davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment XXXX, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-09-04
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: Experian Information Solutions 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 2024-09-26
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. (LA)

In response to CFPB complaint # XXXX - XXXX my name is XXXX XXXX a federally protected consumer, and Iam making this complaint against XXXX  XXXX # XXXX the Company has 30 days 15 USC 1681s-2 ( 8 ) ( e ) gives the furnisher of information 30 days the same standard that is upheld by the consumer reporting agency 15 USC 1681i ( A ) 1 ( a ). I will not be granting any extension, because if the roles were reversed and, I could not substantiate any validity in what Iam saying. They would go for a default judgment, or they would go and file a claim the law gives them 30 days. I expect you to uphold those policies, we will not make special arrangements for anyone with any special treatments for anyone with any special treatment. Company have violated 15 USC 1691s-2 ( 8 ), 15 1681i ( A ) 1 ( a ), 15 1681 i ( 5 ) ,15 USC 1692c ( c ). So you are saying? with all the violations, I should let them violate my consumer rights more by having them waive, and still furnish inaccurate information on my consumer report? I think not the is very clear about information being accurate and furnisher of information are prohibited from reporting any information that is inaccurate are they know or believe to be inaccurate. 15 USC 1681S-2 ( A ), and 15 USC 1681s-2 ( B ) and I except the prompt deletion of this account from my consumer reports. XXXX  XXXX # XXXX
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. (NY)

When I checked my credit report this morning, I was utterly surprised to find inaccurate accounts listed, and I have no idea where they came from. I always check my report, and suddenly, there are mistakes that didnt exist before. I refreshed my browser multiple times, hoping it was a glitch, but nothing changed. I now ask that my documents are carefully inspected to ensure this problem is resolved, so I dont have to face this stress again.
Consumer complaint received 2024-09-26
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. (OH)

I was notified that my information was part of a Transunion data breach. I contacted the FTC and filed a report. According to FCRA 605b, 15 USC 1681b the inquires below needed to be deleted and blocked immediately from my consumer report. Transunion is currently violating my privacy according to the privacy act of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

In accordance with the fair Credit Reporting Act the list of accounts I have below have also been attached in my letters and FTC Report, have violated privacy federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Hard Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Accounts : XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF EDUCATION/XXXX XXXX  DEPT OF EDUCATIONXXXX XXXX DEPT OF EDUCATION/XXXX XXXX DEPT OF EDUCATIONXXXX XXXX DEPT OF EDUCATIONXXXX XXXX DEPT OF EDUCATIONXXXX XXXX DEPT OF EDUCATIONXXXX XXXX DEPT OF EDUCATIONXXXX XXXX DEPT OF EDUCATIONXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/DEPT OF ED XXXX 15 USC 1681 section 602 A states I have a right to privacy.

15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish any account without my written instructions.

15 USC 1681c ( a ) ( 5 ) states no consumer reporting agency may report any items of information or adverse items other than criminal convictions record which pre dates the report by more than 7 years.

15 USC 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 2024-09-18
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. (MD)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-09-18
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. (IL)

A month ago, I submitted a complaint to these Bureaus, but the incorrect information on my report is still there. I haven't heard back from them, aside from your notification that the company has replied to my complaint. How can I trust that they've properly investigated the inaccuracies? What steps did they take to verify the accounts? This entire situation is really frustrating, especially since it's been over 30 days since I filed my complaint.
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)

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  Account Number : XXXX Account Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX 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 2024-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, the XXXX and Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of receiving this complaint. I am filing this FTC Identity Theft Affidavit to report multiple fraudulent inquiries and accounts which I do not recognize as reported and which are the result of identity theft and fraud. Specifically, these fraudulent accounts include : A Inquiry with XXXX XXXX XXXXXXXX XXXX XXXX ( XXXX ) A Inquiry with XXXX XXXX XXXXXXXX XXXX XXXX XXXX ( Equifax )
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)

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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. (GA)

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 four business days of you receiving this complaint. This fraudulent, inaccurate, and false information being reported includes a personal loan that was opened at XXXX XXXX on XX/XX/XXXXXXXX XXXX XXXX XXXX under the account number XXXX, as well as a collection account opened at XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX under the account number XXXX with a balance of {$33000.00}. These accounts have resulted in multiple fraudulent collections being reported on my consumer XXXX credit report. I have attached a copy of the consumer XXXX credit report which shows the aforementioned fraudulent items. I do not recognize the aforementioned loan or the collection account as reported. The aforementioned loan and collection accounts appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned loan and collection accounts are the result of identity theft and fraud. I have attached a copy of the FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that the aforementioned consumer loan and collection accounts both are the result of identity theft and fraud
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK (PA)

Discover is inaccurately reporting that my account is XXXX  days pass due on my credit report. According to the Fair Credit Reporting Act ( FCRA ), any report that includes information solely related to transactions or experiences between the consumer and the reporting entity should be excluded from a credit report. Since this information is currently included in my report, it constitutes an inaccuracy. 

Furthermore, the FCRA specifies that any entity providing information to a credit reporting agency is required to ensure that the information is complete and accurate. If they find that the information they provided is not complete or accurate, they must promptly notify the credit reporting agency of this determination. They are also obligated to provide any necessary corrections or additional information to make the report accurate. Continuing to furnish incomplete or inaccurate information would be considered willful non-compliance, which is punishable by law.
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. (RI)

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.
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. (OH)

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 debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ).

I kindly request that you block 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 of Debt Bondage and would like for all listed accounts to be blocked and deleted company information TransUnion. 

Please delete the following accounts : XXXX XXXX XXXX. Bal {$1100.00} XXXX XXXX. Bal {$850.00} Inquiries : XXXX XXXX XXXX XX/XX/year> XXXX XXXX - XX/XX/year>
Consumer complaint received 2024-09-04
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. (CA)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that XXXX will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate : Account Name- XXXX XXXX Account Number:XXXX
Consumer complaint received 2024-10-09
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY (NY)

I recently opened a Wells Fargo Active Cash credit card with a {$200.00} cash rewards bonus when you spend {$500.00} in purchases in the first 3 months. I have been trying to enroll in online banking for purchase monitoring and making payments since receiving the card 10 days ago. 

After 3 calls in to the company over the past week, I have been told that they can not enroll my account because I have a XXXX XXXX phone number. Online banking is critical functionality for my use of this product, and I don't recall any disclosure stating I needed to have a certain cell phone carrier in order to take advantage of this account and promotion.

Had the marketing communication been clear around the required cell phone carriers for an account, I would have never given Wells Fargo my business or taken the hit on my credit report.
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. (VA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Consumer Financial Protection Bureau Subject : Complaint Against TransUnion Regarding Impact on Creditworthiness Dear CFPB, I am writing to formally file a complaint against TransUnion regarding negative remarks listed on my consumer report that are adversely affecting my creditworthiness, credit standing, credit capacity, character, reputation, and mode of living, as outlined under 15 U.S. Code 1681a, Definitions ; rules of construction, section ( d ). 

I have reviewed my consumer report from TransUnion and have identified the negative remarks that portray my financial behavior. That entry has hindered my ability to secure a mortgage loan, which is crucial for my financial stability and future. 

Despite my efforts to address this negative information directly with TransUnion, I have not seen any changes. Specifically, I have requested that these remarks be updated to reflect that the account is paid and closed. If TransUnion is unable or unwilling to make these changes, I believe that the negative remarks should be removed from my consumer report entirely, as they do not accurately represent my current financial standing. 


I urge the CFPB to investigate this matter and compel TransUnion to either update the remarks to " paid and closed '' or remove it from my credit report altogether. The continued presence of this negative entry is unjustly impacting my financial opportunities and overall quality of life. 

Thank you for your attention to this urgent matter. I appreciate your assistance and look forward to your response. 

Sincerely,
Consumer complaint received 2024-02-27
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

I fell behind in making my credit card payments and it went 120 days past due, and I completely paid off the balance in XX/XX/2024. My account shows its restricted and when I called them on XX/XX/2024 at XXXXXXXX XXXX the first representative I spoke to was very uninformed and kept going back and forth as to why the account was restricted and continued to give different reasons and then stated after running me around in circles for over 10 minutes that the account couldn't be reopened and when asked about why my account would remain open in this situation with no balance due and the inability to use the account, he stated that it is their policy not to close the account and that if the customer wanted the account closed then they would need to request for it to be closed and couldn't explain the logic or reason as to how that would even make sense. I requested a supervisor and was transferred to a female, I did not catch her name, and when I posed the same questions to her, she tried to give me the run around stating that it was possible the account could be reopened if an offer was sent that was randomly sent to the consumer and when I questioned her about how that made any sense that an offer could be sent the consumer to reopen a closed account was not even a rational thought then her story changed and when pressed on the fact that Capital One keeps a customer account " restricted '' with a XXXX balance and the fact that it doesn't benefit the customer, does it, she stated she didn't know because they are not credit counselors. I asked why then would they keep the account like this if it was a permanent lock and inability to use the account, does this help my credit, does it help Capital One? Again she couldn't give a logical or rational explanation as to why Capital One uses these bizarre and irrational business practices, what I want to know is why. Is this helping or harming to my credit and why do I as the consumer have to request the account to be closed if there is no financial benefit for me ....
Consumer complaint received 2024-02-14
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. (MD)

From XXXX until today XX/XX/XXXX and I've called and written by mail and requested all contracts with wet ink signatures between XXXX XXXX  and XXXX XXXX and all account statement for the alleged account that I have with XXXX XXXX. They've failed to produce and now have went so far as to harass me via a debt collection attorney who has my nonpublic information without my permission or consent. XXXX, XXXX and XXXXXXXX XXXX XXXX has opened up a court case in a county court that I do not live in and are tarnishing my name and character via the courts system. They had an address on file in XXXX XXXX XXXX and I never personally gave them this address stating that it was my own. XXXX XXXX sends me mail that says XXXX XXXX XXXX and I do not have any contracts with them either. This has caused mental and emotional pain to my life.
Consumer complaint received 2024-10-14
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: U.S. BANCORP (NJ)

Ive noticed unrecognized hard inquiries on my credit report which are XXXX  XXXX on XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX