davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-18
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. (GA)

Dear Sir/Madam, I am writing to file a formal complaint against XXXX, XXXX, Transunion for their refusal to update my personal information on my credit report. On XX/XX/2024, I submitted a personal information update letter to XXXX, XXXX, Transunion, requesting the correction of my address and other personal details. This letter was accompanied by the necessary documentation, including a copy of my driver 's license, Social Security card, and a utility bill to verify my address. The document was also notarized. 
However, on XX/XX/2024, I received a response from XXXX, XXXX, Transunion stating that my request could not be processed because I did not provide a government ID. This statement is incorrect and misleading, as I had included all required documents, including a government-issued ID, in my initial submission. 
Attached to this complaint, you will find a copy of my original personal information update letter and all supporting documents that were submitted to XXXX, XXXX, Transunion. 
I believe that XXXX, XXXX, Transunion 's refusal to update my information is a violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically under sections 15 U.S.C. 1681i ( Procedure in case of disputed accuracy ) and 15 U.S.C. 1681e ( b ) ( Compliance procedures to ensure maximum possible accuracy ). 
XXXX, XXXX, Transunion 's failure to acknowledge and properly review the provided documentation is a direct violation of my rights under the FCRA. According to the FCRA, consumers have the right to dispute inaccurate information on their credit reports and must be provided with a fair and reasonable investigation of their dispute. By ignoring the documentation I provided, TransUnion has failed to uphold their obligation to conduct a fair investigation, thereby violating my consumer rights.
Consumer complaint received 2023-03-17
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. (PA)

I have already filed a complaint as of today, only one account was deleted from my credit report. I requested all 3 bureau 's to remove 3 accounts total that does not belong to me. They only removed 1. They updated the other two and kept them on my profile. They are aware of the identity theft and also have that note on my profile and still haven't removed the other two accounts. The other two account I need removed is from XXXX XXXX XXXX. These two accounts do not belong to me.
Consumer complaint received 2024-09-17
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. (SC)

" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. 
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''
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. (CO)

XXXX XXXX XXXX XXXXXX/XX/year> I am demanding a deletion of the bankruptcy it does not belong to me and it is not reporting correctly its stopping me for so much time things I can do in life can you please remove it.
Consumer complaint received 2024-09-17
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)

On XX/XX/XXXX I submitted a complaint that still have not been resolved. Below is the original complaint message : I have recently reviewed my credit profile and seen some inaccurate information. Auto market of Florida is claiming that I owe XXXX. I recently tried disputing with XXXX and Transunion this past XXXX but they gave a response stating that the information was correct. The FCRA law of accuracy states that It is the credit reporting agency 's responsibility to report only true information it also says, the reported information should reflect MAXIMUM accuracy. Also, the collection is in breach of the North Carolina statute of limitation which is 3 years. This account has been closed since XX/XX/XXXX which is 5 years.
Consumer complaint received 2024-09-18
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 received the letter with my dispute results from your Agency and I need to know WHY these accounts are still remaining and they are claiming they have been verified. Thats impossible because these creditors are denying any record of a dispute from their company! I am maintaining a careful record of my communications with your Agency for the purpose of filing a complaint with your agency.

15 USC 1681 ( a ) ( 4 ) infringed upon a consumers right to Privacy
Consumer complaint received 2024-09-17
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. (MS)

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 acct # XXXX XXXX  XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  ) acct # XXXXXXXX XXXX XXXX XXXX acct # XXXX XXXX XXXX  acct # XXXX XXXX XXXX  XXXX  ( Original Creditor : XXXX XXXX acct # 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 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 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: EQUIFAX, INC. (GA)

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 Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : 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 2024-09-17
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)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability ton obtain credit .It is my understanding that you will investigate these items for me to ensure accuracy here is the item I am asking you to verify as accurate XXXX XXXX XXXX account number 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. (NY)

Someone opened an account in my name. I never opened this account nor did I even receive this card. I asked to submit a fraud complaint and they refused because I wouldn't give them my full social security number. I refuse to give it out to a company that has a card in my name that I didn't open. Not to mention I never had a credit card company ask for my full.social security number. When I finally received a bill it was for plane tickets which common sense would be able to see if I boarded a plane or not. I haven't flew on a plane in about XXXX  years and it was only 1 time. I XXXX  the company 's number and it states it's a scam so how is this company allowed to report a fraudulent account and destroy my credit score that I have worked hard to earn. Again common sense shows I pay all my bills on time. Transunion must have morons working for them because they agreed with the company. Probably working with the company to make customers pay for credit monitoring. The company is called XXXX XXXX XXXX XXXX XXXX. The amount in question is {$2600.00}. I then receive a letter saying they need more information before new charges can be allowed.
Consumer complaint received 2024-09-18
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)

" 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 2024-09-17
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. (AR)

My name is XXXX XXXX and I'm not filing this claim in the 3rd person. I am a living XXXX  who's privacy rights have been violated. The accounts listed below have reporting to my personal reports and has had a negative affect on my life extremely reducing the ability obtain any credit in my name. 

ACCOUNT : XXXX XXXX XXXX ( Original Creditor : XXXX  ), Amount {$340.00}, ACCT # XXXX ACCOUNT : XXXX ( Original Creditor : XXXX XXXX XXXX  ), AMOUNT {$12000.00}, ACCT # XXXX ACCOUNT : XXXX XXXX XXXX XXXX ( Original Creditor : XXXX ), AMOUNT {$3100.00}, ACCT # XXXX ACCOUNT : XXXX XXXX XXXX, AMOUNT {$14000.00}, ACCT # XXXX ACCOUNT : XXXX XXXX, AMOUNT {$2400.00}, ACCT # XXXX ACCOUNT : XXXX, AMOUNT {$300.00}, ACCT # XXXX ACCOUNT : XXXX XXXX XXXX XXXX {$1300.00}, ACCT # XXXX ACCOUNT : XXXX FED XXXX XXXX, AMOUNT {$7300.00}, ACCT # XXXX ACCOUNT : XXXX XXXX XXXX, AMOUNT {$6100.00}, ACCT # XXXX ACCOUNT : XXXX XXXXXXXX, AMOUNT {$670.00}, ACCT # XXXX ACCOUNT : XXXX XXXX XXXXXXXX XXXX, AMOUNT {$500.00}, ACCT # XXXX ACCOUNT : XXXX XXXX, AMOUNT {$1800.00}, ACCT # XXXX ACCOUNT : XXXX XXXX XXXX XXXX XXXX Creditor : XXXX XXXX XXXX XXXX AMOUNT {$690.00}, ACCT # XXXX ACCOUNT : XXXX XXXX XXXX ( Original Creditor : XXXX FS XXXX XXXX XXXX XXXX XXXX, AMOUNT {$610.00}, ACCT # XXXX ACCOUNT : XXXX XXXX XXXX ( Original Creditor : XXXX  XXXX BANK N.A. ), AMOUNT {$1200.00}, ACCT # XXXX ACCOUNT : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ), AMOUNT {$600.00}, ACCT # XXXX ACCOUNT : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ), AMOUNT {$1700.00}, ACCT # XXXX XXXX XXXX  XXXX XXXX {$550.00}, ACCT # XXXX INUQURIES : XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX I have asked these companies to validate and send proof that these accounts belong to me with contracts I signed in wet signatures. So far, they have not done this.
Consumer complaint received 2024-09-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

XXXX XXXX : XXXX XXXX/XXXX/XXXX This CFPB complaint has been filed to request pursuant to FCRA & 605B ( 15 U.S.C & 1681c-2 ) 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 XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX Bank on XX/XX/XXXX under the account number XXXX, and a collection account opened at XXXX on XX/XX/XXXX. These accounts appear have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive attached a list of hard inquiries in question as well as a copy of the consumer report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, and hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer report by you were not opened, made or initiated by me. All of the aforementioned accounts, collections, and hard inquiries 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, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2024-09-18
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. (FL)

ATTACHED IS A CREDIT REPORT FOR XXXX XXXX THE PHONE NUMBER XXXX IS TO BE DELETED AS WELL AS XXXX. 
THIS INFORMATION WAS INCORRECTLY REPORTED AND REMOVED FROM MY ALSO KNOWN AS FILE 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: EQUIFAX, INC. (GA)

ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.
Consumer complaint received 2024-09-18
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)

This inaccuracy in my account has been negatively affecting me, and it's so frustrating to constantly reach out to you without any proper response on whether this account has been deleted or not. All I ask is for this account to be removed due to the repercussions of my credit scores, this is my lifeline.
Consumer complaint received 2024-09-16
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)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX XXXX XXXX, which falls under trafficking according to XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). 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 am a victim of XXXX XXXX XXXX XXXXXXXX XXXX and would like for all listed accounts to be blocked and deleted company information from TransUnion. Please delete the following accounts : 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 2024-08-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc. (TX)

See XXXX complaint ticket. THIS IS THE SAME ONE. The company closed the complaint and CFPB accepted it. I DO NOT CONSENT TO THIS. Reopen that ticket. It is not closed. The COMPANY DID NOT RESOLVE IT.
Consumer complaint received 2024-09-22
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. (CA)

I am writing to formally lodge a complaint concerning inquiries on my credit report that I neither recognized nor consented to. These unauthorized inquiries are not only concerning but also damaging to my financial reputation. It has come to my attention that certain inquiries have been made on my credit report without my consent or knowledge. I want to emphasize that I have no association with these inquiries and have never authorized any entity to access my credit information in this manner.
Consumer complaint received 2024-09-18
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)

I am seeking your help to address the incorrect account that is affecting my credit report. I bring this up because it has caused harm to my reputation, and your assistance is needed. The errors in my credit report management have led to my reputation being destroyed. It is imperative that you remove these false entries from my credit record.
Consumer complaint received 2024-09-16
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. (TX)

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 




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

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

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-07-05
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. (LA)

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

15 U.S.C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) 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 ) ( XXXX ) 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 2024-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

The ferderal student loans reporting on my credit reflect an incorrect date opened of XXXX. These loans were opened in XXXX  and were paid off and closed. Then somehow reopened in XXXX. I have tried resolving this with the department of education with no luck. These loans are being falsely reported on my credit report.