davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-27
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. (NY)

Recently, i did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S. Code 1681 e ( b ) Accuracy of report whenever a consumer reporting agenvy prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

16 U.S. Code 1681i ( 5 ) treatment of inaccurate or unverifiable information ( A ) in general if, after any reinvestigation under paragraph ( 1 ) of any information dispute by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shallj ) 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. 

Please remove the following items from my credit report, immediately : Accounts XXXX. XXXX XXXX XXXX XXXX XXXX XXXXXXXX this account is being reported inaccurately, please remove this from my credit report immediately XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX this account is being reported inaccurately, please remove this from my credit report immediately XXXX XXXX XXXX XXXX XXXX XXXXXXXX this account is being reported inaccurately, please remove this from my credit report immediately XXXX. XXXXXXXX XXXX XXXX XXXX XXXXXXXX this account is being reported inaccurately, please remove this from my credit report immediately XXXX XXXX XXXX XXXX XXXX this account is being reported inaccurately, please remove this from my credit report immediately
Consumer complaint received 2024-09-27
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. (PA)

I couldnt believe my eyes this morning when I noticed that wrong accounts had appeared on my credit report, and I have no idea how or why this happened. I check my credit regularly, but this time the discrepancies were there with no explanation. I even refreshed my browser hoping it was a glitch, but the errors stayed. Im requesting that the documents Ive sent be carefully reviewed so I never have to worry about this problem again.
Consumer complaint received 2024-09-27
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. (AR)

After carefully reviewing my most recent credit report, I noticed that there are several accounts that I have zero knowledge of. I did not give my signature to authorize any of these accounts. Here are said accounts that should not be on my report : XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$550.00} {$500.00} XXXX  XXXX XX/XX/XXXX XX/XX/XXXX {$220.00} {$270.00} XXXX XXXXXXXX XX/XX/XXXX XX/XX/XXXX {$200.00} XXXX XXXX XX/XX/XXXX XX/XX/XXXX {$410.00} {$300.00} XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$1700.00} {$2500.00} XXXX XXXX XX/XX/XXXX XX/XX/XXXX {$1600.00} XXXX  XXXX XX/XX/XXXX XX/XX/XXXX {$300.00} XXXX XXXX XX/XX/XXXX XX/XX/XXXX {$540.00} {$500.00} {$540.00} XXXX XXXX  XXXX XX/XX/XXXX XX/XX/XXXX {$11000.00} {$18000.00} {$13000.00} XXXX  XXXX XX/XX/XXXX XX/XX/XXXX {$15000.00} {$28000.00} {$26000.00} XXXX  XXXX XX/XX/XXXX XX/XX/XXXX {$1100.00} XXXX  ( Original Creditor : XXXX THXXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XX/XX/XXXX XX/XX/XXXX {$1800.00} {$11000.00} ( Original Creditor : XXXX XXXX XXXX ) XXXX XX/XX/XXXX {$76.00} XXXX  XXXX XXXX XX/XX/XXXX XX/XX/XXXX {$990.00} {$750.00} {$990.00} XXXX  XXXX XXXX XX/XX/XXXX XX/XX/XXXX {$590.00} {$700.00} {$500.00} XXXX  XXXX XX/XX/XXXX XX/XX/XXXX {$790.00} XXXX XXXX XXXXXXXX XX/XX/XXXX {$0.00} XXXX XX/XX/XXXX {$960.00} XX/XX/XXXX XXXX XXXXXX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$800.00} Names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Addresses : XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX
Consumer complaint received 2024-09-27
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)

To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!
Consumer complaint received 2023-11-15
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. (IL)

I have 3 Hard inquiries on my credit report that i know i did not apply for, as well as one collections account on my XXXX report! 

Hard Inquires on Transunion XXXX XXXX 1. XXXX - XXXX ( 2 inquiries ) XX/XX/XXXX & XX/XX/XXXX 2. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX from XXXX 1. XXXX XXXX {$130.00} XX/XX/XXXX Original creditor is XXXX
Consumer complaint received 2024-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (OK)

Ive noticed items on my credit report that I dont recognize, suggesting potential identity theft since I didnt authorize these accounts. I've addressed this previously, and I'm now requesting the swift removal of these accounts. Their presence is causing me significant stress and misrepresents my true credit history. If we can't resolve this, Im prepared to take legal action to protect my rights. These inaccuracies are a major obstacle to achieving important financial goals, such as buying a house and supporting my family. I hope we can address this issue promptly.
Consumer complaint received 2024-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Consumer complaint received 2024-09-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

XXXX IS AWARE OF MY IDENTITY BEING STOLEN I PROVIDED PROOF THEY REQUESTED IN XX/XX/year>. These are STILL on my credit report AFTER providing PROOF OF IDENTITY THEFT!!! 
They know that the email address AND the physical address used NEVER WAS MINE!!! 
My credit report is destroyed due to their fraudulent negligence!!!!
Consumer complaint received 2024-07-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (VA)

Please take a look at the attached letters and ID docs for verification that it is I 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 2024-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.
Consumer complaint received 2024-09-27
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. (IL)

I'm writing to bestow my XXXX concerning the tested records on my credit report. On various occasions, I have raised the issue of errors in these records, and have reliably referred to that they be completely broke down. Regardless of what my endeavors, I eventually can't get any goal or supportive development. These misguided records are really harming my credit file and hindering my capacity to go on with an ordinary life. The disagreeable results of these slip-ups have caused huge difficulties for me, and I'm left with no decision beside to battle for your help with surveying what's going on quickly. I generously demand that you direct a wary evaluation concerning the vital of these tested records. It is fundamental that the chief pushes are taken to restore and amend my credit report immediately. With your assistance, I need to reestablish the accuracy and reliability of my credit record so I could recuperate command over my cash related achievement. I truly demand that you offer this matter your generally preposterous idea and make a quick move. Your help and moving in settling this issue rapidly would be exceptionally critical. Much appreciation to you right off the bat for your insight and help.
Consumer complaint received 2024-09-27
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. (MS)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2024-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Statement of Fact : Congress found that the purpose of the Fair Credit Reporting Act ( FCRA ) is to require that consumer reporting agencies ( e.g. XXXX, XXXX and XXXX ) adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance and other information in a manner which is fair and equitable to the consumer. 
. 


Affiant Facts : Affiant is aware and has proof in the attachment labeled as Exhibit XXXX XXXX account XXXX XXXXXXXX, XXXX Account XXXX XXXXXXXX is in violation of several laws in regard to how they are reporting and are stated as follows : 15USC1681-A 15USC1681s-2 15USC1681a 2 ( A ) ( i ) 15 USC 1681e ( b ). 


The inaccurate reporting of both my account status and payment status by XXXX account XXXX XXXXXXXX, XXXX Account XXXX XXXXXXXX is causing harm to my credit reputation and financial standing. 

All items listed in Exhibit XXXX are invalid, inaccurate, not timely and carry no documented evidence, it is damaging to my character, creditworthiness and well being by falsely stating those non compliant unverifiable accounts on my report.
Consumer complaint received 2023-11-15
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. (TN)

XXXX XXXX XXXX XXXX XXXX acc:XXXX  date : XXXX owed : {$4500.00} XXXX XXXX XXXX acc:XXXX date : XXXX, XXXX owed : {$360.00} XXXX XXXX XXXX acc:XXXX date : XXXX, XXXX owed : {$4300.00} XXXX XXXX XXXX  acc:XXXX date : XXXX, XXXX owed : {$510.00} XXXX XXXX XXXX acc:XXXX Date : XXXX, XXXX owed : {$1100.00} In present time of my findings. I XXXX XXXX the consumer, have come to the conclusion my identity has been misused for malicious intent. As the consumer who is bound by the protection of the federal trade commission i would greatly appreciate these charges be removed in a timely manner off of my consumer credit report, for they are fraudulent and disrupting the growth of my financial well-being and hindering me from furthering my business goals and the pursuit of establishing comfortable living and prosperity for my family. Thank you, XXXX XXXX XXXX
Consumer complaint received 2024-09-27
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. (OK)

Consumer Name : ( XXXX XXXX ), 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 I am Filing this CFPB to report separate fraudulent account appearing on my consumer fico credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of personal loan accounts and student loans opened at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX dept. of education XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I demand that the aforementioned fraudulent items be removed from each of m consumer credit report and that all collection activity related to said items cease pursuant to my right within the FCRA and FDCPA laws.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-09-27
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. (TX)

Not accurate filing date and showing up as XXXX XXXX on XXXX and on Transunion XXXX XXXX too many errors and this is causing alot of issues for me I want this deleted off my credit report.. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Case or ID # Disposition Date Filed Type Filer Current Disposition XXXX Bankruptcy Filed XX/XX/XXXX Personal Individual Dismissed/Closed XXXX Asset Amount Exempt Amount Current Disposition Date Date Verified Date Reported Prior Disposition XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX Filed ////// Reference Number XXXX Date Filed XXXX. XXXX, XXXX Classification Bankruptcy Type XXXX  XXXX bankruptcy Responsibility Individual Asset Amount XXXX
Consumer complaint received 2024-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and Transunion has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, so I require you to send me all the documentation to prove that this information is accurate. I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Consumer complaint received 2023-01-12
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. (HI)

Transunion has failed to remove information that has had a material impact on myself after repeated requests to do so, and furnishing them with the requested information beyond what has been requested. 

I ask that these requests be honored, otherwise, other agencies, federal, state, local, ACLU, civil rights, state Attorney Generals, and other may be contacted to correct the information or otherwise forced to do so in a court of law with a favorable ruling by a the presiding Judge. 

The information listed is inaccurate, incorrect, done without my consent, permission, or authority, and I was otherwise unknown of the severity of the situation. 

Remove all requested information.
Consumer complaint received 2024-09-27
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)

I called XXXX XXXX XXXX to close one of my credit cards with them. After an exceptionally long hold I was told the wrong card was closed and she had to escalate to reopen the card. She did not at ANY point tell me there was a credit inquiry to reopen the card SHE closed in ERROR. Approximately 5 minutes after the call ended I received an alert that there was a hard pull on all 3 credit bureaus. I checked and my score dropped an average of XXXX points across bureaus. I called back and was nonchalantly advised it would take 10-15 days to fix their mistake. This is unacceptable and I consider this an unauthorized credit pull that two representatives had the opportunity to tell me about and neither did. It is highly unethical and may impact my interest rates on buying a house or a car for the next 3-4 months. Something needs to be done about this unethical practice of pulling credit without notifying the costumer, because I would have told them to leave the card closed because I dont actually use eitheXXXX XXXX XXXX XXXX card on a regular basis and pay around XXXX annually. The rep was very well aware that I was contemplating closing that card too because I TOLD her. So, she had made a promo points offer to keep the card. Which makes it even more unethical not to provide me with a choice in the matter of pulling MY credit. Contacted XXXX XXXX XXXX case # XXXX and his supervisor XXXX. I dont know the two female reps names who caused the issue.
Consumer complaint received 2024-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

My account with was never late! I have had exceptional payment history witH XX/XX/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 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 2024-09-27
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'm writing this letter to inform you I have found inaccurate information on my credit report. The following information is fraudulent and I have no relationship to it. 

XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX