davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-09
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. (TX)

PLEASE BLOCKED AND REMOVED. 
I strongly urge you to address and rectify the unauthorized accounts that have surfaced on my credit report. Despite my lack of association with these entries, they are adversely affecting my creditworthiness. I request their prompt removal and measures to prevent similar errors in the future.
Consumer complaint received 2024-05-09
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. (GA)

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 2024-05-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am writing to file a formal complaint against TransUnion regarding their failure to investigate disputed items on my credit report despite multiple requests. On XX/XX/2023, and XX/XX/2023, I mailed dispute letters to TransUnion, requesting a thorough investigation into inaccuracies present on my credit report. However, to date, TransUnion has disregarded my requests for investigation. 

I received a response back from TransUnion dated XX/XX/2023 and XX/XX/2023 stating the following : We recently received a request that included your information, but it didn't appear that you or a properly authorized third party sent it to us. We take the privacy and security of your data very seriously, so we won't process requests unless they come directly from you or an authorized third party. According to the FCRA, if the completeness or accuracy of any item of information in a consumer 's file at a credit bureau is disputed by the consumer, the bureau must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. 

In my dispute letters, I provided all necessary documentation to assist TransUnion in verifying my identity and address. I included a copy of my photo ID, social security card, and a recent bill displaying my current address. Despite this, TransUnion has not taken any action to rectify the inaccuracies on my credit report. 

This neglect on TransUnion 's part is deeply concerning as it directly impacts my financial well-being. I have taken every necessary step to ensure that TransUnion has the information needed to verify my identity and address, yet they have failed to fulfill their obligation to investigate and correct the disputed items. 

It appears that TransUnion has violated my consumer rights by not conducting a reasonable investigation upon receipt of my dispute, which they are required to do in accordance with the Fair Credit Reporting Act. 

Enclosed with this letter are copies of the dispute letters I previously sent to TransUnion, as well as the documentation proving my identity and address. I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that TransUnion fulfills its obligations under the law.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am writing to dispute and request the immediate removal of fraudulent inquiry from my credit report. Upon reviewing my credit report, I have discovered several inquiry that is not authorized by me. This inquiry is damaging my credit standing and have the potential to cause significant harm to my financial reputation. I have already submitted a report to the Federal Trade Commission ( FTC ) regarding this fraudulent inquiry and have enclosed a copy for your reference. Despite this, this inquiry is still being reported by your bureau. This is a violation of my rights under the Fair Credit Reporting Act ( FCRA ), and I demand that this inquiry be removed immediately. 

XXXXXXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX
Consumer complaint received 2024-05-09
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. (CA)

I need to inform you I was the victim of identity theft. I'm disputing the following accounts as they were opened without my knowledge, consent or authority. I contacted the companies and they said to file the FTC affidavit. Please dspute the following accounts. They were opened wihtout my knowlege, authority or consent. 

XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXXXXXX, XXXX XXXX  XXXX XXXX, XXXX - XXXX XXXX XXXX
Consumer complaint received 2023-12-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CCS Financial Services, Inc. (FL)

I sent a letter certified mail on XX/XX/2023 and requested a copy of the original contract with the original creditor with my original signature on it. I requested proof of the debt because this does not belong to me. I have never done business with the debt collection company. This is being illegally reported and if not removed I will file a civil lawsuit in the local XXXX county circuit court and require the debt collector to attend in person for a violation of the FCRA. I will also be filing a complaint with the XXXX as well as the FTC.
Consumer complaint received 2023-07-13
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NAVY FEDERAL CREDIT UNION (SC)

I have sent 3 letters to Navy Federal asking them to provide me with documentation required by law with my signature showing I had some contractual obligation to pay them this alleged debt for {$6700.00}, they are reporting to the Credit Bureaus. They have refused to respond. I am also filing a complaint with the XXXX  and my state attorney general XXXX XXXX because I have documented proof they have violated federal and state laws. I have asked for validation associated with this account, bearing my signature. In the absence of any such documentation, I am formally requesting that this information be deleted from my credit files immediately. 

On XX/XX/2023 at XXXX XXXX Navy Federal signed for my XXXX letter requesting within 30 days to validate the account or delete it. They did not respond or delete the information. 
On XX/XX/2023 at XXXX XXXX Navy FederaXXXX signed for my 2nd letter, informing them by not replying in a timely manner ( 30days ) to my initial letter dated XX/XX/2023, you have not only violated federal and state laws, but you have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. 
On XX/XX/2023 at XXXX XXXX. Navy Federal signed for my 3rd letter informing them they also did not mark the account as being " disputed '' required within 30 days under federal law.

FCRA 623 ( a ) ( 3 ) - Responsibilities of furnishers of information to consumer reporting agencies ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer.

( B ) Time of Notice ( B.I ) The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section 603 ( p ). 

As you have violated federal law, by not properly providing the credit bureaus with proper notice within the required timeframe, and I have evidence of such, via certified mail receipts, you must now remove the item.
Consumer complaint received 2023-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Experian Information Solutions Inc. (NY)

XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear, Experian Dear Sir/Madam, I am writing to dispute the following items on my credit report : XXXX XXXX XXXX Late Payment Account XXXX XXXX XXXX  XXXX Late Payment Account XXXX XXXX XXXX Late Payment Account XXXX XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX XXXXXXXX Charge Off Account XXXX XXXX XXXXXX/XX/XXXX Inquiry XXXX XXXX XXXX XXXXXX/XX/XXXX Inquiry XXXX XXXX Inquiry XXXX XXXX XXXX XXXX Inquiry I believe that these items are inaccurate and do not reflect my true credit history. As per the Fair Credit Reporting Act, all information reported on my credit report must be accurate and verifiable. However, the items listed above are either outdated, incorrect or do not belong to me. 



Regarding the late payment accounts, I would like to inform you that I have been a responsible borrower and have always paid my bills on time. Any late payments made were due to unforeseen circumstances and were not a result of my negligence or inability to pay. 



As for the charged off accounts, I dispute their validity as I have no record of any outstanding debt with these institutions. I request that you provide me with detailed information on these accounts, including the name of the creditor, the account number, and the amount owed. 



Furthermore, I request that you investigate the inquiries made by XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX. I do not have any business dealings with these institutions and I am concerned that my personal information may have been compromised. 



I kindly request that you remove these items from my credit report or provide me with evidence that proves their validity. I look forward to hearing back from you soon. 



Sincerely, XXXX XXXX
Consumer complaint received 2024-05-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am writing to file a formal complaint against TransUnion regarding their failure to address and investigate inaccuracies in my credit report, as well as their failure to provide a response to my dispute letter. On XXXX XXXX XXXX I mailed a dispute letter to TransUnion via USPS certified mail tracking number XXXX XXXX XXXX XXXX XXXX XXXX, requesting an investigation into several inaccurate items on my credit report. 

The items I disputed include accounts with XXXXXXXX XXXX ( Account Number : XXXX ), XXXX  XXXX ( Account Numbers : XXXX, XXXX ), and an incomplete public record : Court Name : U.S. Bankruptcy Court Reference Number : XXXX Additionally, I disputed incorrect personal information listed on my credit report. To assist TransUnion in verifying my identity and address, I enclosed a copy of my photo ID, social security card, and a recent bill with my current address. 

Despite mailing my dispute letter to TransUnion via certified mail and providing all necessary documentation to verify my identity and address, I did not receive a response back from TransUnion with the results of their investigation. It is evident that TransUnion has violated my consumer rights by failing to conduct a reasonable investigation upon receipt of my dispute, as required by the Fair Credit Reporting Act ( FCRA ). 

Under the FCRA, consumers have the right to dispute inaccurate information on their credit reports and expect prompt investigation and resolution from the credit reporting agencies. TransUnion 's failure to provide a response to my dispute and rectify the inaccuracies on my credit report demonstrates a clear violation of these rights. 

Therefore, I am requesting the CFPB to intervene in this matter, conduct a thorough investigation into TransUnion 's handling of my dispute, and take appropriate action to ensure compliance with the FCRA. I urge the CFPB to hold TransUnion accountable for their failure to investigate and correct the inaccuracies on my credit report, as well as their failure to provide a response to my dispute.
Consumer complaint received 2023-08-28
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. (NC)

In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX XXXX - ACCOUNT # XXXX, XXXX XXXX XXXX - ACCOUNT # XXXX, XXXX XXXX - ACCT # XXXX, XXXX XXXX XXXX ACCOUNT # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2024-01-08
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: Experian Information Solutions Inc. (FL)

On XX/XX/23 I sent a letter disputing inaccuracies on my credit report. I sent another one on XX/XX/23. Both times I either received no response or a postcard/letter saying that it looked like I was using a credit repair agency to help me, which I guess was there way of buying time by " responding. '' Since over 60 days has passed without any investigation into these accuracies, I DEMAND that, per the law, all of these negative accounts be removed from my credit report. I have also filed a report with the FTC and the XXXX. Please resolve this immediately. It is affecting my ability to get a car and costing me a lot of money in interest charges.
Consumer complaint received 2023-11-04
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. (IL)

In accordance with the Fair Credit Reporting act, account XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 U.S.C 1681 section 602 A. States that I have a right to privacy 15 U.S.C 1681 section 604 A. Section 2 : It also states that a consumer report agency can not furnish a account without my written instructions
Consumer complaint received 2023-08-19
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: Westlake Services, LLC (GA)

They company will disable my vehicle when there was a agreement on file then they came to repo my vehicle after the payment was paid doing the time of arrangement I gave them there money an they still repoed the car an had me pay more to get it back
Consumer complaint received 2023-07-13
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: NAVY FEDERAL CREDIT UNION (SC)

Please see the attached letter regarding the account that is not mine due to identity theft. I have filed all of the necessary forms including the FTC online form and affidavit. This is all equivalent to a police report as well. This is my second request to you to remove these fraudulent accounts from all three of the credit bureaus before I take legal action. Send the validation of these accounts as well with your response back to this complaint. I want the account name, account balance, past due amount, and date of last activity verified and provided to me as well.
Consumer complaint received 2024-04-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NV)

XX/XX/2024. I received an alert that a new collection account was placed on my credit report from XXXX XXXX XXXX ( Original creditor : XXXX XXXX ). XXXX XXXX was contacted Ive never attended that school so they the. Sent over a cancellation to XX/XX/XXXX. XXXX XXXX stated they sent over a notice of removal to the credit bureaus. It has not been received from the credit bureaus. This is not my account I am in process of purchasing a house and with these accounts on their that obviously dont belong to me is hinder my process. This is not fair I need this account removed immediately.
Consumer complaint received 2023-11-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (LA)

XXXX XXXX Equifax XXXX 15 U.S. Code 6803 states, a financial institution shall provide a clear and conspicuous disclosure to such consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, of such financial institutions policies and practices with respect to ( 1 ) disclosing nonpublic personal information to affiliates and nonaffiliated third parties, consistent with section 6802 of this title, including the categories of information that may be disclosed ; ( 2 ) disclosing nonpublic personal information of persons who have ceased to be customers of the financial institution; and ( 3 ) protecting the nonpublic personal information of consumers.

And I was not provided a clear and conspicuous disclosure in no form under regulations prescribed under section 6804 of this title financial institutions, policies, and practices with respect to the consumer
Consumer complaint received 2024-06-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (PA)

Remove all fraudulent and inaccurate account from my credit report.

Block any information resulting from identity theft, as required by FCRA.

I expect a prompt response and resolution to this matter. Failure to comply will leave me with no choice but to legal remedies available under the Fair Credit Reporting Act ( FCRA ).
Consumer complaint received 2024-04-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

The existence of this account has caused me significant XXXX, to the point where it is affecting my ability to sleep. I have provided all the necessary documentation to support its removal, and I earnestly implore you to take action and remove it from my credit report.
Consumer complaint received 2024-01-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

To whom it may concern ; Why do you continue to ignore my request to block outdated and unverifiable information?

I have already provided the required documentation to report that my Identity was compromised by XXXX XXXX XXXX here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter.

Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

The following items need to be removed and blocked as they are fraudulent.

1. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 3. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.

4. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report.

5. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report.

6. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Consumer complaint received 2024-01-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (SC)

In accordance with the Fair Credit reporting Act this creditor has violated my rights under 15 USC1681 section 6 o 2 states that I have the right to privacy ( 15 USC 1681 ) section 604 a section 2 ( it also states that a consumer reporting agency can not furnish an account without my written instructions under 15 USC 1666b a creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for any purpose. Yet my XXXX XXXX  and my Dept of Education accounts reports as late on Experian multiple times. XXXX, XXXX XXXX and XXXX XXXX show late payments but are closed accounts Please remove this incorrect information from my credit report