BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 belongs to someone else

Complaint:
INQUIRIES FOR ACCOUNTS THAT ARE NOT OPEN ACCOUNTS. DO NOT BELONG TO ME. I HAVE NO KNOWLEDGE OF THEM. I APPLIED FOR A HOME LOAN THIS YEAR ( 2023 ) ONLY AND WAS DENIED DUE TO 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 2023-08-10
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: Their investigation did not fix an error on your report

Complaint:
I have had some charge off and collection accounts paid and deleted for the year of 2023. I dont see any improvement in my scores for the three bureaus and feel that this needs to be looked at by another set of eyes from XXXX until now. I dont feel my scores are correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
The current issue is causing me significant distress and is having a negative impact on my sleep. It is challenging for me to accept this situation. I implore you to take immediate action to update my account. I have consistently made timely payments in the past, and it is unfair for me to be penalized for something that is not my fault.

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 2023-08-10
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:
This is my 19th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific accounts in my credit file that do not belong to me. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts : 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 2023-10-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: 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. I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : Account name : XXXX XXXX XXXXXXXX XXXX XXXXXXXX, Account name XXXX XXXXXXXX XXXX XXXX XXXXXXXX, Account name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account name : XXXXXXXX XXXX XXXX XXXX XXXXXXXX Fraud Address : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, FL XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, address, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 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. Also they aren't even in compliance with XXXX XXXX credit reporting. I have evidence to prove my case

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 2024-01-01
Company: PatientFi, LLC
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XX/XX/2023 {$4200.00} tried to contact company no reponse wrong contact info listed account was never delinquent.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting 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:
On XX/XX/2023 I spoke with XXXX  at transunion at XXXX informing her that my online access was blocked. On XX/XX/XXXX I spoke with XXXX through live that at XXXX and informed her that my online access has been blocked. On XX/XX/XXXX I spoke with XXXX at XXXXXXXX XXXX informing her that my online access has been blocked. I was told by XXXX on the XXXX that a supervisor was being notified and should reach out. I was told on the XXXX that an internal team was handling it. Still no access to my credit report, or dispute process. It is now XXXX the XXXX. I am asking that Transunion comply with the law, discontinue discrimination against me, stop causing me further financial harm and provide me with the same rights and access as stated in your website about all consumers

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 2023-08-24
Company: EQUIFAX, 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 don't want to see this on my credit report, I'm begging you this is not mine, This is totally 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 2023-08-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
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:
Incorrect personal information on my Transunion, XXXX and XXXX 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 non-monetary relief
Consumer complaint received 2023-07-17
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am writing to bring to your attention that my credit file contains a collection entry from your agency. However, I have never received any prior notification regarding this collection. Furthermore, I strongly believe that the debt being claimed is not accurate. According to the Fair Debt Collection Practices Act, I am entitled to request and receive validation of the debt. Therefore, I kindly request that you provide me with the necessary validation and take appropriate action to rectify this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
This is one of my numerous 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 an alleged fraud or extortion. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Please delete these accounts ASAP.

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 2023-03-21
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX, XXXX XXXX, XXXX XXXXXXXX, XXXX to remove off my credit report 15 u.s.c 1681 sections 602 A state I have the right to privacy. 15 u.s.c section 604 A sections for 2 : it state a consumer report agency cant report with out my writing permission. 15 u.s.c 1681s-2 ( a ) ( 1 ) a person shouldnt report anything to a report agency if information not accurate or right. 15 u.s.c 1681c ( a ) ( 5 ) no consumer report agency may report containing any of these items any advice information past 7 ur

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 2023-03-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I am a bank account holder at Capital One for over 20 years. They made me an offer today, as if it were enticing, to transfer balances to them at an interest rate of more than 19 %. In any interest rate environment, that is criminal. Other credit card representatives are doing similar now. How is this not criminal??

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16
Company: EQUIFAX, INC.
State: VA
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:
To Whom It May Concern, I am writing this letter to bring to your attention the presence of Inaccurate and Incomplete information on my Credit Report, which was recently discovered while I was in the process of applying for New Employment which can be considered an adverse action. 
I have obtained a copy of my credit report and found several items that are not correct, and I am concerned that these inaccuracies have adversely impacted my ability to obtain employment at this time. 
I have been advised by a legal acquaintance that these inaccuracies can be considered an adverse action under 15 U.S. Code 1681a, specifically section 603 ( k ) ( b ) ( ii ). As such, I kindly request the immediate correction and updating of the following accounts on my credit report : Inaccurate and incomplete Information : 1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Delete From My CREDIT REPORT 2. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX  Account Number : XXXX Delete From My CREDIT REPORT 3. 15 U.S. CODE 1681Q - OBTAINING INFORMATION UNDER FALSE PRETENSES XXXX  Account Number : XXXX Delete this account. 


4. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


5. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX 6. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-07
Company: Abra
State: MO
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
Back in XXXX, I invested a little over {$4000.00} in different cryptocurrencies ( XXXX, XXXX and XXXX ) through Abra XXXX XXXX XXXX XXXX XXXX. Today, these investments would be worth around {$12000.00} at the current market rates. 

On XX/XX/XXXX, Abra made an announcement that they have decided to end their retail operations in the US and gave users until XX/XX/XXXX ( 6 days ) to withdraw their funds. This announcement was made on their website and there was zero direct communications to users like myself about this. 

When I tried to withdraw my funds, I discovered that the value of my portfolio is {$0.00} with all of my crypto funds missing. I checked my transaction history ( see attached ) and confirmed that there were no transfers out of my account. Thus, I tried reaching out to Abra 's support team via multiple communication channels ( XXXX, XXXX, support email and support phone number ). However, Abra removed their support number from their site, removed the ability for users to message them on XXXX and their support chat system always states " There are no available agents '' After numerous emails to their support team, I received the following and only response from the Abra team : ********************************************************************** Hi XXXX, Thank you for your message. 

The XXXX XXXX prompt in-app was sent to existing users as early as XX/XX/XXXX. If you had not completed XXXX XXXX prior, any funds left within the Abra wallet are considered lost. 

As you never completed the required KYC ID verification process, your account was shut down and those crypto assets were zeroed out. 

We see that you have since completed XXXX, but this was only completed after your account was shut down. 

This can not be reversed and is final. We apologize for the poor experience this has caused. 

Best regards, XXXX ********************************************************************** I did not receive such notifications/nor warnings from Abra or otherwise, I would have completed any necessary tasks. Thus, I attempted to contact their team again via multiple email messages that went unanswered. 

Regards, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-29
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Chase closed my checking account because they couldnt verify my payrolls phone number. My check is sitting in a closed account. Until theyre about to verify it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-13
Company: CITIBANK, N.A.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
My Citibank account has been compromised from XXXX XXXX. 
Balance is approximately {$4.00} XXXX. This is a single name account with NO authorized person 's. 
I'm a victim of Identity Theft/Fraud for the past 3 years. Otherwise known as takeover fraud/theft. 

All of my identifying information & legal documents were stolen from my house. 

All of my asset 's are technically blocked/erased/hacked by Cyber Criminals. 

These individuals originate out of XXXX and XXXX Florida. They are a group of people that have had XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

They know things about me going back to my childhood. They know where I worked, names of friends & family, vacation destinations, home addresses, etc. I don't know them personally & I don't have any dealings business or otherwise in XXXX or XXXX Florida. 

My long standing bank accounts & brokerage accounts are currently not on XXXX XXXX under my name, Social Security number & birthdate. 

For example XXXX XXXX XXXXXXXX has {$7.00} XXXX, Citibank has {$4.00} XXXX & XXXX XXXX XXXX was approximately {>= $1,000,000} I have a list of names of people involved. They have threatened me, harassed me, XXXX me for the past years in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. It has continued here in XXXX. 

While I was in Texas I filed 10 police reports for Identity Theft/fraud, bank theft/fraud, credit card theft/fraud and death threats & several FBI Ic3 reports. Sheriff report filed in Florida XX/XX/XXXX. 

I believe the terminology used is " Erased '' Identity/takeover, Identity Theft/fraud. 

I've filed several complaints with the FTC, Ic3 FBI online systems, most recent : FTC XX/XX/XXXX ref # XXXX FTC XX/XX/XXXX ref # XXXX FBI XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX CA. 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 2023-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX  XXXX, Iowa XXXX Subject : Reporting Violations and Dispute of Debt Validity Dear Sir/Madam, I am reaching out to the CFPB to formally dispute the validity of a debt claimed to be owed by me in relation to XXXX XXXX ( Original Creditor ) with account number XXXX. I believe that my rights under several federal statutes have been violated, and I seek the CFPB 's intervention in this matter. 

Violations and Concerns : Unauthorized Inquiries : I have identified unauthorized inquiries on my credit profile. As per 15 U.S.C. 1681n, I am entitled to {$1000.00} for each unauthorized inquiry. 

Violation of the Fair Credit Reporting Act ( FCRA ) : My rights under 15 U.S.C. 1681a ( 2 ) ( K ) of the FCRA appear to have been infringed upon. 

Violation of the Equal Credit Opportunity Act ( ECOA ) : I believe there has been a violation of 15 U.S.C. 1691d ( 2 ) ( A ) of the ECOA. 

Violation of the Fair Debt Collection Practices Act ( FDCPA ) : There seems to be a breach of 15 U.S.C. 1692 and 15 U.S.C. 1692k ( 2 ) ( a ) of the FDCPA. Specifically, I was not provided with the requisite written notification 5 days prior to any action, as mandated by 15 U.S.C. 1692G. As the original creditor, I am the sole authority to validate this debt. I do not recognize or validate this debt, and as such, I demand its removal from my report. 

Request for CFPB 's Intervention : I request verification of the debt, including copies of any documents that prove I agreed to pay the claimed amount. 
I seek a detailed account history, including any charges, fees, payments, or adjustments associated with this account. 
I urge a review of the actions taken in relation to my account to ensure compliance with the aforementioned statutes. If violations are confirmed, I may seek additional damages as stipulated under the FDCPA. 
If the debt can not be verified or if it is confirmed that the actions taken are not in compliance with the aforementioned statutes, I expect this account to be removed from my credit report promptly. If not, I will not hesitate to take further action to protect my rights, including seeking legal remedies. 

I trust that the CFPB will treat this matter with the urgency and seriousness it warrants and ensure that my rights as a consumer are protected. 

Thank you for your attention to this matter. 

Sincerely

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 2023-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 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 non-monetary relief