davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-20
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. (CA)

Hi, Department XXXX XXXX XXXX is reporting inaccurate information on my credit report. There are three loans reflecting the dates of XXXX and XXXX. That is still appearing on my credit report with all three credit bureaus. I have disputed this numerous times and Dept of Education keeps updating over XXXX loans. This is affecting my credit and putting a hindrance on my purchasing my XXXX-year-old and newborn a new home. Please help.
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)

This is not my account. How many times do I need to dispute this non sense. 15 usc 1681b Follow the law And this was removed from my credit report And put back on. THIS IS NOT MY DEBT.
Consumer complaint received 2024-01-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Subject : Immediate Action Required : Unauthorized Inquiries Impacting My Credit Report Dear TransUnion, I trust this letter finds you well, although the urgency of its contents demands your immediate attention. Pursuant to the Fair Credit Reporting Act ( FCRA ) - 15 U.S.C. 1681 et seq., specifically 1681b, and North Carolina General Statutes 75-64, subsection ( a ) ( 4 ), I am compelled to address a matter of utmost importance concerning my credit profile.

Upon meticulous review of my consumer report, I have identified unauthorized inquiries from XXXX XXXX XXXX XXXX  and XXXX XXXX XXXX, severely impacting my creditworthiness. This not only infringes upon the FCRA but also constitutes identity fraud, as explicitly defined by the Identity Theft and Assumption Deterrence Act - 18 U.S.C. 1028 ( a ) ( 7 ).

I assert, with unwavering confidence, that even within the scope of a permissible purpose, the consent of the consumer is indispensable, as stipulated by the Gramm-Leach-Bliley Act ( GLBA ) - 15 U.S.C. 6801 et seq., particularly 6802 ( e ) ( 1 ). In these instances, no such consent has been granted. 

The adverse impact on my creditworthiness, a direct violation of the Electronic Communications Privacy Act ( ECPA ) - 18 U.S.C. 2510-2522, especially 2511 ( 1 ) ( c ), is intolerable. In alignment with North Carolina General Statutes 75-64, subsection ( b ) ( 2 ), I insist that immediate action be taken to rectify this situation.

I maintain that these items are unverifiable, invoking the Privacy Act of 1974 - 5 U.S.C. 552a, particularly 552a ( d ) ( 1 ). I, therefore, demand that, in accordance with the Computer Fraud and Abuse Act ( CFAA ) - 18 U.S.C. 1030 ( a ) ( 2 ) ( C ), TransUnion expeditiously deletes these unauthorized and unverifiable items from my consumer report within the next XXXX  days. 

Failure to do so will be construed as willful noncompliance on the part of TransUnion, an offense for which you can be held civilly liable, as explicitly stated in 1030 ( g ) of the CFAA. 

I expect a swift resolution, and I anticipate written confirmation once the unauthorized inquiries have been expunged from my consumer report. 

Done in good faith.
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)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2024-01-20
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)

According to the Fair Credit Reporting Act 15 USC 1681 section 602, There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumer 's right to privacy. XXXX, XXXX and Transunion are consumer reporting agencies and I am the consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states. '' It is the policy of the Congress that each financial Institution has an obligation to respect the privacy of it's customers and to protect the security and confidentiality of those customers non public personal information. The financial institution and the consumer reporting agencies XXXX, XXXX and Transunion do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX and Transunion whether it be verbal, non verbal, written, implied or otherwise is revoked. XXXX, XXXX and Transunion are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that '' A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
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. (TX)

Have spoke to XXXX, XXXX, Transunion about XXXX XXXX. I did not give these companies permission to check my credit, Nor did i give the three credit bureaus written permission to release my information
Consumer complaint received 2024-05-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

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 2024-01-01
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. (OH)

I am filing a formal complaint against XXXX XXXX XXXX XXXX for clear violations of the Fair Credit Reporting Act and the Identity Theft XXXX XXXX  Rule. 

Despite providing comprehensive documentation and following the prescribed dispute process, XXXX has failed to address compromised accounts on my credit report. 

I submitted a thorough dispute to XXXX, including FTC reports, a police report, a state of Ohio Identification card, a social security card, and a handwritten letter specifying the compromised accounts I wanted blocked. 

Despite these efforts, XXXX has verified the accounts through an alternate process, and as a result the compromised accounts are still being furnished and my entire XXXX credit report is still profoundly inaccurate preventing me from becoming a first time home buyer. 

XXXX 's refusal to block the compromised accounts is a direct violation of my rights under the FCRA ( 15 U.S.C. 1681 ). The FCRA mandates accurate and fair reporting of consumer information. The accounts in question were reported as compromised, and XXXX 's failure to act appropriately contradicts the FCRA guidelines.Non-Compliance with Identity Theft In addition, XXXX 's actions raises my concerns about its adherence to the Identity Theft Red Flags Rule ( 12 C.F.R. 1022.20 ). This rule requires financial institutions to detect and respond to potential identity theft indicators. By neglecting to block the compromised accounts, XXXX is not fulfilling its obligations under this rule. 

Lastly, when I compared the CFPB guidelines with FCRA I have concluded XXXX 's deviation from the documented dispute process outlined in my submission, XXXX has contradicted the guidelines set by the Consumer Financial Protection Bureau for handling identity theft disputes. 

I request the Consumer Financial Protection Bureau to investigate this matter thoroughly and take appropriate action to ensure XXXX complies with consumer protection laws. 

Specifically, I seek the following : A reevaluation of my dispute by XXXX, considering the evidence and documentation provided. 

Blocking of the compromised accounts as per my original request. 

XXXX that my credit report accurately reflects the resolution of this matter. 

Failure to address these concerns in a timely and satisfactory manner XXXX necessitate further action, including seeking legal counsel and reporting the issue to other regulatory authorities.Thank you for your prompt attention to this complaint. 

Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-21
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 am writi ng to follow up on my previous XXXX XXXX sent on XXXX XXXX ago from the date of this XXXX XXXX, regarding the dispute of certaininformati on in my credit fi le. I am specifi cally addressing the XXXX  informati on listed below as a victi m of identi ty theft ; XXXX XXXX XXXX in letter.
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. (FL)

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 XXXX XXXX XXXX which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and XXXX XXXX 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 2024-01-21
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 am writi ng to follow up on my previous XXXX XXXX sent on XXXX XXXX ago from the date of this XXXX XXXX, regarding the dispute of certaininformati on in my credit fi XXXX. I am specifi cally addressing the fraudulent informati on listed below as a victi m of XXXX XXXX XXXX ; XXXX XXXX XXXX in letter.
Consumer complaint received 2024-01-21
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 am writi ng to follow up on my previous noti ce sent on 45 days ago from the date of this lett er, regarding the dispute of certaininformati on in my credit fi le. I am specifi cally addressing the fraudulent informati on listed below as a victi m of identi ty theft ; SeeFraudulent Inquiry Summary in letter.
Consumer complaint received 2021-06-15
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: CAPITAL ONE FINANCIAL CORPORATION (CT)

I have this accounts that does not belong to me and i want them to be eliminated from my credit report. 

XXXX  1. Identity Theft XXXX Account Number : XXXX This is not mine. 

2. Identity Theft CAPITAL ONE Account Number : XXXX This is not mine. 

XXXX 1. Identity Theft CAPITAL ONE Account Number : XXXX This is not mine.
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. (MD)

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 2023-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

XXXX XXXX XXXX is reporting a inaccurate payment history and its violation of my consumer rights and the fair credit reporting act 15 usc 1681s-2 account says charge off and at sametime saying current please delete this account from my consumer reports
Consumer complaint received 2024-05-05
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. (SC)

XXXX XXXX is continuously saying this information is verified and the consumer reporting agencies are updating it as valid when the consumer disagrees. The FCRA is being violated as 15 idc 1666b clearly states that no creditor can mark any payments as late for any reason.
Consumer complaint received 2024-01-01
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: Experian Information Solutions Inc. (MO)

To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. 
I demand that the following account be verified or removed immediately : The following account is not mine : XXXX XXXX XXXX, Account Number : XXXX Please remove it from my credit report. 

I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. 
Failing that, the item must be deleted from the report as soon as possible. This information is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes.

Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber.

Under federal law, you have thirty ( 30 ) days to complete your investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your investigation.

Thank you,
Consumer complaint received 2024-05-05
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. (TN)

I have been requesting proof of the alleged account XXXX XXXX XXXX XXXX in the amount of {$10000.00} since XX/XX/2022. Whenever I dispute the inaccuracy, Transunion sends a reply that the debt was verified ; however, I have never received debt verification. 

If it is a charged off account, then there should be a 1099-C. I have also requested this from Transunion since XXXX and I have not received it. I have requested the original contract bearing my signature and I have not received it. 

Also if it is a closed/charge off account, how is it reflecting a balance? Is it charged off or past due? Charged off accounts can not reflect a balance. This is a violation of the FCRA and METRO2 reporting standards. 

Transunion should not be allowed to report this account on my credit report any longer. Provide proof or remove completely.
Consumer complaint received 2024-01-01
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. (PA)

On XX/XX/XXXX, I sent my FTC report and license to Experian, XXXX, and XXXX. I am following to correct steps to report identity theft. I have fraudulent accounts reporting on my consumer report.
Consumer complaint received 2023-07-06
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

Metro 2 XXXX XXXX XXXX XXXX XXXXreported an inaccurate amount as the original amount owed on the collection account and attempting to collect a larger amount owed.
Consumer complaint received 2024-05-05
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. (SC)

XXXX XXXX is continuously saying this information is verified and the consumer reporting agencies are updating it as valid when the consumer disagrees. The FCRA is being violated as 15 idc 1666b clearly states that no creditor can mark any payments as late for any reason. XXXX XXXX states they sold it, but the company listed said they dont have this reporting and that it is in fact XXXX XXXX which is what is being furnished.
Consumer complaint received 2023-10-12
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)

When I reviewed my credit report, I discovered that some of the information was still erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-05-05
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. (SC)

XXXX XXXX is continuously saying this information is verified and the consumer reporting agencies are updating it as valid when the consumer disagrees. The FCRA is being violated as 15 USC 1666b clearly states that no creditor can mark any payments as late for any reason.