davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-21
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. (OH)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and list of Inquiries. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Attention : XXXX XXXX, I recently obtained a copy of my credit report from your service and have found the following items to be in error. I have provided documentation as evidence that the items in question are inaccurate and need to be deleted from my credit report. 

The accounts below are more than 7 years old and should be deleted. 

XXXX Reported : XXXX. XXXX, 2024 {$1600.00} Needs Attention XXXX Reported : XXXX XXXX, 2024 {$3100.00} Closed
Consumer complaint received 2024-07-23
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: EQUIFAX, INC. (FL)

To whom it may concern, I requested information on the negative items listed on my credit report and wasnt given a response, i disputed all incorrect and negative its requesting them to be removed.am requesting information in how the company verified these accounts Based on 15 usc 1681 -i7 I would like to have a description of how the verification was done and I am requesting who was the source that verified and how was this information verified.
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. (TX)

I have a debt listed twice on my credit report. It's under the original creditor and the collection agency it was sold to. Both still have a balance. The original creditor balance is supposed to be {$0.00} but it still shows the same balance. I submitted multiple disputes with both XXXX and TransUnion. I think the practice of relying on computers is preventing this from being fixed. They think I'm disputing the debt but I'm not. I'm disputing the balance of the original creditor. 
Both the original creditor and the collection can't both have a balance, I can only owe XXXX of them.
Consumer complaint received 2023-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions 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. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-09-21
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. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX Account Number : XXXX Reference Number : XXXX Dear XXXX XXXX XXXX XXXX I am writing to formally dispute the debt that you are claiming I owe. I request that you provide the following information for verification and validation of this debt : XXXX. **Purchase Agreement** : Please provide a copy of the original purchase agreement between you and the original creditor showing the transfer of the debt. 
XXXX. **Cancellation of Debt** : If the original creditor has canceled the debt, please provide documentation to confirm this. 
XXXX. **Chain of Title** : I request the full chain of title for the debt, including any assignments, sales, or transfers from the original creditor to you. 
XXXX. **Payment History** : Please provide details on when the last payment was received on this account, including the date and amount of the last payment. 
XXXX. **Judgment** : If there is any judgment against me regarding this account, please provide documentation to substantiate this claim. 
XXXX. **Statute of Limitations** : Kindly confirm whether the statute of limitations on this debt has expired. If it has, I request that you cease all collection activities immediately and update any credit reporting related to this account. 
Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request this information and expect a prompt response. If you can not provide adequate documentation, I request that you cease collection activities and remove this account from my credit report. 
Please consider this letter a formal request for all communications regarding this matter to be in writing. 
Thank you for your prompt attention to this matter. I look forward to your timely response. 
Sincerely, XXXX XXXX
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. (NY)

As per the guidance from the Consumer Finanical Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due XXXX XXXX XXXX XXXX, which falls under XXXX  according XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request the you block this information from my credit report within four business days, pursuant to section 605C of the Faoir Credit Reporting Act. I am a victim of XXXX XXXX of XXXX XXXX and would like for all list accounts to be blocked and deleted company information Transunion. Please delete the following accounts, XXXX XXXX bal. {$750.00}, XXXX XXXX, {$2000.00}, XXXX XXXX, {$4500.00}, XXXX  Bal {$700.00}, XXXX XXXX XXXX {$4300.00}, XXXX  XXXX Bal {$880.00} XXXX XXXX {$1700.00}, XXXX XXXX {$6400.00}, Bankruptcy.
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. (NJ)

I DO NOT OWN THE ACCOUNTS STATING BALANCES ON MY REPORT PLEASE REMOVE. MY CREDIT SCORE IS BEING SEVERELY DAMGED AND I AM UNABLE TO GET APPROVED FOR CREDIR CARDS AND LOANS.

The List of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX Date Opened- XXXX XXXX XXXXXX/XX/XXXX Balance- {$700.00}, XXXX XXXX Date Opened- XX/XX/XXXX Balance- {$1000.00}, XXXX XXXX Date Opened- XXXX XXXX XXXX  Balance- {$300.00}. 

The information is incorrect and does not belong to me. 

I looked at my TransUnion credit report on XX/XX/XXXXXXXX XXXX XXXX and noticed some things are incomplete and not accurate. 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 supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, 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 supposed 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 2024-09-21
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. (MO)

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. 

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 XXXX 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 informationisinaccurate.
Consumer complaint received 2024-09-21
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. (FL)

I am writing to formally dispute several negative accounts on my credit report, as I believe these accounts are the result of XXXX XXXX. I have recently discovered unauthorized transactions and accounts opened in my name that I did not initiate. This fraudulent activity has caused significant harm to my credit history and financial well-being. 

I appreciate your prompt attention to this matter. Please confirm receipt of this dispute and provide me with a timeline for the resolution process. You can contact me at the provided phone number or email address if you require any additional information. 

Thank you for your assistance.
Consumer complaint received 2024-07-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (OH)

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.

15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-09-21
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. (AZ)

XXXX XXXX XXXX emailed me claiming I owe a debt. I responded by requesting validation and verification of the debt. They replied, stating I needed to create an account with them to dispute the debt. Instead, I mailed them a formal letter requesting validation and verification. Despite this, as of XX/XX/XXXX, they reported the debt to TransUnion, XXXX, and XXXX without providing the requested information. This is a violation of the law.
Consumer complaint received 2023-03-16
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: Experian Information Solutions Inc. (TX)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-09-21
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. (TX)

I am writing to file a formal complaint against [ name of the credit bureau ] due to the unresolved status of previous disputes regarding unauthorized inquiries on my credit report. I have submitted formal disputes on three separate occasions ( [ date of the first dispute ], [ date of the second dispute ], [ date of the third dispute ] ), but I have not received an adequate resolution. I believe the actions ( or inactions ) of the credit bureau constitute violations of the Fair Credit Reporting Act ( FCRA ). 

Disputed Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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. (AZ)

TO WHOM it may concern I am writing to report that I am a victim of identity theft. An unknown individual has fraudulently opened a XXXX XXXX XXXX XXXX credit card account and a XXXX account in my name. These unauthorized accounts have been reported to the three major credit bureaus : XXXX, TransUnion, and XXXX. Details of Fraudulent Activity : 1. XXXX XXXX XXXX XXXX Credit Card Account : - This account was opened without my knowledge or consent. ON XX/XX/XXXX under the account number XXXX - I have not authorized any transactions or actions related to this account. I HAVE TRIED to communicate with you guys but i haven't seen any positive results in the matter, Impact on My Credit Report : These unauthorized accounts have negatively impacted my credit reports with XXXX, TransUnion, and XXXX. As a victim of identity theft, I am invoking my rights under the Fair Credit Reporting Act ( FCRA ), particularly Section 605B, which allows for the blocking of information that is the result of identity theft. Under FCRA Section 605B, I am requesting that the fraudulent accounts be blocked from my credit reports. This provision mandates that credit reporting agencies must block the reporting of information that resulted from identity theft within FOUR business days upon receipt of proof of identity, an identity theft report, and an official request to block the fraudulent information., and if for some reason this item doesn't getting deleted or blocked, you guys are violating my right under FCRA XXXX this are fraudulent account in my name that wasn't opened by ME I REPEAT SOMEONE IS USING MY NAME I am requesting your assistance in this reinvestigating this matter and taking the appropriate actions to prevent further harm DESIRED OUTCOME : PLEASE REMOVE ACCOUNTS FROM CONSUMER FICO CREDIT REPORTS VICTIM INFO : NAME : XXXX XXXX XXXX Of Birth : XX/XX/XXXX Contact info : XXXX Email : XXXX Address : XXXX XXXX XXXX XXXX, XXXX Arizona XXXX XXXX
Consumer complaint received 2024-09-21
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)

I reviewed my consumer reports and noticed that I had multiple late payments on account that I was never late for. The consumer reporting agencies have assumed a vital role and have responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that I have included screenshots inside this complaint in on dates of ( XXXX ). Please investigate and provide proof with statements showing that these payments were late. If proof cant be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact I was never late. Thanks! Please see screenshot attached.
Consumer complaint received 2024-09-21
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. (CA)

I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and overall credit health.
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. (NV)

Name : XXXX XXXX XXXX - Address : XXXX XXXX XXXX XXXX - City, State, Zip : XXXXXXXX XXXX XXXX  Social XXXX **Date : XX/XX/year> Company Information : - Company Name : XXXX XXXX XXXX XXXX **Subject of Complaint : ** Reinsertion of Deleted Information on Credit Bureau File **Complaint Details : ** I am writing to formally submit a complaint against XXXX XXXX XXXX XXXX regarding the unauthorized reinsertion of information on my credit report that was previously deleted. 

**Background : ** 1. **Account Information : ** - Account Number : unknown - Original Creditor : XXXX XXXX XXXX XXXX XXXX Type of Account : Auto Loan 2. **Timeline of Events : ** - On XX/XX/year>, I discovered that inaccurate information related to my account was reported to the TransUnion credit bureaus. 
- I disputed this information with the credit bureaus on and the information was subsequently deleted from my credit report. 
I noticed that the previously deleted information was reinserted into my credit report without my consent or notification. 

**Nature of the Complaint : ** The reinsertion of this information is not only misleading but also detrimental to my credit score and financial standing. Under the Fair Credit Reporting Act ( FCRA ), I understand that a creditor must provide proper notice before re-inserting any information that has been previously deleted. I did not receive any such notice from XXXX XXXX XXXX XXXX, nor was I given an opportunity to dispute the reinserted information. 

**Impact : ** The reinserted information has negatively affected my credit score, making it more difficult for me to secure loans and affecting my overall financial health. I believe this action by XXXX XXXX XXXX XXXX is a violation of my rights under the FCRA. 

**Resolution Sought : ** I request that the CFPB investigate this matter and take appropriate action against XXXX XXXX XXXX XXXX for their failure to comply with the FCRA . Additionally, I seek the following resolutions : 1. Immediate removal of the reinserted information from my credit report. 
2.Assurance that proper procedures will be followed in the future to prevent similar occurrences. 

Thank you for your attention to this matter. I look forward to your prompt response and resolution of my complaint.
Consumer complaint received 2023-03-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (DC)

I applied for forgiveness under the Limited PSLF Waiver program. The loan services provider that I am dealing with is Mohela. I submitted documentation on time during the window for forgiveness. I have worked at eligible employers, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX and the XXXX XXXX XXXX during the eligible period, from XXXX to present. Both employers confirmed my employment and I submitted supporting documentation. My application was submitted in XX/XX/XXXX ( prior to deadline of XX/XX/XXXX ). I consolidated my loans as required and they have been in forbearance since then waiting for a final determination on my forgiveness application. Just recently I received notification that said I was not eligible because I didn't not have any PSLF qualifying payments. But they based that determination by ignoring the last 13 years that I worked for the XXXX ( i.e. federal government ). I made all required qualifying payments. I have tried calling a number of times and am put on hold or given unhelpful responses that do not address the underlying issues. I qualify for the Limited PSLF Waiver based on the eligibility criteria that was provided through the Department of Education materials and website.
Consumer complaint received 2024-09-21
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. (FL)

I am writing to urgently notify you that I have been a victim of identity theft, resulting in numerous fraudulent accounts and inquiries appearing on my credit report. These accounts and inquiries were made without my knowledge or consent, and I am requesting immediate action to address and remove them. 

ACCOUNTS - XXXXXXXX XXXX XXXXXXXX - XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX I have already filed an identity theft report with the Federal Trade Commission ( FTC ) and am demanding the prompt removal of these fraudulent accounts and inquiries to restore the accuracy of my credit report.