davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

Im complaining about a XXXX  account # XXXX that 3o days late and is closed. This account was not 30 days late and it was closed in XX/XX/2024. I contacted Transunion and told them that this account was not late and is closed
Consumer complaint received 2024-06-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am currently in the market to buy a home and I was reviewing my credit report and found some errors on XXXX XXXX XXXXXXXX You are reporting information about me which is inaccurate. All three credit bureaus are reporting different HIGH VALANCE, DATE OF LAST ACTIVITY, DATE REPORTED, DATE OPENED, ACCOUNT RATING, LAST PAYMENT, TWO YEAR PAYMENT. All 3 credit bureaus are reporting inaccurate information in this account. As you are aware there can only be one high balance and same date on this account. This account has not been properly verified. PLEASE DELETE the following account immediately for failing to comply with FCRA. XXXX XXXX XXXX THANK YOU FOR YOU TIME This is a violation of 15 U.S. Code 1681i ( 5 ) Removal of Inaccurate/invalidated credit information. Please remove this account XXXX  XXXX XXXX immediately thanks.
Consumer complaint received 2024-06-23
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. (NY)

I am writing to file a formal complaint against TransUnion, a consumer reporting agency, for their failure to comply with the Fair Credit Reporting Act ( FCRA ) and rectify a violation regarding the reinsertion of previously deleted material into my credit report. 
On XX/XX/2024, TransUnion notified me of the reinsertion of XXXX XXXX  account number XXXX into my credit report without proper certification of accuracy and notification to me, as mandated by FCRA Section 611 ( B ). Despite being eliminated days before. 

TransUnion has failed to remove thereinserted account from my credit report, continuing to violate FCRA regulations. 
TransUnion 's actions have caused significant inconvenience and potential harm to my credit profile, impacting my ability to access fair credit terms and financial opportunities. Despite my efforts to resolve this matter directly with TransUnion, they have neglected to take appropriate action, demonstrating a lack of accountability and compliance with federal consumer protection laws.
Consumer complaint received 2024-06-23
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)

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

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

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-06-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to dispute the following items on my credit report. These items are inaccurate and I am requesting that they be investigated and corrected or removed as soon as possible. Please find the details of the disputed items below : ALSO Transunion says 13 late accounts which is highly inaccurate Account Name : XXXX Account Number : XXXX Balance : {$8300.00} Status : 30 days past due Reason for Dispute : I have consistently made timely payments on this account, and it should not be reported as 30 days past due. Please update the status to reflect on-time payments. 
Account Name : XXXX Account Number : XXXX Balance : {$9000.00} Status : Paid or paying as agreed Reason for Dispute : The balance on this account should be {$8300.00} as I have made additional payments that are not reflected. Please update the balance accordingly. 
Account Name : XXXX  Account Number : XXXX Balance : {$190.00} Status : Paid or paying as agreed Reason for Dispute : The payment history for this account is not available, which negatively impacts my credit score. Please update the report to include the accurate payment history. 
Account Name : XXXX  Account Number : XXXX Balance : {$82.00} Status : Paid or paying as agreed Reason for Dispute : This account should reflect a balance of {$0.00} as it has been paid in full. Please update the balance and status. 
Account Name : XXXX Account Number : XXXX Balance : {$5300.00} Status : Paid or paying as agreed Reason for Dispute : The credit limit for this account is not displayed, which affects my credit utilization ratio. Please update the report to include the correct credit limit. 
Attached are copies of my credit report, along with documentation supporting my claims. Please conduct a thorough investigation and correct these errors promptly. 

Thank you for your attention to this matter. Please confirm receipt of this letter and inform me of the results of your investigation. 

Sincerely, XXXX XXXX XXXX [ Your Contact Information
Consumer complaint received 2024-06-23
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)

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.
Consumer complaint received 2024-06-23
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)

In accordance with the Fair Credit Reporting Act. XXXX, Transunion, XXXX 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 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 XXXXXXXX In accordance with the Fair Credit Reporting Act. XXXX, Transunion, XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. According to the 15 U.S.C 1681 section 602 A. I have the right to privacy.

15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 602 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. Section ( 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 convections of crimes which antedates the report by more than 7 years.

15 U.S.C 1681s-2 ( A ) ( 1 ), A person should not furnish any information relating to a customer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is accurate.
Consumer complaint received 2024-06-23
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. (KY)

This letter is to inform you that i recently received a copy of my credit report that your company publishes and after reviewing it i found a number of items on the report that are inaccurate. Under the Fair Credit Reporting Act 15 U.S.C 1681g I have the right to demand that you disclose to me all of the documents that you have reporting in my credit report. Please don't respond to my request by saying that these accounts have been verified. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ) .By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. 
XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXXXXXX XXXX Account:XXXXXXXX XXXX XXXXXXXX Account # : XXXXXXXX XXXX XXXX Account XXXX XXXX
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Self Financial Inc. (DC)

In accordance with The Fair Credit Reporting Act these creditors has violated my rights under 15 USC 1681 section 602, which states the right to privacy. 15 USC 1681 states section 604a section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open end Consumer Credit plan as late for any purpose.
Consumer complaint received 2024-06-23
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. 


I told XXXX, Transunion, and XXXX to reinvestigate these 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  ACCOUNT SER : # XXXX, XXXX : # XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX : # XXXX, However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 2024-06-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consuming reporting agency prepares a consumer report. It shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 
15 U.S. Code 1681i ( 5 ) 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 the 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 ( I ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer Please remove the following items from my credit report immediately : Inquiries XXXX XX/XX/XXXX Accounts XX/XX/XXXX
Consumer complaint received 2024-07-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NV)

DEAR, EQUIFAX I WOKE UP WEDNESDAY, AND PULL MY CREDIT REPORT JUST TO CHECK MY CREDIT. I THEN REALIZED. I HAVE BEEN A VICTIM OF IDENTITY THEFT... PLEASE HELP ME REMOVE AND DELETE THIS FRAUD ACCOUNT FROM MY CREDIT REPORT. XXXX XXXX XXXX IS THE FRAUD ACCOUNT OPEN IS XX/XX/XXXX XXXX XXXX IS THE FRAUD ACCOUNT OPEN IS XX/XX/XXXX
Consumer complaint received 2024-06-23
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)

XX/XX/XXXX I was notified of an aged account reporting to my Transunion credit report. The account reported a name and address that Ive never been associated with ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX . Ive been a victim of file merging and identity theft. 

I submitted my 5th dispute via mail on XX/XX/XXXX that Transunion JUST uploaded XX/XX/XXXX ; which is past 30 days. 
My file has been in the special handling /file merging department of Transunion for years. There is no way the debt can be verified accurate when the debtor has a completely different first and middle name. Ive asked for proof of validation four times and each request has been ignored. Transunion is the ONLY CREDIT BUREAU REPORTING THIS INACCURACY. 

Per Federal Law 15 U.S CODE 1681a ( 2 ) ( Ai ) ; 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. 
A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate. 

I also understand that according to federal law 15 U.S Code 1666b ( a ) ; A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

Lastly, by Federal Law 15 U.S Code 1681c-2, section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

I have provided all information legally required for this inaccuracy to be removed and blocked from my credit report including : ( 1 ) FTC Identity Theft Report ( 2 ) Police report ( 3 ) Utility Bill ( 4 ) Photo identification ( 5 ) written statement that the account was not opened by me. 

Transunion has stalled multiple disputes since XX/XX/XXXX with a different excuse every month including : ( 1 ) not receiving substantial proof of identity, ( 2 ) stating they could not locate my credit report even with my file number and social security number provided on each document, ( 3 ) and now stating the debt has been verified but, has yet to furnish proof of validation of the debt. 

Please remove this XXXX XXXX XXXX XXXX account from my Transunion Credit report. It has been 5 months of disputes. This is negatively impacting my well-being.
Consumer complaint received 2023-08-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc. (ID)

My plan was to get some student loans paid off before interest starts back up, but twice now my attempts to pay have been blocked. 

First attempt was over a week ago. I got an email that the payment was posted and the loans were at zero, but my bank never pulled the funds from my account. The next day it showed " payment reversal '' on my account history, but I didn't get any notice of why. I called and they said that there was an error with the account number. I asked for this in writing so that I had proof before I resubmit the payment ( If they pulled the money twice I wanted proof that the overdraft wasn't my fault ), and was told it would take over two weeks to get an email confirming that the payment hadn't gone through?

I told them to send it as soon as they could but specify the dates. I got verbal confirmation that they wouldn't attempt that payment again.

Yesterday, after letting everything sit for a couple of days, I went to make the same payment again. Triple checked the account number. I got an email stating payment was confirmed! ( not " posted '' like last time ). This morning I woke up to letters in my AidVantage inbox saying the payment didn't go through because of invalid account number. 

Now that this has happened twice, I'm convinced this is not any error of mine. Both times I was careful to input my information correctly. I'm convinced there's a technical problem on their end, but their helpline people are useless. They switch between blaming the bank or blaming me. 

I've confirmed with my bank that no attempt was made to transfer money out of the account. 

Essentially I have no way to prove that the problem is on their end, and their system is being so buggy that I can't get accurate information.
Consumer complaint received 2024-06-23
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)

Dear CFPB, I am writing to formally file a complaint against the credit reporting agency TransUnion for their failure to address my dispute regarding inaccurate information on my credit report and an unauthorized inquiry. Despite my repeated attempts to rectify these issues, TransUnion has not conducted a proper investigation and has completely ignored my dispute letter. 
I sent a dispute letter to TransUnion challenging the accuracy of certain information on my credit report, specifically regarding an inaccurate XXXX  auto loan account and an unauthorized inquiry from " XXXX. '' In my dispute letter, I provided evidence demonstrating that XXXX and XXXX have already updated or deleted the disputed account in accordance with the Fair Credit Reporting Act ( FCRA ). However, TransUnion has failed to act on this evidence, which is a clear violation of the FCRA mandate that all information on a credit report must be accurate. 
To my dismay, TransUnion did not even bother to address the specifics of my dispute. Instead, they sent me a response letter that erroneously focused on identity fraud, a topic that was not mentioned in my original dispute letter. This response clearly indicates that my dispute letter was either not read or not taken seriously. 
Moreover, TransUnion has completely ignored my dispute regarding the unauthorized inquiry by " XXXX. '' I have never applied for credit with this company, and this inquiry is causing unnecessary damage to my XXXX XXXX. 
This situation is unacceptable. The lack of proper investigation and the blatant disregard for my dispute violate my rights under the FCRA. I am demanding that this issue be thoroughly investigated and that the inaccurate XXXX auto loan account and the unauthorized " XXXX '' inquiry be promptly deleted from my credit report. 
If this matter is not resolved immediately, I am prepared to take legal action to enforce my rights and seek damages for the financial hardships I have endured during these challenging times of economic inflation and instability. 
Thank you for your prompt attention to this serious matter. I look forward to your swift resolution. 
Sincerely, XXXX XXXX