davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-06
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. (FL)

Good evening, I am writing to the CFPB to write a formal complaint against TRANSUNION. 

I have tried to get them to help me and they refuse. I am a victim of Identity Theft and have had numerous fraudulent activities done to my account. 

From inquiries, to accounts, to collections and transunion does not want to help me. I have sent them paperwork which includes letters, proof of identity, FTC reports, Police XXXX and more. 

They always give me the runaround. Actually, today I got an email stating that the FTC report I sent in isn't a valid Government report when IT WAS REFERRED BY THE XXXX GOVERNMENT. 

Tracking number : XXXX Please have them pay a fine or reprimand them for their illegal activities. 

I will attach a PDF copy of the letter I sent them, the tracking information for that letter, the response they sent me and any supporting documents. 

Thank you!
Consumer complaint received 2023-04-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Agencies do not always update information on credit reports in a timely manner, which can lead to inaccuracies and inconsistencies on my report. I do not always have access to all of the information that is being reported on my credit report, making it difficult to identify and dispute errors or inaccuracies.
Consumer complaint received 2024-05-06
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)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Please remove these items. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, CA XXXX XXXX  XXXX Balance : {$0.00} XX/XX/XXXXXXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} XX/XX/XXXXXXXX XXXX  XX/XX/XXXX
Consumer complaint received 2024-01-21
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 was looking at my report and notice that were some things that was not correct. I sent a letter to Transunion on XX/XX/year> here is my tracking number XXXX. It has been more than 30 days since the credit bureaus have not responded. That is a violation 15 USC 1681i ( a ) ( 1 ) ( A ).

According to 15USC 1681e ( b ) it states this ( b ) accuracy of report. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

So then I ask them to provide a description of the investigation according to 15 USC 1681 i ( 7 ) ; ( 7 ) description of reinvestigation procedure. A consumer reporting agency shall provide a description referred to as paragraph ( 6 ) ( B ) ( iii ) no later than 15 days after receiving a request from the consumer regarding the description But they did not do that as well.

According to 15 USC 1681s-2 it states that A. ) Reporting information with actual knowledge of errors.

A person shall not furnish any information relating to a consumer. Any reporting information agency must have reasonable cause.

B ) Reporting information after a notice and confirmation of errors.

If the person has been notified by the consumers, that specific information is inaccurate.

This is unfair and if they are doing this to me can you imagine who else they are doing this to? Can you fix
Consumer complaint received 2023-08-21
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: EQUIFAX, INC. (TX)

I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.
Consumer complaint received 2024-05-06
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. (MD)

Hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew. Whos studying XXXX XXXXhelpmeoutby finding a way to check if my XXXX emails were involved in this breach? To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts it would mean a lot to me it you could assist in removing the following from my credit report, these are the accounts :
Consumer complaint received 2024-05-03
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. (GA)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, Transunion, XXXX, and XXXX.
Consumer complaint received 2024-01-21
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. (CA)

I have disputed this account with the CRA 's asking for validation of the debt and they have ignored my request and refused to validate the account as I requested, instead they are saying this account is being validated but not providing proof of validation. Please be advised that In accordance with the fair credit reporting Act this creditor has violated my rights under 15 USC 1681 section 6 0 2 states I have the rights to privacy ( 15 USC 1681 ( SECTION 6 0 4 A SECTION 2 ) it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 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. The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply with this Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
Consumer complaint received 2024-05-06
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. (NY)

If you continue to disregard my demands for compliant reporting practices, I will consider this letter as an official notice prior to my petition for a writ of review in civil court. As the injured consumer of your inadequate reporting practices, I contest your assumed reporting privileges for any and all of your challenged claims in this consumer complaint. I demand that you demonstrate your compliance with state and federal reporting mandates, including the FCBA, FCRA, ECOA, and any applicable laws in my state. I am concerned that your claims may not adhere to industry standards for legal and ethical reporting, particularly in relation to the Metro 2 Data-filled Field Formatted Reporting Standards, per XXXX. 

Upon reviewing my personal consumer credit report, I have noticed questionable and/or inadequately reported data in my file at your company 's office. I am confused as to how and why this information has been populated or repopulated into my credit report profile, and whether or not I received the required XXXX notice of its return to reporting. Per the FCRA, any item previously removed can not be reinserted into a consumer 's credit report without written notice to the injured consumer within XXXX business days. I have not received such notice, nor have I received any evidence of the accuracy and completeness of your reported claims. Your failure to remove these claims is a violation of my consumer rights and is unjust. 

Listed below are the Personal Information that are being challenged Incorrect DOB : XXXX XXXX  Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Your agency is in breach of the law! According to 15 U.S.C. 1681 section 602 A, I am entitled to privacy. Furthermore, 15 U.S.C. 1681 Section 604 A Section 2 specifies that a consumer reporting agency may not provide an account without my explicit written permission. Additionally, 15 U.S.C. 1681c. ( a ) ( 5 ) states that no consumer reporting agency is permitted to include any adverse information in a consumer report if the event occurred more than seven years ago, except for criminal convictions. Lastly, 15 U.S.C. 1681s-2 ( A ) ( 1 ) mandates that no person should provide information about a consumer to a consumer reporting agency if they know or suspect the information to be inaccurate.
Consumer complaint received 2024-01-05
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. (CA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not fumish any information relating to a consumer to any consumer reporting agency it the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-05-08
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)

Someone who probably has my information Applied to get credit card causing inquiries on my credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-06
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)

In accordance with the Fair Credit Reporting act : XXXX, XXXX XXXX, has violated my rights, XXXX U.S.C XXXX Section XXXX 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 an account without my written instructions.
Consumer complaint received 2024-05-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-05-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

Timely payments are a certainty for me. However, I find it puzzling why this company occasionally marks certain months as late, which doesn't align with my records. According to USC 1666b, any billing discrepancies should be promptly corrected and reflected accurately.
Consumer complaint received 2024-05-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I'm a victim of identity Theft. My information has been exposed in the XXXX data breach. The following inquiries are not affiliated with me nor are they authorized by me and I would like them to remove from any affiliation with me immediately. 
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 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 2023-12-31
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (FL)

Please refer to complaint XXXX As noted on complaint I state that the company has been sending erroneous information regarding a settlement made in court regarding an eviction proceeding. I place a complaint with the CFPB and the company asked me to verify my identity in order to move on my complaint. I was asked to upload my state ID of which I complied then the company responds to the CFPB that I did not in order to get the case closed.
Consumer complaint received 2024-05-06
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 am writing to provide an update on my ongoing efforts to remove fraudulent items from my credit report. Despite multiple attempts, these inaccuracies persist, and I am seeking further assistance to resolve this matter. 

I have submitted disputes, provided extensive documentation, and engaged with creditors and credit reporting agencies to rectify this issue. However, to my dismay, the fraudulent items remain on my credit report, negatively impacting my creditworthiness and financial standing. 

Furthermore, I request transparent communication throughout the resolution process and regular updates on the progress of the investigation. Restoring confidence in the accuracy and reliability of information reported on credit reports is essential. With this, I am asking for your assistance to remove these fraud items in my credit file : Chapter XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; Chapter XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; Chapter XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX  XX/XX/XXXX.
Consumer complaint received 2023-05-02
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

The purpose of this complaint was to bring to your attention the fact that Bank of America has been behaving inappropriately toward me as their customer. It was made clear that I was the victim of fraud, which resulted in me losing a large amount of my hard earned savings in the amount of XXXXXXXX XXXX 

The main reason I continue to insist on due process in my case is because I understand that Bank of America has not and is not taking adequate steps to protect its customers from financial loss and to recover their losses. The only thing they do in fraud cases is to deliberately exploit a gap in current regulations in order not to admit their mistakes and negligence, which cost their customers a lot of money.
Consumer complaint received 2024-05-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

FCRA 605B mandates the elimination of any erroneous entries from my credit dossier. Could you kindly review the records? Certain entries therein are flawed in terms of their reporting accuracy. Compensation of {$1000.00} per each misreported item on my credit record is expected.
Consumer complaint received 2024-01-21
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. (GA)

TRANSUNION XXXX and XXXX are reporting a account by the name of XXXX XXXX XXXX per the FCRA and CFR as a federally protected consumer I am opting out of the utilization being reported for this account as a federally protected consumer I am opting out of any and all authorization I the consumer may have given these corporations to report the utilization for this account whether it be written unwritten verbal and non verbal per 2 CFR 910.364 - Reporting on utilization of subject inventions states unless otherwise instructed utilization can be reported to my consumer report I am now herby instructing TRANSUNION XXXX XXXX and XXXX XXXXXXXX XXXX that I do not consent for utilization to be reported for this account related to XXXX XXXX XXXX on my consumer report 2 CFR 910.364 - Reporting on utilization of subject inventions also states the information supplied in a utilization report is privileged and confidential and that only the Government is allowed to be disclosed all the information included in a utilization report this includes all transaction history between I the consumer and XXXX XXXX XXXX. XXXX TRANSUNION and XXXX are not the Government they are credit agencies the utilization being reported is a violation of 2 CFR 910.364 - Reporting on utilization of subject inventions due to the fact XXXX XXXX XXXX disclosed the utilization report to non government agencies. This account is also being reported as charged off on my consumer report a charge off is considered a certificate of indebtedness which means it is income income is non public information and that non public information being reported on my report is a violation of my privacy rights under the privacy act of 1974. The account is also being reported inaccurately TRANSUNION shows the date the account was last active as XX/XX/XXXX while XXXX shows XXXX and XXXX shows XX/XX/XXXX this is a violation of 15usc 1681b reasonable procedures it is required by all consumer reporting agencies to report information which is fair and equitable to me the consumer in regards to accuracy and confidentiality. The reporting of this account is unfair and inequitable to I a federally protected consumer.
Consumer complaint received 2024-01-21
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. (GA)

I've noticed some accounts on my credit report that I don't recognize, and it seems like they might be due to identity theft because I never authorized them. I've raised this concern with you before, and I'm writing now to request that these accounts be removed from my report as soon as possible. Dealing with the stress of having these accounts on my report has been tough. They don't reflect my actual credit history or my financial responsibilities, and it's been challenging to cope with the impact.
Consumer complaint received 2024-05-06
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)

In accordance with the Fair Credit Reporting XXXX, XXXX CARD, 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 an account without my written instructions.
Consumer complaint received 2024-05-06
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. (PA)

I was not aware of a collection on my reports and I sent a dispute to the consumer reporting agencies in order to get this information removed as I was not properly notified of said account. I sent the notice back in XXXX and I havent gotten any investigation results. The FCRA says that at maximum they have 45 days to conduct an investigation, however its been over 45 days since I sent my dispute