BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-02-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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: Was not notified of investigation status or results

Complaint:
Dear CFPB, I have been trying to work with Transunion for several months regarding a recent omitted information pertaining to my personal credit record. To date I have received no resolution to the matter. They have omitted a positive tradeline from my credit file and are willfully not reporting. This omitted information is making my credit file appear to have limited years of credit. I have had a tradeline with XXXX  / XXXX since XX/XX/1999 with a perfect credit history. The only correspondence that I have received is response from transunion trying to blame XXXX/ XXXX XXXX for the error. I reached out to XXXX/ XXXX and they confirmed that they are making the reportings to all three bureaus every month as they always have. They advised me that they had no dealings in removing this from my report last XX/XX/XXXX and have notified Transunion to update accordingly. It is my belief that Transunion is willfully not reporting and it is damaging my credit history. Can you please help me resolve this matter as Transunion is unresponsive to the matter. 

Thanks, 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 2023-08-20
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I am writing to address fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing distress and concern. I am a victim of identity theft and have taken immediate action to report it. It is crucial to rectify this situation promptly as it has negatively impacted my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation. I am willing to provide evidence and, if necessary, pursue legal action to protect my rights and seek compensation. Your prompt attention to this matter is appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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 am aware of the heightened amount of Stall Tactics due to COVID-19, but I have verified that I am not a credit repair company, and I am sending this letter to dispute that there is a few accounts on my credit reports that are not mine. Please remove them immediately. Thank you.

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 2023-08-28
Company: EQUIFAX, INC.
State: NC
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 name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09
Company: Experian Information Solutions Inc.
State: MD
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 want to emphasize that I have no affiliation with these creditors, and I did not initiate this inquiry on my credit report.

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 2023-03-27
Company: WELLS FARGO & COMPANY
State: AL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
I bought a XXXX XXXX XXXX XXXX at 13 % + in XXXX while in the military. After financing issues, I was approved. I paid the XXXX off in about 3 years when I XXXX in XXXX. Once I get back from XXXX, I found letter stating that I was being sent to collections due to under payment even though I asked for a 30 day payoff and submitted payment within 10 days. It has no phone off of my report, but I did not receive the difference from the gap insurance payment. This company damaged my credit for seven years, and now I have found out shady practices were being used.

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 2023-07-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-15
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I recently filed a dispute with Equifax Information Services regarding a late payment being reported by XXXX XXXX XXXX for a personal account with a delinquency date first reported on XXXX and then again on XXXX. I advised Equifax that the information was incorrect due to the fact that during those times I was under federal bankruptcy protection and provided a copy of my bankruptcy XXXX paperwork which provided the start dates of XXXX - XXXX for bankruptcy protection. I then advised that under federal law they are unable to report any or update any negative or positive information on my credit file while I was under bankruptcy protection. Despite having the required documentation Equifax determined that XXXX XXXX XXXX was correct in placing this illegal negative report on my credit file, despite me being under bankruptcy protection.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-27
Company: JPMORGAN CHASE & CO.
State: OH
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 mailed my written request for validation, verification, and incorrect credit reporting to be deleted. I also requested a refund for all payments I made towards the alleged debt. As of today 's date XX/XX/XXXX JPMCB Card ( " JPMCB '' ) is still communicating false and inaccurate information to XXXX with no permissible purpose which violates 15 USC 1692e ( 8 ). My rights as a consumer are being violated pursuant to 15 USC 1692h. My instructions were not followed. I requested the name and address of the original creditor of the alleged debt and JPMCB failed to provide me with it. I am aware that I am in fact the original creditor. 

I am facing adverse actions due to the false and inaccurate reporting. I continue to be denied credit and my XXXX XXXX has dropped significantly. 

I mailed out my written requests on XX/XX/XXXX and JPMCB received my communication on XX/XX/XXXX, XXXX pm as evidenced by XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28
Company: EQUIFAX, INC.
State: NV
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 have made several attempts to address the issue of fraudulent, inaccurate, and misleading items appearing on my consumer report. These items have had a significant impact on my life and have caused immense stress. I want to emphasize that I never authorized any of this information to be associated with my name, as I am a victim of identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-15
Company: EQUIFAX, INC.
State: FL
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:
XX/XX/18 wanted a release of credit freeze for a day. Had to give equifax data that was not available me @ the XXXX store. XXXX data to Equifax XX/XX/XXXX and they told me the release of freeze would be in 1 hour and last for 24 hours.Returned to XXXX XX/XX/XXXX and credit freeze was not lifted. Equifax wanted me to go through the same mind boggling questions .ried to do that at XXXX but Equifax was not satisfied. Tried to escalate my problem but got nowhere. XXXX was able to get around problem and start my account. 

Equifax claimed there was a computer problem. They are extremely difficult to deal with. Either they should be required to have more competent employees or computers that work properly or both.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06
Company: Experian Information Solutions Inc.
State: CT
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:
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.

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 explanation
Consumer complaint received 2023-08-28
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-25
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I have been sending dispute letters asking for this egregious bankruptcy to be removed from my report as they have not provide the original court records or documents to provide proof I filed this bankruptcy myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I recently requested all 3 of my credit reports from XXXX, however, due to internet failure, phone drop, or whatever it was I couldn't get my Transunion report.Upon going over and comparing reports I found that alot of information is being reported illegally, inaccurate, and non-compliant with false information about me.The accounts in reference are as follows : Balance XXXX, XXXX reports date opened XX/XX/XXXX, yet comes at the end and says it was opened XX/XX/XXXX, then it says last payment XX/XX/XXXX when on pay chart last payment was infact XXXXt lacks critical information and reporting according to CDIA Metro 2 compliance regulations. Next account : Is valued {$600.00} which violates majorly when my information was obtained without consent and no lawful proof of debt, same with account owing {$290.00}, its listed as being for another company, then it says the account was opened XX/XX/XXXX, delinquency first reported XX/XX/XXXX, no lawful debt or original papers.Everytime I dispute something thru XXXX it comes back verified without any type of explanation as to how, who did you talk to, did you validate original paperwork..nothing, just it's verified.This misfortune has cost me loans in time of need, housing, credit cards with good APR along with alot of other stuff.Under fair credit reporting at, section 611 ( 5 ) ( A ) I ask that all information that is inaccurate, incomplete, or which can not be verified be removed immediately..Thank you..

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 2022-08-18
Company: Medical Business Bureau
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is not my personal account. The dates of opening, last reporting, and last active are all incorrect!!! You don't even validate this account!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-24
Company: Choice Recovery, Inc.
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Choice recovery inc. is attempting to collect a debt in the amount of {$320.00} from XX/XX/2016 that I do not owe because I had insurance through Medicaid/ caresource at the time that covered 100 percent of my medical expenses and have had the same insurance since then to present day. This is severely negatively impacting my credit and has been for some time and I want it removed from my credit report immediately as I know that this debt was paid. I intend to prove this by attaching a copy of my insurance card so that this can be confirmed

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: AL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have reached out to the company on several occasions to try and resolve my issue. I have also disputed their reporting with the Credit Bureaus to no resolution. I have asked for proof the debt belongs to me such as written agreement creating my original requirement to pay. I was told and provided a statement copy, which does not establish my ownership of the account in question. Several agents told me this is the only information available. The agency continues to call several times a day regarding this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20
Company: Experian Information Solutions 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 XXXX XXXX # XXXX XXXX XXXX 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.

with this violation occuring It has created hardship with me being able to utillize my credit report to get approved for housing, I havent been able to get the best rates on auto loan to purchase a car causing issues with finding jobs in my area that require traveling. Im not able to apply for major credit cards to start funding a business this has me in a financial hold. Not being able to apply for personal loans to help pay bills such as medical, rent, utilities.

Company response to consumer: In progress
Consumer complaint received 2023-04-19
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I recently requested all 3 of my credit reports from XXXX, however, due to internet failure, phone drop, or whatever it was I couldn't get my XXXX report.Upon going over and comparing reports I found that alot of information is being reported illegally, inaccurate, and non-compliant with false information about me.The accounts in reference are as follows : Balance XXXX, XXXX reports date opened XX/XX/XXXX, yet comes at the end and says it was opened XX/XX/XXXX, then it says last payment XX/XX/XXXX when on pay chart last payment was infact XXXX lacks critical information and reporting according to CDIA Metro 2 compliance regulations. Next account : Is valued {$600.00} which violates majorly when my information was obtained without consent and no lawful proof of debt, same with account owing {$290.00}, its listed as being for another company, then it says the account was opened XX/XX/XXXX, delinquency first reported XX/XX/XXXX, no lawful debt or original papers.Everytime I dispute something thru XXXX it comes back verified without any type of explanation as to how, who did you talk to, did you validate original paperwork..nothing, just it's verified.This misfortune has cost me loans in time of need, housing, credit cards with good APR along with alot of other stuff.Under fair credit reporting at, section 611 ( 5 ) ( A ) I ask that all information that is inaccurate, incomplete, or which can not be verified be removed immediately..Thank you..

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09
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 did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report.

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 2022-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
I demand this account removed for my credit report because it was incorrectly published without my hand written consent. As a consumer I am protected by 15-USC-1681 sec A & B And my rights have been violated 1 ). 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