davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-07
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)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, CA XXXX To Whom It May Concern, I am writing to formally dispute XXXX hard inquiries listed on my credit report that were not initiated by me and are, therefore, fraudulent. The inquiries in question are as follows : XXXX. Inquiry by XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX. Inquiry by XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX I assure you that I did not authorize these inquiries nor do I have any association with either of these institutions. As such, I request that these inquiries be removed from my credit report immediately to prevent any adverse effects on my credit score. 

I have taken all necessary precautions to safeguard my personal information and have not engaged in any transactions or applications with the aforementioned banks during the mentioned time frames. Therefore, it is evident that these inquiries are the result of fraudulent activity. 

I kindly request that TransUnion conduct a thorough investigation into these unauthorized inquiries and provide me with a written confirmation of their removal from my credit report. Additionally, I urge TransUnion to implement heightened security measures to prevent such fraudulent activities from occurring in the future. 

Please find enclosed copies of my identification documents and any other supporting evidence necessary to assist in your investigation. Should you require any further information, please do not hesitate to contact me at the provided phone number or email address. 

Thank you for your prompt attention to this matter. I look forward to a swift resolution and the removal of these unauthorized inquiries from my credit report. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-04-17
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. (TN)

I am XXXX 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 three Bureaus, XXXX, Experian, and XXXX.
Consumer complaint received 2023-06-15
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. (OH)

I am currently in the process of purchasing a house and I can not due to Transunion and XXXX 's inaccurate and erroneous reporting of accounts on my credit file. I have been trying for over a year to get them to investigate these items and they don't conduct a proper investigation and provided proof they actually have investigated these items. If all three credit reporting agencies have access to the same information how can my reports each be different? XXXX seems to be the only credit reporting agency that seems to follow the FCRA and cares about accurate reporting. This is my last attempt before legal action is taken. 

Please see attached letter and provide all items requested. If all items can't be provided these items need to be deleted immediately.
Consumer complaint received 2024-05-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

FCRA 605B, if I'm not mistaken, requires us to remove any inaccurate accounts from my credit report. Could you please check the documents? Some of the listed accounts contain inaccuracies regarding reporting, including incorrect amounts and dates.
Consumer complaint received 2024-01-23
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 submitted documents for the bureaus to remove some fraudulent accounts from my credit report because i was a victim of identity theft. I got an email stating that they were not going to block the accounts because i wasnt the one making the complaint. Well if im not doing it then who is? They are required to block and remove fraudulent accounts.
Consumer complaint received 2024-01-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

please reverse all late payments with all my credit cards to be on time and paid as agreed. 
I was very sick with a XXXX XXXX XXXX. 

please forgive me for being late and in the future i promise to be on time
Consumer complaint received 2023-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

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. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or a list of inquiries : 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 furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-01-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (NC)

My Information was sold and bought illegally because I was a victim of the Equifax data Breach. I want these items Deleted from my credit reports effective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing. Please help me delete these illegal accounts from my credit reports.
Consumer complaint received 2023-10-13
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NE)

I never authorized or set up these accounts, and I believe they might be acts of fraud. Please conduct a comprehensive investigation into these accounts and take the necessary steps to remove them from my credit report. It's essential for maintaining the correctness of my financial records.
Consumer complaint received 2024-05-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

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 2024-05-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

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 XXXX of The XXXX 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 2024-01-22
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)

Over 60 days ago I have been contacting these consumer reporting agencies as they are accessing and reporting and furnishing information that I NEVER authorized. I demand the following inquiries hard and soft be removed immediately as they are reporting and furnishing information that i NEVER authorized. They are causing me damage, harm, and illegally reporting and furnishing information without my consent. They owe me violation fees for illegal use of my Credit file. I need you CFPB to make sure they get these inquiries that I never consented to removed and deleted immediately. They are not complying and I am suffering from stress and harmful XXXX  caused by these non affiliated corporations and they are abusing me and my information. 

I need the following inquiries to be deleted and removed from my credit file and I need my file updated as I have instructed below. I am tired of the abuse of these corporations and companies violating me and my rights. This is against the LAW. 

Delete NOW!!! 
I NEVER CONSENTED TO ANY OF THESE INQUIRIES. MY information and informed use of credit has been illegally accessed. BY law Every single PERSON Must have my Written consent and permissible purpose and my signature from me allowing these reportings and transactions, which I NEVER gave them. They MUST send me a copy of ALL the transactions and letters proving that I consented to XXXX, XXXX, and Transunion. They Must provide me a copy of ALL transactions accompanied with my written letter and my written consent to furnish my information. If they do not have a copy then they are in breach of contract, committing securities fraud, and I will check my file and if they are not removed as i have requested, I will also be notifying the IRS for their illegal and bad business practices : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX Done in good faith, Without prejudice By : XXXX : XXXX, Beneficiary/ Agent For : XXXX XXXX Principal Without recourse . All Rights Reserved
Consumer complaint received 2024-07-26
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. (NC)

Why until now these negative accoounts are still here it's been a while since I've done this I have filed a complaint with the ftc for these accounts why so far there is no action. And I also received a letter from the bureaus saying that I am not the one who will send the letter for the bureaus, this is wrong because I am the one who will send my letter, here are the lists of negative accounts that I want as soon as possible.
Consumer complaint received 2024-01-23
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am writing to express my deep dissatisfaction with the fraudulent accounts currently on my credit report. Unauthorized and false information is affecting my credit history, jeopardizing my financial standing, and undermining my credibility. I request an immediate investigation and swift removal of these inaccuracies from my credit report. The presence of these entries is damaging my credit score and causing significant distress. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have attached supporting documentation proving the fraudulent nature of these accounts.
Consumer complaint received 2024-01-22
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)

XXXX XXXX IDENTIFIED THE INQUIRIES ON MY CREDIT REPORT TO BE FRAUDULENT. CREDIT REPORTING BUREAUS WERE NOT REMOVED FROM MY REPORT. SEE LETTER ATTACHED. UNAUTHORIZED INQUIRIES TO BE REMOVED as soon as possible.
Consumer complaint received 2024-05-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

FCRA 605B, in my understanding, demands the elimination of any incorrect accounts from my credit report. Could you verify the documents, please? Some of the listed accounts are inaccurate in terms of reporting, with incorrect amounts and dates being reported.
Consumer complaint received 2024-01-22
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. (OH)

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. 


I told XXXX, Transunion, and XXXX to reinvestigate these accounts : Account : # XXXX Account : # XXXX, Account : # XXXX, Account : # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-05-19
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. (CA)

On XX/XX/XXXX, I submitted a request to block the account on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date 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. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX OPM data breach as well as Equifax 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX : {$0.00}
Consumer complaint received 2024-05-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

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 three Bureaus, Transunion, XXXX, and XXXX.
Consumer complaint received 2024-01-22
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. (CT)

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. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or a list of inquiries : 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 furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-01-22
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)

I've contacted the Credit Reporting agencies via phone and mail in regard to continuously reporting a charged-off account to my credit profile. The SECU account has been canceled and forgiven by the lender. This account has been written off by lender and is now taxable income. INCOME CAN NOT BE REPORTED on a consumer report. I've requested a total of 3 times for this information to be removed and updated. This debt is not disputable, the company has filed it on their taxes, and tax write-offs can not be reported. This account is being illegally and inaccurately reported on my credit profile. Furnishing this account to my profile is in violation of 15 USC 1681 ( E ) B. Each credit reporting agency has the responsibility of reporting maximum accuracy.

This inaccurate reporting is severely impacting my ability to obtain credit and also violating my rights as a consumer..
Consumer complaint received 2024-01-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have inquiries on my credit report that I did not make. 

Transunion XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX
Consumer complaint received 2024-01-22
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)

Transunion is reporting accounts on my consumer profile due to an alleged identity theft. These accounts involve transactions unrelated to me, and I did not derive any benefit from them. I've provided Transunion with written correspondence, including proof of my identity, an identity theft report, identification of the relevant information, and a statement, as legally mandated. They are obligated to block and remove these accounts within four business days of receiving my notice.
Consumer complaint received 2024-05-07
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I respectfully seek your comprehension regarding the late remarks on my report, and I am fully dedicated to resolving them as per our agreement. My goal is to eliminate all the late remarks from my report, and I am enthusiastic about upholding a favorable record with your organization.
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: EQUIFAX, 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 2024-06-16
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. (GA)

I've requested the removal of the XXXX XXXX account from XXXX Credit Bureau 's. XXXX has removed the account, but Transunion and XXXX have failed to follow as I've requested. The XXXX XXXX account has been closed since XXXX XXXX and charged off.
Consumer complaint received 2024-01-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I requested that each bureau ( TransUnion and XXXX ) to remove derogatory items from my credit report more than once. I got responses concerning other irrelevant issues but no action or investigation was submitted. By law i'm am entitled to the sum of the items and you must remove block all derogatory items.