davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-08
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. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Dispute of Unauthorized Hard Inquiries on Credit Report Dear TransUnion, I am writing to formally dispute several hard inquiries on my credit report that I did not authorize. My name is XXXX XXXX, and my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 None of these inquiries were authorized by me, and I request that they be investigated and removed from my credit report. 
Under 15 U.S. Code 1681c-2, a consumer reporting agency must block reporting any information in the file of a consumer that the consumer identifies as information resulting from alleged identity theft, not later than four business days after the date of receipt. I assert that these inquiries fall under this provision.

Additionally, under 15 U.S. Code 1681e ( b ) and 1681i ( 5 ), the inquiries listed above are in violation of the requirement to report information accurately. These inquiries have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681.

Pursuant to 15 U.S.C. 1681, I have the right to privacy. Furthermore, under 1681 604 ( a ) ( 2 ), a consumer reporting agency can not furnish accounts without my written instructions. Therefore, I am requesting the original copy of the agreement and terms and conditions related to these inquiries. 
Please be advised that failure to comply with these requests will result in forfeiture of your claims, and I will require you to delete all the listed items above. You are required to block these transactions from being reported to my consumer report within four ( 4 ) days from the date of receipt of this notice. 

Delete these accounts unless you wish to be held accountable for {$1000.00} per account. 
I look forward to your prompt response regarding this matter. 
Sincerely, XXXX XXXX
Consumer complaint received 2024-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (OH)

I HAVE FILED A COMPLANT BEFORE WITH NO RESPONE BACK currentlydemonstrated in the above-mentioned report andbeing seemingly deficientofcertainty of facts, with concerns to the adequately certifiablereportingprocess ( es ) and or format ( s ), it can NOT be assumed your claims are withintheminimal criteria forlawful and or ethical reporting, even should collection rightsbeunaffected, if evenapplies. In appreciation of the sufficient reporting safeguards, the belownotedclaim ( s ) divulged versus me are contested as not being of a sureconfirmation offactsand truth much less being certifiable in its essential compliantreportingprocess ( es ) and orthe mandatory Metro 2 format reporting. Being divergentof theexpected reporting caliber, the below contested reputed claims probity each isin astate of peril due to multipleaspects of ailment as indicated beneath, effacefromreporting ALL ASPECTS OF NEGATIVITY immediately and permanently. Inaccordancewith the Fair Credit Reporting ActSection 611 ( 15 U.S.C. 1681I ) and theunderstood STANDARDS of acceptable lawfulCOMPLIANT REPORTING STANDARDSsuch as theMETRO 2 Five Points of Compliance andother potentially applicablestandards andor regulatory engrossments of reporting I amrendering this officiallywrit consumerCHECK OF COMPLIANT REPORTING andCHALLENGE versus any andall insufficientreporting and ineptitude to sufficientlydocument factual reportingverifiability ofvalidness, authenticity, accuracy, ownership ofresponsibility, completeness, and orcertifiability of the mandated compliant ProcedureofREPORTING and mandatorilyperfect complete certifiable METRO 2 FORMATcompliance ofreporting standard ( s ). Ido not recognize the information listed belowas having ever beendemonstrated tobe factual in solidity much less certifiedcompliantly reported in themandatoryprocesses of reporting and with factual, accurate, and completely certifiedorderedformat of the METRO 2 COMPLIANCESTANDARD of reporting standard ( s ) .PLEASEDELETE THE FOLLOWING ACCOUNTBELOW : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-10-08
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. (IL)

I am asking for your help with this incorrect account on my credit report. It has damaged my reputation significantly, and I need your assistance. Your improper handling of my report has severely hurt me, and the incorrect details need to be removed as soon as possible.
Consumer complaint received 2023-04-11
Product: Credit reporting, credit repair services, 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. (GA)

Upon checking my reports I see multiple inquiries from the same companies on various dates and timelines. I was not aware nor did I authorize with oral agreement/ written signature any of the following companies to review my credit profile and send information to the bureaus : These inquires were never authorized by me and there appears to have been some sort of improper practice of procedures without permission. I need them to verify and provide proof for the validation of each inquiry. If none is given then I request that each inquiry with no proof of authorization be removed.This many inquiries ( some by the same companies again and again ) have put my profile in a terrible position. I need it rectified as soon as possible so that I can continue with improving my credit profile and quality of life. Here are the companies and dates of occurrences : XXXX : The inquiry was not authorized XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX TransUnion The inquiry was not authorized XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX The inquiry was not authorized XXXX Date of inquiry XXXX XX/XX/XXXX The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX : The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX The inquiry was not authorized XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX
Consumer complaint received 2024-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ACCCOUNTS that need to be removed from my file : XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX  XXXX Balance : {$1200.00}
Consumer complaint received 2024-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (FL)

Date : XX/XX/XXXX Dear Sir/Madam I am writing to formally request that a security freeze be placed on my credit file, effective immediately, pursuant to Section 605A of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681c-1 ).

1. Restriction on Disclosure of Information ( Section 604 of the FCRA, 15 U.S.C. 1681b ) Pursuant to Section 604 of the FCRA, I demand that no disclosure of my personal information, including consumer reports, be made to any person, organization, or entity that is not legally authorized to receive such information or that does not have my explicit consent.

2. Right to Privacy ( Section 609 of the FCRA, 15 U.S.C. 1681g ) In accordance with Section 609 of the FCRA, I request written confirmation that my personal information, including any medical or insurance information, will not be disclosed to third parties without my prior consent, except as strictly required by law. This confirmation should detail the measures taken to protect my information in accordance with legal requirements.

3. Prohibition of Unauthorized Disclosure under Consumer Privacy Protection Laws Additionally, in line with federal and state privacy laws, I demand that no information contained in my file be disclosed to insurance companies or any other third parties without my explicit, written approval, unless required by law. Any unauthorized disclosure will be considered a violation of my privacy rights and will result in appropriate legal action.

I attempted to make this request through your agency 's online portal, but unfortunately was unable to complete the process. For this reason, I am submitting this request in writing to ensure that the credit freeze is implemented in a timely manner. 

Below is the information necessary to process this request : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-16
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: Experian Information Solutions Inc. (DC)

I recently submitted a request for an investigation of the disputed accounts, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update the following accounts from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-09-16
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. (FL)

I am writing to formally dispute an inaccurate late payment entry on my credit report, as allowed under the Fair Credit Reporting Act ( 15 U.S. Code 1681i ). I believe this information is not correct, and I am requesting that you investigate this matter promptly. 
The item in question is a late payment reported by XXXX XXXX for the account number XXXX. The late payments are reported as being dated [ XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ], and I firmly believe this is inaccurate for the following reasons : XXXX. I have always made my payments on time, apparently they have administrative errors XXXX. Additionally, under the Truth in Lending Act ( TILA ), section 15 U.S. Code 1637 ( b ), creditors are required to provide clear and accurate information regarding the terms of the credit. If the late payment reported does not align with the terms initially agreed upon, it warrants removal. 
I also wish to highlight that under 15 U.S. Code 1681s-2, furnishers of information are obligated to provide accurate information to credit reporting agencies. Given the circumstances outlined, I respectfully request that you take the necessary steps to remove this late payment from my credit report as it does not reflect the true nature of my payment history.
Consumer complaint received 2024-10-08
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)

I am writing to file a formal complaint against TransUnion for their failure to comply with my rights as outlined under the Fair Credit Reporting Act ( FCRA ) Section XXXX, which provides protections to survivors of human trafficking. I am a survivor and victim of XXXX trafficking, and TransUnion has failed to appropriately address adverse information in my credit report that is a result of the circumstances of my trafficking experience. 

FCRA Section 605C specifically mandates that credit reporting agencies must block adverse items of information in a credit report when the information is a result of human trafficking or related situations. Despite my attempts to inform TransUnion of my status and the relevant legal protections, they have not taken the necessary actions to remove the harmful information from my credit report. This failure to act is a clear violation of my rights under federal law.

As per the FCRA, credit reporting agencies are required to respond within four business days after receiving proper documentation from a survivor. I have submitted documentation in accordance with the requirements of Section 605C, but TransUnion has not fulfilled its legal obligation to block or remove the adverse information.

I request that the Consumer Financial Protection Bureau investigate this matter and ensure that TransUnion is held accountable for violating my rights as a trafficking survivor. The agencys refusal to act is causing undue harm to my financial wellbeing and is exacerbating the trauma I have already endured.

Enclosed, please find copies of all relevant documentation, including communications with TransUnion and evidence of my status as a victim and survivor of XXXX trafficking.
Consumer complaint received 2023-04-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I have been trying to correct my credit report for over 6 months. I have asked all 3 credit bureaus to provide proof of the debt ( 609 LAW ) in writing several times and have been ignored with no responce. I don't have any knowledge or recollection of these debt. I believe they are reporting incorrectly and it is affecting personal and financially. Please remove the following inaccurate items listed below from my credit report. 

XXXX XXXX XXXX XXXX : Status Collection account. {$1900.00} past due as of XX/XX/XXXX ( THIS IS NOT MY DEBT ) XXXX XXXX XXXX : Account info Account number XXXX Date opened XX/XX/XXXX Account type Debt Buyer Status Collection account. {$1800.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Payment summary not showing XXXX XXXX XXXX : Account info Account number XXXX Date opened XX/XX/XXXX Account type Debt Buyer Status Collection account. {$1200.00} past due as of XX/XX/XXXX. 

XXXX XXXX XXXX Account info Account number XXXX Date opened XX/XX/XXXX Account type Collection Status Collection account. {$620.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX XXXX XXXX XXXX Account info Account number XXXX Date opened XX/XX/XXXX Account type Collection Status Collection account. {$260.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXXXXXX XXXX
Consumer complaint received 2024-09-16
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. (GA)

I am writing this complaint to dispute a collections account that appears on my credit report. I have reason to believe that this account is not a valid debt, as the debt collection agency listed on my credit report, XXXX XXXX XXXX XXXX XXXX, does not have a license to operate in the State of Georgia, where I reside. 
I have enclosed evidence to support my claim, including a copy of the XXXX consumer access list of licensed debt XXXX and a copy of my driver 's license, which confirms my residency in Georgia. 
As you are aware, under the Fair Debt Collection Practices Act ( FDCPA ) and the Rosenthal Fair Debt Collection Practices Act ( RFDCPA ), a debt collection agency must be licensed in the state where it operates and the state where the consumer resides. In addition, Georgia law requires debt collection agencies to obtain a license from the Georgia Department of Business Oversight ( DBO ) before engaging in debt collection activities in the state. 
Given that XXXX XXXX XXXX XXXX XXXX does not have a license to operate in Georgia, I request that you immediately remove this collections account from my credit report. If you are unable to verify the legitimacy of this debt, I request that you remove it as well, as it is in violation of the FDCPA and the RFDCPA. Im a requesting a cease and desists immediately. 
Thank you for your attention to this matter. I look forward to hearing from you soon. 
Sincerely, XXXX XXXX
Consumer complaint received 2024-10-08
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. (FL)

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 2024-10-08
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

The accounts below were not completely deleted. A previous complaint was made however, a select accounts were deleted/removed. 

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt XXXX, 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 XXXX and would like for all listed accounts to be blocked and deleted company information. 
Please delete the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please process the following accounts previously stated in the first complaint
Consumer complaint received 2024-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NC)

I am challenging the correctness of certain entries on my credit report, as they inaccurately represent my financial activities and standing. This issue is a breach of the Fair Credit Reporting Act, under Section 15 U.S.C. 1681e ( b ), which requires credit reporting agencies to maintain accurate and updated information in their reports. Enclosed are the relevant documents that highlight these inaccuracies. I urge a swift and thorough review and the necessary corrections to rectify these discrepancies.
Consumer complaint received 2024-08-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I've contacted the credit bureaus about this inaccurate data within my credit reports. I can not list everything on this FTC report but the accounts I do not recognize are continued here. 
XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Balance : {$600.00} XXXX XXXXXXXX Balance : {$470.00} XXXX XXXX XXXXXXXX XXXX Balance : {$5500.00} XXXX XXXX  XXXX XXXX Balance : {$9300.00} XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$540.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$4800.00}
Consumer complaint received 2024-10-08
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. (FL)

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 2024-09-16
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: Experian Information Solutions Inc. (FL)

I am writing to urgently notify you that I have fallen victim to identity theft, leading to several fraudulent entries on my credit report. These 5 unauthorized accounts and 9 inquiries were added without my knowledge or consent, and they must be addressed immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 I have already filed an official identity theft report with the Federal Trade Commission ( FTC ), and I am demanding the immediate removal of these fraudulent items to restore the accuracy and integrity of my credit report.
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. ()

Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.