BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-28
Company: PENTAGON FEDERAL CREDIT UNION
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I was in contact with Pentagon Federal Credit Union speaking with an associate that was assisting me on finding an account with them that is showing on my credit report. I told the associate I have no card with them and need my name taken off of any account with them because I have never done business there nor given my information to them. The associate asked for my social security, which I provided, and they could not find an account with my information on it. I told him it is showing on my report and he needs to find the account and remove me. Associate said he could not find anything and if I submit a dispute with XXXX the account will be taken off since there is not an account. I asked if there was any one else in his department that could look or take my information off and he told me submitting the dispute will do so. This call took place XX/XX/23 at XXXX XXXX  CST and took over 8 minutes. I began the dispute process and the outcome was a notice that Pentagon confirmed the information was accurate. This was over a month waiting to hear back when I was assured by the company that I was not attached to an account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my OTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This complaint is filed against TransUnion, XXXX, and XXXX for reporting incorrect/wrong information and incomplete information on my credit reports relating to the said account of XXXX XXXX under account number XXXX that all show a high balance of XXXX. This account was disputed with all three bureaus and all three bureaus verified the account as accurate and correct. Said errors are : XXXX. TransUnion XXXX report reports this account as open.This is a closed account and in collections. XXXX. XXXX report also shows this account as open. This account is closed and in collections. XXXX. Both XXXX and XXXX reports are missing date account opened. XXXX. Both XXXX and XXXX reports are missing date last verified. XXXX. TransUnion reports date of last activity as XXXX. XXXX reports date of last activity as XXXX. XXXX reports date of last activity as XXXX. All three differ and all can't be verified as correct. XXXX. Both TransUnion and XXXX are missing date of last payment. XXXX. TransUnion report under dispute status shows account not disputed. Contrary on same report under XXXX 's Remarks, it shows account disputed by consumer. Both can't be correct. XXXX. TransUnion report under Creditor 's Remarks says account disputed by consumer. Said account was disputed and verified. Once dispute is done, the credit bureau is obligated to delete dispute code on account which TransUnion failed to do. Account is not under dispute anymore and dispute remarks or codes are to be deleted from report. XXXX. Espirian report says under Dispute status that account not disputed. Contrary on same report under Creditor 's Remarks it says account disputed. Both can't be correct. XXXX. Espirian reportsays account disputed under Creditor 's Remarks. This account has been disputed and verified as correct. Dispute is over and once over any dispute remarks or dispute codes are to be immediately deleted from account. XXXX failed to remove the dispute remarks/codes from account. This violates the FCRA. and due process of federal law. A copy of XXXX XXXX XXXX XXXX XXXX report is included in this complaint to verify al errors and discrepancies.once all XXXX reports are side by side there is no way all XXXX bureaus verified different information from same account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-20
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I am writing to formally request the immediate removal of certain unauthorized inquiries listed on my credit report. Upon reviewing my credit report, I have identified multiple inquiries that are not attached to any active accounts. These inquiries are adversely affecting my credit score and overall financial profile.

I kindly request that you remove the following unauthorized inquiries within four business days, as they are not associated with any active accounts on my credit report : XXXX. XXXX XXXX XXXX XXXX Inquiry date : XXXX XXXXXXXX XXXX XXXX. XXXX XXXX XXXX - Inquiry date : XX/XX/2023 XXXX. XXXX XXXX XXXXXXXX - Inquiry date : XXXX XXXX XXXX XXXX. XXXX - Inquiry date : XX/XX/2023 XXXX. XXXX XXXX XXXX XXXX - Inquiry date : XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX - Inquiry date : XX/XX/2023 XXXX. XXXX XXXX - Inquiry date : XXXX XXXX XXXX  XXXX. XXXX - Inquiry date : XX/XX/2023 XXXX. XXXX XXXX XXXX - Inquiry date : XX/XX/2023 These unauthorized inquiries do not correspond to any active accounts or credit applications made by me. Therefore, I am requesting their immediate removal from my credit report. I understand that unauthorized inquiries can significantly impact my credit score and future financial endeavors. As a responsible consumer, I strive to maintain an accurate credit history, and these inquiries do not accurately represent my creditworthiness. 

I kindly request that you thoroughly investigate these unauthorized inquiries and take appropriate action to remove them from my credit report within the specified timeframe. I appreciate your attention to this matter and your cooperation in rectifying this issue promptly. 

I look forward to receiving written confirmation once the unauthorized inquiries have been successfully removed from my credit report. 

Thank you for your prompt attention to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ID
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XX/XX/2021 I purchased a vehicle from XXXX XXXX XXXX. The vehicle was listed as XXXX. A large down payment was placed down, leaving only a little over XXXX to be financed. The vehicle was later determined to be a fraudulent sale. It had frame damage and the dealer surety bond established a release an assignment from me to the surety. Despite this this company continues to report on my credit report. I have previously disputed with credit reporting agencies in which I get a response to contact the furnished. This company is aware that their surety bond paid out due to their fraudulent act. They continue to report inaccurate information, hurting my credibility and ability to obtain credit. Additionally, the previous established payment amount of {$200.00} has always been incorrect and they have always reported an inaccurate .obtain credit. Additionally, the previous established payment amount of {$200.00} has always been incorrect and they have always reported a in accurate amount of {$180.00}. After several disputes, it was recently updated with no information. Other than the account was paid, but listed as a charge off. This company needs to remove all negative information and leave the positive on time payments. The account has been disputed and request for re-investigation on two different occasions, and is currently processing through CFPBs complaint system as the account continues to affect me negatively by the inaccurate and incomplete information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : DEPT OF ED/XXXX  XXXX Balance : {$6200.00} XXXX XXXX XXXX XXXX Balance : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-06
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX Balance Owed : {$190.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX  XXXX XXXX : {$190.00} XXXX XXXX  XXXX XXXX Balance XXXX : {$190.00} XXXX XXXX XXXX Balance Owed : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting and account #, has violated my rights : 15 U.S.C 1681 Section 602 A. States that I have the right to privacy 15 U.S.C 1681 Section 604 A. Also states thats a consumer agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-06
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The following companies made unlawful requests on my credit report, and I am writing to let you know about them. Below are the company names along with the dates that I received the inquires. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My information with Equifax has been breeched and I have attached proof. 

Equifax refuses to delete the following accounts : XXXX  Account # XXXX FDCPA Section 807 Violation Misleading False Reporting. 
This account is inaccurate and I am seeking litigation. Please delete it at once. 

XXXXXXXX Account # XXXX FDCPA Section 807 Violation Misleading False Reporting. 
This account is inaccurate and I am seeking litigation. Please delete it at once. 

XXXX Account # XXXX FDCPA Section 807 Violation Misleading False Reporting. 
This account is inaccurate and I am seeking litigation. Please delete it at once. 

XXXXXXXX XXXX Account # XXXX FDCPA Section 807 Violation Misleading False Reporting. 
This account is inaccurate and I am seeking litigation. Please delete it at once. 

XXXX Account # XXXX FDCPA Section 807 Violation Misleading False Reporting. 
This account is inaccurate and I am seeking litigation. Please delete it at once. 

XXXX XXXX Account # XXXX FDCPA Section 807 Violation Misleading False Reporting. 
This account is inaccurate and I am seeking litigation. Please delete it at once. 

XXXX XXXX Account # XXXX FDCPA Section 807 Violation Misleading False Reporting. 
This account is inaccurate and I am seeking litigation. Please delete it at once. 

XXXX. The original creditor is XXXX XXXX XXXXXXXX XXXX 
Account # XXXX XXXXXXXX FDCPA Section 807 Violation Misleading False Reporting. 
This account is inaccurate and I am seeking litigation. Please delete it at once. 

XXXX. The original creditor is XXXX XXXX. 
Account # XXXX FDCPA Section 807 Violation Misleading False Reporting. 
This account is inaccurate and I am seeking litigation. Please delete it at once. 

PLEASE DELETE THESE FROM MY CREDIT REPORT IMMEDIATELY AS I AM A VICTIM OF ONE OF THE LARGEST DATA BREACHES TO THIS DAY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-15
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
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 XXXXXXXX XXXX Account number : XXXX Account name : XXXXXXXX XXXX Account numberXXXX Account name : XXXXXXXX XXXX Account numberXXXX Account name : XXXX Account number:XXXX has violated my rights. Or 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 re
port 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-03
Company: DISCOVER BANK
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
Per their website calculator I applied for a personal loan on XX/XX/2023. See screenshot with my circumstances, I entered the amount I need, the length of time I needed and my XXXX XXXX. they offered 10.99 % APR, so i went ahead and provided all my personal information and was told that my XXXX XXXX XXXX. I have an XXXX XXXX XXXX and very decent income, pay my CC on time and in full. I believe they either false advertise or discriminate. 
Then when I told them I was not interested and that please remove all my personal information from their website, they staff said she was not able and that I might be receiving advertising from other companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that these accounts were erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My information was bought and sold illegally because I was a victim of XXXX data breach.I want these items deleted from my credit reports effective immediately. I am attaching proof that XXXX has admitted that I was in fact a victim of this data breach and XXXX has done nothin.please help me delete these illegal accounts from my credit reports. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-02
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
In accordance with the Fair Credit Reporting Act, the following companies have violated my rights. There has been an unauthorized credit inquiry that has been performed without my expressed, or written, permission. 

Experian Inquiry - XXXX - XX/XX/2023 XXXX XXXX XXXX XXXX, XXXX - XX/XX/2023 XXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX  - XX/XX/2023 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 Attached you will find an email from XXXX acknowledging the unauthorized attempt, as well as proof that they were aware of our cancellation on JXXXX XXXX 14 days before the unauthorized credit inquiry.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation