the result of identity theft and fraud.
Consumer complaint received 2024-10-08
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. (MD)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-10-09
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)

I am filing this complaint regarding two XXXX XXXX XXXX XXXX  accounts reported inaccurately on my credit file. These inaccuracies have been verified on multiple credit bureau reports, despite my previous attempts to address them directly with XXXX and the credit bureaus. The accounts in question are : Account # XXXX : ** Reported as a revolving account with a {$5000.00} credit limit and a high balance of {$5300.00}. 
XXXX incorrectly reports late payments for XX/XX/XXXX, which is inconsistent with my payment records. This derogatory mark is erroneous and should reflect 'Paid as Agreed ' or 'Never Late ' as I have not missed any payments. 
Additional issues with this account include inconsistencies in the Date of Last Activity ( XXXX ) and Date Reported ( XXXX ) fields, which deviate from Metro 2 standards, leading to conflicting reporting across bureaus. 
Creditor Remarks : XXXX and TransUnion inaccurately list remarks about 30-day delinquency, which further harms my credit standing without documented justification. 

Account # XXXX : ** Reported as a revolving account with a {$2000.00} credit limit and a high balance of {$2100.00}. 
XXXX claims that this account had a 30-day late payment for XX/XX/XXXX, an error that should be updated to reflect 'Paid as Agreed ' and 'Never Late. ' This incorrect data point is detrimental to my credit profile, as it suggests delinquency when none occurred. 
Like the previous account, the Date of Last Activity ( XXXX ) and Date Reported ( XXXX ) fields are inconsistent and deviate from required standards, causing inaccuracies across credit bureaus. 
Creditor Remarks on XXXX inaccurately reflect a 30-day past due status without evidence or supporting documentation, further violating FCRA and Metro 2 guidelines. 

XXXX has provided no verifiable proof or documentation to support these derogatory remarks or discrepancies. Given that these accounts have already been marked as 'Closed ' and have a {$0.00} balance, there is no basis for reporting these as delinquent or charged-off accounts. Legal precedents, including XXXX XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ), stress the need for accurate reporting and verified evidence for derogatory claims.
Consumer complaint received 2024-10-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

PLEASE HELP ME, EVERY TIME XXXX SEEING THESE FRAUDULENT ACCOUNTS, THESE ARE GIVING ME STRESS. I WANT THESE TO BE TAKEN OFF FROM MY CREDIT REPORT PERMANENTLY.
Consumer complaint received 2024-10-09
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. (IL)

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. 

XXXX. Account Name : XXXX XXXX - Account # ending - XXXX XXXX. Account Name : XXXX XXXX  XXXX XXXX  XXXX Account # ending - XXXX - Date opened - XX/XX/XXXX XXXX. Account Name/ : XXXX XXXX XXXX Account # ending XXXX XXXX. Account Name : XXXX XXXX XXXX ( XXXX XXXX  ) - Account # XXXX Date opened- XX/XX/XXXX, has violated my rights. 
as well as they have published inaccuracies per 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.

And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, 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 reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Statement of Fact : Congress found that the purpose of the Fair Credit Reporting Act ( FCRA ) is to require that consumer reporting agencies ( e.g. XXXX, Transunioun and XXXX ) adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance and other information in a manner which is fair and equitable to the consumer. 
Affiant Facts : XXXX is aware and has proof in the attachment labeled as Exhibit B. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX is in violation of several laws in regard to how they are reporting and are stated as follows : 15USC1681-A 15USC1681s-2 15USC1681a 2 ( A ) ( i ) 15 USC 1681 ( d ) ( 1 ) The inaccurate reporting of both my account status and payment status by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is causing harm to my credit reputation and financial All items listed in Exhibit B are invalid, inaccurate, not timely and carry no documented evidence, it is damaging to my character, creditworthiness and well being by falsely stating those non compliant unverifiable accounts on my report.
Consumer complaint received 2024-10-09
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 recently communicated with Trans Union through the CFPB on XX/XX/2024 regarding an account with XXXX XXXXXXXX XXXX that I do not recognize. The original CFPB complaint ID is XXXX. Trans Union stated that the account information regarding the account has been verified as accurate. Unfortunately, I still do not recognize the account or its details. It is inaccurate. And the negative information on this account is hurting me and my credit worthiness. And, also causing me privacy issues. I only operate in the private for my protection and the protection of others. Therefore, I am seeking redress to demand the account be permanently deleted from my credit reports.
Consumer complaint received 2024-08-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (MA)

I have spent over XXXX hours, and now over 4 years, trying to work this out with the bank and also disputing these debts, asking them to remove or overturn the fraudulent charges on my old accounts, from the identity theft I suffered, and STOP reporting false, never validated debt information, to the credit bureaus, especially since this has ALL already been adjudicated by MA courts over a year and a half a go, and these were charged off accounts now over 4 years ago, I have asked them to overturn the fraudulent charges AND most of all, to remove all negative information from the credit bureaus. They just keep stalling and NOT addressing the problem, though I have been explicitly clear repeatedly. I have extensive info and evidence that I will attach. Please help me?
Consumer complaint received 2024-08-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I have spent over XXXX hours, and now over 4 years, trying to work this out with the bank and also disputing these debts, asking them to remove or overturn the fraudulent charges on my old accounts, from the identity theft I suffered, and STOP reporting false, never validated debt information, to the credit bureaus, especially since this has ALL already been adjudicated by MA courts over a year and a half a go, and these were charged off accounts now over 4 years ago, I have asked them to overturn the fraudulent charges AND most of all, to remove all negative information from the credit bureaus. They just keep stalling and NOT addressing the problem, though I have been explicitly clear repeatedly. I have extensive info and evidence that I will attach. Please help me?
Consumer complaint received 2024-08-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: JPMORGAN CHASE & CO. (MA)

I have spent over 100 hours, and now over 4 years, trying to work this out with the bank and also disputing these debts, asking them to remove or overturn the fraudulent charges on my old accounts, from the identity theft I XXXX, and STOP reporting false, never validated debt information, to the credit bureaus, especially since this has ALL already been adjudicated by XXXX  courts over a year and a half a go, and these were charged off accounts now over 4 years ago, I have asked them to overturn the fraudulent charges AND most of all, to remove all negative information from the credit bureaus. They just keep stalling and NOT addressing the problem, though I have been explicitly clear repeatedly. I have extensive info and evidence that I will attach. Please help me?
Consumer complaint received 2024-10-09
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)

XXXX XXXXXXXX XXXX and Transunion wrongfully put a debt on my credit report that is not mine and due to identity theft. This account number is not mine. Ive filed ID theft report with FTC and will pursue legal action for slandering my Reports. I am requesting, under the provisions of the Fair Credit Reporting Act ( FCRA ), 15 USC section 1681i, that you investigate these accounts. 15 USC 1681 section 602 A. States I have the right to privacy 15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. These accounts were opened fraudulently : Disputed Account : XXXX XXXXXXXX XXXX Account Number : XXXX
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX {$490.00} XX/XX/XXXX INQUIRIES NOT RECOGNIZED XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/XXXX TransUnion 15 U.S.C, 1681section 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 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-09-16
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. (CA)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

US DEPARTMENT OF EDU ( Original creditor : DIRECT LOANS ) XXXX Balance : {$10000.00} US DEPARTMENT OF EDU ( Original creditor : DIRECT LOANS ) XXXX Balance : {$4100.00} US DEPARTMENT OF EDU ( Original creditor : DIRECT LOANS ) XXXX Balance : {$4200.00} US DEPARTMENT OF EDU ( Original creditor : DIRECT LOANS ) XXXX Balance : {$7600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-09
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. (GA)

I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after 30 days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.
Consumer complaint received 2024-10-09
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. (IL)

This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ).

Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.

I demand that the following items be deleted immediately from my credit report :
Consumer complaint received 2024-10-09
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)

XXXXm really upset to discover inaccurate accounts on my credit report this morning, and I cant understand why theyre there. Im diligent about checking my credit report, but today I was blindsided by random discrepancies. Hoping it was a browser issue, I refreshed the page, but the inaccuracies didnt go away. Because of this, Im requesting that the documents I submitted be carefully checked so I can finally stop stressing about my credit report once and for all.
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX ( Account # XXXX ) is reported inaccurately on my credit report across all three major bureaus : XXXX XXXX XXXX XXXX and TransUnion XXXX The information reported does not comply with FCRA Section 611 ( 15 U.S.C. 1681i ) and Metro 2 standards, and shows multiple discrepancies : - Inconsistent Dates : Dates such as 'Date Opened, ' 'Date of Last Activity, ' and 'Date Reported ' do not align across credit bureaus and contain gaps that suggest inaccuracies. 

- Account Status Inaccuracies : Although the balance is {$0.00}, the account is still reflected with late statuses like 'Late 60 Days ' and 'Late 90 Days, ' which do not correspond to the accounts final status.

- Failure to Provide Verified Documentation : I have requested verification of these data fields, but XXXX XXXX has not provided documented proof of accuracy or compliance with regulatory reporting standards. 

This inaccurate reporting has unfairly impacted my creditworthiness, and I request either verified documentation of compliance or immediate deletion of the account from all credit bureaus.
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, XXXX, and XXXX.
Consumer complaint received 2024-10-09
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)

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 XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX