davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Subject : Formal Complaint to TransUnion Regarding Inaccurate Reporting of Possible Finance on Credit Report : I am writing to file a formal complaint against TransUnion regarding the inaccurate reporting of Possible Finance on my credit report. I have discovered that the Payment History for this account does not show any late payments, yet the account is being reported as 30 days late. This discrepancy is a clear violation of the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
According to the information provided on my credit report, the Possible Finance account is inaccurately reflecting a status of 30 days late. However, there is no derogatory payment history to support this claim. As per the regulations outlined in the FCRA and TILA, an account can not be reported as 30 days late without any substantiated evidence of such a late payment.

This erroneous reporting by TransUnion is not only damaging to my credit score but also constitutes a violation of my rights as a consumer under the FCRA and TILA. It is imperative that this inaccurate information be rectified immediately to ensure the integrity and accuracy of my credit report. 
Therefore, I am formally requesting that TransUnion take immediate action to delete the inaccurate reporting of Possible Finance from my credit report and rectify this error without delay. I expect full compliance with the FCRA and TILA regulations to ensure that my credit report reflects accurate and up-to-date information. 
I trust that TransUnion will investigate this matter promptly and take the necessary steps to resolve this issue in a timely manner. Failure to do so will result in further action being taken to protect my consumer rights.
Consumer complaint received 2023-12-02
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 file a XXXX report for ident theft due to information on my credit report which is in accurate and TransUnion is refusing to delete. Within a XXXX, transUnion responded with a response. Mind you XXXX XXXX up to this point can't provide any proof of the fictions address the gave to the XXXX reporting XXXX. TransUnion didn't require any proof From XXXX XXXX. Please see TransUnion response in the letter I am going to attach. I requested TransUnion to provide me with the Name, Date and time of the person who they spoke with to verify they debt, they still has not provide me with this information.
Consumer complaint received 2023-11-15
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. (IL)

EQUIFAX continues to report my balance with Student Loans at almost {$76000.00} stating that the US Department of Education continues to report the balance but the loan was paid off through Publix service loan forgiveness and I would like my EQUIFAX report or reflect that accordingly. Part of the problem is the wrong student loan. Servicer is listed on my report. My student loan servicer is no longer advantage. It is XXXX
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am greatly concerned about the inclusion of this late payment on my account, as my payment history has consistently been punctual. This situation is causing me considerable XXXX, and I implore you to correct this mistake by promptly removing it from my account.
Consumer complaint received 2024-06-02
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. (VA)

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 XXXX XXXX XXXX XXXX, 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 2023-12-01
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. (GA)

Back in XX/XX/2022 I began disputing inaccuracies on my report with XXXX. XXXX is furnishing inaccuracies from XXXX. One it is a violation of me ( the consumer ) to furnish private information to a public third party. XXXX is a 3rd party furnishing my private information. XXXX and XXXX have violated the following rights of mine 15 USC 6802 ( a ), 15 USC 1692a ( 2 ) and 15 USC 1602 ( I ). I sent a cease and deist to XXXX and they did not comply. XXXX is the furnishing. They are reporting late payments which is a violation and they failed to verify also some months have ND which means no data provided how can you furnish information if no data was provided by a company. Seems suspicious because the other bureaus are NOT furnishing the same information. XXXX is furnishing high balances which is a violation of the Gramm Leach Blilley Act meaning XXXX can not furnish transactions aka high balances. I know for a fact because I sent a cease and desist letter for an account violating the Gramm Leach Blilley Act and the account was removed because they knew they violated my right. XXXX is violating several FTC, FCRA and Privacy Protection laws. XXXX Transunion and XXXX are reporting different high balances which is a violation and means the account should be removed. I have proof that these inaccurate accounts were falsely investigated and updated
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. (PA)

Ive noticed unauthorized charges on my credit Report as I am a victim of fraud so someone had to apply for something in my name. I sent several dispute letters to XXXX, XXXX and TransUnion asking to have these inaccuracies removed. This has been a long process and I want them removed. All three companies continue to report these inaccuracies on my credit report and its hurting any chances of business opportunities. 
XXXX : Report Number XXXX And Ive uploaded photos from XXXX and Trans Union to show that these changes have not been made. They remain there on my credit report after numerous attempts and letters sent out asking for removal of these fraud charges
Consumer complaint received 2024-06-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I am bringing to your attention the fraudulent personal information tied to my identity. Certain accounts and transactions have been wrongly associated with me, causing significant XXXX. I've been a victim of identity theft and have taken swift action by reporting the incident. Addressing this promptly is crucial, as it's adversely affecting both my financial XXXX and XXXX XXXX. I kindly request your cooperation in promptly removing all fraudulent information from my credit report and conducting a thorough investigation. I'm prepared to provide necessary evidence and, if needed, pursue legal action to protect my rights and seek compensation. Your prompt attention to this matter is sincerely appreciated.
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: EQUIFAX, INC. (FL)

The following items continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). I will bring legal action against you if you do not verify these items. To help this situation be settled as quickly as possible, kindly uphold the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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. (NJ)

XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, NJ XXXX XX/XX/XXXX S.S # XXXX XX/XX/XXXX To whom this may concern : It my great pleasure I want to inform you that You violated my right as a consumer! Please be advised that banking system is dependent on fair an accurate reporting Only! When you report inaccurate and unfair credit reporting information, it undermines the public confidence pursuant to 15 USC 1681 ( 1 ). The FCRA was put into place to protect consumer like myself, and other privacy and you will uphold the law!!! Or you will be liable to pay me {$1000.00} pursuant to 15 USC 1681n civil liability for non compliances. Please be advised that YOU have assumed a vital role in evaluating my Credit report, you have also make sure that you respect my right to privacy! Since I reserve the right to privacy you shall not report ant transactions or experience between myself and the person making the report at all. The only way communication amongst other with common ownership it must be clearly and XXXX disclosed to me. You're reporting information on without no proof or investigation prior to these items being reported on my credit report. In addition, please reinvestigate the following items : 15 U.S.C 1681a ( 2 ) ( i ) -Definition ; Rules of Construction Account Name XX/XX/XXXX Account XXXX Account Name : XX/XX/XXXXXX/XX/XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number # XXXX Please re- investigate the accounts and remove them from my consumer report. There are multiple violations under the Fair Credit Reporting act .... I have attached the letter with the account names and account numbers with each violation, which enclosed my DL to identify myself. *** IN ADDITIONAL, I DO NOT CONSENT TO E-OSCAR VERIFICATION*** Sincerely, XXXX XXXX
Consumer complaint received 2023-12-01
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. (IN)

I hope this letter finds you well. I am reaching out to challenge an inconsistency found under the " XXXX XXXX '' section in my credit report. This relates specifically to the account listed below which has been categorized as charged off : XXXX XXXX XXXX : XXXX is showing my last payment date was XX/XX/XXXX and I've never been XX/XX/XXXX days late if that's true then why did my car get reposssesed because of late payments? 

XXXX XXXX XXXX : XXXX is showing my last payment date was XX/XX/XXXX and I've never been XX/XX/XXXX days late if that's true then why is this charged off as bad debt still on here? 

Upon thorough review of my credit report, I noticed that this charged-off account is persistently reported as maintaining an active XXXX payment history. This is not accurate and consequently, in violation of the Fair Credit Reporting Act ( FCRA ), as it erroneously influences the statute of limitations. 

Under the stipulations of the FCRA, the Fair Debt Collection Practices Act ( FDCPA ), and XXXX XXXX compliance guidelines, I am entitled as a consumer to have accurate representation of all details in my credit report. With these consumer protection laws in mind, I respectfully request that you rectify this mistake by deleting the incorrect data from my credit report. Following the completion of this, kindly supply me with an updated version of my credit report that reflects the required corrections. 

As a consumer, it is my right to have access to precise and current information on my credit report. I anticipate all credit reporting agencies to uphold this obligation, in alignment with the FCRA and other applicable XXXX XXXX Laws. 

In light of this apparent oversight, I implore you to immediately expunge this inaccurate information from my credit report. Upon completion of this correction, please provide an updated version of my credit report for my review. 

I appreciate your prompt attention to this crucial matter.
Consumer complaint received 2024-06-01
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. (TX)

I want to be absolutely clear : I did not approve these transactions to be in my consumer report, neither in writing nor verbally. So, I formally ask to block and remove them from my record. This isn't a mistake, nor is it based on any misrepresentation. These transactions were included without my clear consent or instruction. I'm stressing this to show how serious my request is. It's based on accurate info, and I'm not trying to deceive or manipulate the situation.
Consumer complaint received 2023-12-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

Subject : Complaint Against TRANSUNION INTERMEDIATE HOLDINGS, INC. for FCRA Violation Dear Consumer Financial Protection Bureau, I am filing a complaint against TRANSUNION INTERMEDIATE HOLDINGS, INC. for violating my consumer rights under 15 U.S.C. 1681i ( 5 ) ( B ) ( iii ) by reinserting a previously deleted account without providing the required notice. 

On XX/XX/23, I successfully removed an account through dispute, but TRANSUNION INTERMEDIATE HOLDINGS, INC. has reinserted it without the mandated notice. I am seeking your assistance in ensuring their compliance with the Fair Credit Reporting Act. Enclosed are documents supporting the previous deletion and evidence of the unauthorized reinsertion. Your prompt attention to this matter is appreciated.
Consumer complaint received 2023-12-01
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. (NV)

I have repeatedly emphasized the urgency of this matter. I am fully prepared to take decisive action. Given the lack of progress or any positive developments, I am left with no alternative but to escalate this case to arbitration. Despite my previous efforts to address this dispute, no resolution has been reached. The entire extent of my grievances remains unresolved. The investigation, which was supposed to be completed within 30 days according to the law, actually took 60 days. This delay is unacceptable, as anything beyond the mandated timeframe necessitates removal. I have already reached out to the XXXX XXXX XXXX, indicating my readiness to pursue arbitration against all relevant parties for the damages incurred.. Regrettably, I am unable to relocate due to the companies ' unlawful reporting of consumer credit transactions, which flagrantly violate my consumer rights, privacy, and consumer law. I am actively engaging with the state legislator regarding this issue. Despite my attempts to resolve the matter with all three credit reporting agencies, who continue to report these illegal consumer credit transactions, I am left with no choice but to initiate arbitration proceedings to seek compensation for the damages inflicted. I am seeking {$25000.00} for each damage caused to ensure the safety and well-being of myself and my children. The distressing nature of this situation has compelled me to seek counseling and various forms of assistance. It is imperative that these erroneous late payments be expeditiously removed from my records. 
These account are reporting fraud does not belong to me.
Consumer complaint received 2023-12-01
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY (OR)

XXXX, This loan was taken out as a 0 % interested for a XXXX XXXX XXXXl. We met the requirements, paying off the loan in time. The firm in question will not close the account. Calls to customer service get placed on hold, transferred to inept people who hang up. Or just disconnect. Their misleading website provides no means to close the account. Emails to their customer support results in a reference number sent back but no follow up actions. This account remains as open and active on my credit although we've not used it and have had a XXXX balance since 2019! 

I believe this firm acts in bad faith, avoid responding to customer inquiries and requests, and would submit that they should be banned from doing business. 

This is marketed as TD Retail / XXXX XXXXXXXX XXXX.
Consumer complaint received 2024-06-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Dear Consumer Financial Protection Bureau, I am writing to bring to your attention the inaccuracies present in my credit report across the XXXX major reporting agencies- TransUnion, XXXX, and XXXX. The Fair Credit Reporting Act ( 15 USC 1681 ) explicitly states that information can not be reported without my consent. It is the policy of Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and protect the security of their non-public personal information. 

In my credit report, I have identified discrepancies concerning an account with XXXX TransUnion reports the account as being opened on XX/XX/year>, while XXXX and XXXX report different open dates- XX/XX/year>. This inconsistency is both inaccurate and detrimental to my credit profile. I request the immediate removal of this item from my credit report. 

Furthermore, TransUnion and XXXX report a credit limit of {$300.00} for this account, whereas XXXX reports the credit limit as {$0.00}. These discrepancies in credit limit information across the reporting agencies further compound the inaccuracies in my report. 

The laws 15 USC 1681n and 15 USC 1681o are vital in defending my claims. These provisions outline the civil liabilities for willful and negligent noncompliance with the Fair Credit Reporting Act, emphasizing the importance of accurate reporting by the credit reporting agencies. The continued reporting of inaccurate information despite my dispute suggests willful noncompliance ( 15 USC 1681n ) and/or negligent noncompliance ( 15 USC 1681o ).

Additionally, 16 CFR 313 and 16 CFR 313.7 are pertinent to my claims. These regulations pertain to the privacy of consumer financial information and mandate accurate reporting to ensure consumer privacy rights are upheld. Reporting inaccurate information without my consent infringes upon my privacy rights, and these regulations mandate the protection and accuracy of such information. 

It is also noteworthy that while TransUnion and XXXX report this account with a high credit limit of {$250.00}, XXXX inaccurately reports the credit limit as {$300.00}. This disparity in reporting further emphasizes the urgent need for correction.
Consumer complaint received 2024-06-02
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. (FL)

In accordance with the Fair Credit Reporting act XXXX Account # 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
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

on XX/XX/23 a letter was sent to transunion disputing some incorrect personal that is currently reporting on my report. I have yet to receive any correspondence letting me know that my request was even processed.
Consumer complaint received 2023-12-01
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. (TX)

In accordance with the fair Credit reporting act ( XXXX XXXX Account # XXXX ) ( XXXX  XXXX  # XXXX ) ( XXXX XXXX # XXXX ) ( XXXX XXXX # XXXX ) has violated my rights! Also i was never late on any of these accounts ( XXXX XXXX XXXX XXXX Account # XXXX ) and feel my rights are being taken advantage of 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!

In addition the law states : 15 U.S. Code 1681i ( A ) - Procedure in case of disputed accuracy ( A ) -If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ;
Consumer complaint received 2023-12-01
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 contacted the CFPB. Complaint XXXX XXXX 

XXXX never provided documentation. For the accounts on my credit report. 

Verification of my accounts needs to be provided or removed from my credit report