BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-27
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: Information belongs to someone else

Complaint:
I HAVE SENT IN FTC REPORTS AND ALL EXPAINING TO TRANSUNION THAT THE INQUIRES ON MY CREDIT REPORT ARE DUE TO SOMEONE ATTEMPTING TO GET GOODS OR SERVICES IN MY NAME, YET I AM STILL SEEING THESE FRAUDULENT INQUIRES ON MY CREDIT REPORT, I DO NOT HAVE AN ACCOUTN WITH ANY OF THESE COMPANIES EITHER, THESE FRAUDULENT INQUIRES ARE STOPPING ME FROM SECURE CREDIT AND HOUSING. XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I EXPLAINED TO TRANSUNION THAT THESE ARE FROM FRAUDULENT ATTEMPS IN MY NAME AND XXXX HAVE NO ACCOUNT WITH ANY OF THESE COMPANIES, BUT THE STILL ARE REPORTING ON 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 2022-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
FCRA Violation auto loans not mine XXXX XXXX XXXX FCRA Violation credit cards not mine XXXX XXXX XXXX CARES ACT Violation credit card payment never late XXXX XXXX XXXX FCRA Violation other loans not mine XXXX XXXX XXXX FCRA Violation other loans payments never late XXXX FCRA Violation hard inquiries not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX FCRA Violation collections not mine XXXX XXXX XXXX XXXX XXXX FCRA Violation personal information not mine XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX 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 2022-07-25
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have previously disputed by mail several inquiries and I have not received a response from TransUnion. I have attached a new letter with the inquiries I am disputing.

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 2023-08-12
Company: EQUIFAX, INC.
State: NY
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:
I recently disputed 4 items on my Equifax Credit Report from the following creditor : XXXX XXXX XXXX Accounts ending in XXXX. XXXX, XXXX and XXXX. The items have inaccurate information in regard to past due status and history. The student loans were included in US Department of Education Fresh Start Program which required the deletion of default and negative history on rehabilitated student loans. The loan service is no longer operating to provide the updates to my credit report so how is Equifax in good faith verifying this information is accurate. In addition, these loans are reflected accurately on my XXXX and XXXX credit reports. I am including in the attachments a copy of the closed dispute from Equifax. I am also including a copy of the letter from the US Department of Education stating that these loans have been rehabilitated and I have included proof that XXXX XXXX XXXX is no longer operational.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX RE : Collection Removal Request Dear TransUnion Representative, I am writing to formally dispute and demand the removal of a collection from my consumer report which has been reported as public information, in violation of the Fair Debt Collection Practices Act ( FDCPA ). 

I have recently reviewed my credit report and identified the following collection account : * Creditor : XXXX XXXX LL * Account Number : XXXX * Reported Balance : XXXX * Date of First Delinquency : XX/XX/XXXX The FDCPA states that non-public personal information can not be disclosed without the consumer 's consent. The information listed above is private and should not have been included in my credit report as public information. Therefore, reporting this collection is a direct violation of the FDCPA, and it should be removed immediately. 

I am hereby requesting that TransUnion : 1. Remove the aforementioned collection account from my credit report. 
2. Conduct a thorough investigation of the reporting of this collection. 
XXXX. Provide written confirmation of the removal of this collection. 

Please be aware of the legal consequences that may arise from not fulfilling this request. Failure to comply with the terms of the FDCPA is subject to monetary damages under 15 U.S.C. 1692k. 

I expect a prompt resolution for this serious matter. Please remove this collection from my consumer report and send me written confirmation within 30 days. 

Thank you for your attention to 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 2021-11-09
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports.

I have been steadily waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : PORTFOLIO RECOV ASSOC - XXXX Balance {$4700.00} ; PORTFOLIO RECOV ASSOC - XXXX Balance {$1000.00} ; PORTFOLIO RECOV ASSOC - XXXX Balance {$1300.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-20
Company: FISERV INC.
State: SC
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: Problem with personal statement of dispute

Complaint:
Fiserv aquired XXXX XXXX on XX/XX/XXXX. The Fiserv XXXX Form 10 -K did include the aquisition of Merchant XXXX and excluded the liabilities of XXXX XXXXXXXX. XXXX XXXX was liable to this case prior to aquisition. We discovered on XX/XX/XXXX the aquisition after XXXX XXXX obstucted. Fiserv is liable upon aquisition of XXXX XXXX. XX/XX/XXXX Fiserv declined disclosure based on false statements and hearsay from XXXX XXXX upon factual evidence, facts, and time line we disclosed. XXXX XXXX aquired our unique data on XX/XX/XXXX, our unique data was used to open a fraudulent bank account at XXXX XXXX XXXX to facilitate a fraudulent merchant account at XXXX. Fraudulent transactions went through both accounts. XXXX verified and confirmed identity theft at XXXX XXXX XXXX, XXXX verified and confirmed identity theft with XXXX XXXXXXXX on XX/XX/XXXX. XXXX closed both fraudulent accounts on XX/XX/XXXX. XXXX placed our data on the XXXX for XXXX XXXX identity theft on XX/XX/XXXX. The unique data came from XXXX XXXX and aquired on XX/XX/XXXX and used to facilitate both fraudulent accounts causing the XXXX. On XX/XX/XXXX XXXX XXXXXXXX claimed in a XXXX report to the New Hampshire attorney general XXXX XXXX became aware of a data breach and identity theft occured within. We were never notified from XXXX XXXX of the breach or identity theft, or the XXXX. XXXX XXXX claimed an ongoing investigation to locate victims in the XXXX. We discovered the XXXX on XX/XX/XXXX during and ongoing investigation at XXXX XXXX from a different source. Our businesses were frozen due to the Match. XXXX XXXXXXXX was notified of the Match on XX/XX/XXXX during their claimed ongoing investigation and began to obstuct by blaming XXXX XXXX as the source of the Match knowing XXXX placed the Match for Code 14 identity theft on XX/XX/XXXX. XXXX XXXX was obstructing this case to maintain the value of XXXX XXXX before the aquisition of Fiserv. Prior to the Fiserv aquisition of XXXX  XXXX, Fiserv aquired XXXX XXXX in XXXX, in which the prior owner of XXXX XXXX was found guilty of opening fraudulent merchant accounts to XXXX. While our businesses, data, credit, websites, products, and patents are frozen and destroyed due to the XXXX caused by XXXX XXXX. The Match is a weapon. Fiserv aquired liability to this case and has declined additional disclosure. XXXX XXXX XXXX admitted, disclosed, and now obstructs. XXXX admitted and disclosed supporting evidence. XXXX XXXX obstructed. This document is an update to the XXXX XXXX XXXX complaint. Fiserv has denied additional discloser. XX/XX/XXXX XXXX was requested to provide a resolution proposal with terms and condition to mediate and mitigate and has refused.

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 2023-12-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.

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 2023-11-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Please update my credit report to one name and address only. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX as I have disputed all other information as it being wrong and for months it still has not been successfully updated as I am constantly told that names that are not mine nor addresses mine, apparently are correct on my credit report. THEY ARE NOT!!

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 2022-12-26
Company: Source Receivables Management LLC
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
The company Source Receivables Management mailed me a notice on XX/XX/2022 stating they were trying to collect a debt that I owed XXXX in the amount of XXXX, I personally called XXXX myself and they told me they no longer owned the debt and sold it to Source Receivables Management, this company is in violation of 15 USC 1692j ( a ) which states, it is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor when in fact such person is not so participating. Through the response received from XXXX  apon me calling in regard to this account I would like to inform you that your company has violated 1692j ( a ) because your Company furnished a deceptive form to create a false belief in me as a consumer that the creditor was attempting to collect the debt but in reality, it was not true. This company is in violation of 15 USC 6802 : Obligations with respect to disclosures of personal information, your company has created an account on my behalf using my social security number without my consent this offense is aggravated identity theft pursuant to 18 USC 1028a they have knowingly. transferred, possessed or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years imprisonment, in addition to civil liability. According to 15 USC 1692a ( 2 ), the term Communication means the conveying of information regarding a debt directly or indirectly to any person through any medium, as per the literal interpretation Any medium includes any oral, written, electronic, or other medium, Therefore, furnishing of the consumer report bearing information regarding the alleged debt by the Company will amount to communication as per Fair Debt Collection Practice Act Pursuant to my rights as per 15 USC 1692c ( c ) I am hereby providing you formal notice to cease any further communications regarding this account immediately, This includes but not limited to telephone calls, emails, social media, or any Consumer Reporting Agency. Any further contact by your agent or company, except a communication confirming your acknowledgement of this letter, is in volitation of the Fair Debt Collection Practices Act. If you do not cease communication a lawsuit will be commence against you. I have attached the initial letter you sent me showing that you were acting like XXXX was participating in this alleged debt collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27
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:
Kindly address this issue on my credit report. I assert that this account is not mine and believe it to be fraudulent. I urge you to correct this mistake and have provided supporting documents for verification.

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 2022-12-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR
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:
XXXX Account # XXXX and XXXX XXXX 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 Section 2 : Al 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 reports containing any of the following items of information that are any other adverse item of information, other than records of convictions of crimes which antecedates 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 other consumer reporting agency if the person 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 2020-06-19
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, 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:
XXXX XXXX is reporting and account on my credit file that is actually past the statue of limitations. I have disputed it with the bureaus and XXXX has said the information they are reporting is accurate. That is not accurate. There has been no payments or activity on that account for over 7 years. They sent a correspondence showing the last four of the  account number as XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04
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:
I am writing to express my concern and submit a complaint to TRANSUNION regarding the improper use of my credit report and the reporting of inaccurate information on my file. I previously sent a letter to your office requesting an investigation into certain unverifiable accounts. Despite your assurance of conducting a proper investigation, upon reviewing my credit report, I discovered that inaccurate information persists. The discrepancies include but are not limited to, the date opened, date of last activity, date reported, account status, and payment history. It is disheartening to note that such inaccuracies continue to be reflected in my credit report, despite the initial request for investigation. I believe this situation infringes upon my rights as outlined in 15 U.S.C 1681 section 602 A, which emphasizes my right to privacy. Additionally, 15 U.S.C 1681 section 604 A Section 2 stipulates that a consumer reporting agency can not furnish an account without my written instructions. I kindly request a thorough review of my case and the prompt correction of the inaccuracies in my credit report. Your cooperation in resolving this matter is highly appreciated. I trust that, as a reputable credit reporting agency, TRANSUNION will take the necessary steps to rectify this situation and ensure the accuracy of the information in my credit file. I have attached an FTC report with the report number XXXX to support this complaint.

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 2023-12-04
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:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$46000.00} XXXX XXXX XXXX Balance : {$0.00} 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 2022-12-27
Company: EQUIFAX, INC.
State: PR
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:
XXXX Account # XXXX and XXXX XXXX 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 Section 2 : Al 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 reports containing any of the following items of information that are any other adverse item of information, other than records of convictions of crimes which antecedates 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 other consumer reporting agency if the person has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-12
Company: EQUIFAX, INC.
State: GA
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 XXXX account 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 : also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-27
Company: Experian Information Solutions Inc.
State: PR
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:
XXXX Account # XXXX and XXXX XXXX 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 Section 2 : Al 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 reports containing any of the following items of information that are any other adverse item of information, other than records of convictions of crimes which antecedates 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 other consumer reporting agency if the person 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 explanation