davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-26
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)

I found that some of my accounts on the report that are not reporting a 100 % accurate data which violates the FCRA Law. Kindly review these accounts below and provide me update of the changes and corrections on these accounts in 30 days : XXXX XXXX XXXX XXXX Opened : XXXX XXXX, XXXX Balance : {$9300.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX Opened : XXXX. XXXX, XXXX XXXX : {$4800.00} XXXXXXXX XXXX Opened : XXXX. XXXX, XXXX Balance : {$10000.00} XXXX XXXX SER Opened : XXXX XXXX, XXXX Balance : {$600000.00} XXXXXXXX XXXX XXXXXXXX balance : {$16000.00} Date opened : XX/XX/XXXX I also found some fraudulent accounts that are reporting on my credit report below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Balance : {$0.00} XXXXXXXX XXXX Opened : XX/XX/XXXX Balance : {$4200.00} XXXX XXXXXXXX Opened XXXX XXXX XXXX XXXX XXXX XXXX {$580.00} XXXX to XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX Opened : XXXX XXXX XXXX XXXX Balance {$1500.00}
Consumer complaint received 2021-07-28
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. (FL)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it XXXX that you have on file for the account listed below. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below.
Consumer complaint received 2024-07-27
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)

Tonight, I discovered inaccuracies on my credit report and I dont know why. When I reviewed my credit report like I usually do, I found discrepancies that hadn't been there before. I refreshed my browser, thinking it might be a technical error, but the incorrect accounts persisted. Therefore, I am asking for a thorough review of the documents I've submitted to ensure I wont have to deal with this problem again.
Consumer complaint received 2024-09-20
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. (WA)

This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found an item on the report that was inaccurate. The account in question is listed below. Please send me copies of the documents that vou have in vour files as of this date that you used to verify the accuracy of the accounts listed below. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the account that you are reporting in my credit report. Please don't respond to my request by saying that this account have been verified. Send me copies of the documents that you have in your files that were used to verify it. If you do not have any documentation in your files to verify the accuracy of the disputed account then please delete it immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing this inaccurate and unverified item on my credit report and distributing it to 3rd parties you are damaging my reputation and credit worthiness Under the FCRA 15 U.S.C. 16811, all unverified accounts must be promptly deleted Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing this item removed. I demand the following account be properly verified or removed immediately.
Consumer complaint received 2024-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (TX)

I have requested for the credit bureau XXXX XXXX XXXX Genesis credit management to send legal written documents over showing how they validated the debt owed by the debt collector " Genesis credit management which they fail to do so. 





XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX SSN : XXXX To whom it may concern : This letter is in response to your recent claim that Genesis credit management has verified that the account they are reporting under my name is accurate. 
Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( 15 ) days of the completion of your investigation. 
Additionally, please provide the name, address and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of documents provided bearing my signature, showing that I have a legally binding contractual to pay them the exact amount claimed. 
Any automated response or XXXX verification is unacceptable. I am requesting a re-investigation AND your Method of Verification.

Be aware that I am making a final Goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. 
I am maintaining a careful record of my communication with you for the purpose of filing a complaint with the Consumer Financial protection bureau and the Attorney generals office, should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( XXXX XXXX XXXX, XXXX XXXX ) you may be liable for your willful non-compliance.

Failure to respond satisfactorily within 30 days of receipt of this letter may result in a small claims action against your company, seeking {$1000.00} per violation for 1. Genesis Credit Management My contact information is as follow : XXXX XXXX XXXX
Consumer complaint received 2024-09-25
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)

My personal information was stolen in XXXX, since then Ive been seeing a lot of unauthorized inquiries and accounts. Ive attached a federal trade commission report pertaining to the incident. In accordance with the Fair Credit Reporting act multiple unauthorized Inquiries have been found on my credit report please investigate and Remove all inaccurate inquiries I have listed immediately, the following includes : XXXX XXXX ( Bank ) : XX/XX/XXXX : XXXX XXXX XXXX ( Bank ) : XX/XX/XXXX : XXXX ( Finance ) : XX/XX/XXXX : XXXX  XXXX ( Bank ) : XX/XX/XXXX : XXXX  XXXX ( Bank ) : XX/XX/XXXX : XXXX  XXXX ( Finance ) : XX/XX/XXXX : XXXX  XXXX ( Bank ) : XX/XX/XXXX : XXXX XXXX ( Finance ) : XX/XX/XXXX : XXXX  XXXX ( Bank ) : XX/XX/XXXX : XXXX XXXX XXXX ( Finance ) : XX/XX/XXXX : XXXX XXXX XXXX ( Finance ) : XX/XX/XXXX : XXXX XXXX XXXX ( Finance ) : XX/XX/XXXX : XXXX  XXXX ( Bank ) : XX/XX/XXXX : 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 hand written instructions. 15 U.S.C 1681i Section a : states that if the completeness or accuracy of any item of information contained in a consumers 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 if no documentary evidence is found in accordance with FCRA, 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.
Consumer complaint received 2024-09-25
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)

According to Law FRCA SECTION 605b, it is illegal to report information on my credit report without my permission. I noticed financial institutions disclosed my non-public personal information to multiple non-affiliated third parties and I was never provided with any notices to give any consent to those said parties stated within the law 15 USC 6802. Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-27
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. (NJ)

I was the victim of identity theft and the person used my information to rent a lease last year in XX/XX/year> that resulted in unpaid rent of {$880.00} that now a second collection agency ( XXXX XXXX XXXX  ) is trying to collect on. XXXX is incorrectly reporting on this fraud in my credit report. I would like for XXXX to remove this negative mark as soon as possible.
Consumer complaint received 2024-09-25
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)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ga, XXXX XXXX XXXX XX/XX/year> Subject : Demand for Deletion of Inaccurate Information and Request for Validation of Debt Dear whom this may concern, I am writing to formally dispute inaccurate information reported on my credit report and to demand the deletion of this information in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Upon reviewing my credit report, I identified accounts that I believe are inaccurately reported. I am requesting that you conduct a thorough investigation into these discrepancies. Specifically, I challenge the validity of the debts associated with these accounts and demand proof of their validity, including : A copy of the original contracts with my wet signature. 
Documentation proving that I applied for these alleged credit accounts. 
These requests are made under the FCRA, which requires credit reporting agencies to ensure the accuracy and integrity of the information they report. Failure to provide this evidence constitutes a violation of 607 ( b ) of the FCRA, which states that agencies must follow reasonable procedures to ensure maximum accuracy. Additionally, under 623 ( a ) ( 6 ) of the FCRA, you are required to investigate disputes and provide timely responses.

If you are unable to provide the required documentation to substantiate these debts, I demand that you immediately delete the disputed accounts from my credit report. Please confirm the deletion in writing.

I expect a response within 30 days as mandated by the FCRA. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

It's been a long time that I have been trying to fix the errors on my report and yet my requests to correct and remove false and inaccurate information keeps getting denied and/or disregarded. As a consumer, I know I have rights and that very right is being violated with what these companies are reporting on my credit that are not the maximum possible accuracy. It's hurting my credit score and impacting my life negatively.
Consumer complaint received 2024-09-25
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)

ALL THESE INQUIRIES ARE RESULTS OF IDENTITY THEFT -XXXX OPENED XX/XX/year> XXXX OPENED XX/XX/year> XXXX XXXX OPENED XX/XX/year> XXXX XXXX OPENED XX/XX/year> XXXX
Consumer complaint received 2023-02-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC. (TX)

XXXX is an account that is more than 7 years old. 

XXXX XXXX is more than 7 years old. 

XXXX XXXX credit is not my account. 

Neither of these XXXX items should be showing up on my credit reports according to the Fair Act Credit laws... XXXX and XXXX XXXX are more than 7 years old and should be completely removed from my credit reports and not showing up as closed they should be completely removed from Equifax, XXXX and XXXX... First Access has been sold to a third party and was not even mine to begin with, yet it is still showing on my credit reports... How many times must a consumer contact the credit bureaus before those at the bureaus abide by federal law and practices... I have put in complaints through your office at least three times ... .. Will you put a stop to the nonsense of the three credit bureaus that continue to put items on my credit that goes against the fair credit laws ..... Thank you for taking out the time to read my complaint... Have A Wonderful Blessed Day
Consumer complaint received 2024-07-27
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)

Tonight, I discovered that inaccurate accounts have surfaced on my credit report, and I can't figure out the reason. I checked my credit report as usual, but this time, there were unexpected discrepancies. I tried refreshing my browser to see if it was just a technical glitch, but it wasn't. The errors didn't disappear with a refresh. Because of this situation, I am requesting a thorough review of the documents I've sent to ensure I won't have to worry about this again.
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

I'm lodging a complaint about late payments on my credit record. My review revealed these late payments, and despite sending letters over XXXX  days ago, I've received no response or adequate validation. I'm seeking your help to resolve this quickly and effectively.
Consumer complaint received 2024-09-25
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 following accounts has violated my rights : XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) Account Number : XXXX TransUnion XXXX XXXX / XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) Account Number : XXXX TransUnion/ XXXX
Consumer complaint received 2024-09-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (GA)

I need this collection removed from my account immediately. It's completely inaccurate, and it's already affecting my credit score. Ive reviewed my records, and theres no reason this should be on my account. This needs to be fixed right away.
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 — Investigation took more than 30 days
Company: EQUIFAX, 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. 


XXXX XXXX XXXX
Consumer complaint received 2024-09-23
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: EQUIFAX, INC. (NC)

Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I checked my credit report and seen unknown inquiries on my credit report
Consumer complaint received 2024-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

These accounts have been reporting on my report and has given me so much stress for the past months. All I ask of you is to verify whether or not these accounts belongs to me, because its inaccuracies have been affecting my credit scores and have deprived me off of my financial opportunities- which deprives me just as much of my dreams.
Consumer complaint received 2024-07-26
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. (VA)

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 information is inaccurate.
Consumer complaint received 2024-09-24
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 addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft.

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"
Consumer complaint received 2024-07-27
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)

I am writing to dispute a fraudulent account from XXXX XXXX that remains on my consumer report. XXXX XXXX purchased the debt from XXXX XXXX XXXX, which has already confirmed and removed the fraudulent account from my profile after an investigation. Despite providing proof of this, XXXX XXXX has refused to remove the account. 

The account details are : Account Number : XXXX Merchant : XXXXXXXX XXXX XXXX  - XXXX XXXX Amount Owed : {$820.00} I have attached documentation from XXXX XXXX XXXX confirming the account 's fraudulent nature and proof of its removal from my profile. I request the CFPB 's assistance in having this account removed from my report immediately. 

Thank you for your prompt attention to this matter.
Consumer complaint received 2024-07-27
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)

I have had this exact same collections account removed from my credit profile by disputing it and asking for documentation verifying my involvement with the original account as well as any other supporting documentation on three separate occasions with three other debt collections agency 's. Each time they removed this collection account off of my credit report and then I guess they simply sell it to the next debt collection agency. This is literally the only negative item on my credit report. I was recently denied housing because of it. This is unfair, unethical and a violation of my rights as a consumer. 

In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights.

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