BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-03
Company: Experian Information Solutions 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:
I appreciate your taking the time to DELETE some of the erroneous accounts in my credit file ; however, there are still many accounts that need to be DELETED. The credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts be DELETED immediately. 

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 2020-12-02
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
XXXX XXXX XXXX XXXX XXXX, TX XXXX -- -- - XXXX XXXX XXXX XXXX XXXX, TX XXXX < -- ALL THESE ADDRESSES ARE NOT MINE ***FCRA Violation -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - XXXX XXXX XXXX {$8700.00} XXXX XXXX XXXX {$320.00} XXXX XXXX/XXXX XXXX {$590.00} XXXX  XXXX XXXX XXXX XXXX {$940.00} XXXX XXXX XXXX XXXX {$590.00} XXXX XXXX XXXX XXXX {$1200.00} XXXX XXXX XXXX XXXX {$1000.00} < -- - ALL THESE ACCOUNTS ARE NOT MINE. FCRA Violation

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14
Company: Experian Information Solutions Inc.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: In progress
Consumer complaint received 2024-01-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA
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 sold and bought illegally because I was victim of the XXXX data breach. L 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 deleted Account # XXXX XXXX XXXX. 
Please help me delete these illegal items from my credit report immediately. Account # XXXX XXXX XXXX XXXX. Account # XXXX XXXX XXXX. Please delete these accounts from XXXX and Transunion as well.

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 2024-01-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 reviewed my consumer reports and noticed that I had a late payment on an account I was never late on. The consumer reporting agencies have assumed a vital role and have a responsibility to report information to the best of their ability and with maximum accuracy. I have never been late for the account that I have included screenshots inside this complaint on the dates of XX/XX/23. Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact I was never late. Thanks! Please see attached.

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 2023-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
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, Account name : # XXXX, Account name : # XXXX, Account name : # 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 response to consumer: In progress
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: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
The consumer reporting agencies are reporting an account to my credit report. I demand an Affidavit showing what Permissible Purpose they have to report this information in accordance with 15 usc 1681B. I expect the section for which they have permissible purpose and who they are using it in conjunction with. I would also like to see who they are speaking with on my private information in accordanace with 15 usc 1681i

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 2024-01-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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 third time requesting the below items be removed or proof that they are mine be provided. These are not my accounts and I have filed a police report due to my wallet being stolen in XXXX and then all of this shows up a year or so later. 

XXXX XXXX {$680.00} XXXX XXXX XXXX {$700.00} XXXX XXXX  XXXX XXXX XXXX XXXX XXXX {$5300.00} XXXX XXXX XXXX I Closed on XX/XX/XXXX XXXX/XXXX  Closed on XX/XX/XXXX XXXX/XXXX  Closed on XXXX XXXX, XXXX XXXX/XXXX  Closed on XX/XX/XXXX XXXX Closed on XXXX XXXX XXXX XXXX XXXX Closed on XXXX XXXX XXXX I contacted each company and they couldnt provide any information and when I gave my address social they either couldnt verify me or had no record. 

My Identity Theft Report reference number is XXXX and my police report number is 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 2024-01-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
**This is not a duplicate complaint** This is a new complaint with the same company** I have an account with a XXXX XXXX through XXXX XXXX. The account is set up with autopay to avoid worrying about the monthly payments. Yesterday, I noticed the autopay hadn't been charged for a long time and decided to log into the XXXX account to make sure the autopay was still set up. The autopay is still set up, and everything looks fine ; I noticed a balance of {$280.00}, so I decided to program the payment manually. Later that day, XX/XX/, I received a notification from my credit report stating that the XXXX XXXX  reported late payments on my credit. Even though they have a bank account set up as autopay, they never contacted me via phone, mail, or email to inform me if it is any issues relating to the autopayment. Now, my credit report shows one late payment from a XXXX XXXX, which affects me as a consumer for my future purchases. I have tried to call multiple times since yesterday and chat with customer service, but there is no answer.

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 2024-01-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 on my credit report. It is not belong to me. It 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 2023-11-07
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting 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 XXXX XXXX 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 2023-11-07
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
As I get another worthless email from experian saying they are still working on the issue I pay another XXXX bill on time that's recorded on the experian and XXXX  website. Experian does nothing to address this issue but later closes the complaint with a letter saying something to the effect they can't insert something into my file, EXCUSE ME WHO ASKYOU TO DO THAT ASKING TO PUT BACK WHAT YOU STOLE FROM MY REPORT BUT MEAN WHILE PUSSH THE CREDIT CARDS HOURLY

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 2024-01-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 on my credit report. It is not belong to me. It 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 2024-01-11
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: Reporting company used your report improperly

Complaint:
CASE NUMBER : XXXX Department of Revenue I have recently become aware of a significant legal development regarding child support, which directly impacts the validity of the aforementioned cases. According to a recent Supreme Court ruling, child support has been declared unconstitutional under Article 3, Section 1. In light of this ruling, I firmly believe that all prior child support orders and associated arrears should be vacated. 

I kindly request that you carefully review the implications of this ruling and take appropriate action to vacate the listed cases, including any previously ordered child support and related arrears. It is crucial to align our legal system with the principles established by the Supreme Court and ensure justice for all affected parties The Equal Protection Clause of the Fourteenth Amendment to the United States Constitution reads : " No State shall ... deny to any person within its jurisdiction the equal protection of the laws. '' I believe that my child support order, as it currently stands, unfairly discriminates against me and infringes upon my constitutional rights. I respectfully request that the Department of Revenue, State of Florida, re-evaluate my child support order, taking into consideration the following reasons for termination : Equal Protection : The current child support order places an unfair burden on me and does not provide for equal protection under the law, as mandated by the Equal Protection Clause of the Fourteenth Amendment. 

Best Interests of the Child : I believe that terminating the child support order is in the best interests of the child, as my ability to provide emotional and financial support has been severely hindered. 

The above IV-D case number is depriving me of inherent and indefeasible rights, privileges, and immunities secured by the federal and state constitution. 
Thank you for you cooperation

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 2024-01-11
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 items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the XXXX credit bureaus was dated XX/XX/ but I never received a response from them. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Balance : {$1400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$22000.00} XXXX XXXX Balance : - XXXX XXXX XXXX XXXX XXXX Balance XXXX - XXXX XXXX Inquired on XX/XX/ XXXX XXXX XXXX XXXX XXXX Balance : {$1600.00} XXXX XXXX XXXX XXXX Balance : {$22000.00} XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX  XXXX XXXX XXXX Balance : XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Balance : {$1600.00} XXXX XXXX XXXX XXXX XXXX : {$23000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : -

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 2023-11-29
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: 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 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 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 2024-01-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I became aware of my identity being stolen when XXXX notified me via email on Monday, XX/XX/XXXX, stating that a credit inquiry had been initiated bXXXX XXXX XXXX XXXX, a financial institution I had never engaged with before. The following day, XX/XX/XXXX, I received an email from XXXX XXXX XXXX  congratulating me on the approval of a new credit card, which I had not applied for. Taking immediate action, I contacted XXXX XXXX XXXX to request the cancellation of the line of credit, making it clear that I was not the individual who initiated the credit request. 

Subsequently, I reached out to XXXX to file a dispute and promptly reported the incident to the Federal Trade Commission. Shortly after that, I received another email from XXXX XXXX regarding an XXXX XXXX card that had been opened in my name. To address this, I contacted XXXX XXXX and requested the closure of the account associated with the fraudulent activity. They informed me that if XXXX XXXX XXXX  closed the credit account, the XXXX XXXX card would automatically be closed because of the affiliation between the two. 

I filed a police report on XX/XX/2024, with XXXX XXXX of the XXXX XXXX Police Department, XXXX XXXX recommended that I file this report with IC3.gov. 

I contacted all three credit bureaus to initiate a freeze. However, I encountered an issue with TransUnion when the representative started asking me unrelated and confusing questions, like the residence locations of unfamiliar individuals. This prolonged questioning and the agent 's heavy accent made it challenging for me to comprehend. When I expressed my difficulty in understanding, she mentioned that due to my perceived failure in the verification process, I needed to call back after XXXX hours to implement the freeze, before ending the call she tried to sell me a product. 

I then went online where I was able to place the freeze on TransUnion Credit reporting free of the condition of product purchase.

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 2024-01-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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. The 3 credit bureaus are required to authenticate the account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. 
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 2024-01-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
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 2024-01-11
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: 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.

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