davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-24
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. (CA)

I rediscovered 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 XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2024-09-25
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 am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 




Inquiry XXXX XXXX XXXX
Consumer complaint received 2024-09-21
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: EQUIFAX, INC. (GA)

I've reviewed my consumer report and found numerous hard inquiries that I do not recognize. The hard inquiries on my consumer report are : XXXX XXXX, XXXX VIA XXXX, XXXX XXXX XXXX, XXXX CARD, XXXX XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX BANK, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX UPGRADE, XXXX, XXXX XXXX SYSTEMS. XXXX VIA XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX VIA XXXX, XXXX VIA XXXX XXXX, XXXX VIA XXXX XXXX XXXX, XXXX XXXX VIA XXXX XXXX, XXXX XXXX, XXXX VIA XXXX, XXXX  VIA XXXX XXXX IN, XXXX XXXX within XXXX business days.
Consumer complaint received 2024-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MD)

( XXXX XXXX ), ( XXXX ), ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax 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 Loans account opened at XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX Account number ( XXXX ) an secured Loan at XXXX XXXX XXXX XXXX XXXXXXXX opened at at on XX/XX/XXXX Account number ( XXXX ) an secured loan Opened at XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX Account number ( XXXX ) an credit card Opened at XXXX on XX/XX/XXXX Account number ( XXXX ). An revolving account opened at XXXX XXXX XXXX  XXXX on XX/XX/XXXX Account number ( XXXX ). An Collection Opened at XXXX XXXX XXXX on XX/XX/XXXX Account number ( XXXX ) an installment account opened at XXXX XXXX XXXX  on XX/XX/XXXX Account number ( XXXX ). These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. 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 ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries XXXX XXXX  XX/XX/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 XXXX  XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/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 XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/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 XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX are the result of identity theft and fraud.
Consumer complaint received 2024-07-29
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)

This letter is a request of the steps that your company took when investigating the disputed items. Please send me a detailed explanation of how you obtained theses results. Did you receive written notification from the company or was it a verbal confirmation? Also, I would like the address you mailed the request to or the phone number you used to contact them. Please do not send me a generalized response showing the normal investigation procedures. I am requesting a detailed explanation of how you received these specific responses. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-28
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)

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Subject : Dispute of Incorrect Late Payment on TransUnion Credit Report To Whom It May Concern, I am writing to formally dispute an incorrect late payment entry on my TransUnion credit report related to an account with XXXX XXXX XXXX XXXX The account details are as follows : Creditor Name : XXXXXXXX XXXX XXXX Current Status : On-time Issue : XXXX Missed Payment As an authorized user on this account, I am not responsible for any late or missed payments. The presence of this late payment on my credit report is inaccurate and has negatively impacted my credit score. 

I have already contacted TransUnion to dispute this entry but have not received a satisfactory response. Therefore, I am seeking the assistance of the CFPB to investigate this matter and ensure that this late payment entry is removed from my TransUnion credit report. 

As a fair resolution to this issue, I am requesting the following actions : Immediate Removal of the Incorrect Late Payment : The immediate removal of the late payment entry from my TransUnion credit report. 
Verification of Authorized User Status : Confirmation that, as an authorized user, I am not responsible for the payment history of the account.

Notification of Changes : Written confirmation once the late payment entry has been removed from my credit report. 
I appreciate your prompt attention to this matter and look forward to your assistance in resolving this issue. 

Thank you for your time and consideration. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-07-28
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. (MA)

I had XXXX charge me for a home phone which I never had. It was for XXXX dollars. 
I had only a cell phone with them. 
It came off my credit report but now was sold to a company XXXX XXXX and XXXX took it off again. But XXXX and transition wont. Im not happy that I pay for their services and there not protecting me. 
Again that is not my bill. 
Thank you
Consumer complaint received 2024-07-28
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)

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Subject : Dispute of Incorrect Late Payment on TransUnion Credit Report To Whom It May Concern, I am writing to formally dispute an incorrect late payment entry on my TransUnion credit report related to an account with XXXX XXXX XXXX XXXX The account details are as follows : Creditor Name : XXXXXXXX XXXX XXXX Current Status : On-time Issue : XXXX Missed Payment As an authorized user on this account, I am not responsible for any late or missed payments. The presence of this late payment on my credit report is inaccurate and has negatively impacted my credit score. 

I have already contacted TransUnion to dispute this entry but have not received a satisfactory response. Therefore, I am seeking the assistance of the CFPB to investigate this matter and ensure that this late payment entry is removed from my TransUnion credit report. 

As a fair resolution to this issue, I am requesting the following actions : Immediate Removal of the Incorrect Late Payment : The immediate removal of the late payment entry from my TransUnion credit report. 
Verification of Authorized User Status : Confirmation that, as an authorized user, I am not responsible for the payment history of the account. 
Notification of Changes : Written confirmation once the late payment entry has been removed from my credit report. 
I appreciate your prompt attention to this matter and look forward to your assistance in resolving this issue. 

Thank you for your time and consideration. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-07-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I recently received my credit report from transunion and the IRS stated that a charge-off is forgiven for less than the amount owed, cancelation of debt may accur if the creditor can't collect, or gives up on collection, and they file on there tax return as a loss! So how are you ( transunion ) reporting ( income ) on my canceled debt of XXXX from XXXX XXXX XXXX XXXX  this amount is absolutely not accurate please explain
Consumer complaint received 2024-07-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

My account with XXXX XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX XXXX XXXX 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 the company and is not a reflection of my payment experience which violates XXXX XXXX XXXX. 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 months that are reported late to be removed. 

They are not in compliance with the following law. XXXX XXXX XXXX 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! 

XXXX XXXX XXXX ( a ) Time to make payments A creditor XXXX 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 XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX XXXX XXXX XXXX XXXX  Never Sent the periodic statement along with the disclosures from section XXXX ( 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 XXXX 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 2024-07-28
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. (GA)

Subject : Dispute of Charge-Off on Credit Report under 15 USC 1681e Dear XXXX XXXX, I am writing to dispute the accuracy of a charge-off that appears on my credit report. This dispute is made under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681e, which mandates that credit reporting agencies maintain accurate and complete records. 

The specific item I am disputing is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX I believe this charge-off is incorrect for the following reasons XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is reporting to my consumer reports TWICE! VIOLATION!! Numerous inaccuracies. One report XXXX XXXX XXXX XXXX XXXX XXXX  ) shows High Credit reporting {$1000.00} on XXXX XXXX XXXX XXXX XXXX XXXX INACCURATE! Account Status shows on One Report TransUnion XXXX XXXX reporting Derogatory, & XXXX reports Transferred. The other report shows XXXX reporting XXXX, XXXX reporting Derogatory. This is confusing! and has caused adverse affects on obtaining credit. Date Opened on one report TransUnion reports XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. One Report reports TransUnion XXXX XXXX shows Collection/Chargeoff XXXX XXXX shows Current. INACCURATE! Comments show on one report XXXX reports Current & XXXX reports Collection/Chargeoff. Comments show on second report Charged off as bad debt. Purchased by another lender reported by TransUnion, XXXX reports the name of the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  is owed to XXXX XXXX XXXX. Date Last Active on one report : TransUnion reports XX/XX/XXXX, XXXX reports XX/XX/XXXX, & XXXX reports XX/XX/XXXX. Date of Last Payment : TransUnion reports XX/XX/XXXX, XXXX reports XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. Last Reported TransUnion shows XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX. INACCURATE DATA REPORTING! On second report XXXX XXXXXXXX XXXX XXXX XXXX XXXX  ] shows Last Reported : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Clearly there are numerous inaccuracies violating the FCRA 15 USC 1681e that credit bureaus are to maintain 100 % accurate & complete records. ( SEE ATTACHED my consumer reports from XX/XX/XXXX. ) REMOVE both of these accounts IMMEDIATELY!!! Additionally, under 15 USC 1681e ( b ), you are required to follow reasonable procedures to ensure the maximum possible accuracy of the information reported.
Consumer complaint received 2024-09-21
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. (FL)

In accordance with the Fair Credit Reporting act XXXX  XXXX ACCOUNT # XXXX {$360.00} XXXX XXXX_ ACCOUNT # XXXX {$360.00} XXXX XXXX_ ACCOUNT # XXXX {$1000.00} XXXX XXXX XXXX _ ACCOUNT # XXXX {$12000.00} XXXX XXXX ACCOUNT # XXXX {$940.00} XXXX  XXXX XXXX XXXX_ ACCOUNT XXXX XXXX {$11000.00} XXXX XXXX XXXX XXXX_ ACCOUNT # XXXX {$740.00} XXXX XXXX XXXX _ ACCOUNT # XXXX {$1100.00} XXXX XXXX XXXX _ ACCOUNT # XXXX XXXX XXXX XXXX  _ ACCOUNT # XXXX {$1100.00} XXXX XXXX XXXX _ACCOUNT # {$570.00} XXXX XXXX XXXX ACCOUNT # {$2100.00} XXXX  XXXX _ ACCOUNT # XXXX {$1400.00} XXXXXXXX XXXX XXXX XXXX XXXX ACCOUNT # XXXX {$1900.00} 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 consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-03-16
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: Experian Information Solutions Inc. (CA)

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under 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. ( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge. Please update the status of this account : XXXX XXXX XXXX : {$1100.00}
Consumer complaint received 2024-07-27
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. (MI)

XXXX inquiries on my Transunion credit reports unauthorized also fraudulent please delete immediately 15-US-CODE-1681 ( a ) ( e ) ( I ) Please compensate with a check of XXXX} dollars
Consumer complaint received 2023-03-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

In XXXX, I placed credit freezes on all my accounts with the 3 credit reporting bureaus. After becoming a victim of the NYS unemployment fraud in XXXX, I added fraud alerts to the XXXX accounts. I had particular issues with Transunion because their website insisted my personal info. was wrong. I finally received a credit report and they had a typo with my birthdate which caused the issue when I was trying to take care of things online. I had to send various forms of ID and verification to prove what my birthdate was. That's fine but it was their typo that caused the issue. Every single time I try to log into my Transunion account to extend the fraud alert, I have problems. I log in OK without issue. I select the fraud alert option and it takes me to a page that says they are having difficulty with this and to try again later or to contact them. It's impossible to locate the phone number to call to speak to someone who can help. Instead, the only visible number is for website assistance but they can't help with fraud alerts. I end up speaking- and giving personal information out to - different people who can never help me until finally I am directed to the correct dept. Everyone is foreign speaking and difficult to understand. As an ID theft victim, it does not instill much confidence in me that my info is safe and protected. I should be able to set a fraud alert in my account without such a problem. It should be easy to do. Every year it is the same thing with Transunion. Then after you are thoroughly aggravated with them, they try to push you into purchasing their credit monitoring services. Transunion is the worst out of the 3 as far as website and service. XXXX and XXXX can't seem to keep our personal data protected with all their data breaches. The entire credit reporting business is such a scam.
Consumer complaint received 2024-07-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AL)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-09-25
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 very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2024-07-28
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. (MI)

CFPB Writeup : 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  Account name : # XXXX XXXX  Account name : # XXXX XXXX XXXX Account name : # 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. 
The FCRA and also hard inquiries XXXX, XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX
Consumer complaint received 2024-07-27
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)

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. 

Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 

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 seven 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.