davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-27
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. (NY)

MY NAME IS XXXX XXXX XXXX XXXX XXXX XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX Todays XXXX I have looked at my credit report and I have noticed fraudulent credit card ACCOUNT NAME US BANKRUPTCY CT GA XXXX REF # XXXX IAM ASKING FOR THIS BANKRUPTCY TO BE REMOVED NOW ITS OFFICAL REMOVAL DATE IS XX/XX/year> THIS XXXX XXXX  BANKRUPTCY THAT SHALL BE REMOVED FROM MY CONSUMER REPORTS IN A MONTH FROM NOW I ASK AS A FEDERALLY PROTECTED CONSUMER FOR THIS ACCOUNT TO BE REMOVED NOW SO I CAN GET A HEAD START AT REBUILDING MY LIFE BACK. THERE IS THE HOLIDAYS COMING AND WINTER AND I HAVE NO WHERE TO LIVE THIS IS HOLDING ME BACK FROM GETTING A PLACE FOR ME AND MY KIDS THANK YOU 15 USC 1681 E ( B ) & 15 USC 1681 1 ( 5 )
Consumer complaint received 2024-10-09
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. (MI)

Your firm has failed to send the legally required validation of this debt. You have been notified that your actions are detrimental to me and that your firm has violated ( including but not limited to ) the Consumer Credit Protection Act, the Fair Credit Reporting Act, and the Fair Debt Collection Practices Act. 
Your firm knew or should have known that the actions taken against me and the information collected about me was inappropriate and damaging to me. 
Failed to use reasonable care in the course of business and failed to use even minimal procedures to ensure that I was not harmed. 
Communicated and are continuing to communicate incorrect and defamatory information to third parties including but not limited to : XXXX, XXXX, and Trans Union. THEY KEEP CALLING ME AND PULLING UP TO ADDRESSES WHILE IM NOT THERE THEY XXXX  MY MOM HOME XXXX XXXX THEY SAYING THEY GOT LAWYERS TO SUE ME AROUND MY KIDS THIS IS NOT FAIR AND THEY ONLY CALL TO THEART ME EVERY TIME I FILE A COMPLAINT WITH THE CFPB YALL REALLY NEED TO LOOK INTO THIS COMPANY JUST NOT ON MY BEHALF ON ALL CONSUMERS IN XXXX
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (GA)

I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after 30 days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (GA)

I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the XXXX, Experian, and XXXX data breaches, which heightens my concern regarding the security and handling of my personal information.
Consumer complaint received 2024-09-24
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. (GA)

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 2024-10-09
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)

I'm filing this complaint regarding inaccurate late payments on my credit record. After reviewing my report, I found these erroneous entries. I sent letters addressing this issue over 30 days ago but have received no response or satisfactory validation.
Consumer complaint received 2024-10-09
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)

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. 

Inquiry XXXX Date of inquiry : XX/XX/year> XXXX  Date of inquiry : XX/XX/year> XXXX XXXX XXXX Date of inquiry : XX/XX/year> XXXX XXXX XXXX Date of inquiry : XX/XX/year>
Consumer complaint received 2023-07-22
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. (GA)

XX/XX/2023, at XXXX XXXX I spoke to Bankruptcy courthouse employee XXXX. I asked her does the Bankruptcy Court report to credit Bureaus. She stated that the bankruptcy court does not report to credit bureaus. I asked her if I could attain documentation stating that the Bankruptcy doesnt report to credit unions. She stated she couldnt send any documentation, but it clearly states on the Bankruptcy Court House website that the court doesnt report to credit bureaus. The Bankruptcy Clerk 's Office is not responsible for credit reports and does not provide information to credit reporting agencies. They do not report any bankruptcies to anyone So if that is the case. How did the credit bureau verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 U.S.C 1681.

15 U.S.C 1681 section 603 ( 3 ) ( E ) States : The term investigate consumer report means a consumer report or portion thereof in which information on a consumer character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends or associates of the consumer reported on or with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

They also violated my right numerous times.

The credit bureaus violated my given rights under 15 U.S.C 1681.

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

According to : 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without written instructions.

According to : 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 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Since XXXXXXXX XXXX Ive requested Proof of validation of all charged off / collection accounts listed on my credit report. 
Ive sent disputes and submitted challenges with the creditors and collection companies for the last 3-4 months to get a full scope of how things are being reporting on my report. 

Although Ive seen some success All the CRAs have responded to my validation request and confirmed all information was accurate and valid. When I asked for HOW my request was investigated I was met with zero response. 

According to Metro 2 compliance and FCRA, 15 U.S. Code 1681s2 - it requires that all data reported to CRA is accurate and complete. This includes information such as account balances, high limits, payment history, account status, last dates of activity and other identifying information. 

CRAs must remove inaccurate, incomplete, or unverifiable information within 30 days of notice. It has been 90+ days since Ive sent my first dispute letters and there is still inaccurate items being reported. Also once I notified them the information theyre reporting was incorrect they still reported it the following month, which is a violation of the FCRA 15 U.S. Code 1681s2 B Ive attached highlighted proof of the inaccuracies across the three CRA bureaus. That should be reporting the SAME accurate information. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-07-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (IL)

XXXX ( Report # XXXX Case # XXXX ) refuse to remove inaccurate information from my credit file such as the wrong name 14 different address 's that does not belong to me. they are also reporting a public record that is inaccurate and can't be verified. I have contacted XXXX and disputed the inaccurate information. XXXX responded with a written letter saying that they verified the information with XXXX and it was accurate, however the name that they are reporting is not my name nor did I reside at the address 's on my consumer file. XXXX XXXX XXXX is not my name XXXX is not the last four digits of my Social Security Number. 

XXXX ( Report # XXXX ) Refuse to delete inaccurate information such as the wrong Name, Social Security Number, and! 4 different address 's i never resided at. I have contacted XXXX and filled disputes on the Identity mix up. They responded saying the information was verified and accurate, but it's not the name my parents gave me nor is it my Social Security Number That was assign to me. XXXX XXXX XXXX is not my name and XXXX is nit the last 4 digits of my Social Security Number. 

Equifax ( Report # XXXX ) Refuse to delete inaccurate information from my credit report such as Public Records that they refuse to verify. I have disputed the information and they responded in a written letter saying that the information was verified through XXXX and it was accurate. They also have 14 different address 's on my credit file that has nothing to do with me. I filled a dispute letting Equifax know that it was Identity theft that occurred between XXXX I received a written notice saying the information was verified and accurate. They have used their power to report misinformation on my credit file. 

XXXX ( Report # XXXX ) Refuse to delete inaccurate information on my credit file. They are reporting debts from XXXX XXXX that was verified as inaccurate and removed by Equifax, XXXX stats that the debts were verified as accurate. They are also reporting a Public Record on my credit file that they refuse to verify, and give me the information they did verify. XXXX has 14 different address 's on my credit file that they claim are verified as accurate, I have never lived at the address 's and sent proof to all Credit Reporting Agencies.
Consumer complaint received 2022-12-26
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: Experian Information Solutions Inc. (IN)

In accordance with the Fair Credit Reporting Act XXXX has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 a Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.  15 USC 1666B : A creditor may not treat a payment on a credit card accout under an open end consumer credit plan as late for purpose.
Consumer complaint received 2024-10-09
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. (MD)

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

Subject : Complaint to CFPB Regarding Experian 's Refusal to Correct Inaccurate Address Information Dear Consumer Financial Protection Bureau ( CFPB ) Complaints Department, I am writing to file a formal complaint against Experian for their failure to correct inaccurate address information on my credit report. Despite providing extensive evidence to support my claim, Experian has refused to remove the following outdated addresses from my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I wish to reiterate that I have never lived at, conducted business from, or had any association with these addresses. My current and accurate residential address is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have appropriately updated my address information in line with my current residence. To substantiate my dispute and facilitate the correction process, I have enclosed copies of my utility bill and driver 's license as proof of my current address. 

Experian 's refusal to correct this misinformation is not only a violation of the Fair Credit Reporting Act but also undermines the accuracy and reliability of my credit report. Furthermore, I have been unjustly restricted from disputing this personal information through Experian 's customer portal. 

I urge your agency to investigate this matter thoroughly and compel Experian to rectify the inaccuracies promptly by using the appropriate Credit Fair Reporting Act codes. It is imperative that my credit report accurately reflects my current address to prevent any further discrepancies in my financial transactions. 

Thank you for your attention to this matter, and I look forward to a swift resolution to ensure the accuracy of my credit report.
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. (LA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2023-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

My name is XXXX XXXX XXXX, and I am writing this statement on my own behalf. I am a victim of identity theft. I am writing to compel in accordance with the Fair Credit Reporting Act Section 603 and 605A ( b ) that my report be updated as soon as possible. I have not nor have ever received and/ or authorized the release of any goods or materials under these listed accounts. I wish to dispute these fraudulent accounts under the provisions of the law and am requesting a free copy of my report and all information in this matter. 

The fraudulent accounts are as follows : XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXXDEPT OF ED, XXXXDEPT OF ED, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all accounts are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct those accounts immediately.
Consumer complaint received 2023-06-12
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. (MO)

I submitted a letter to the XXXX Credit Bureaus last XX/XX/2023, to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again XXXX XXXX XXXX XXXX  Balance : {$16000.00} ; XXXX XXXX XXXX XXXX  Balance : {$16000.00}.
Consumer complaint received 2024-10-09
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)

I reviewed a copy of my credit report and noticed XXXX different accounts that do not belong to me. Those accounts are XXXX XXXX, XXXX XXXX, and XXXX XXXX. I have never done business with these companies. If any payments were made to these accounts they were not made on my behalf
Consumer complaint received 2024-10-09
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)

" Im requesting the immediate removal of the inquiry for the XXXX XXXX credit card from my credit report because I never authorized it and have no connection to this application. This is a clear violation of my rights under the Fair Credit Reporting Act ( FCRA ), and its unfairly affecting my credit. Unless you can provide solid proof that I gave permissionwhich I know I didntI expect this inquiry to be removed right away. If this isn't resolved promptly, I will take further steps to protect my rights. ''
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NE)

My account with ( XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX ) was never late! I have had exceptional payment history with XXXX XXXXXXXX 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 ( 30-90 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. 


( XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX ) 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