davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-24
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: EQUIFAX, INC. (MN)

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. And In accordance with the Fair Credit Reporting act. The account list below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : Dept of EducationXXXX XXXX XXXX XXXX XXXX / amount {$1700.00}, Dept of EducationXXXX XXXX XXXX XXXX XXXX amount {$3500.00}, Dept of EducationXXXX XXXX XXXX XXXX XXXX /amount {$4300.00}, Dept of EducationXXXX XXXX XXXX  XXXX XXXX amount / {$2800.00}, Dept of EducationXXXX XXXXXXXX XXXX # XXXX /amount {$230.00} XXXX Dept of EducationXXXX XXXX XXXX # XXXX /amount {$3000.00} Account name XXXX XXXX # XXXX /amount $ XXXX PAID OFF XXXX XXXX XXXX XXXX XXXX XXXX /amount {$720.00} =PAID OFF XXXX, XXXX, and Equifax have 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 seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I filed a complaint with the XXXX major credit bureaus regarding inaccurate items on my credit report. They have ignored my complaint and are accusing me of using a third party to file it. This is not true, as I submitted the complaint myself. Attached are some letters and a copy of my ID for your review. If they continue to ignore my complaint, I will file a lawsuit against them and seek compensation for the damages they have caused
Consumer complaint received 2022-05-04
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. (CA)

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 : # XXXX, ACCOUNT NAME : XXXX XXXX XXXX, ACCOUNT NUMBER : # 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 seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

The credit bureaus are all reporting different inaccurate information that is hurting my credit report. There are several companies that are reporting a profit and loss write off but still reporting a balance. XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX, XXXX XXXX The XXXX XXXX and XXXX XXXX. 
On all the accounts listed there are several things inaccurate : Last activity date, Charged off with a balance and the payment history is wrong showing I have a new charge off versus the correct date he accounts were charged off.
Consumer complaint received 2022-05-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I received your response in my complaint and Im the one who submitted a complaint on XX/XX/2022. The 3 Credit Bureaus are failing to comply with FCRA Sections 605B and is also in breach of Sections 616 & 617 for willfully non-complying and neglecting to adhere to the rules and laws of the FCRA. I have submitted 10 complaints informing the 3 Credit Bureaus that I was a victim of identity theft. The 3 Credit Bureaus are failing to block or remove the accounts from my report. I followed their guidelines. I filed a report on the FTC website, I specified how the identity theft took place, that I did not benefit or receive goods or services from the alleged accounts, I validated the identity theft with a federal law enforcement agency ( which they're claiming I haven't ), I submitted the identity theft reports, provided a report circle the fraudulent accounts, an affidavit from the FTC website & provide a photo ID for their records. The 3 Credit Bureaus have claimed the accounts listed below have been verified and are accurate. I'm truly confused by their antics/tactics on how to report this issue but they are ignoring this dispute and failing to comply with the rules set forth in the FCRA. I need them to be held accountable & have the following accounts blocked/removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Identity Theft Complaint Regarding Fraudulent Accounts with XXXXXXXX XXXX XXXXXXXX Dear CFPB, I am writing to formally file a complaint regarding identity theft that has resulted in the establishment of fraudulent accounts in my name with XXXXXXXX XXXX XXXXXXXX. I have discovered two accounts that I did not open, and I believe my personal information has been compromised. 

**Details of the Fraudulent Accounts : ** 1. **Account Number : ** [ XXXX **Date Opened : ** XX/XX/year> **Balance : ** {$1800.00} 2. Account Number XXXX **Date Opened : XX/XX/year> **Balance : {$2900.00} I first became aware of these accounts when I reviewed my credit report on [ insert date you reviewed your report ]. Upon noticing these accounts, I immediately contacted XXXXXXXX XXXX XXXX to dispute the validity of these accounts and to inform them that I am a victim of identity theft. I have provided them with the necessary documentation, including a police report and proof of my identity, but I have yet to receive a satisfactory resolution. 

I am requesting that XXXXXXXX XXXX XXXXXXXX take the following actions : 1. Remove the fraudulent accounts from my credit report with all three major credit bureaus ( XXXX, XXXX, and TransUnion ). 
2. Provide me with written confirmation that the accounts have been closed and removed from my credit history. 

In addition to the above, I would like to request the assistance of the Consumer Financial Protection Bureau in investigating this matter and ensuring that my rights as a consumer are upheld. It is crucial for me to restore my credit and protect my financial identity. 

I have attached copies of relevant documents, including my identification, the police report, and any correspondence with XXXXXXXX XXXX XXXXXXXX regarding this matter. 

Thank you for your attention to this serious issue. I look forward to your prompt response and assistance in resolving this matter. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

After carefully checking my credit report, I have learned and been shocked that I have been a victim of identity theft, my personal information has been used to apply for a card. I found fraudulent inquiry on my credit report.Please dispute and remove listed fraudulent inquiry from my credit report XXXX XXXX XX/XX/year>XXXX XXXX
Consumer complaint received 2022-05-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Financial Assistance Inc (AZ)

XX/XX/XXXX, and XX/XX/XXXX and XX/XX/XXXX I sent and contacted Financial Assistance and advised them that the accounts they are reporting on my credit report. I sent a theft affidavit to the credit bureau 's and to financial assistance advising them that this was not my account. Each time Financial Assistance is saying that the account is mine but I advised them that I had XXXX during the time my identity was stolen and this account was opened. I have done everything on my part by sending them the report letting them know this account is fraud and they are still reporting it. I was told to contact XXXX XXXX and XXXX XXXX informed me to call Financial Assistance at this point this I just need one of the companies to resolve this. I have never had a account or accounts with this company. Someone stole my identity and opened up my account
Consumer complaint received 2024-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VI)

My XXXX  loan was transferred to dept of treasury for collections. As part of an agreement with them I paid my loan current and has made monthly on time payments. My loan was to be transferred back to regular servicing by XXXX and my treasury account closed and removed and my XXXX  account brought current. It has not reflected that and both items are still on my credit report as placed for collections or charges off
Consumer complaint received 2024-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.
Consumer complaint received 2024-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (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 XXXX 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 2023-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bridgecrest Acceptance Corporation (CA)

BRIDGECREST Original creditor : tried disputing this with XXXX and XXXX. I filed lawsuit against XXXX, XXXX XXXX, and Bridgecrest and settled this debt with an attorney XX/XX/2022 yet still appears on credit report and on XX/XX/2022 Bridgecrest attempted to sieze property and XXXX a 3rd party attempted to call and harass me about the property. I was unable to get information from Bridgecrest when I called they said debt written off XX/XX/2022. I have been disputing this with XXXX and XXXX but they have failed to update balance with settled amount or pays as agreed status. As a result this has caused continued harm to credit reputation.
Consumer complaint received 2024-07-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

XXXX XXXX To Whom It May Concern, I am writing to formally dispute the accuracy of the information reported by XXXX XXXX XXXX  on my credit report. This is my third dispute regarding this account, XXXX, which remains inaccurately reported on my credit report. Despite previous reinvestigation requests, the erroneous information persists. 

In accordance with XXXX XXXX standards and pursuant to the Fair Credit Reporting Act ( FCRA ) 611, I am entitled to accurate and complete reporting of my credit information. The continuous reporting of inaccurate information by XXXX XXXX XXXX  is a clear violation of FCRA 623, which mandates furnishers of information to provide accurate data to consumer reporting agencies. 

**Account Details ( XXXX Report ) : ** - **Creditor : ** XXXX XXXX XXXX  XXXX XXXX Number : ** XXXX - **Account Type : ** Secured Loan - **Date Opened : ** XX/XX/XXXX - **Original Balance : ** XXXX - **Current Status : ** Paid, Closed - **Status Updated : ** XX/XX/XXXX - **Last Payment Date : ** XX/XX/XXXX **Experian Payment History Inaccuracies : ** - XX/XX/XXXX : XXXX  days late - XX/XX/XXXX : XXXX  days late - XX/XX/XXXX : XXXX  days late **Account Details ( Equifax Report ) : ** - **Creditor : ** XXXX XXXX XXXX  - **Reported : ** XX/XX/XXXX - **Balance : ** XXXX - **Account Status : ** Paid, Closed - **Highest Balance : ** XXXX - **Date Opened : ** XX/XX/XXXX - **Term : ** XXXX  months - **Last Payment Date : ** XX/XX/XXXX - **Current Payment Status : ** XXXX Days Late - **Worst Payment Status : ** XXXX Days Late - **Times XX/XX/XXXX Days Late : ** XXXX **Discrepancies : ** XXXX. **Experian Report : ** - XX/XX/XXXX : XXXX  days late - XX/XX/XXXX : XXXX  days late - XX/XX/XXXX : XXXX  days late XXXX. XXXX Report : ** - Only XXXX instance of being XXXX days late. 
- Equifax claims I have made XXXX XXXX of payments on time, conflicting with the number of reported late payments. 
- Different last payment date ( XXXX : XX/XX/XXXX vs. Equifax : XX/XX/XXXX ). 

These discrepancies indicate that the information reported by XXXX XXXX XXXX  is inaccurate and inconsistent across different credit reporting agencies. This misreporting has adversely affected my credit score and overall creditworthiness. 

I have requesting a thorough reinvestigation of these inaccuracies. XXXX XXXX XXXX  fails to comply with this request, I am prepared to take legal action for willful non-compliance under FCRA 616 and 617, which provide for civil liability for willful and negligent noncompliance, respectively.
Consumer complaint received 2024-09-22
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. (TN)

This account was charged off on the following date : XX/XX/year>. Since then the date of last activity has been inconsistently updated. On XXXX the date last active is XX/XX/year> and on Transunion its XX/XX/year>. If the information is coming from the original creditor the dates should be the same. We can not say that these are 100 % accurate so it is deemed INACCURATE. Please delete these accounts from my report.
Consumer complaint received 2024-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

After carefully checking my credit report, I have learned and been shocked that I have been a victim of identity theft, my personal information has been used to apply for a card. I found fraudulent inquiry on my credit report.Please dispute and remove listed fraudulent inquiry from my credit report XXXX XXXX XX/XX/year>, XXXX XXXX XX/XX/year> 2024
Consumer complaint received 2024-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

Consumer Name : ( XXXX XXXX, Consumer Social Security Number : XXXX Consumer Date of Birth : ( XX/XX/year> ), Contents of Complaint : 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 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of Collection Account : XXXX XXXX  account # XXXX XXXX ACCOUNT # XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX ACCOUNT  # XXXX XXXX AACOUNT # XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX # XXXX XXXX ACCOUNT # XXXX XXXX ACCOUNT # XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX ACCOUNT # XXXX XXXX ACCOUNT # XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX  ACCOUNT # XXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX ACCOUNT # XXXX XXXX  ACCOUNT # XXXX that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained 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 2024-09-22
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)

According to The Fair Debt Collection Practices Act 15 U.S.C.1692 ( g ). All debt that has been sold to third-party collectors needs to be removed from my credit because I had no knowledge and gave no consent. I disputed the collections on my credit. I asked the bureaus for documentation proving that these debts are mine and they have been unsuccessful.

All hard inquiries need to be deleted according to 15 U.S.C. 1681 ( n ), All charge-offs and collections need to be removed according to 15 U.S.C. 1681 ( n ) and 15 U.S.C 1681 ( c ) ( 2, Any late payments as well needs to be removed immediately according to 15 U.S.C. 1666 ( b ), 15 U.S.C. 1637 ( a ).

All credit bureaus have refused to make corrections even after documents were submitted to them. None are reporting accurately and when I expressed that their neglect has hindered me in purchasing a home they refused to remove the items violating federal laws they are governed by.A
Consumer complaint received 2024-09-22
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. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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

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

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