BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
No theft protection service provided ; Im a victim of YOUR breach. I began remedying, but hackers prevented me from proceeding back in XXXX! I ran my emails and it came up that I was a victim of your breach. In fact, I caught on to these hackers n XXXX, however according to running my emails to see who has my private info, it goes back to XXXX, and they are STILL HACKING ME, wrecked my credit, broke into my home, wrecked everything I own, run my electronics remotely ( per police ), yet nobody is helping me! My vehicle was repoed illegally as my account was current! Here were 2 other social security numbers on my credit per XXXX ( Im a victim of their breach, so I just found out ). I had them removed. One ended in the year I was born! When you see additional social security numbers on an account, other than the one belonging to the person, doesnt that raise a RED FLAG?! Ive contacted you repeatedly to put security on my file. Then, got a letter in the mail stating it was lifted per MY REQUEST! I never asked you to remove it! But, it was on ALL bureaus! XXXX Ive had calls from someone in XXXX  saying all my private information was all over the state of TX! Ive have fraudulent mail saying I owe taxes in a state I never lived or worked in! Hounded me for 3 years! Addresses wrong ; notifications of utilities verifying I requested services in towns Ive never heard of ; getting codes on my phone for my cards and which I never requested ; phone calls, mail, emails for people using my info to get jobs, etc. My phones tapped, per XXXX XXXX, my calls and messages intercepted, emails hacked, stolen, contacts stolen and disappeared off of sites, and tons more. I need help here!! My credit was XXXX 2 yrs ago! My credit scores do not match payments Ive made, paying off XXXX  XXXX, etc. I demand justification, remediation immediately!

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 2023-05-05
Company: Experian Information Solutions Inc.
State: OH
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:
XXXX XXXX, a debt collector, suddenly put a collections on my report in XXXX from an apparent XXXX issue. When asking to provide documentation of the debt, they refused. I contacted Experian and XXXX to dispute the collections and have them provide documentation or some sort of verification from XXXX XXXX and they did not. At no point have I lived at the address they quoted for service or done business with the original company.

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 2021-10-18
Company: Experian Information Solutions Inc.
State: CA
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:
XXXX XXXX  XXXX has done a hard inquiry without my authorization. My credit score has gone low due to this. I want this inquiry to be removed from my credit report asap. I an not looking for a house now specially this year. I am trying to better my credit and don't expect some company to run my credit any time. Please correct this.

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 2023-11-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I received a copy of my credit report from your bureau on XX/XX/XXXX and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate 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

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 2023-06-13
Company: Experian Information Solutions Inc.
State: MI
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:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. 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.

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 2023-01-02
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 is missing that should be on the report

Complaint:
My credit report with equifax is inaccurately being reported. My credit report dropped XXXX points due to loans not being reported such as my mortgage, and installment loans such as my car and all credit cards are missing. When I called Equifax they stated my all my accounts were being reported, but I explained to them that my accounts were not being reported from what I could see. I mentioned to the representative this has happened before. I had to ask to have this escalated to next level because of inaccurate reporting and the effects it can have to my daily life. I asked to speak to someone else. I was told someone call me and that they would send me my credit report in the mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-12
Company: JPMORGAN CHASE & CO.
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This account does not belong to me. I have disputed it more than once it has cost me a lot of issues. I have not been able to properly care for my son. I have attached my id theft report below.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-09
Company: Experian Information Solutions Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Experian Dispute by Mail XXXX XXXX  XXXX XXXX, TX XXXX XX/XX/XXXX RE : Report # XXXX / Account # XXXX To whom it may concern, I am notifying you that the following items are not reported correctly for the reasons indicated previously. I prefer that we both avoid the pursuit of my rights under 15 USC Sections 1681n and 1681o, which require your compliance with the law. The account is not mine and contains a XXXX  store as a home address, which is also not mine. 
Removal Requests : # 1 XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX Reported date XX/XX/XXXX On XX/XX/XXXX at XXXX XXXX, XXXX XXXX XXXX called and asked my name and where I lived, but XXXX would not provide me any more information after repeated questioning. Later I found out that XXXX called me because they intended to illegally change the bad address on their initial account illegally placed on my credit. On XX/XX/XXXX, XXXX removed the same illegal XXXX, XXXX account for inaccurate information due to a similar dispute I sent. Likewise, I tried to dispute this same issue with Experian via the online dispute system, but the Experian staff did not correctly dispute and remove this illegal account. As stated before, I never lived at a XXXX store, and Ive never done business with XXXX XXXX XXXX XXXX. If you can not remove this account or prove that I lived in a XXXX store ( bad address & information reported by XXXX ), I will have my lawyer contact you. 
Once again, I am notifying you that these items are not reported correctly for the previously mentioned reasons, and I am asking you to reinvestigate them. According to the Fair Credit Reporting Act, Section 607, you must ensure maximum accuracy of the information contained in my credit report. 

Let me know if you need any additional information to verify my identity and remove the illegal XXXX XXXX XXXX account. 

Thank you for your time and attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX cell

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 2023-03-26
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Equifax website sent me security code on XX/XX/XXXX. I signed up. I tried to log in today XX/XX/XXXX. Now I get " We are temporarily unable to complete this request. Please try again later. '' every time I try to log in. I tried several times, and the website never works.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
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:
the following accounts appear on my credit report, without any authorization, they are not mine, please review them Identity Theft XXXX XXXX XXXX  Account Number : XXXX This is not mine. 

6. Identity Theft XXXX XXXX XXXXXXXX Account Number : XXXX This is not mine. 

7. Identity Theft CAPITAL ONE BANK USA N Account Number : XXXX This is not mine. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02
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 account listed below continues to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus, but no answer was received. This account must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide with the law in order for this matter to be resolved promptly. 
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 2021-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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 first want to state that this complaint is being submitted on MY OWN BEHALF. This is NOT a third party company. I XXXX XXXX XXXX am seeking remedy in the form of monetary relief for the violations that TRANSUNION has committed against the me a natural person. I have submitted numerous complaints and only half of my instructions and demands were honored. I have also called TRANSUNION to get remedy in private however to no avail and was instructed that they can only submit disputes. I have demanded all account items be deleted and the FICO score be re calculated to the highest numerical value of XXXX. In addition I recently received proof that my consumer rights were violated. I received investigation results that displays 7 deletions. Not only were those 7 account reporting for years i the natural person was denied extensions of credit which is discrimination of character because credit is the right granted by the consumer and not a bank. According to the National Banking Act banks can not lend their own credit. Credit can only be extended originally by the natural person. TRANSUNION is liable for the violations and I am demanding remedy due to those violations pursuant to the FCRA

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 2020-03-24
Company: Experian Information Solutions 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:
Hi, for the past 6 months I've been going back and forth the credit reporting agencies regarding these accounts in question and the reason for this is because I know that these accounts are being reported incorrectly. Under the Fair Credit Reporting Act ( 609 ) it is my right to challenge any account in my credit if I believe they are being reported inaccurate, unverifiable or incomplete. I believe they are and some of them have been corrected on some of the bureaus and some have not. I would like to make this complaint to show the level of urgency I have towards this matter. If you can please help I would really appreciate it. These accounts have to be deleted since they are holding my credit scores back and I'm looking to use my credit soon to make a major purchase. Thanks! 



1. Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balnce XXXX Reporting on : XXXX  Experian and XXXX. I was NEVER late on this account please remove this negative information from my credit report 2. Account Name : XXXX  XXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Reporting on : Experian and XXXX. I have no financial obligation with your company please delete this information from all credit reports like XXXX  has done 3. Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Reporting on : Experian and XXXX. I have no financial obligation with your company please delete this information from all credit reports like XXXX has done 4. Account Name : Unknown Collection Number : XXXX Date Opened : XX/XX/XXXX Reporting on : Experian, XXXX, XXXX XXXX I have no financial obligation with your company please delete this information from all credit reports 5. Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Reporting on : XXXX  and Experian I have no financial obligation with your company please delete this information from all credit reports like Equifax has done. 


5. Account Name : XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Reporting on : XXXX, XXXX and Experian. I have no financial obligation with your company please delete this information from all credit reports. 


5. Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Reporting on : Experian I have no financial obligation with your company please delete this information from all credit reports like XXXX  and XXXX have done, for thsi account is and never has been mine

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 2022-04-09
Company: Paypal Holdings, Inc
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I looked up my neighbor on Venmo and showed her the picture and profile and she said " yep it's me '' so I sent her the XXXX she didn't get it so if course it wasn't her profile. I immediately contacted the lady I thought was her and also customer service and nothing! I needed that money for medication and food for my children. I feel like everyone says this but I swear it's true. You can't tell me that they couldn't see the conversation between me and the jerk that kept the cash. It stinks! I'm just XXXX out of luck??? The date this happened was approximately XX/XX/2021 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-24
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:
XXXX  ; XXXX  and Transunion are reporting incorrectly a collection/chargeoff in the amount of {$27000.00} on the XXXX   partial account number ****XXXX. ( Please see page attached from my credit report. ) The vehicle was returned to the dealership within the time frame allotted to do so. The vehicle was then sold at auction and sold for more than what was owed and therefore this account needs to report at {$0.00} balance. There is no outstanding balance and consequently no collection amount to chargeoff. This false reporting of a collection/chargeoff is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

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 2020-03-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
I never had this account, i have never applied for this companies. I know that somebody used my personal information and applied for this companies, i never had contracts or agreements with XXXX XXXX XXXX XXXX. I'm not responsible for this debt.

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 2020-03-24
Company: Experian Information Solutions Inc.
State: CT
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:
Experian is reporting an inaccurate account with XXXX XXXX XXXX. It is incorrectly listed as Open. It has been closed/transferred. I disputed the item with Experian but Experian did not investigate the item or even attempt to verify it with the company. I called XXXX XXXX XXXX and was hung up on by two supervisors ( XXXX ph : 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 2022-04-09
Company: EQUIFAX, INC.
State: PR
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:
On XX/XX/XXXX I contacted Equifax about the following negative accounts ; XXXX ( Account Number : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$15000.00} ), XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$120.00} ), XXXXXXXX XXXX ( Account Number : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$120.00} ), XXXX ( Account Number : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$180.00} ), XXXX  ( Account Number XXXX XXXX, Date Opened : XX/XX/XXXX, High Credit : {$1200.00} ), XXXX XXXX  ( Account # XXXX, Date Opened : XX/XX/XXXX, High Credit : {$72000.00} ). Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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