davidheineman/consumer-finance-complaints-large huggingface dataset:
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. (MA)

I have read my credit report and I see an inaccurate and unlawful account. It has several late payments which are erroneous. The information listed is not aligned whit the other bureaus. This is a big violation of FCRA, please verify these late payments that you claim I did commit. SEND ME documents such as contracts, billing statements, signed agreements and the representatives you spoke whit who verified it WITH AN affidavit. If the requested documents are not met. Please remove these erroneous and unlawful late payments on my payment history like XXXX did. 

I DID MY RESEARCH AND HERE ARE THE LAWS YOU ARE VIOLATING : 15 U.S. Code ss 1681e ( b ), it's crucial that consumer reporting agencies take reasonable steps to ensure the highest possible accuracy of the information concerning an individual in their reports.

15 U.S. Code ss 1681 e ( b ), it is stated that when a consumer reporting agency prepares a consumer report, it must follow reasonable procedures to ensure the highest possible accuracy of the information concerning the individual. 

I am fully aware the under 15 U.S. Code ss 1681i ( 5 ), it is stipulated that if, after a reinvestigation, any disputed information is found to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must promptly delete or modify that information accordingly and notify the information furnisher of the changes.

15 U.S. Code 1681s-2, specifically, the Responsibilities of furnishers of information to consumer reporting agencies, it is noted that within 30 days, you did not properly indicate that this account was under dispute, thereby resulting in a violation of this provision. 

15 U.S. Code 1682n ( b ) civil liability of a natural person I've been violated.

My disputes are detailed and directly related to the accounts in question. A template response WILL NOT BE acceptable response. If, within 15 days after your investigation, you are unable to provide me with verifiable proof, you are obligated to remove erroneous and unlawful late payments on my payment history. Listed below These account should not reflect as negative : XXXX. XXXX XXXX  # XXXX YOU ARE NOT reporting 100 % correctly. You are violating FCRA. DELETE the late payments on my payment history ASAP.
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. (CA)

A few months ago, I examined my credit report and discovered inaccuracies regarding the 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. These is a breach of my rights. I disputed these errors directly with the XXXX credit bureaus and the creditors, but only received generic feedback. As a result, I am filing this complaint based on my investigation. The company is violating sections of 15 USC.
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. (GA)

In accordance with the fair credit reporting act, XXXX XXXX XXXX, account # XXXX has violated my rights. 

15 U.S.C. 1681 SECTION 602 A. Status I have a right to provacy.

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 istructions.
Consumer complaint received 2024-08-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OK)

I am a victim of XXXX XXXX  of Debt bondage I would like for all listed accounts to be BLOCKED AND DELETED BY EQUIFAX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-07-26
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)

My account with XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment reported in 60 days to be removed. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports 8
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

XXXX XXXX company forced me to pay {$170.00} to remove a collection off my credit profile on a insuance policy that was cancelled... i paid the collection off in full so please update to paid and full or delete from my credit report the recietps are attached
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. (NY)

XXXX XXXX XXXX from XXXX XXXX XXXX XXXX - {$1100.00} date opened XX/XX/XXXX XXXX XXXX XXXX from XXXX XXXXXXXX XXXX XXXX  - {$1400.00} date opened XX/XX/XXXX XXXX XXXX XXXX from the XXXX XXXX XXXXXXXX {$1100.00} date opened XXXX, XXXX XXXX XXXX XXXX XXXX from XXXX XXXX XXXX  - {$570.00} date opened XXXX, XXXX XXXX XXXX, XXXX XXXX for {$460.00} date opened XXXX XXXX XXXX XXXX for $ XXXX date opened XXXX, XXXX XXXX XXXX XXXX for {$530.00} date opened XXXX, XXXX XXXX XXXXXXXX XXXX for {$860.00} date opened XXXX, XXXX XXXX XXXX XXXX fro {$650.00} date opened XXXX XXXX. 

all of these and maybe more. I have never owned a credit card, only used a debit card, yet I have all these accounts open or in collection. The phone number on the accounts is not mine.
Consumer complaint received 2024-07-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I cant and wont allow my personal info to continue to be reported incorrectly. It is actively causing issues and effecting my life. I insist you fix and update my info as soon as possible or I will be forced to take legal matters moving forward.
Consumer complaint received 2024-07-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

The negative remarks and inaccurate information have severely affected my credit standing, leading to a significant drop in my XXXX score. This has caused me considerable financial distress and hindered my ability to obtain credit. 

Please treat this matter with urgency and ensure these inaccurate items are thoroughly investigated, blocked, and removed from my credit report. I request written confirmation once the inaccurate information have been removed and my credit report has been updated accordingly.
Consumer complaint received 2024-07-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I've contacted all XXXX Credit Bureaus in regards to reporting inaccurate information on my credit report. I've called each company as well as sent letters certified mail. The account with XXXX was previously removed from my profile after being ( investigated and deemed unverifiable. This account being furnished to my profile is in violation of multiple FCRA laws. 
XXXX. This account was deleted from my profile. I was not notified within XXXX business days nor in writing why or that this account would be refurnished to my profile which is in violation of 15 USC 1681 S-2 ( XXXX ) A. 
XXXX. This account is in violation of reporting transactions specifically in the form of late payments which are to be excluded from my consumer report, which is in violation of 15 USC 1618A ( i ) a. 
XXXX. This account was closed and transferred to another lender but still updating and reporting inaccurate information which is in violation of 15 USC 1681 ( XXXX ) B This account has multiple violations and if not resolved I will be seeking litigation
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy XXXX Case Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-07-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :
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. (VA)

The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, I request to know all the steps your agency took to insure these items were XXXX XXXX accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure
Consumer complaint received 2024-07-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

" After reviewing my consumer report, I noticed that there was still late payment on my consumer report which have never been late because the creditor failed to provide any proof or evidence so this needs to be corrected immediately to paid as agreed and never late. This account is related to a transaction and experience that falls under the EXCLUSION section of the FCRA 's definitions, rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be Corrected. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency name liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please CORRECT this item from my consumer report! According to15 U.S. Code 1681b - Permissible purposes of consumer reports The Law clearly states : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the written instructions of the consumer to whom it relates. I clearly did not give your agency written authorization or written instructions to report this information. Your agency is conspiring with these creditors against me in committing aggravated identity theft and I have sustained defamation of my character, just to name a couple damages should this matter escalate to court. 15 U.S. Code 1681e - Compliance procedures- ( b ) Accuracy of report 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. 15 U.S. Code 1681i ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of 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. ''
Consumer complaint received 2024-07-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (PA)

Report XXXX. 
My mortgage lender XXXX XXXX is unable to pull my credit score from Equifax only. This is an urgent matter because Im in the the process of losing a home. I verified my name, social security number, dob, address that all match with Equifax. They state they dont see any issues. However, this is an ongoing issue. My credit score was pulled in XXXX with no issues. Nothing has changed with me. Please help.
Consumer complaint received 2024-07-31
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. (MI)

Under the Fair Credit Reporting Act, It is your obligation as a XXXX XXXX XXXX to adopt reasonable procedures for handling consumer credit including Personnel, Insurance, and other information in a FAIR and EQUITABLE manner, ensuring confidentiality and proper utilization of such information. 

The List of ( inquiries ) below has violated my federally protected consumer rights to privacy and confidentiality under 15 US Code 1681. 

- XXXX XXXX XXXX XXXX XXXX  XXXX XXXX is that you are furnishing inaccurate information on my report and BY LAW, I have the right to a fair and accurate consumer report, and you are not doing it. So, you are in violation of my rights that the FCRA put in place for me, Which requires XXXX XXXX XXXX to follow reasonable procedures to assure MAXIMUM ACCURACY of information concerning the individual ( me ) to whom the report relates according to 15 U.S. Code 1681 ( e ) ( b ). It is your duty to maintain reasonable procedures designed to avoid violations and to limit the furnishing of consumer reports to the purposes listed in the law.

The term consumer report, DOES NOT INCLUDE, any report containing information solely as to transactions or experiences between the Consumer ( ME ) and the Person 's ( YOUR COMPANY ) making the report. 

According to 15 U.S. Code 1681s-2 ( a ) ( 1 ) section ( a ) and ( b ), 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 2024-07-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records. PLEASE BLOCK AND REMOVE
Consumer complaint received 2024-07-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am requesting the removal of the late payment currently reflected in my credit report. This late payment record is negatively impacting my credit standing, and I believe it should be removed due to the circumstances explained below. 


I trust that the necessary steps will be taken to correct this error and ensure my credit report accurately reflects my payment history. I request written confirmation once the late payment has been removed from my credit report.
Consumer complaint received 2024-08-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (DC)

Chase Bank Account Experienced Account Takeover In Which Multiple Transactions Have Experienced Fraud And Chargebacks That In Which Has Caused Me To No Longer Take Control As I Have Been Signed Out As Well. Pending Transactions And Other Transactions Have No Accurately Been Amongst My Spending Experience. I want to report the account as fraud and to have this account closed immediately
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. (GA)

Dear CFPB RE Transunion File XXXX, Thanks for contacting me Transunion XX/XX/year> regarding my ID Theft claim and my request to block/delete the derogatory information from my credit file within 4 days of receipt. I apologize for any misunderstanding with the first Federal Trade Affidavit that I sent in to you so I have completed a new FTC Report XXXX. I am not certain exactly what happened because you requested that I send one in when that is what I did the first time with my government ID. Nonetheless here is a new FTC Report for you to attach to my file. I took notice just recently because I am trying to get my very first apartment and discovered things that are in no way shape or form that belongs to me. It is a very unfortunate situation that it takes me to try to get my first apartment to discover this. Many accounts I was graduating highschool and no place to live with no reason to open XXXX etc ... accounts and more. 

I completed and provided you a new FTC Report with all accounts and numbers, Descriptions of each account, and all personal identifying information as you requested. 

It would be greatly appreciated if you can assist me with blocking/deleting this information per FCRA 605B ( 15 U.S.C 1681c-2 ) I have contacted each data furnisher to provide me the applications that I applied for these accounts and they have failed to send me anything. 

I included a personal statement on the FTC Report and I also included XXXX XXXX per FTC Customer Service because you can only list so many accounts. So if I can have XXXX XXXX deleted and blocked as well that would be appreciated. They are the debt collector who has failed to provide me any information also.
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. (GA)

I am writing to formally dispute the account listed below, which still appears on my credit report despite a previous investigation. I request an immediate re-investigation of this item, as the inaccuracies are significantly harming my credit score. 

Disputed Account : Creditor : XXXX XXXX XXXX Account Number : XXXX Creditor : XXXX XXXX XXXX Account Number : XXXX Creditor : XXXX XXXX XXXX Account XXXX : XXXX Creditor : XXXX XXXX XXXX XXXX Account Number : XXXX Creditor : XXXX XXXX XXXX XXXX Account Number : XXXX In accordance with the Fair Credit Reporting Act, Public Law 91-506, Title VI, Section 611, Subsection 6 ( B ) ( iii ), please provide the names, business addresses, and telephone numbers of each furnisher of information that was contacted in connection with your verification of this account. 
Additionally, please send me an updated copy of my credit report after your re-investigation. 
Thank you for your prompt attention to this matter.