BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-24
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:
I am writing to file an official complaint with the Consumer Financial Protection Bureau regarding instances of potential identity theft and violations of my rights under the Fair Credit Reporting Act by certain financial institutions and collection agencies. 

In reviewing my most recent consumer report from XXXX, XXXX, and TransUnion I discovered several medical collection accounts that I did not open or authorize : - Account # XXXX, listed as a medical collection for {$2500.00} with MEDICAL and currently in collections with XXXX XXXX XXXX 

- Account # XXXX, listed as a medical collection for {$1800.00} with MEDICAL and currently in collections with XXXX XXXX XXXX 

- Account XXXX XXXX listed as a medical collection for {$830.00} with MEDICAL and currently in collections with XXXX XXXX XXXX 



It appears my personal identifying information has been compromised and used without my consent to open these fraudulent accounts. Pursuant to 15 U.S.C. 1681c2 and 1692g, I am requesting these inaccurate accounts be blocked and removed from my consumer reports promptly after receipt of this notice.

I am also invoking my right to dispute these debts under 15 U.S.C. 1681s-2. Opening accounts and debt collections based on identity theft do not constitute a permissible purpose under 15 U.S.C. 1681b.

Please conduct a full investigation and provide debt validation as required by 15 U.S.C. 1692g. I will pursue all legal remedies if validation is not provided and the fraudulent accounts are not promptly deleted. 

Please contact me at XXXX to discuss your findings and planned actions. I appreciate your prompt attention to this serious matter involving potential statutory violations and identity theft. 

Regards,

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 2023-08-31
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:
Reporting inaccurate information identity theft

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 2022-12-13
Company: EQUIFAX, 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: Personal information incorrect

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 explanation
Consumer complaint received 2023-08-18
Company: Experian Information Solutions Inc.
State: NC
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:
Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.

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 2020-07-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I recently sent a letter over 45 days ago to this bureau and they are disregarding a regular consumer dispute. Im XXXX  an has been sending letters before this and still no response.

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 2023-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by XXXX Data Breach here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

The following items need to be removed and blocked as they are fraudulent. 

1. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 

2. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 

3. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX  Account Number XXXX XXXX Delete this account. 

4. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXXXXXX XXXX Account Number : XXXX Delete this account. 
5. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXXXXXX XXXX, XXXX 6. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

7. The inquiry was not authorized XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

8. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it 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 non-monetary relief
Consumer complaint received 2023-09-15
Company: EQUIFAX, INC.
State: MA
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:
Upon reviewing my consumer report, I see that XXXX XXXX has flagged an account on my consumer report as a charge-off. The IRS requires XXXX XXXX to send me a 1099C by XX/XX/XXXX. This charge-off is considered earned income, and I will have to file a 1099C on my tax return. Therefore, the account status has been changed to earned income. My consumer report should not contain information regarding my income. This account violates accuracy of report. Additionally, the account has been reported as having late payments incorrectly and inaccurately by different bureaus. I would appreciate your investigation into this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-30
Company: WELLS FARGO & COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
XXXX XXXX XXXX ( Wells Fargo ) claims " COVID '' is the reason why I had not received my statements. Last year ( 2020 ) I only received statements from XXXX - XXXX, XXXX, XXXX, XXXX, XXXX and it stopped, then got XXXX, then it stopped, then got XXXX, and again it stopped. 

I have repetitiously called and called - the Reps always says " You are not enrolled in electronic paperless. '' and " due to COVID, it is taking our customers longer than usual to receive their bill. '' In addition, been advised to log in at the website to check in case if the bill had not arrived. PROBLEM? It will NOT allow me to log in! Even after their " New System '' requiring a new password created. I already did this ; and once that is complete, it loops back to the original position and will not recognize the new password I have created. I keep getting all these WAC errors - XXXX, XXXX, XXXX, XXXX, etc etc etc. 

NOW, trying to use the FORGOT PASSWORD - they are demanding a STUPID PHONE, I do not have a Smart Phone, I have a landline telephone. ANOTHER NEW PROBLEM? I am profoundly XXXX, I can not get the automated code from some stupid computer to input My landline is a XXXX. I live alone. THIS IS FLAT OUT DISCRIMINATION TOWARDS THE XXXX XXXX AND XXXX. 

Just made a call today, and I was slammed with a LATE FEE? Really? After I had called last month after XXXX ( XX/XX/2020 ), She told me to call if I didn't get a billing statement next month ( XXXX ) after the XXXX. So I went ahead and paid blindly {$100.00} ( while my normal minimum is {$30.00} a month ), and today JUST GOT TOLD THAT THE LATE FEE WAS STILL ATTACHED. AND THE MINIMUM HAD DOUBLED? 

I have NO PROBLEMS with other bills, they are all incoming just as normal as everything else ... BUT NOOOOOOOOOO THE REP IS SO OBSESSED AND FOCUSED ON COVID CAUSING PROBLEMS. 

This is a leeching mode to try to gain more of the customer 's monies and blaming it on COVID by not sending bills via USPS for the sole purpose of collecting additional fees and charges to make up for the LOSS of their Online and Offline stores! 

I have ZERO tolerance for this type of practice. There is absolutely no excuse why they can not mail a customer 's bill via USPS. My Balance is fine, they are just sucking up " late fees '' and " jacking up minimum payments '' in an illegal tactic.

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 2022-12-20
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
An account was sent to collection in my name with fraudulent charges at at time when I was a victim of identity theft.

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 2022-12-20
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:
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 2022-12-20
Company: EQUIFAX, INC.
State: TX
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 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 XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 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 non-monetary relief
Consumer complaint received 2023-03-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I am a victim of identity theft. I first noticed it when I started receiving calls, emails, texts asking to verifying payment Info for XXXX, cap one, XXXX XXXX etc. One of my credit card companies notified me of unusual activity which prompted me to check my other accounts and banks. Upon doing so, I notice numerous unauthorized debits from my bank account to an impersonating account ( XXXX XXXX ) as well as a few very strange out of country charges. I notified the bank, filed an identity theft report, froze all my credits with bureaus and contact all parties. I sent a copy of everything and transcripts with the disputes and followed up 2/3 everyday but was told after ten business days I would receive a credit or someone would reach out with questions. No one ever called nor emailed, never wanted any documents. Although I sent them 3x proving and showing I am a victim of identity theft and these were all fraudulent charges. On the tenth business day of calling, I was yet to still hear from anyone and they couldnt located any of the 5 documents in emails I had sent ( I sent them again afterwards ). Shortly after I received a denial and was also asked to leave the bank. I have never felt treated so poorly and kicked to the curb in my life. I am not a rich person and am the victim of identity theft and at a loss over XXXX that was fraudulently taking from me account. Capital one treated me poorly and seemed to not even care to want to look too much into it or see the documents I provided showing I am a victim of identity theft. Instead they never cared to contact me, or look into the matter and just wait the ten days to deny and close my account. I still even sent everything to them again anyway showing I was scared and they showed no customer protection from a banking institution at all. Being a victim of identity theft made me feel 100x worse after the way capital one handled it and treated a customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-30
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: Account information incorrect

Complaint:
XXXX XXXX INACCURATELY REPORTED LATE PAYMENTS ON MY CREDIT REPORTS. I HAVE REQUESTED THE INFORMATION FROM THEM TO SEND ME AN UPDATED REPORT OF MY PAYMENT HISTORY TO NO AVAIL. I ALSO SENT LETTERS TO 3 CREDIT BUREAUS REQUESTING THESE INACCURATE LATE PAYMENTS BE REMOVED FROM MY CREDIT REPORTS FOR THE DATES OF XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX AND XX/XX/XXXX I WILL PROVIDE EVIDENCE OF THE INACCURACIES BELOW FROM MY TRANSUNION 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 2023-04-11
Company: EQUIFAX, 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 is missing that should be on the report

Complaint:
DEPT OF ED / XXXX Account XXXX - Q Date of first delinquency is missing? Delete Account XXXX Q Date of first delinquency is missing? delete Account XXXX Q Date of first delinquency is missing? 
Date of letter XX/XX/2023 - delete Date of letter XX/XX/2023

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17
Company: Experian Information Solutions 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:
On XXXX XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX OPM data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX  XX/XX/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 2023-08-30
Company: I.C. System, 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 attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.

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 2022-01-14
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Sending correspondence requesting deletion of unverified accounts and not receiving a response from them. They can not validate and verify so it needs to be deleted.

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 2023-04-17
Company: Experian Information Solutions Inc.
State: LA
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The Experian credit bureaus must validate these inquiries in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following inquiries need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX Inquired on XX/XX/2022. 
XXXX Inquired on XX/XX/2022 2022

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