BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting 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 did not give consent or have any knowledge of the inquiry on my credit report XX/XX/2023 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 explanation
Consumer complaint received 2023-08-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
XX/XX/XXXX ] [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX [ XXXX XXXX ], [ MI ] XXXX ] SSN : [ XXXX ] | XXXX : [ XX/XX/XXXX ] Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( XXXX ) to be in error : Account Name : [ XXXX XXXX XXXX XXXX Account OPENED DATE : [ XX/XX/XXXX ] Reason : [ WRONG INFO ON MY ACCOUNT WANTED REMOVED. ] YOU ARE REPORTING THIS COLLECTION AS AN OPEN ACCOUNT. WHICH IS NOT UNDER FCRA compliance this is ACCURATE REPORTING AND NEEDS TO BE REMOVED IMMEDIATELY. PLEASE SEND ME A COPY OF MY CREDIT REPORT WHEN THE COLLECTION ABOVE IS REMOVED. Thank you for your time and help in this matter. Sincerely, [ 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 2020-08-07
Company: Smith, Cohen & Rosenberg LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
Someone from from telephone number XXXX XXXX said he was from Smith Cohen and Rosenberg contacted me today on XX/XX/2020 and said I owed him money. 
When I informed the caller I did not owe his company any money he made verbal threats towards my life ordering me to pay or else. When I gave him a verbal cease and desist order, he said we were not done.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting 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 looked up fair credit reporting act I gave the right to privacy it states a consumer reporting agency can not access report without written instructions. Companies violated my rights because he didn't give access for them to obtain credit report. 15 USC 1681 section 602 A 15 USC 1681 section 604 A. I received alerts Transunion is reporting on my credit report for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX that i didn't give authority for anyone to run on his credit.

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 2023-12-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
In accordance with the Fair Credit Reporting Act XXXX XXXX Account # XXXX, XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXXs Account # XXXX, XXXX  Account # XXXX, XXXX Account # 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.

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 2023-12-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
I got a copy of my credit report and noticed some accounts and inquiries that i did not authorize. I contacted the company 's and was told the documentation required to remove the unauthorized items and they are attached. I would like the issue taken care of immediately as i am trying to start a new job thats these issues are making more difficult than it should be.

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 2023-12-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting 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 looked up fair credit reporting act I gave the right to privacy it states a consumer reporting agency can not access report without written instructions. Companies violated my rights because he didn't give access for them to obtain credit report. 15 USC 1681 section 602 A 15 USC 1681 section 604 A. I received alerts Transunion is reporting on my credit report for XXXX  XXXX XXXX ( Bank ) on XX/XX/XXXX, XXXX XXXX  ( Finance ) XX/XX/XXXX, XXXX XXXX XXXX ( Miscellaneous ) XX/XX/XXXX that i didn't give authority for anyone to run on his credit.

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 2023-12-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
There is a child support legal item on my credit profile for XXXX. Child support payments do not arrive from a credit transaction and should not be reported on credit reports. Also I have asked the courts did they report a child support notice on my credit report and they stated they did not. So the credit bureaus are reporting third party information on my credit profile. 

They also reported without any notice which is all against the law. I would like the item removed from my credit profile.

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 2023-09-26
Company: EQUIFAX, INC.
State: TX
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:
I have started looking into to my credit and noticed the very unfamiliar accounts below. I have no knowledge or have I ever done business with the companies listed below. I have tried everything to get this fixed. 

In accordance with the Fair Credit Reporting act. The accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 Accounts name : XXXXXXXX XXXX account number # XXXX XXXX XXXX XXXXXXXX account number # XXXX XXXX XXXX XXXXXXXX account number # XXXX XXXX XXXX XXXX account number # XXXX 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 that a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) section states that 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
On or about XXXX, after receiving documents from XXXX XXXX regarding a file company against Bank of America, one personal signature statement was presented along with a copy of a cashed check that was unrelated to accounts in questions. I reviewed the documents and found that the personal signature statement contain a name and address of the bank representative ( XXXX XXXX XXXX XXXX XXXX  in XXXX , Tx ) ph # XXXX. I proceed to go to Bank of America at that location. I spoke the the Branch Manager which, she was very helpful and had no knowledge of the person on the documents. She checked the transit numbers ( written across the XXXX TX XXXX XXXX ) on the check which was sent by XXXX XXXX with no match to their system. We also check the two the phone numbers of the transaction one for XXXX XXXX-ph number XXXX which, a man stated it was not XXXX XXXX and refused to disclose business. The other business was XXXX XXXX # XXXX which, was a good number but, no one could ID the activity. What's very odd was the signatures on the " Personal Signature Card '' The Printed Name was " NOT COMPLETED '', the Signature part was copied and " had Add-XXXX  '' and the DATE contained to MANY Numbers " XXXX. It appeared to be TWO PEOPLE WHOM attempted to sign the document for account ending with " XXXX ''. We looked at all 4 " Personal Signature Cards WHICH ALL CONTAINED DIFFERENT SIGNATURES. Accounts which utilized the Business Name contain No " IRS '' FEIN number or NOR utilizing the business email address. Some used the old school college account which, after school we never continue to get access too. After you graduate from COLLEGE the email access is REVOKED -- '' NO ACCESS ''. These Personal Signature Cards where VOID at time of Service due to the DATES or Not trying to check the signature cards on file which would have alerted the BANK THAT PROTENTIAL FRAUD WAS GOING ON. The Bank Records show this was also my husbands account which was transfer to the forged ( my name ) account number ending in XXXX. I Filed a XXXX Police Report for Forgery and had already filed fraud in XX/XX/2015. Please see the attachments..

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 2022-12-05
Company: EQUIFAX, INC.
State: SC
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:
I disputed the issue with XXXX XXXX  recently and feel the need to reach out to the CFPB. XXXX has added something else on my report. I have no knowledge of the debt. The debt was opened in XXXX of XXXX. I recently applied for a XXXX  XXXX account in XXXX of XXXX. The account is prepaid. I invested in myself by providing XXXX  XXXX with a {$300.00} payment to open a credit card account for the sole purpose of improving my credit score by paying on time. I have the right to pay a minimum amount of {$25.00} without being severely punished by dropping my score well over XXXX points. XXXX XXXX  has never granted me credit. I granted myself credit by using my personal funds to open a line of credit that XXXX, equifax, and there entities has decided to demolish my credit score. I have never missed a payment and always payed on time since opening the account in XXXX of XXXX. As of today a debt for collection from XXXX XXXX with an account open date of XX/XX/XXXX appear on my report. I've never opened a XXXX  XXXX account in XXXX of XXXX. I've never received statements for a collection and are unaware of the account opened in XXXX. Attached is a screen shot of the issue. Please view.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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.

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 2022-12-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
I disputed the issue with XXXX XXXX  recently and feel the need to reach out to the CFPB. Transunion has added something else on my report. I have no knowledge of the debt. The debt was opened in XXXX of XXXX. I recently applied for a XXXX XXXX account in XXXX of XXXX. The account is prepaid. I invested in myself by providing XXXX XXXXXXXX with a {$300.00} payment to open a credit card account for the sole purpose of improving my XXXX XXXX by paying on time. I have the right to pay a minimum amount of {$25.00} without being severely punished by dropping my score well over XXXX points. XXXX XXXX has never granted me credit. I granted myself credit by using my personal funds to open a line of credit that transunion, XXXX, and there entities has decided to demolish my XXXX XXXX. I have never missed a payment and always payed on time since opening the account in XXXX of XXXX. As of today a debt for collection from XXXX XXXX with an account open date of XX/XX/XXXX appear on my report. I've never opened a XXXX XXXX account in XXXX of XXXX. I've never received statements for a collection and are unaware of the account opened in XXXX. Attached is a screen shot of the issue. Please view.

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 2023-01-20
Company: EQUIFAX, INC.
State: IL
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:
incorrect information reported. 

Don't have a XXXX XXXX XXXX XXXX as an authorized user. 

incorrect information reported. 

inquires on proile don't belong. 

{ 15 U.S.C 1681 ( a ) ( 2 ) an elaborate mechanism must be developed to investigating and evaluating the credit worthiness, credit standing, credit capacity character and general reputation of consumers. I demand with this declaration of complaint that you please validate this information with these Original Creditors and provide me with copies of any documentation associated with these accounts bearing my signature. In the absence of any such documentation bearing my signature, I formally request that all accusations of inquiries be immediately deleted from the credit file you maintain under my Social Security number. Additionally, any derogatory accounts associated with said unproven or not compliantly reporting or fraudulent inquiries should be immediately extracted from my consumer credit reports, particularly if not fully certificated physically to be 100 % true, accurate, complete, timely, mine, my responsibility, or compliant to XXXX XXXX data field formatted reporting standards as is mandated by obligations of my state and the federal reporting laws related to the matter, namely the FCRA and FDCPA. Please note that you have a maximum of 30 days to complete this investigation, as per the Fair Credit Reporting Act section 623 ( a ) ( 3 ), and you can bet your bottom dollar that I am keeping careful record of your actions and or mishaps, whether willful or in ignorance. I am certain that you know already but please allow me to remind you that your failure ( s ) to respond satisfactorily within 30 days of receipt of this certified letter will result in a small claims action against your company. I will be seeking {$5000.00} ( or the maximum allowable suable monetary award I can seek ) in damages for one or more of the following : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act 4. ) Unlawful reporting of unproven derogatory information deficient of compliance proof upon a consumer compliance check, dispute, complaint or challenge of compliance!

15 usc 6802 B 15usc 1605

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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 act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX : # XXXX, XXXX XXXX XXXX : # XXXXXXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX : # XXXX, XXXX XXXX at XXXX XXXX XXXX on : # XXXX, XXXXXXXX XXXX  XXXX : # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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.

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 2021-08-21
Company: Experian Information Solutions Inc.
State: CT
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:
Experian Credit Bureau has failed to provide the services : 1. appropriate investigation services within 30 days 2. dispute filing through my paid membership, online, over the phone and Mail which has never been received from Experian 3 . Experian has provided multiple false/scam/fraudulent contact call centers, credit reporting Representatives, telephone numbers that has resulted in continued identity theft attempts 4. This is-not the same complaint.

5. The last time I contacted Experian : my email : XXXX ; XXXX was hacked 6. Documented evidence will support when agencies are investigating Experian the dispute center is unblocked ; then 5 days later Experian reports month after month Experian is continuously working on the dispute center. 
7. To date Documented evidence supports my credit rating continues to demonstrate horrendous declines although my credit reporting status does-not represent or align with these horrendous declines dated XX/XX/2021. In addition, the blocked dispute center will substantiate Experian has not provided no online services it contracts to provide : Entrusting in XXXX, equal rights, protection under the law and justice I request a thorough investigation be immediately be conducted into Experian Actions : See the two updated attachments :

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 2023-01-20
Company: Block, Inc.
State: CO
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Cash App advertises that they can receive my direct deposit 2 days early. Instead I am being informed that they will be holding it up to 5 business days, meaning I'm being paid a week late. Their customer service department has been giving me the run around all day. No one can actually look into or solve my issue. My reputation will be damaged by not being paid on time by them, and I will also incur late fees on my bills.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 investigated my credit report, I realized that some of the information was erroneous. XXXX, XXXX and TransUnion are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX : {$13000.00}

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