davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-04
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. (MS)

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 2024-10-04
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. (SC)

I'm reaching out to raise my concerns about several issues I've faced with the credit bureau. These issues include incorrect account listings, multiple unauthorized inquiries, inaccurate credit reporting, billing discrepancies, and accounts that are not mine.
Consumer complaint received 2024-10-04
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)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Consumer complaint received 2024-10-04
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)

I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.
Consumer complaint received 2024-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NC)

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 that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
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. 


I told XXXX, Transunion, and XXXX to reinvestigate these accounts : Account name : XXXX XXXX XXXX, Account name : XXXX XXXX XXXX, Account name : XXXX XXXX XXXX, Account name : 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 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

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 2024-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

I need your assistance with an incorrect account showing up on my credit report. This issue has affected my reputation, and I am seeking your help. Due to your mishandling of my credit information, my standing has been severely damaged. Please remove this incorrect information from my credit report.
Consumer complaint received 2021-11-19
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. (VA)

The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2024-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

Subject : Formal Request for Reinvestigation of Fraudulent Transaction and Immediate Credit Reporting Correctio I am writing to formally express my ongoing dissatisfaction with XXXXXXXX XXXX  handling of a disputed fraudulent transaction on my account, which I first reported in XX/XX/2024. I have made multiple requests for the Bank to reopen the investigation and provide a detailed explanation of the denials, yet XXXX XXXX  continues to refer me to the merchant, XXXX, who is unable to assist me. 

Background on the Fraudulent Transaction I have reached out to XXXX directly, as suggested by XXXX XXXX, but they have confirmed that they can not locate any transaction without an order number or transaction numberdetails I can not provide, as I did not make the transaction in question. I have also provided XXXX XXXX  with a police report supporting my claim of fraud. 

Despite this, I continue to be referred back to the merchant, and this back-and-forth has resulted in no progress toward resolving this unauthorized charge. XXXX XXXX  repeated refusal to reinvestigate or resolve the issue is deeply concerning and has caused significant financial and emotional distress. 

Request for Reinvestigation and Reporting Corrections I am formally requesting once again that XXXX XXXX  and XXXX Reopen the investigation into the fraudulent transaction on my account. 
Provide a detailed explanation of why my dispute was previously denied, along with any supporting documentation XXXX XXXX  relied on to reach that conclusion. 
Correct the inaccurate credit reporting related to this transaction. XXXX XXXX  continued reporting of this charge to the credit bureaus has resulted in a XXXXpoint drop in my credit score, despite the ongoing dispute. 
Violation of 15 USC 1692c In XX/XX/2024, I formally requested under 15 USC 1692c that XXXX XXXX  cease communication with me regarding the disputed charge, yet I continue to be contacted about this issue, and worse, it has been reported inaccurately to all major credit reporting agencies. 

Next Steps and Legal Recourse I expect a written response to this letter within 14 days that addresses my requests, specifically regarding : Immediate correction of any negative credit reporting tied to this fraudulent charge.

If this matter is not resolved satisfactorily, I will be forced to take further action, including filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and pursuing legal action to protect my rights under the Fair Credit Billing Act ( FCBA ) and Fair Credit Reporting Act ( FCRA ). 

Please treat this matter with the urgency it demands.
Consumer complaint received 2024-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 
These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX
Consumer complaint received 2024-10-04
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)

I am writing to formally request your assistance in resolving multiple inaccuracies on my credit report. I have previously disputed these accounts and requested thorough investigations ; however, I have yet to receive a resolution or any corrective action. 

The ongoing presence of these erroneous accounts is causing significant damage to my credit file and creating undue hardship in my financial life. It is crucial that these errors be addressed immediately. 

I kindly ask for a detailed investigation into each of the disputed accounts on my report. Please take the necessary steps to correct my credit file without further delay. Your swift action and cooperation in this matter would be greatly appreciated, and I look forward to your prompt response. 

Thank you for your attention and assistance in resolving this issue.
Consumer complaint received 2024-08-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX ON XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX & XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX
Consumer complaint received 2024-08-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.
Consumer complaint received 2024-08-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.
Consumer complaint received 2023-06-28
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: EQUIFAX, INC. (TX)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX Balance Owed : {$3400.00}, XXXX XXXX XXXX Balance Owed : {$870.00}
Consumer complaint received 2024-08-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

I pulled my credit file from Equifax. They listed XXXX XXXX XXXX on my file. I filed a dispute stating the account paid in full. I supplied the letter from XXXX and StudentAid.gov that it is paid in full. Equifax refuses to change the file. I received the results back from the dispute stating the account is correct when it is not.
Consumer complaint received 2024-08-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

In XXXX  some one buy and vehicle XXXX XXXX under my name I will lose my wallet on XXXX  on XXXX XXXX in New York I didnt report the police because i thought wasnt necessary after months I find in my credos report appears many hard inquiries not belong to me like applications for mortgages /credit cards/car loans different banks and checking accounts the bank in mention is first third bank located in Kentucky and XXXX credit XXXX on XXXX bank and XXXX XXXX bank I need some resource to dispute all this wrong information because I try to buy my first house due this negative for the loan mortgages companies for my and my family block the dream to buy our home and the unfortunately collaborate the banks an the credit bureau never try to deep investigation only XXXX not Transunion or XXXX they remain the total wrong information and ask me To get police reports I did fill like 4 times but still remains
Consumer complaint received 2024-10-04
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. (NJ)

I XXXX XXXX reviewed my credit report and found the following items to be in error. I am a victim of identity theft and did not authorize the charges. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. 
By the provision of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that's you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C Sec 1681 ( a ), you must complete this investigation within 30 days of receipt of this letter. Please send an update of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months
Consumer complaint received 2024-08-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (GA)

This building the XXXX had a lawsuit that they had to reimburse me over XXXX dollars they charged for 2 months rent after I moved out because they said I didnt tell them far enough in advance that I was moving. Even though my lease was up and I didnt resign. I was included in a class action suit that they were overcharging their tenants
Consumer complaint received 2024-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

I've been a victim of identity theft. My information was exposed to the public in the XXXX data breach and the XXXX Equifax data breach. I noticed some unauthorized accounts on my credit report that are inaccurate and incomplete. This is hurting my chances at getting a mortgage and caused a lot of financial harm and difficulties for me. I need these fraudulent accounts removed expeditiously!!!
Consumer complaint received 2024-08-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX : ( XXXX ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NJ)

I have unauthorized inquiries on my credit report and they maybe fraud related. 
Consumer credit reporting agencies haven't removed them. 
XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX Bank XX/XX/XXXX XXXX Bank XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Also I have asked for my any and all previous name be deleted except for the one on my current driver 's license.
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2024-10-04
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)

I Looked at my report back on XX/XX/XXXX, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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. These accounts XXXX  XXXX, XXXX XXXX  XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX. are not complete and accurate. And one more thing according to 15 USC 1681s-2 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. 

I WANT THE CFPB TO PUBLISH THIS DESCRIPTION ON CONSUMERFINANCE.GOV SO THAT OTHERS CAN LEARN FROM MY EXPERIENCE.
Consumer complaint received 2024-08-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX : Account Number : XXXX : Balance : {$2400.00} Account Name : XXXX  XXXX : Account Number : XXXX : Balance : - {$2000.00} Account Name : XXXX : Account Number : XXXX : Balance : {$3300.00} Account Name : XXXX XXXX  # XXXX : Balance : {$7000.00} Account Name : XXXX XXXX XXXX XXXX : Balance : {$36000.00} : Date Opened : XX/XX/XXXX Account Name : XXXX XXXX  : Balance : {$25000.00} : Date Opened:XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX : Balance : {$24000.00} : Date Opened:XXXX Account Name : XXXX XXXX XXXX XXXX : Balance : {$14000.00} : Date Opened:XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX : Balance : {$10000.00} : Date Opened : XX/XX/XXXX Account Name : XXXX XXXX XXXX : Balance : {$7400.00} : Date Opened : XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX : Balance : {$3000.00} : Date Opened : XX/XX/XXXX Account Name : XXXX XXXX XXXX : Balance : {$630.00} : Date Opened : XX/XX/XXXX Account Name : XXXX : Balance : {$630.00} : Date Opened:XX/XX/XXXX Account Name : XXXX XXXX  XXXX XXXX : Balance : {$0.00} : Date Opened:XX/XX/XXXX Account Name : XXXX XXXX XXXX : Balance : {$0.00} : Date Opened:XX/XX/XXXX Account Name : XXXX XXXX XXXX : Balance : {$0.00} : Date OpenedXXXX Account Name : XXXX XXXX XXXX XXXX : Balance : {$0.00} : Date OpenedXXXX Account Name : XXXX XXXX XXXX XXXX Balance : {$0.00} : Date Opened : XX/XX/XXXX Unauthorized Inquiries : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX VIA DEALER XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX