davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

XXXX I am writing to inform you that there is 100 % improper use of the credit report. Attached to the XXXX! TRANSUNION, XXXX, and XXXX HAVE 1000 % VIOLATED THE FCRA, AND XXXX HIGHLY XXXX ABOUT THIS. I looked over the credit report and found some addresses that appear incorrect. Not only did I find addresses, but I ALSO FOUND TONS OF INACCURATE INFORMATION ON THE CREDIT REPORT. INCLUDING ACCOUNTS THAT I NEVER GAVE YOU WRITTEN PERMISSION TO ADD ON ANY INFORMATION TO THE CREDIT REPORT! As instructed on your website, I've enclosed documentation providing proof of my current address, social security card, id passport, driver 's license, and insurance card. 
This is the final step BEFORE TAKING THIS INACCURATE, FRAUDULENT ACTIVITY IN FRONT OF A JUDGE. Under the FCRA, ONLY CORRECT INFORMATION SHALL BE ADDED TO A CONSUMERS CREDIT REPORT, and the information on the TRANSUNION, XXXX, and XXXX credit report isn't accurate AND ITS COMPLETE XXXX. I've spoken to a lawyer, and he told me that I COULD EASILY take THIS to court AND FINE TRANSUNION, XXXX, and XXXX {$1000.00} PER VIOLATION ( and there are many violations ). I DEMAND YOU, TRANSUNIOXXXX, XXXX, and XXXX, TO REMOVE ALL OF THESE FRAUDULENT INCORRECT ACCOUNTS FROM THIS CREDIT REPORT WITHIN 24 HOURS OF RECEIVING THIS LETTER. YES, I WANT THE ENTIRE ACCOUNT FULLY WHIPPED OFF THE CREDIT REPORT WITH NO FRAUD REMARKS OR DISPUTE COMMENTS REMARKS LEFT ON THE CREDIT REPORT. 

Account name : XXXX XXXX Account # XXXX {$490.00} XXXX XXXX XXXX Account # XXXX 

Municipal Account # XXXXXXXX XXXX XXXX XXXX XXXX Account # XXXX {$1300.00} XXXX Account # XXXX {$6800.00} XXXX XXXX XXXX Account # XXXX Account has been closed at Grantors request all without my written consent. 
Account has been previously in dispute- Investigation complete, reported by data furnisher. 




IF THESE FRAUDULENT, INACCURATE ACCOUNTS DO NOT COME OFF THE CREDIT REPORT WITHIN 24 HOURS. THE LAWYER HANDLING THIS MATTER SAID HE WILL BE TAKING MASSIVE LEGAL ACTION AGAINST THE FOLLOWING CORPORATIONS FOR LETTING THIS HAPPEN : POTENTIAL LAWSUITS LIST : XXXX, XXXX, and TRANSUNION TO MAKE THE DELETION PROCESS EASIER FOR YOU, ATTACHED IS A LIST OF THE INACCURATE ACCOUNTS THAT NEED TO BE TAKEN OFF THE CREDIT REPORT ASAP. AND FRAUDULENTLY REPORTED INQUIRIES THAT NEED TO BE TAKEN OFF ASAP. 
15 USC 1681C-2 STATES I HAVE THE RIGHT TO PRIVACY AND A BLOCK OF INFORMATION. AND I NEVER GAVE ANY COMPANY WRITTEN CONSENT TO ADD THIS INFORMATION TO MY CREDIT REPORT! DELETE IT IMMEDIATELY! 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 : Also, States A Consumer Reporting Agency Can not Furnish A AccountWithout My Written Instructions!! 
DELETE THIS ACCOUNT IMMEDIATELY FROM THE CREDIT REPORT UNLESS YOU WANT TO BE HELD FOR {$1000.00} PER VIOLATION!!! 


( needed To be Removed improper use of the credit report )
Consumer complaint received 2021-10-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PR)

I have two accounts that come out on my XXXX XXXX credit that I do not recognize. 
The first is with the account number XXXX ** and which was opened on XX/XX/XXXX and has a balance of {$19000.00} The second account has an account number XXXX ** and it was opened on XX/XX/XXXX with a balance of {$9300.00}. 

My concern is that both accounts are not ias and are reported on the credit that they are.
Consumer complaint received 2024-05-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

I wish to underscore that the inclusion of inaccurately reported late payment remarks on my accounts not only raises significant concerns but also represents a blatant violation of the regulations delineated in the 15 USC 1666. This statute, an integral component of the Fair Credit Billing Act, specifically aims to safeguard consumers against unjust billing practices and mandates the accurate reporting of payment histories. Each payment associated with these accounts has been diligently and promptly rendered within the specified timeframes. Therefore, any deviation from this precise reporting not only undermines my financial integrity but also contravenes the legal protections enshrined within this statute. It is imperative to promptly rectify this situation to ensure compliance with the law and uphold the rights of consumers.
Consumer complaint received 2024-06-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am deeply troubled by the presence of this late payment on my account, given my consistent track record of making payments on time. This discrepancy is causing me significant distress, and I implore you to promptly correct this error by removing it from my account.
Consumer complaint received 2024-06-01
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)

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 2024-06-01
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. (MA)

I am writing to bring to your attention a concerning issue regarding XXXXXXXX XXXX XXXX  sharing of personal information with third-party companies. I have recently become aware that XXXX XXXX  has been sharing my personal information with third-party companies without my consent, which is a violation of my privacy rights. 

Furthermore, I have filed complaints with the Federal Trade Commission ( FTC ) and the Federal Deposit Insurance Corporation ( FDIC ) regarding this matter. I have requested that XXXX XXXX  remove my account from my credit report and address the FDICPA violations that have occurred as a result of their actions. 

I urge the Consumer Financial Protection Bureau to investigate this matter and take appropriate action to ensure that XXXX XXXX  complies with all relevant laws and regulations. It is crucial that consumers ' personal information is protected and not shared with unauthorized third parties. 

I appreciate your attention to this matter and look forward to your prompt response. 

Sincerely,
Consumer complaint received 2024-05-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

Equifax has made XXXX changes to my report recently, most of which are remarks of no significance like " Credit Card. '' or " Closed Account. '' which can be easily ascertained from the report information. 

Additionally, many of my existing accounts were added as " new accounts '' and one account that is definitely not mine was added, indicating that I took on ~ {$300000.00} of additional debt : Between XX/XX/XXXX and XX/XX/XXXX, your mortgage with SERVICEMAC/GUARANTEE was added to your report. This account was opened on XX/XX/XXXX. 


Additionally, another new account that I am not familiar with was added : Between XX/XX/XXXX and XX/XX/XXXX, your account with AVANT was added to your report. This account was opened on XX/XX/XXXX. 

After the XXXX changes, my credit score was negatively impacted by XXXX points. All other bureaus did not have any similar changes and I have not had any derogatory credit events that would prompt all of this data changing. It is negligent and irresponsible handling of personal credit files to make bulk updates/merges of data such as this.
Consumer complaint received 2024-06-01
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 a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The Better Business Bureau, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2024-06-01
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (AZ)

I always pay my bills on time. I know this for sure. I dont understand why this company says I paid late in some months. According to USC 1666b, any billing mistake should be fixed and marked as paid on time.
Consumer complaint received 2024-05-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

I discovered 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 XXXX credit bureaus to validate these account ( A ). It is not permissible to fail to validate these reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance XXXX : {$3700.00} XXXX XXXX Balance Owed : {$2200.00}
Consumer complaint received 2024-05-31
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. (AZ)

To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.

Please investigate if every piece of information is correct. If not, please remove it from my credit report.

1. This Account is in violation of 15 U.S. code 1681A ( 4 ) for consumer right to privacy.This bankruptcy shouldnt be on my credit/consumer report. 
XXXX  XXXX BANKRUPTCY Case Number : XXXX Delete this account. 


2. there is some inaccurate information reporting XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 


3. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX  Account Number : XXXX Delete this account. 


4. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXX XXXX  XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


5. 15 U.S. CODE 1681I - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


XXXX there is some inaccurate information reporting XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


7. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX  Account Number : XXXX Delete this account. 


XXXX. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS CREDENCE RM Account Number : XXXX Please remove it from my credit report.
Consumer complaint received 2024-06-01
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. (SC)

XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX To : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Subject : Complaint Regarding Inaccurate Reporting by the Three Bureaus Dear CFPB, I am filing a formal complaint regarding the inaccurate reporting of two closed accounts on my TransUnion credit report XXXX The accounts in question are : Late payment reflecting on all three bureaus : XXXX  Acct # : XXXX Date Opened : XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX Acct # : XXXX Date Opened : XX/XX/XXXX I did not make any late payments in this institution. Please update it in my credit report. 

Collections/Charge-off due to Identity Theft : XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX Account # : XXXX Date Opened : XX/XX/XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account # XXXX XXXX Opened : XX/XX/XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX  XXXXXXXX XXXX XXXX XXXX ) Account # XXXX Date Opened : XX/XX/XXXX Inquiries due to Identity Theft : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX U

nder the FCRA, credit bureaus are obligated to take swift action upon receiving notice of inaccuracies due to identity theft. Non-compliance with these regulations may lead to significant penalties and legal repercussions.

I already filed an XXXX  Report, a police report, I called the bureaus, sent dispute letters, but still it is not removed from my report.

I hereby request a thorough investigation into these disputed items and prompt resolution of the inaccuracies. This entails removing all erroneous information, blocking any fraudulent accounts from reappearing on my credit report, and providing me with a revised credit report once the investigation is concluded.

I look forward to your prompt response and action to resolve this issue on my credit report. 
Sincerely, XXXX XXXX
Consumer complaint received 2024-05-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

FROM XX/XX/XXXX THROUGH XX/XX/XXXX I DISPUTED XXXX ACCOUNTS ( XXXX XXXX XXXX XXXX ACCOUNT # XXXX AND XXXX XXXX XXXX ACCOUNT # XXXX ) WITH XXXX XXXX TRANSUNION AND XXXX XXXX THOSE ITEMS WERE DELETED IN XX/XX/XXXX. IN XX/XX/XXXX THOSE XXXX ACCOUNTS WERE REINSTATED BY ALL XXXX CREDIT BUREAUS. I SPOKE TO THE AGENTS OF ALL XXXX BUREAUS AND REQUESTED INFORMATION FROM THE INVESTIGATION PER FCRA REGULATIONS SINCE THEY WERE VERIFIED AND NOT XXXX OF THE CREDIT BUREAUS COMPLETED THIS. IVE CONTACTED THE CREDITORS OF BOTH ACCOUNTS TO PROVIDE VALIDATION LETTERS OF THE DEBT AND THEY HAVE NOT COMPLETED THIS AS WELL. XXXX HAS DISPUTED THESE BOTH ACCOUNTS ONCE THEY WERE REINSTATED WITHOUT MY CONSENT ON XXXX OCCASIONS ( XX/XX/XXXX XX/XX/XXXX XXXX. AGENTS FROM TRANSUNION AND XXXX STATED THEY NEVER ATTACHED MY DOCUMENTS TO THE DISPUTES WHICH ADDED AN ADDITIONAL XXXX PLUS DAYS FOR INVESTIGATION. ATTACHED ARE THE LETTERS SENT TO CREDITORS AND CREDIT BUREAUS CERTIFIED MAIL FOR THE REMOVAL AND DELETION OF THESE ACCOUNTS THAT ARE REPORTING ILLEGALLY AND INCORRECTLY ON MY CREDIT REPORT PER ( FCRA ) FAIR CREDIT REPORTING AGENCY WHICH HAVE AFFECTED MY CREDIT SCORE AND PERSONAL LIFE TREMENDOUSLY.
Consumer complaint received 2023-09-12
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. (NV)

I have tried to resolve this serval time in mail and through this portal so now I will be doing a notice of claim before going to arbitration. They answer with generic response and not addressing the issue. This is emotional stressing me out and causing me to lose sleep.
Consumer complaint received 2023-06-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

The fact that I always make timely payments on this account is causing me a great deal of XXXX. I have never missed a payment and I am very diligent about it. I kindly request that you update my account immediately and rectify the inaccurate late payment entry. This situation is impacting my sleep and overall well-being, and I find it difficult to come to terms with it.
Consumer complaint received 2024-06-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Us15 title 1666b According to the United States Code, Title 15, Section 1666b, a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. I would really appreciate it, if I could get all my so call late payments remove from all three agencies. XXXX XXXX, and transition. 
I would like to thank you and advance for resolving this matter. 
XXXX XXXX. XXXX
Consumer complaint received 2024-06-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IN)

These accounts contain information that is both incomplete and inaccurate, thus violating my rights under the Fair Credit Reporting Act ( FCRA ). Specifically, FCRA Section 611 ( a ) ( 1 ) ( A ) stipulates that consumer reporting agencies must provide accurate and complete information in credit reports. Furthermore, FCRA Section 623 ( a ) ( 2 ) mandates that if a consumer disputes the completeness or accuracy of any information in their credit file, the consumer reporting agency must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate or incomplete.

In addition to FCRA violations, I refer to specific consumer laws that reinforce the importance of accurate credit reporting. Th
e Consumer Credit Reporting Reform Act of 1996 ( Public Law 104-208 ) and the Consumer Financial Protection Act of 2010 ( Public Law 111-203 ) both underscore the necessity for accurate and fair credit reporting practices. These laws were established to protect consumers from inaccurate information impacting their creditworthiness. 

Furthermore, the Fair and Accurate Credit Transactions Act of 2003 ( FACTA ) amended the FCRA to include provisions for the accurate reporting of consumer information and the removal of inaccurate information from credit reports. Under FACTA Section 312, consumers have the right to dispute inaccurate information on their credit reports and have it corrected or removed. 

The accounts on my credit report are inaccurate and incomplete : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX