davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-01-15
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. (NY)

I appreciate your assistance in getting some of the fraudulently obtained data from my credit file removed, but there are still items that need to be blocked or removed. You must remove all records listed on an ID THEFT REPORT by FCRA section 605 of the regulations. I am proactively including this report again because I proactively remembered it for a previous letter. I have informed my attorney of my intentions, and they are willing to hold you accountable for your persistent disobedience. 
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 2024-07-29
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. (OH)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2024-06-13
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. (TX)

Despite multiple written requests, the unverified account listed below continues to report on my credit report in violation of federal law. I sent a letter to the 3 credit bureaus but I never received a response from them. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate this account, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX
Consumer complaint received 2024-01-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I reached out to the company regarding the removal of the incorrect information and was denied. In addition, the credit scores for Transunion and XXXX are normally at least XXXX points lower than XXXX and the actual FICO scores that are used by the financial institutions that are providing the consumer credit transactions. I'm not sure why one would have to ask multiple times to have inaccurate information removed from their credit report and have it not be done. I have attached a list of the discrepancies from each reporting agency and hope that this can be resolved and corrected quickly as it is negatively affecting my credit.
Consumer complaint received 2024-01-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

TRANSUNION, XXXX, AND XXXX KEEPS REPORTING INACCURATE INFORMATION. 

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXXXXXX XXXX Account name : 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 an 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 2024-07-29
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)

Encountering an error suggesting a late payment on my account is unsettling, particularly because I have consistently adhered to payment deadlines. This inconsistency is generating unnecessary stress, and I implore you to swiftly rectify the situation by updating my records accordingly.
Consumer complaint received 2023-08-20
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. (MA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2024-07-29
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC. (MN)

I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.
Consumer complaint received 2024-01-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I looked at my credit report on XX/XX/XXXX and I noticed some things are incomplete and not accurate.. I sent a letter to Trans Union on XX/XX/XXXX and I asked them to investigate the accuracy of my report when i received the results I noticed they didn't fix anything. They are breaking Federal Law according to 15usc 1681 ( 5 ) i
Consumer complaint received 2024-01-14
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 the only credit consumer reporting agency that is reporting the ( XXXX XXXX ) account status as collections/ charge off ; however, according to the TransUnion online monitoring services report, I have no late payment and no collection therefore it's an inaccuracy. This violation of 15 U.S. Code 1681e - Compliance procedures reporting agency prepares a consumer report it shall follow reasonable procedures to ensure maximum possible accuracy of the information concerning the individual about whom the report relates.

15 USC 1681s-2 : Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. 

Delete the collections/ charge-off off account XXXX XXXX from the consumer report. Please see the attached supporting documents.
Consumer complaint received 2024-05-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XX/XX/XXXX I am writing to file a formal complaint against all credit reporting agencies, including but not limited to XXXX, XXXX, XXXX, and XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, Capital One Bank, XXXX XXXX, for their unauthorized and unethical handling of my personal information. 

This complaint is based on several serious violations : XXXX. **Failure to Provide Opt-Out Information : ** I have never received monthly options to opt out of data sharing from any of these agencies, despite legal requirements to provide such options. 
XXXX. **Lack of Express Written Consent : ** None of these agencies have obtained my express written consent to collect or disseminate my personal information. 
XXXX. **Misrepresentation of Opt-Out Rights : ** I was falsely informed by these agencies that I am not allowed to opt out of their services, a clear misrepresentation and fraudulent practice. 
XXXX. **Illegal Profit from Personal Data : ** My personal information has been transmitted illegally by these agencies to third parties for their own profit, from which I have derived no benefit. This action constitutes a violation of the Privacy Act of 1974, which protects against unauthorized disclosure of personal information.

These practices breach the Fair Credit Reporting Act ( FCRA ) and 15 U.S.C. 6802, and demonstrate a blatant disregard for my rights and safety, potentially exposing me to identity theft and financial fraud. The systemic failure of these agencies to uphold privacy and integrity of consumer data is alarming. 

I urge the Consumer Financial Protection Bureau to conduct a comprehensive investigation into these flagrant violations and enforce strict penalties to prevent further misconduct. It is critical that decisive actions are taken to ensure these agencies comply with all applicable laws and respect consumer rights. 

IN ADDITION, THE LAW CLEARLY STATES IT IS ILLEGAL TO REPORT TRANSACTION HISTORY - HOW IS ANY AMOUNT REFLECTED ON MY BALANCE? 

I look forward to your prompt response and resolution of this matter. Please contact me at the details provided above if further information or documentation is required. 

Thank you for your immediate attention to this critical issue. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA (IL)

My student loan balance was forgiven through PSLF and even though I provided the letter to experian they refuse to update the debt on my credit report. XXXX has always updated my report to reflect the XXXX balance and XXXX is working on it. Please instruct XXXX to UPDATE their records and reflect the XXXX balance of my student loans ASAP, as it could hinder me getting a new home for me and my daughter.
Consumer complaint received 2024-01-14
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. (OH)

I have no knowledge of this account, XXXX XXXX, ACCT # XXXX, but it is being reported on my credit report. It has leads been DELETED, yet is still showing up on my credit report. Under Section 604 15 U.S. Code 1681 B, it states none of the credit bureaus have the right to report anything on my credit report. Therefore, this is in violation! According to 15 US Code 681s-2, 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 2023-12-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ACIMA CREDIT, LLC (UT)

I noticed that there were Chargeoffs on my credit report which are not mine. These accounts are not mine and I don't want to report identity theft on my credit report so I wanted these companies to verify this information which is incorrect which is required under FDCPA and FCRA laws. These companies have not responded at all and one company sent me a letter which had no verification whatsoever.
Consumer complaint received 2024-04-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (WA)

I have been trying to remove XXXX Bankruptcies on my credit report. Experian 's Specialties department had told me their systems had " Comingled Information. '' She filed a form and the bankruptcies were to be removed in XXXX business days. 

That was XX/XX/2024 They are still reporting today. XX/XX/2024 XXXX
Consumer complaint received 2024-06-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-05-24
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Medical Data Systems, Inc. (GA)

On XX/XX/2023 I discovered that my identity was stolen to open accounts in my name. ( View police Report attached below ) I am and have been a XXXX XXXX XXXXXXXX XXXX. The dept of Veteran Affairs pays all my medical bills.
Consumer complaint received 2024-04-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

- XX/XX/XXXX : my leased vehicle was totaled in an accident where I was not at fault - XX/XX/XXXX : I made an on-time lease payment as I waited for XXXX to process the claim - XX/XX/XXXX : XXXX paid the XXXX XXXX XXXX XXXX XXXX  ), the leasing company - XX/XX/XXXX : I called XXXX to verify my account was fully paid off. The call was recorded and they confirmed it was paid off/ no amount owed by me - XX/XX/XXXX : I called XXXX asking for a refund of my XX/XX/XXXX lease payment. In that recorded call, they confirmed again there was no amount owed by me - XX/XX/XXXX : I received a letter from XXXX saying my account was in collections but there was {$0.00} owed by me ( letter attached )- XXXX XXXX, XXXX : I receive a credit alert that XXXX had closed this account and that I owed more than {$15000.00} - Last few days : I have called XXXX repeatedly trying to figure out what is going on and they have extended their resolution timeline from 48 hours to 7-10 business days to 30 days to now " you'll get an update on the status in the next few weeks ''. I also confirmed with XXXX that their system is showing many different possible numbers that I might owe, from {$0.00} to {$17000.00} and none of the # XXXX tie to the {$15000.00} that was reported to the credit agencies. 

This situation is unacceptable. This is a hugely negative impact on my credit on an account that I was repeatedly assured has a {$0.00} balance and I have no visibility on when it will be resolved
Consumer complaint received 2023-12-27
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: V and H Portfolio (KS)

I called Vance and Huffman LLC at ( XXXX XXXX XXXX, a collection agency that is working on behalf of XXXX to let them know that the debt they are attempting to collect has been discharged in a XXXX XXXX XXXX. I also told the company that they never showed up for the meeting of the creditors and had 30 days to respond to the court before the bankruptcy was XXXX. The collection agency still reported the debt after that conversation, even after I gave them my attorney information. I am unable to apply for housing because of this matter and may not be able to apply before the house is off the market.
Consumer complaint received 2024-01-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX 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 2024-01-26
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. (FL)

These accounts show late payments, that is incorrect information that I need to review. 


XXXX XXXX - XXXX - inquiry XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX
Consumer complaint received 2023-12-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

EQUIFAX IS VIOLATING MY FCRA RIGHTS FOR ALLOWING THIS ACCOUNT TO CONTINUE REPORTING ON MY CREDIT REPORT. XXXX XXXX XXXX THIS ACCOUNT HAS BEEN CHANGED MULTIPLE TIMES, DUE TO MULTIPLE REPORTING ERRORS. THE FCRA CLEARLY MENTIONS ALL INCORRECT ACCOUNTS BEING REPORTED MUST BE REMOVED. THE FOLLOWING ACCOUNTS ARE BEING REPORTED INCORRECTLY AGAIN AND MUST BE REMOVED : XXXX XXXX XXXX BALANCE {$7700.00} EQUIFAX CHANGED THE INFORMATION 5 TIMES AND IT STILL NOT CORRECT.
Consumer complaint received 2024-01-15
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am writing to dispute an item on my credit report. I have been having issues with XXXX XXXX and XXXX XXXX for quite some time now. Despite numerous attempts to rectify the situation, I am still having to file complaints and dispute letters. I am extremely frustrated with this situation, as I was promised that this issue would be resolved within 10 days. It has now been 65 days and the issue is still impacting my XXXX XXXX, which is preventing me from moving forward on a loan. This is causing me a great deal of emotional and physical distress, and I am at my wit 's end. Please see the attached documentation regarding my accounts with Capital XXXX and Vive Financial : Capital XXXX XXXX Date opened : XX/XX/XXXX Balance : {$35.00} and Vive Financial XXXX Date opened : XX/XX/XXXX Balance : {$0.00}. I am the primary complainant in this matter, and I hereby XXXX full authority to the Consumer Financial Protection Bureau ( CFPB ) to thoroughly investigate and address this claim. And also, the bankruptcy information currently reflected on my credit report is not only inaccurate but egregiously so. The case purportedly being reported as valid and accurate is patently incorrect. Contrary to your records, there has never been a case tried or seen, and unequivocally, there is NO JUDGMENT associated with it. Absence of a judgment indicates the absence of a case a basic legal principle seemingly overlooked in your reporting. It baffles me how a case that was never presented before a judge is now being reported as valid on my credit file. I demand that this erroneous account be promptly expunged from my credit report. Failure to rectify this situation with the utmost urgency will leave me with no choice but to pursue legal action. Be advised that I have already consulted with my attorney, and should this matter persist beyond 30 days from the date of this letter, a federal case will be initiated against the responsible party. XXXX XXXX CT CA XXXX XXXX XXXX Filed on XX/XX/XXXX. I implore you to take immediate action to correct this gross misrepresentation. Disregarding this request and continuing to disseminate inaccurate information will compel me to seek legal redress without hesitation.
Consumer complaint received 2024-01-26
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)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-04-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

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.

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 2024-01-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Inaccurate late payments 1. 120+ other 120days these are closed accounts so they cant change them. The collection actually just have 120days not 30 or 60 days only 120days. XXXX XXXX  has 90 & 60days & XXXX XXXX XXXX was reopened thats a violation. I want too see original documentation from these accounts in XXXX  I circle all these inaccurate things on these reports. Need fixed or deleted