davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-21
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'm disagreement with the account listed below with my credit report still appearing, even after your investigation. I would like item immediately- re-investigated. the inaccuracies are highly to my credit score. 

Account name XXXX  XXXX Account number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX Account number XXXX in accordance with the Fair Credit Reporting Act, Public law 91-506, Title VI, Sections 611, please provide the name and business addresses of each individual with whom you verified above so that I may follow up. Please send an updated copy of my credit report after your re-investigation.
Consumer complaint received 2024-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NE)

Follow-Up on Complaint XXXX Violation of 15 U.S. Code 1681c-2 I am writing to follow up on my formal complaint submitted on XX/XX/2024, regarding unauthorized and inaccurate reporting on my credit report by XXXX XXXX XXXX. As outlined in 15 U.S. Code 1681c-2, consumer reporting agencies are required to block the reporting of fraudulent information resulting from identity theft no later than 4 business days after receiving notification.

As it has now been well over 4 days since my initial notification, your failure to act within the legally required timeframe is a clear violation of the Fair Credit Reporting Act ( FCRA ). This delay has caused unnecessary harm, including : - Lower credit score : Resulting in credit denials and unfavorable financial terms.

- Emotional distress : Due to the continued presence of fraudulent information on m
y credit report.

- Financial harm : Caused by the inability to access credit under fair terms.

1. Immediate removal of the inaccurate information from my credit report, as required by law.

2. Compensation for damages : I reserve the right to pursue legal action under 15 U.S. Code 1681n to seek actual damages, statutory damages, punitive damages, and attorneys fees if necessary.

Estoppel by Silence : Your failure to act in a timely manner strengthens my case for willful noncompliance. If these items are not removed immediately, I will have no choice but to pursue legal remedies. 

I look forward to your swift resolution of this matter.
Consumer complaint received 2024-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

XXXXXXXX XXXX offered me a settlement payment offer which detailed XXXX total payments ( XXXX payments of {$190.00} and XXXX payment of {$200.00} ). Accepting this offer would allow me to pay off the balance and close-out the account early. In completion of this offer within the XXXX payments in XXXX, XXXX, and the final payment in XX/XX/year>. They would report the updated information to the credit bureaus. Unfortunately, when they reported the paid information to the bureaus. They did not correct the " XXXX XXXX '' during those months of XX/XX/year>, XX/XX/year>, and XX/XX/year>. I have contacted them twice and they haven't fixed the incorrect reporting. 

Thanks, Blessings
Consumer complaint received 2024-07-26
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 writing to express my concerns regarding several issues I have encountered with the credit bureau. These include inaccurate account listings, erroneous credit reporting, billing discrepancies, and accounts that do not belong to me.
Consumer complaint received 2024-09-21
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. (IL)

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 XXXX XXXX, WHICH FALLS UNDER XXXX  ACCORDING TO XXXX-DEBT FINAL RULE 1002.142 ( B ) ( 4 ) -5-1002.142 ( B ) ( 7 ), I KINDLY REQUEST THAT YOU BLOCK ALL INFORMATION FROM MY CREDIT REPORT WITHIN 4 BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. I AM A VICTIM OF XXXX XXXX XXXX XXXX XXXX AND WOULD LIKE FOR ALL LISTED ACCOUNTS TO BE BLOCKED AND DELETED FROM CREDIT REPORT! PLEASE DELETE THE FOLLOWING ACCOUNTS XXXX  XXXX {$320.00}, XXXX XXXX {$0.00}, XXXX XXXX {$2800.00}, XXXX {$1500.00}, XXXX  {$0.00}, XXXX {$4700.00}, XXXX XXXX XXXX {$0.00}, XXXX XXXX  {$760.00}
Consumer complaint received 2023-05-22
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. (TN)

Upon careful review of my updated Credit Report, it has come to my attention that inaccurate information is being reported in my personal credit file. The Credit Reporting Agencies, specifically Equifax, have failed to comply with the provisions outlined in the Fair Credit Reporting Act, specifically 15 USC Section 1681i. They have continued to report unverified information without providing the necessary proof as required by law. Despite my repeated requests, the Credit Bureaus have not properly identified and provided the required verifiable proof within the stipulated timeframe. This unauthorized information includes inquiries that I did not authorize and for which I have not granted written permission. The Credit Bureaus have neglected to remove these inquiries from my credit file as requested : XXXX XXXX XXXX XXXX XXXX XX/XX/2023. Once the unauthorized inquiries have been successfully removed, I kindly ask that you provide me with an updated copy of my credit report. Your timely attention and resolution to this matter will be greatly appreciated.
Consumer complaint received 2024-07-24
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: EQUIFAX, INC. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX XX/XX/XXXX Subject : Request for Removal of Unverifiable and Incomplete Account Information Dear Sir/Madam, I am writing to formally request the removal of an account associated with XXXX from my credit report. The account details are provided below : Account Information : Account Number : XXXX High Balance : {$720.00} ( Equifax XXXX Last Verified : Not Reported Date of Last Activity : XX/XX/XXXX ( Equifax XXXX Date Reported : XX/XX/XXXX ( Equifax XXXX Date Opened : XX/XX/XXXX ( Equifax XXXX Balance Owed : {$720.00} ( Equifax XXXX Closed Date : Not Reported Account Rating : Derogatory ( Equifax XXXX Account Description : Credit card ( Equifax XXXX Dispute Status : Account not disputed ( Equifax XXXX Creditor Type : All Banks ( Equifax XXXX Account Status : Closed ( Equifax XXXX Payment Status : Collection/Chargeoff ( Equifax ) Creditor Remarks : Charged off account ( Equifax ) Payment Amount : {$0.00} ( Equifax ) Last Payment : XX/XX/XXXX ( Equifax ) Term Length : Not Reported Past Due Amount : {$720.00} ( Equifax ) Account Type : Credit Card ( Equifax ) Payment Frequency : Not Reported Credit Limit : {$0.00} ( Equifax ) This account has been previously investigated, and it has been determined that the information provided is unverifiable and incomplete. Despite this, the account remains on my credit report, which is a clear violation of the Fair Credit Reporting Act ( FCRA ). 




The discrepancies and inconsistencies, as outlined above, demonstrate that the account information is not accurate, complete, or verifiable. Specifically : The account is only reported by Equifax and not by XXXX or XXXX. 
The balance owed and the past due amount are the same, indicating potential duplication of information. 
The dates of last activity, report, and opening do not provide a complete timeline. 
Given these significant inaccuracies and the unverifiable nature of the account information, I demand the immediate removal of this account from my credit report by EQUIFAX Please confirm in writing that this account has been removed from my credit report within 30 days of receipt of this letter. Failure to do so will leave me no choice but to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) and seek legal action to enforce my rights under the FCRA. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-23
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)

I request your assistance with the incorrect account being shown on my credit report. This situation has harmed my reputation, and I depend on your help. The improper management of my credit report has led to serious damage to my reputation. Please remove the incorrect details from my credit report promptly.
Consumer complaint received 2024-09-21
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. (MO)

The attached referenced information has violated my consumer rights by reporting a bankruptcy which is not a collection therefore this a violation of my consumer rights. I have also advised of a cease and desist.. Under the fcra laws 15 usc 1681 ( c2 ) and 15 usc 1681 ( a4 ). I am demanding that this information be removed from my credit report immediately.
Consumer complaint received 2022-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX i signed a 60-month contract agreement with XXXX XXXX  XXXX i begin having financial issues unable to make payment on time. recieving late payment statements stating of my failure to make payment on time. XXXX  is reporting the contract is 72 months and my first and last payment was XXXX. ive submitted supporting documents from XXXX  however transunion and XXXX seem to state XXXX  is verfying the debt, i recently made complaint with cfpd regarding XXXX  adverse action regarding not reporting correct information and XXXX, and they deleted the account from my report.i submit compliance with business XXXX XXXX against XXXX  and they fail to reply.
Consumer complaint received 2024-09-21
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. (FL)

I disagree 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, XXXX XXXX XXXX, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that i may follow up. Please send me an updated copy of my credit report after your reinvestigation.
Consumer complaint received 2024-07-24
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (NJ)

The problem statement is I am unable to access my Amazon Prime Visa Account information using the Chase API. I continue to experience issues access my Chase account using the Chase API on AmazonXXXX. This is an ongoing issue for the past three months. I have repeatedly tried to contact Chase about this issue, but they did not understand the problem statement. They alleged that they try to contact me multiple times, but I do not have any proof or documentation that contact happened. 

Moreover Chase has multiple ways of contacting me and multiple ways to verify my information. The address on the letter addressed to me is " XXXX XXXX XXXX XXXX XXXX, NJ XXXX ''. JPMorgan Chase is the loan servicer of this property. It is listed on my account as one of my addresses.

I would like Chase to fix their code and allow me to use the API to manage my account. This is a service provided to every cardholder and I would like to be treated like other cardholders.
Consumer complaint received 2024-09-21
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I am a victim of human trafficking of Debt bondage and would like for the account ( VEROS CREDIT ) to be BLOCK AND DELETED FROM THECOMPANY INFORMATION TRANSUNION LLC AND LAST FOUR OF SOCIAL SECURITY NUMBER ( XXXX ), DATE OF BIRTH XX/XX/year>, MY NAME AS IT APPEARS ON CREDIT REPORT * XXXX XXXX
Consumer complaint received 2023-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: HW Holding, Inc (WI)

I moved out of an apartment owned by XXXX XXXX XXXX. They tried to charge me for an old carpet that was old when I moved in. They sent me an invoice saying I needed to pay XXXX for a carpet that was old. I denied the charge.. hunter warfield then sent me s debt collection notice via email. I sent them certified mail asking for validation of the debt and they then sent me the same invoice that XXXXXXXX XXXX XXXX sent me via email after I asked them to only communicate through the mail. In Wisconsin carpets are part of normal wear and tear and require proof of being new to charge tenants. This company knows this is false because if it was real they would have gotten a court settlement. No court action has ever been taken. This is a false debt that was sent to collections with no proof other than a made up invoice by XXXX XXXX XXXXs and hunter Warfield has now reported this debt to the major credit bureaus. They have violated my consumer rights.
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)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 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. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY
Consumer complaint received 2024-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am writing to you as a concerned consumer regarding the accuracy and fairness of the information contained in my credit report. As you are aware, the Fair Credit Reporting Act ( FCRA ) ( 15 USC 1681 ), which was enacted to promote the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, grants me certain rights to ensure that my credit report is correct and that I am treated fairly in the credit reporting process. 

Under the FCRA, I am entitled to the following rights : The Right to Accurate Reporting The Right to Dispute Inaccurate Information The Right to Be Notified of Adverse Actions The Right to Limit Access to My Credit Report The Right to Privacy and Confidentiality The Right to Seek Damages for Violations I am asserting these rights in my dealings with your agency to ensure that my credit report is accurate, complete, and reflective of my true credit history. Any discrepancies or inaccuracies should be promptly corrected to avoid any adverse impact on my creditworthiness. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-09-21
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)

The Fair Credit Reporting Act ( FCRA ) is a federal law that regulates the collection, dissemination, and use of consumer credit information. It doesn't have a specific " code '' for reporting on your credit report without permission, but it does outline certain protections. 

Key provisions related to reporting without permission include : Permissible Purpose ( 15 U.S.C. 1681b ) : This section states that consumer reporting agencies can only provide your credit report for specific purposes, like when a lender is considering a credit application or when a potential employer performs a background check ( with your consent ). 

Unauthorized Access and Reporting : Under the FCRA, if someone obtains or reports your credit information without a valid reason ( known as " impermissible purpose '' ), this is a violation of the law. 

If your credit information is accessed or reported without your permission, you can file a complaint with the Consumer Financial Protection Bureau ( CFPB ) or potentially take legal action against the party in violation.
Consumer complaint received 2024-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Subject : Request for Investigation of Inaccurate Credit Reporting Dear CFPB Team, I am writing to request your assistance regarding inaccuracies on my credit report that pertain to a XXXX  XXXX bankruptcy., and I am not XXXX, as erroneously reported. This misinformation must be corrected, as it is affecting my creditworthiness. 

I have identified several entries that are inaccurate and should have been deleted, including accounts from XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX and Inquiries that I have no credit for.These creditors previously promised to remove these inaccuatcies, yet they still appear on my credit report. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccuracies and ensure that my credit report reflects fair and accurate information. The FTC supports these consumer protections, emphasizing the need for precise reporting. Given that my name is incorrectly reported with XXXX attached is my Drivers Licence and Social security card, these accounts should have been deleted, I kindly request that you investigate this matter and facilitate the removal of all inaccurate information from my credit reports across all three bureaus. 

Thank you for your attention to this important issue. I look forward to your prompt response. 

Sincerely,
Consumer complaint received 2024-09-23
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)

I am a victim of identity theft. My information was fraudulently used for credit cards. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-09-22
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. (NC)

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



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I received a Credit card application ( not an actual card ) from CapitalOne for a credit card at my address XXXX XXXX XXXX XXXX XXXX XXXX XXXX The application was for person who doesn't live at this address that I have lived at for the past XXXX years. The XXXX was address to a XXXX XXXX XXXX and as a reservation code XXXX. In the past I would ignore it but a member of XXXX I received an alert because of the large data breach back in XX/XX/year> that my name, address and SSN are now on the XXXX XXXX I apologize, if this is premature as I have previoulsy placed a XXXX XXXX  with the XXXX major credit reporting companies.