davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-12
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. (AZ)

I am filing a formal complaint regarding identity theft that has adversely affected my financial well-being. I believe I am a victim of identity theft, and I am seeking your assistance in addressing and rectifying the fraudulent activities associated with my personal information.
Consumer complaint received 2024-05-09
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: CAPITAL ONE FINANCIAL CORPORATION (MD)

I have 4 inquiries on my credit profile that i did not authorized. Named as follow : 1. ) XXXX XXXX 2. ) Capital One bank XXXX XXXX 3. ) Capital One XX/XX/2023 4. ) XXXX XX/XX/2023 I have already contacted all 3 credit bureaus about this matter. XXXX and XXXX said that they could not assist me. Stated that I had to contact the original creditor which i already did to no avail.
Consumer complaint received 2024-01-12
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. (NC)

I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account. Please send me an updated and accurate statement and BLOCK the account.
Consumer complaint received 2024-01-12
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)

XXXX XXXX This is also completely inaccurate. 

XXXX XXXX XXXX XXXXXXXX I do not recognize this. 

XXXX XXXX XXXXXXXX This is not accurate. 

XXXX XXXX This is not accurate. 

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 2024-05-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MRS BPO, LLC (IN)

I want to formally write a complaint against this company about the alleged debt as I believe they have violated the FDCPA. I never made a transaction with this company and I don't know about this debt that they are tryng to collect from me. I have previously requested for a debt validation documents but I have yet to recieve a proper response from them so I want to take this to your attention and please investigate because I honestly unaware of such debts. This company has an account number listed on my report as the following :
Consumer complaint received 2024-01-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I sincerely urge you to remove this item from my credit report as it's not associated with me and is completely fraudulent. I kindly ask that you swiftly investigate and correct this inaccuracy on my credit history.
Consumer complaint received 2024-01-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have no public records associated with my credit report. I find this situation unacceptable. I urgently request that you rectify this and remove these entries from my report. The situation is causing me significant XXXX  and distress
Consumer complaint received 2023-05-02
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. (NC)

This is my 4th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, M, XXXX, XXXX, XXXX XXXX XXXX XXXX, NC XXXX, XXXX  XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX XXXX Balance : {$19000.00}, XXXX XXXX XXXX Balance XXXX {$3400.00}, XXXX XXXX XXXX Balance : {$1100.00}, XXXX XXXX : {$0.00}, XXXX  XXXX XXXX Balance : {$740.00}, XXXX, XXXX  XXXX Balance : {$200.00}, XXXX XXXX XXXX Balance : {$1000.00}, XXXX XXXX Balance : {$820.00}, XXXX XX/XX/2021
Consumer complaint received 2024-01-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I respectfully request that you eliminate this erroneous account from my credit report, as it's not associated with me, and I never gave consent for its creation. I've attached the required documentation to validate my stance.
Consumer complaint received 2024-05-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

This is one of my multiple attempts to notify credit bureaus that I am a victim of identity theft and that I want to query certain records in my documents that resulted from the crime. The documents I'm looking at have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-02
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)

I am writing once again to dispute the account appearing on my credit report. As I mentioned previously, I have been a victim of identity theft, resulting in several fraudulent account being opened in my name without my knowledge. While the bank has acknowledged this account as fraudulent and agreed to remove it from my credit report after I submitted the required FTC report, I have noticed that your bureau continues to report them, despite their approval. It is important to note that as a credit bureau, you are legally obligated to ensure the accuracy and timeliness of your records. By failing to remove this fraudulent account, you are not fulfilling this obligation and are exposing me to further harm. 

XXXX XXXX
Consumer complaint received 2023-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

XX/XX/XXXX I have disputed information on my credit report that I have not provided to any Credit reporting agency. When I disputed this information on my credit report to TransUnion, XXXX, I was told by both agencies that their information is accurate and was validated by the Federal Bankruptcy Court house XXXX XXXX Utah provided them with my personal information and I would need to contact the courts. Which I so happened to do so and received a letter stating no such information was given. TransUnion, XXXX both lied. This information was added to my Credit Report without my Knowledge or Consent! in my letter I'm directed to contact the Attorney General, FTC. I request that TransUnion, XXXX either provide documents they have legal rights to add this to my credit report or delete this file. Federal Privacy Act of 1974 - 5 U.S. Code section 552a. 617. Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] you need to remove the follow accounts : XXXX XXXX XXXX XXXX Account number XXXX Account type Unsecured Date opened XX/XX/XXXX Status Petition for XXXX  XXXX Bankruptcy. 
Status updated XX/XX/XXXX XXXX  XXXX bankruptcy petition Date filed XX/XX/XXXX Date resolved - Responsibility Individual Reference number XXXX Reinvestigation information This item remained unchanged from our processing of your dispute in XXXX XXXX. 
On record until XX/XX/XXXX XXXX  XXXX bankruptcy dismissed Date filed XX/XX/XXXX Date resolved XX/XX/XXXX Responsibility Joint Reference number XXXX Reinvestigation information This item remained unchanged from our processing of your dispute in XXXX XXXX. 
On record until XX/XX/XXXX XXXX  XXXX bankruptcy dismissed Date filed XX/XX/XXXX Date resolved XX/XX/XXXX Responsibility Joint Reference number XXXX Reinvestigation information This item remained unchanged from our processing of your dispute in XXXX XXXX. 
On record until XX/XX/XXXX XXXX  XXXX bankruptcy dismissed Date filed XX/XX/XXXX Date resolved XX/XX/XXXX Responsibility Joint Reference number XXXX Reinvestigation information This item remained unchanged from our processing of your dispute in XXXX XXXX. 
On record until XXXX XXXX Further, Under FCRA 609. Disclosures to consumers [ 15 U.S.C. 1681g ], ( a ) Information on file ; sources ; report recipients. Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer : ( 2 ) The sources of the information.
Consumer complaint received 2023-08-31
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. (CA)

I pulled my consumer report from XXXX i found so many errors, inaccuracies, and incomplete information. I am also requesting that my full complete file disclosure after your reinvestigation of these inaccuracies and incomplete information being furnished. 

These are the accounts with errors i will upload a letter stating the errors, the incomplete, and the inaccuracies being furnished 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 XXXXXXXX
Consumer complaint received 2024-05-02
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. (GA)

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that was opened without my knowledge, consent, or authority within XXXX business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

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 2024-01-12
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. (MD)

I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, XXXX and Transunion data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-10-05
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)

When I investigated my credit report, I realized that some of the information was erroneous. XXXX and TransUnion are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX Balance : {$310.00} XX/XX/XXXXXXXX Balance : {$17000.00}XX/XX/XXXXXXXX Balance : {$310.00} XX/XX/XXXXXXXX Balance : {$17000.00}
Consumer complaint received 2024-06-10
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. (FL)

In accordance with the fair credit reporting act, the list of accounts bellow has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 The account bellow have violate my rights. 
15 U.S.C 1681 section 602A. States I have the right to privacy 15 U.S.C 1681 section 604 A section 2 : it also state consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 168C. ( 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 conviction of crimes which antedates the report by more than eight years 15 U.S.C 1681s-2 ( A ) ( a ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the parson knows or has reasonable cause to believe that the information is inaccurate Delete the account bellow : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2024-05-02
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. (FL)

I hope this message finds you well. I am writing to bring to your attention a critical issue regarding my credit file. 

Upon reviewing my credit report, I have discovered several items that appear to be fraudulent. These entries are inaccurate and do not reflect any legitimate financial activity on my part. It is evident that my identity has been compromised, leading to these unauthorized entries on my credit file. 

I am deeply concerned about the potential implications of these fraudulent items on my creditworthiness and financial reputation. Therefore, I urgently request your assistance in promptly removing these fraudulent entries from my credit file. 

Additionally, I would appreciate any guidance or support you can offer to help me navigate this challenging situation and protect my financial interests. With this, I am asking for your assistance to remove fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1600.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX Balance : {$1600.00} ; XXXX XXXX XXXX XXXX Balance : {$570.00} ; 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 Balance : {$570.00} ; XXXX XXXX
Consumer complaint received 2024-01-12
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)

Attached is a complaint with the XXXX XXXX XXXX illustrating the company " XXXX XXXX XXXX '' aka XXXX XXXX  ( XXXX ) admitting to several counts of fraud including illegally using my information to open a credit account and sending my personal information to third party affiliates. This complaint is being filed in a string of complaints to " TRANSUNION '' and " XXXX '' for inadequate investigating processes which have concluded this fraud account as " VERIFIED ''. All parties are in violation of : 15 U.S. Code 1681b ( a ) ( 2 ) CRAs need written instruction to make a consumer report by the consumer. Without written instruction this consumer reporting agency has committed fraud by using my identifying information without any lawful authority to furnish this information on my consumer report. Per this law XXXX has committed identity theft and it is a violation of 15 U.S. Code 1681b ( a ) ( 2, based on this violation all accounts listed below must be DELETED.
Consumer complaint received 2024-05-02
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 requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of accounts : XXXX XXXX Balance Owed : {$250000.00} XXXX XXXX XXXX XXXXBalance Owed : {$590.00}
Consumer complaint received 2023-04-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (CA)

These are not companies I signed up for yet they're giving missed payments that I was not recognized for please remover any missed chargers or collections from these 3 companies I did not sign up for. Thank you! 

XXXX ) XXXX XXXX XXXX, XXXX ) XXXX XXXXXXXX XXXX XXXX XXXX Original creditor, XXXX ) XXXX XXXX XXXX
Consumer complaint received 2024-01-12
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. (IN)

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established this account. I have no knowledge of obtaining any of the accounts listed here. Please remove this account and send me an updated copy of my report after the investigation.
Consumer complaint received 2024-05-02
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 submitting another complaint as a follow up still regarding several unresolved issues that demand immediate attention. According to FCRA section 605, it is imperative to remove any items listed on FTC REPORT # XXXX. Previously, I have provided these items in a prior correspondence, and I am reiterating them here alongside my new FTC report # XXXX. I have apprised my legal counsel of my intentions, and they are prepared to pursue accountability should there be willful noncompliance : 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 XXXXTRANSUNION : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please note that you have a four-business-day window to remove the reporting of any fraudulent items from my credit file. I do not consent to XXXX or any form of automated verification. Your swift attention to this matter and a response within four business days would be highly appreciated.
Consumer complaint received 2020-07-23
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 — Problem with personal statement of dispute
Company: Radius Global Solutions LLC (AL)

UNPON MY REVIEW OF MT CREDIT REPORT I SAW ACCOUNTS THAT WERNT MINE AND DUE TO ID THEFT I REPORTED THESE ACCOUNTS, BUT THE COMPANIES REFUSED TO REMOVE THE ACCOUNTS. I'D LIKE TO REPORT THE CREDITORS AS NEGLIGENT AFTER BROUGHT TO THIER ATTENTION THEASE ACCOUNTS ARE STILL INACCURATE
Consumer complaint received 2024-01-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

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 2024-01-12
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)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-06-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (OH)

THE FOLLOWING ACCOUNTS ARE AN ERROR XXXX, XXXX MISSING INFORMATION. THIS ACCOUNT WAS NEVER VERIFIED ERROR FRCA 623 VIOLATION PLEASE DELETE UNRECOGNIZED ACCOUNT.S : XXXX XXXX XXXXXXXX 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