davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-01-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

on XX/XX/XXXX I filed a report with CFPB ( XXXX-XXXX ) against this company for items on my report due to identity theft I provided a police report and an FTC report even though they removed the items they refuse to delete the inquiries that were also due to identity theft and fraud here are the items there are also new inquiries. When I called the company they gave me a line that they don't remove or dispute hard inquiries which are against the law you have to remove inaccurate information from my report they also claimed that I did not file the above-referenced report with you all I spoke to a Manager who also stated the same facts. This Credit reporting agency needs to be investigated. Inquiry details Miscellaneous Reptg. Agencies  XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX All Banks XXXX XXXX Inquiry from XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX  - XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX Inquiry from XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX/XXXX Inquiry from XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XXXX Inquiry from XX/XX/XXXX Miscellaneous Reptg.  Agencies XXXX XXXX, XXXX Inquiry from XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XXXX Inquiry from XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX All Banks XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX All Banks XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX All Banks XXXX XXXX XXXX  XXXX Inquiry from XX/XX/XXXX All Banks XXXX XXXX Inquiry from XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX/XXXX  Inquiry from XX/XX/XXXX National Credit Card Cos. 
XXXX XXXX  XXXX XXXX Inquiry from XX/XX/XXXX All Banks XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX  XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX XXXX Inquiry from XX/XX/XXXX Automobile Dealers, Old
Consumer complaint received 2024-10-07
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. 

1 ) XXXX XXXX  : Account Number XXXX  XXXX 2 ) XXXX Account XXXX  XXXX 3 ) XXXX XXXX XXXX : Account XXXX XXXXXXXX 4 ) XXXX  Account XXXX  XXXX 5 ) XXXX XXXX Account XXXX  XXXX 6 ) XXXX  Account XXXX  XXXX 7 ) Account XXXX  XXXX 8 ) XXXX XXXX XXXX XXXX  Account XXXX  XXXX 9 ) XXXX XXXX Account : XXXX  XXXX 10 ) XXXX XXXX Account : XXXX  XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 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 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I am writing to formally dispute the inaccurate information being reported on my credit report from your bureau. Specifically, I am disputing the details regarding XXXX XXXX XXXXXXXX XXXX XXXX listed as a charge-off on my credit report. 

Inaccuracies and FCRA Violations : 1. Inconsistent Date of Last Activity : The date of last activity for this account is inconsistently reported across sections of the credit report. One section lists the last activity as XX/XX/year>, while another lists it as XX/XX/year>. This violates the FCRAs requirement for accuracy in credit reporting. 
2. Unreported or Incomplete Payment History : My report indicates No data available for payment history on this account, which is inaccurate. This account had prior payments before it was charged off, and those should be reflected in the payment history. Reporting incomplete information violates my rights under the FCRA to have accurate and complete information. 
3. Discrepancies in High Balance : The high balance of the account is reported inconsistently. In some sections of the report, the high balance is shown as {$10000.00}, while in others, it is either not specified or appears incorrectly. This inconsistency again violates the FCRAs standards for accurate reporting. 
4. Outdated Dispute Remark : There is a notation of Consumer Disputes Reinvestigation in Progress. If the reinvestigation is complete, this remark should be removed. Leaving it on the report unnecessarily could unfairly impact my credit standing. 

Requested Action : Under the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute any inaccurate or incomplete information on my credit report. Please conduct a thorough investigation of this matter. I request the following : The removal or correction of the date of last activity to ensure consistency across all sections. 
An update to reflect the correct payment history prior to the charge-off. 
The correction of the high balance amount to consistently show {$10000.00} or the accurate amount across all reports. 
Removal of the outdated dispute remark if the reinvestigation is complete. 

Please conduct this investigation and provide me with a written confirmation of your findings and any updates made to my credit report. Should this account not be verifiable or if these inaccuracies are not corrected, I request the removal of XXXX XXXX XXXX charge-off from my credit report as required by law. 

I have enclosed a copy of my credit report, highlighting the relevant information, along with any supporting documents for your reference. 

Thank you for your attention to this matter. I look forward to your prompt response within 30 days, as required by the FCRA.
Consumer complaint received 2024-08-23
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. (CA)

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

Account Name : XXXX XXXX : Account Number : XXXX : Balance : {$2500.00} Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX : Balance : {$180.00} Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX : Balance : {$88.00} Account Name : XXXX : Account Number : XXXX : Balance : {$920.00} Account Name : XXXX XXXX : Account Number : XXXX : Balance : {$830.00} Account Name : XXXX XXXX : Account Number : XXXX : Balance : {$2900.00} Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX : Balance : {$350.00} Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX : Balance : {$10000.00} Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX  : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX : Balance : {$11000.00} Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX : Balance : {$13000.00} Account Name : XXXX XXXX XXXX Account Number : XXXX : Balance : {$2900.00} Account Name : XXXX : Account Number : XXXX : Balance : {$15000.00} Account Name : XXXX : Account Number : XXXX : Balance : {$24000.00} Account Name : XXXX XXXX XXXX : Account Number : XXXX : Balance : {$81.00} Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2024-10-07
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. (TX)

I submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$2000.00} XXXX XXXX XXXX Balance Owed : {$2900.00}
Consumer complaint received 2024-10-07
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)

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX  XXXX XX/XX/XXXX in the amounts of {$450.00}, XXXX XXXX XX/XX/XXXX in the amount {$280.00}, XXXX XXXX  XXXX XX/XX/XXXX in the amount of {$0.00}, XXXX XXXX XXXX XXXX in the amount of {$0.00}, XXXX XXXX XX/XX/XXXX in the amount of {$690.00}, XXXX XX/XX/XXXX in the amount of {$27.00}, XXXX XXXX XXXX XX/XX/XXXX in the amount of {$1100.00}, XXXX XXXX XX/XX/XXXX in the amount of {$200.00}, XXXX XXXX XXXX XX/XX/XXXX in the amount of {$260.00}, XXXX XXXX  XXXX XX/XX/XXXX in the amount of {$47.00}, XXXX XXXX XXXX XXXX in the amount of {$0.00}, XXXX XXXX XX/XX/XXXX in the amount of {$0.00}, XXXX XXXX XXXX XXXX in the amount of {$0.00}, XXXX XXXX XXXX XX/XX/XXXX in thr amount of {$0.00}, Mobile account ; XXXX XXXX XX/XX/XXXX in the amount of {$1000.00}. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX, XXXX, XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit card accounts, collections, and hard inquiries are the result of identity theft and fraud.
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. (OH)

XX/XX/XXXX NONE OF THESE ACCOUNTS ARE MINE THEY ARE ILLEGAL!!! 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX These accounts are illegal and I have already made an identity theft report. These collections are fraudulent. I've hired a credit specialist and I've placed security alerts on my bureaus. This is my second time having this issue with these accounts and inquiries that I did not authorize. Please remove them ASAP because its beyond illegal and I have contacted these companies numerous times and legal action will have to be taken. These accounts are fraudulent, illegal, I never ever opened these accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX
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. (TX)

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 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (LA)

Please take a look at the attached letters and ID docs for verification that it is I 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 2024-10-06
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. (AR)

XX/XX/year> VALIDATION AND CEASE AND DESIST XXXX XXXX XXXX XXXX  Address : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, MI XXXX Account number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX AR. XXXX Dear XXXX XXXX XXXX XXXXXXXX, I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : XXXX. The name and address of the original creditor and the current creditor. 
XXXX. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 
XXXX. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 
XXXX. Proof that the original creditor securitized the debt. 
XXXX. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 

Please cease and desist from collecting on this debt until you have provided validation of the debt. 

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 

Thank you for your prompt attention to this matter. 

XXXX XXXX XXXX
Consumer complaint received 2023-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraudulent items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediate. 
XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX, XXXX, XXXX  ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX, AZ XXXX ; XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX, NY XXXX ; XXXXXXXX XXXX  XXXX, NY XXXX ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX  XXXX XXXX Balance Owed : {$6000.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00}.
Consumer complaint received 2024-10-07
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. (DC)

I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I found numerous accounts on my credit report that were not opened by me. I am in the process of buying a home for my family and this has been hurting me. Please remove these fraudulent accounts and inquiries from my credit report as soon as possible. SEE ATTACHED.
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

My account with was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on XXXX. 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 in 60 days 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 2024-08-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NAVY FEDERAL CREDIT UNION (NJ)

After noticing multiple late payments reporting to my consumer report I notified the credit reporting agencies and asked them to investigate this account. I understand that in order for any account to be reported as late, the consumer in which I should receive a statement document every month no later than 21 days before my bill due date pursuant 15 U.S. Code 1666b - Timing of payments. Since I've opened this account I have yet to receive that document but every month they continued to report it late without following the proper procedures in which that is a violation. At some point with XXXX affecting everything I came across hard times and fell behind on bills. This account that's reporting unauthorized late payments without following the proper procedures is negatively impacting my credit score limiting my ability to obtain necessities in life. I am not disputing this account in the fact that this debt isn't mine but in the fact they they failed to properly send me the statement documents from every month that this account was open but yet still proceeded to report this account as late. I am asking that they remove or stop reporting this account from reporting to my consumer report in which that failed to follow the proper procedures pursuant 15 US CODE 1666b - Timing of payments.
Consumer complaint received 2024-10-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This is my third and final demand regarding the inaccurate and erroneous information you continue to report on my credit file despite multiple disputes. It has become apparent that the credit bureaus are deliberately ignoring its legal obligations under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681i ( a ). 

XXXX XXXX XXXX XXXX XXXXXXXX - 15 USC 1681e ( b ) collections must be 100 % accurate across all three bureaus. I request validation under 15 U.S. Code 1692g- Validation of debts. 

XXXX XXXX XXXX XXXX  - 15 USC 1681e ( b ) collections must be 100 % accurate across all three bureaus. I request validation under 15 U.S. Code 1692g- Validation of debts. Your actions are in violation of FCRA Laws XXXX XXXX XXXX XXXX - 15 USC 1681e ( b ) collections must be 100 % accurate across all three bureaus. I request validation under 15 U.S. Code 1692g- Validation of debts. If information is not provided or the false reporting isnt removed ; as in XXXX XXXX Trans Union XXXX, XXXX. XXXX { XXXX. XXXX. XX/XX/year> }, you may be liable for your willful non-compliance. 

XXXX XXXX XXXX XXXX XXXX  15 USC 1681e ( b ) collections must be 100 % accurate across all three bureaus. I request validation under 15 U.S. Code 1692g- Validation of debts. Failing that, the items must be deleted from the report as soon as possible. 

XXXX XXXX - XXXX - 15 USC 1681e ( b ) collections must be 100 % accurate across all three bureaus. I request validation under 15 U.S. Code 1692g- Validation of debts. If information is not provided or the false reporting isnt removed ; as in XXXX XXXX Trans Union XXXX, XXXX. XXXX { XXXX. XXXX. XX/XX/year> }, you may be liable for your willful non-compliance.