davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2024-10-09
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. (TN)

Dear CFPB, This is no longer a goodwill attemptXXXX XXXX XXXX account # XXXX keep on violating my consumer rights by reporting this account to my credit. THEY CONTINUE TO UPDATE AND VERIFY THIS UNFAIR AND INACCURATELY REPORTING ACCOUNT. I am writing to formally dispute an account reported by XXXX XXXX XXXX. In accordance with the Fair Debt Collection Practices Act ( FDCPA ) and relevant federal statutes, I am requesting verification of this debt as stipulated under 15 U.S.C. 1692g, specifically regarding the requirements necessary for collections to exist. Ive already listed the methods of verification my last two disputes. Under 15 U.S.C. 1692g, a debt collector is mandated to provide verification of the debt upon request. Additionally, the case of XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, reinforces that all necessary documentation must be provided to substantiate the claim. Furthermore, the requirement set forth in Rule 1002 specifies that an original account must be produced to validate the debt in question.

They have failed multiple times to validate this debt so by law they must remove this account now.
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (AL)

My account with 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 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.

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
Consumer complaint received 2024-10-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (MD)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2017-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: LEXISNEXIS (TN)

Myself and wife had  XXXX   Federal  Liens on our credit report. The IRS withdrew them on  XXXX / XXXX / 17  and  XXXX / XXXX /   17  and filed notices of withdrawal of filed  Federal Tax Liens in th e  correct county.  We disputed with  XXXX  the tax liens and sent copies to have them deleted since they were withdrawn. The first time they " verified '' them both and then on reinvestigation corrected only  XXXX  and still reported the  XXXX / XXXX /   17  tax lien as " verified '' again. We have done this process twice once for myself and once for my wife with the same results.  XXXX  used a third party vendor for their information, LexisNexis.  XXXX  is ignoring  our Lien Withdrawal.    Since our state is included in the  XXXX   XXXX   XXXX  settlement and  Federal Tax Liens are t o be deleted we find this conduct very irregular.
Consumer complaint received 2024-10-02
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc. (AZ)

* XXXX - Dispute submitted for transaction XX/XX/XXXX XXXX XXXX CA XXXX XXXX Phone call - Call logs attached ) * XX/XX/XXXX - Contacted Ulta ( message ) to check on status of dispute, they have no record of dispute. Indicated I need to call and talk to representative. 
* XX/XX/XXXX Reached out to vendor for refund, they finally responded indicating there was a dispute awarded in my favor and the amount has been refunded to my credit card ( screenprint attached ). 
* XX/XX/XXXX - Called Ulta, representative confirmed no status of dispute and I need to submit a message on the site with the relevant screenprints proving dispute closed in my favor * XX/XX/XXXX - submitted requested screenprint on the site ( all messages attached ) * XX/XX/XXXX - Response from Ulta... 
* XX/XX/XXXX - Requested update and attached screenprint to message * XX/XX/XXXX - received same response as XX/XX/XXXX. 
* XX/XX/XXXX- I asked for clarification and a callback from a person for help * XX/XX/XXXX - response from Ulta that dispute is still under review and they can not accept phone calls but I can call customer service * XX/XX/XXXX - Requested update and tracking number for case. 
* XX/XX/XXXX - Received same response as XX/XX/XXXX. 
* XX/XX/XXXX - Requested update * XX/XX/XXXX - Advised to call Account protection team * XX/XX/XXXX - Called Account protection team, told account wasn't fraud and they cant help me to contact Ulta Customer Service. 
* XX/XX/XXXX - Called Ulta Customer Service, told they couldn't help me and I needed to contact Account protection team, I explained they told me to contact Ulta ... then was told Ulta couldn't help me because there is no dispute and I needed to contact Account protection team * XX/XX/XXXX - Sent message on site requesting update and supervisor to contact me * XX/XX/XXXX - received response to call customer service * XX/XX/XXXX- I requested update * XX/XX/XXXX- I requested update * XX/XX/XXXX- Received response that I needed to contact Account protection team XX/XX/XXXX - Called customer service to request help, said they have no record of dispute and I would need to call account protection. I asked to speak to supervisor, then call was disconnected. 
XX/XX/XXXX - Called Account protection and was transferred then asked to speak to supervisor and call was disconnected. 
* XX/XX/XXXX - sent response requesting they read my messages, and how do I get help,
Consumer complaint received 2024-10-09
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. (LA)

I sincerely urge you to expunge this entry from my credit report as it is not linked to me and is clearly fraudulent. I kindly request a thorough investigation and prompt correction of this inaccuracy in my credit history.
Consumer complaint received 2024-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Complaint Regarding Fraudulent Account Opened in My Name Dear Sir/Madam, I am writing to formally lodge a complaint regarding a fraudulent account that was opened in my name with XXXX XXXX XXXX XXXX The details of the account are as follows : Account Type : Secured Loan Date Opened : XX/XX/XXXX Account Status : Current ( as of XX/XX/XXXX ) Balance : {$2500.00} Payment Status : Current I did not authorize the opening of this account, and I believe it was opened fraudulently. I have attached a copy of my credit report showing the account details for your reference. 
In accordance with the Fair Credit Reporting Act ( FCRA ), I am requesting that this fraudulent account be removed from my credit report. Specifically, I am invoking the provisions under Section 605B of the FCRA, which allows for the blocking of information resulting from identity theft. 
Please find attached the necessary documentation to support my claim, including a copy of my identity theft report and any other relevant information. 
I appreciate your prompt attention to this matter and look forward to your assistance in resolving this issue. 
Thank you for your time and consideration. 
Sincerely, XXXX XXXX
Consumer complaint received 2024-10-09
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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-09-26
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. (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. ( NAME OF THE COMPANY ) 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 OF THE COMPANY ) 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 : ( 2 ) 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 ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) 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 2023-04-14
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. (GA)

I was not aware that I could opt of my information being shared to third parties such as the credit reporting agencies. Gramm-Leach-Bliley Act gives me my right to opt out and I was never aware of this. Gramm-Leach Bliley Act states that " Financial institutions covered by the Gramm-Leach-Bliley Act must tell their customers about their information-sharing practices and explain to customers their right to " opt out '' if they don't want their information shared with certain third parties. '' I want to use my right to opt out of sharing my information to any third-party companies especially credit reporting agencies.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Please take a look at the attached letters and ID docs for verification that it is XXXX 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 2024-10-09
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. (LA)

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 2024-10-09
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. (CA)

XX/XX/XXXX I sent out 46 letters to the lenders and 46 letters to the credit bureau. Asking why I have the same credit inquiries over and over when I only applied one time. For 1 place it's really saddening to see why all these inquiries during the month of XXXX. Keep going through my account. And I didn't ask for this. They told me that I can go online shop for a car when I find the car. I like I can submit in application. I submitted my application and the entire Month of XXXX, my credits being ran from the same companies over and over and over and XXXX, went to one company.

Not only that, but I specifically told them they are not allowed to run my credit or find out what other loans are out there more than 2 times they did this more than 16 times on. Transunion 13 times on equafax and 19 times on experien. This is complete outrage. These need to be removed immediately.
Consumer complaint received 2024-10-09
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. (TX)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2024-10-09
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. (NJ)

I recently received a copy of my ( XXXX, XXXX, TransUnion ) credit report, and Ive noticed some late payments posted on my credit report. 

( Account- XXXX XXXX XXXX XXXX Report # XXXX ) Your company is in clear violation of the law ; Under 15 USC 1681 ( b ) permissible purpose of consumer reports, The Law Clearly States : ( a ) In General : 1 ) -Subject in subsection any consumer reporting agency may furnish a consumer report under the following circumstances and no other : 2 ) -In accordance with the written instructions of the consumer to whom it relates Did I give you written instructions to furnish this account on my credit report?

Furthermore, The Fair Credit Reporting Act 15 USC 1681 ( 2 ) ( A ) ( I ) exclusions from a consumer credit report clearly states : ( 2 ) Exclusions- Except as provided in paragraph ( 3 ), the term consumer report does not include- ( A ) Subject to section 1681 s 3 of this title, any- ( I ) Report containing information solely as to transactions or experience between the consumer and the person making the report Please DELETE the above late payments from my consumer credit report as this agency is in violation of 15 USC 1681 per The Fair Credit Reporting Act.

Failure to respond satisfactorily with deletion of the above referenced account ( s ) late payments, and send out a free copy of my credit report after the changes have been made will result in legal actions being taken against your company, for which I will be seeking {$1000.00} per violation for : 1 ) Defamation of Character ( per se ) 2 ) Negligent Enablement of Identity Fraud 3 ) Fair Debt Collections Practice Act 15 USC 1692 ( G ) violations 4 ) Fair Credit Reporting Act 15 USC 1681, violations for willful noncompliance- 616. Civil liability for willful noncompliance ( 15 USC 1681 n ) Best Regards
Consumer complaint received 2024-10-05
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. (ME)

15 U.S. Code 1681 c -2 a consumer reporting agency shall block the reporting off any information in my file of a consumer identifies as information that resulted from an alleged identify theft not later than 4 business days after the dates receipt I HAVE ATTACHED MY FTC REPORT TO THIS COMPlAINT TO PREVENT FURTHER STALL TACTICS FROM. ****** this is so unlawful ****
Consumer complaint received 2024-10-09
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. (SC)

XXXX is in violation of the settlement agreement for the identified predatory loan. They were supposed to clear my credit report of derogatory marks related and wipe my it off due to being identified as a predatory loan. They have now moved back to their previous tactics of reporting and updating my status as late payments for a charged off account and harassing me via phone and email. 

I am writing to formally notify you that XXXX XXXX XXXX XXXX ongoing notifications and listing of repossession of my vehicle, associated with Loan/Account Number [ XXXX ], is in direct violation of the settlement agreement in the case of *XXXX XXXX 
XXXX XXXX XXXX XXXX, finalized in XX/XX/XXXX. 
Based on the terms of the settlement, particularly as outlined in paragraphs 10, 11, and 12 of the agreement, XXXX is required to provide certain consumer relief, including : - **Paragraph 10** : XXXX shall not repossess vehicles for consumers who had a loss forecasting score of XXXX or less and had defaulted without having their vehicle repossessed as of XX/XX/XXXX. 
- **Paragraph 11** : XXXX is obligated to waive the deficiency on loans it owns for Mandatory Relief Consumers , including those with a loss forecasting score of XXXX or less. 
- **Paragraph 12** : A moratorium on collecting or selling certain consumers loans is in place, specifically regarding Deficiency Relief Consumers. 
As a participant in this settlement, I believe my attempted vehicles repossession is in violation of these specific provisions. I request an immediate review of my account and the situation, with a corrective action to remove degrading marks from my credit and ongoing updates to further sully my credit score.
Consumer complaint received 2024-10-09
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 am disputing the inclusion of incorrect personal information on my credit report. The following details are not related to me, and I have no connection to them. I kindly request that this information be promptly removed from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX