BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 have submitted a police report to all 3 bureaus. Im getting the same automatic emails and responses. They re-inserting fraudulent accounts on my credit report. They saying the accounts are update or verified & they not giving me the method of verification. They not calling any guidelines & letting these accounts reappear on my credit file.

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 2023-07-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
Investigation took more than 30 days or Their investigation did not fix and error on my 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 2022-12-26
Company: EQUIFAX, INC.
State: NV
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:
I did not give permissable purpose for the following hard inquiries on my credit reports. Please remove them immediately.. 

Do not put a fraud alert on my report. I will lock my reports once the online profile logins are open. 

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 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13
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: Investigation took more than 30 days

Complaint:
On XX/XX/XXXX  TransUnion received my certified letter from me asking them to update inaccurate information on my credit report. Previously TransUnion responded to me in XXXX that the account information reported regarding XXXX XXXX was accurate and verified which is COMPLETELY false I have proof from XXXX XXXX that the account tied to my name is closed and paid in full with no balance owed. TransUnion failed to conduct a proper investigation & respond within 30 days of receiving original complaint and within 30 days of receiving my certified letter in the mail, TransUnion has went over the extended time period to conduct an investigation into a dispute being that 30 day period started when I originally submitted my complaint in XXXX which is 60 days over the allowed time period, TransUnion has went over the extend time period allowed to conduct an investigation from the date of receiving my letter which was XX/XX/, today it is XX/XX/XXXX  and that is 35 days past the time period the law allows. By failing to abide by these FCRA federally protected laws, TransUnion & XXXX is in violation of the FAIR CREDIT REPORTING ACT. This will be my last complaint/letter attempting to rectify the inaccurate information of TransUnion fails to comply with the FCRA within 2 days after receiving this complaint, the credit bureau will be held liable to for statutory damages up to {$1000.00} per violation. The law states if the credit reporting agency does not conduct a proper ingestion within 30 days the account must be DELETED from my credit report, the law also states if the credit reporting agency doesnt respond to my certified dispute letter within 30 days of receiving the letter the account in dispute must be DELETED from my credit report. I am a human and I will no longer accept computer generated responses. I will be taking this matter to Civil court against TransUnion & XXXX XXXX for violation FCRA & violating contract agreement. 
I will also provide documentation supporting my claim such as my most recent billing statement from XXXX XXXX as well as my settlement agreement contact with XXXX XXXX, I will also be providing proof of my certified letter sent to TransUnion that TransUnion failed to respond to and conduct a proper investigation of. 

Account : XXXX XXXX XXXX account number 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 2023-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
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 XXXXXXXX, 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 an 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 2023-04-12
Company: SYNCHRONY FINANCIAL
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I accidentally missed making my bank deposit while in a fog due to a XXXX  injury and I bounced the payment to my XXXX store credit card. I expected to pay a late fee and possibly a fee for the payment being returned and to their credit I believe they removed the fees however they raised my minimum payment from just {$30.00} all the way up to {$160.00}. That {$160.00} remained even after the man said he removed the fees, he said there is nothing they can do about it. I do not understand how they can remove all the fees and my minimum payment remains at XXXX times the amount. I live mostly on a fixed income and a hike like this is impossible to overcome I do not understand how it can be legal.

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 2024-01-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 XXXXXXXX, Account name : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 an 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 2023-01-31
Company: Experian Information Solutions 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: Problem with personal statement of dispute

Complaint:
I have sent in the documents regarding the bankrupty matter in the cases refrenced due to several attempts it was never removed after being informed it was inaccurate XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX this was FRAUD I HAVE SENT ALL DOCUMENTS TO XXXX COMPANIES

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
It has been several months since my initial contact via mail and through CFPB, and regrettably, I have not received the anticipated resolution from your department regarding the misleading and inaccurate entries on my credit report. 

-- -- -TransUnion 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

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 2023-12-13
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:
Regardless of multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The 3 Credit Bureau failed to comply with the Fair Credit Reporting Act, 15U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please remove the following accounts completely from my credit reports. 
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 2023-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Subject : Identity Theft and Request for Correction of Credit Report I am writing to inform you that I am a victim of identity theft, and I have identified several inaccuracies on my credit report that require immediate attention. I am seeking your assistance in correcting this information. 

My current address is XXXX XXXX XXXX XXXX XXXX, Texas, XXXX ], and I have never resided at XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX. Furthermore, I have noticed several negative items on my credit report that do not belong to me. 

Enclosed with this letter, please find copies of all correspondence related to this matter, including letters previously sent to the creditors involved. I kindly request your prompt investigation into the following matters : Verification and correction of my address to XXXX XXXX XXXX XXXX XXXX, Texas, XXXX. 

Removal of all negative items on my credit report that are a result of identity theft. I have attached evidence supporting my claim, including letters sent to the respective creditors. 

I understand the importance of accurate credit reporting, and I appreciate your prompt attention to this matter. I request that you notify me of the results of your investigation and provide an updated copy of my credit report once the corrections have been made. 

Thank you for your immediate attention to this matter. I look forward to a swift resolution.

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 2023-07-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In Accordance with the Fair Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX  Account # XXXX XXXX  XXXX XXXX Account # 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 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 an 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 conviction of crimes which antedates the report of 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 a reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-23
Company: John C. Heath, Attorney at Law, PLLC
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
I asked to be kept in the loop with the letters sent on my behalf. I asked Lexington Law Firm to provide me copies of the work done on my behalf as they were unsuccessful with the dispute regarding my account. I wanted to know what I was paying for. I never received documents sent to the Bureaus on my behalf. I inquired I was told. I have the documented conversation via official communications with Lexington below : " You should receive the email within 1-2 business days. You're welcome. Is there anything else I can do for you today? '' - UT XXXX XXXX " I see the request submitted, how ever I do apologize for the miscommunication but the time frame is 3-5 business days via email and standard mail 12-14. '' - PHX XXXX " The request was submitted on XX/XX/XXXX I would keep in an eye on your email you should be receiving soon '' XXXXPHX XXXX `` I do see that you spoke with XXXX on Saturday in which she requested copies of your file by emailed to you. I do apologize that you were given a couple of different time frames. The expected turn around time for your requested files is three to five business days. I would anticipate you should receive an email with your files at the earliest Wednesday, XX/XX/XXXX. '' - UT XXXX I never received the correspondence sent on my behalf that was promised by the many staff of Lexington law firm staff. 

I also requested a cancelation and they did not cancel my account. And they charged me excessive fees and offered me special promotions on the phone which happened to fake. There is a billing problem as well with this company. They tell you lies that they will charge half the price but the next month charge double and do multiple unauthorized charges. 

I asked that my membership be canceled. And they said since they claim that my message was after hours they are unable to do a refund. However my billing date was XX/XX/XXXX and I asked on the XXXX to formally cancel the subscription. The problem here is that they do not have a method of canceling online. You either have to reach them at a specific time or else they charge you. I have reported this to my bank and I will start the process of escalating these unauthorized charges. 

Please CFPB, investigate this Fake / Scam company. They are cheating people with excessive & unauthorized fees, and can't get things done as they promised on the phone. They can't even provide you a copy of the services you requested and lie about it. I would call this fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM
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
Consumer complaint received 2023-12-13
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: Account information incorrect

Complaint:
Dear CFPB, I am writing to lodge a formal complaint against the XXXX major credit reporting agencies XXXX, TRANSUNION, and XXXX, for willful non-compliance to remove personal information from my report and failure to maintain the accuracy and integrity of my credit report, as mandated under the Fair Credit Reporting Act ( FCRA ), specifically under XXXX XXXX Code XXXX. 

I sent this request on the following dates : XXXX. XXXX on XX/XX/2023 XXXX. TRANSUNION on XX/XX/2023 XXXX. XXXX on XX/XX/2023 Incorrect Personal Information and Identity Theft : Despite repeated requests, these agencies have failed to remove incorrect personal information from my credit report, including non-mailable addresses and non-reachable phone numbers. I am a victim of identity theft, as evidenced by an active identity theft report, which I have filed. The inclusion of incorrect information not only misrepresents my personal data but also exacerbates the risks associated with my identity theft situation. 

Failure to Update Personal Information : Additionally, XXXX, TRANSUNION, and XXXX have not updated my report to reflect my true and correct name. My credit report should only list XXXX name and XXXX address, representing my current and accurate personal information. 

Lack of Permissible Purpose and Consent : I have not consented to the inclusion of any additional personal information on my credit report. The inclusion of such information without my written consent and the lack of a permissible purpose for collecting and reporting this information constitutes a clear violation of my privacy rights under the FCRA. 

Potential Harm and Request for Immediate Action : Given my status as a victim of identity theft, the mishandling of my personal information by these agencies is not only a violation of the FCRA but also poses a significant risk to my financial security and well-being. I request immediate action from the CFPB to investigate this matter and ensure the correction of my credit report by XXXX, TRANSUNION, and XXXX. 

Please find attached the relevant documentation ( including identification ) with the correct personal information and the information that needs to be removed. This is being put in the document since its personal information.

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 2023-01-11
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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), " You are Required by Federal Law to Verify through physical Verification of the Original Signed Certified Consumer Contract of Any and All Accounts You request to be reported on any Credit Report '' ... Please verify and remove the inaccurate accounts below. 
I have already disputed the items with the bureaus on XX/XX/2022 but the bureaus did not remove them, nor prove validation. 
Under Sec. 602 FCRA " I have a right to privacy '' XXXXXXXX XXXX Account # XXXX XXXX Account # XXXX

Company response to consumer: Closed with explanation