BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-09-21
Company: EQUIFAX, INC.
State: CA
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:
XXXX refuses to correct one of my addresses. It had one of my addresses wrong five times. I notified it that none were correct. They did not fix it. Instead, they deleted my address altogether and closed my dispute. I was told over the that they would correct it and they didnt. I wrote a letter and they refused to fix it. I called again and gave them the correct address and they added XXXX addresses that do not belong to me. They wont take my call. When I enter my social security number, Im told I have to submit another letter. Each time I applied for a loan, I am asked to provide my addresses and each time I am told that I have to give an explanation of all the wrong addresses or I am confronted about why I left one of those bad addresses out. I am made to feel like a liar. My credit score dropped. My first request was made over 90 days ago. 

XXXX  Report # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-06
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:
By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX 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 2024-01-05
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: Credit inquiries on your report that you don't recognize

Complaint:
An unauthorized " New Credit Inquiry '' from or at the " XXXX XXXX XXXX XXXX XXXX '' was made on XX/XX/2024 I have contacted XXXX, TRANSUNION AND XXXX and made filed a fraud alert with each of these credit reporting 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 non-monetary relief
Consumer complaint received 2023-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks 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 2023-01-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/2022 I had noticed XXXX fraudulent charges totaling in the amount of {$270.00}. XXXX of which were from target and the other XXXX. Far away from where I had just used my card less than XXXX to XXXX hours prior. I informed the person that my card had been fraudulently used and was asked if i might have idea who. I said I do not know and that it could have been a family member or someone else I do not know but that it was done completely without my knowledge. I was told it would be handeled and went about day. XXXX weeks later it had not been handed so i filed a CFPB report. About XXXX weeks later the funds retured and to my understanding that meant everything was handled, because I still had no communication from capitol one. I got about my week and use card maybe twice throughout it. I then get off of work on XX/XX/XXXX and try to purchase food and it is declined. The XXXX dollars was taken back out of account and i now was over my limit. I call in XXXX  to try to see what is happening and I'm told it was denied because no fraud was found because i had said it MIGHT be a family member OR someonei dont know when was asked if any idea who XXXX have used card! I then ask for XXXX and talk to him. We talk and i explain situation. He puts me on hold and then comes back and states HIMSELF that he sees something that XXXX considered and KNOWS FOR A FACT THAT I HAD NO KNOWLEDGE TO THIS AND THAT IT WAS FRAUDULENT. He tells me he has to get the reversal approved by system and will call back. He then calls back a hour later and tells me that it is denied simply because of me speculating it might have been a family member without my knowledge!! I inform him that I even stated that it might have been someone I do not know also qnd despite that he said that somehow now its not considered fraud, even though he stated before on his recored line that he KNOWS it was fraud. He then tells me im not only liable for the FULL CHARGES!! I ask to speak to anyone higher than him or if can communicate with corporate he then tells me he is the higheset. His headset then gets some static and im hung up on! This is ridiculous!! Its CLERALY FRAUD AND THE XXXX HIMSELF EVEN STATED IT AS SO!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud. Please take an action with this innacurrate accounts.

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 2023-01-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
First and Foremost my username/email needs to XXXX, I left out the " g ''. 

I am a victim of bank fraud in the amount of {$1800.00} as a customer of Capital One Bank on XXXX XXXX, 2022, by way of a telephone scam by a XXXXXXXX XXXX XXXXXXXX. customer. Capital One has not found the transaction as a fraudulent activity???? After I complained to Capital One about their unfavorable decision, they advised me to submit a letter of explanation and file a police report, at the end of XX/XX/2022???, XXXX  months later. I reside in XXXXXXXX XXXX, The XXXX Police Dept said the police report has to be filed within the municipality of the receiving bank? XXXX XXXX. is located in XXXX XXXXXXXX XXXX. The XXXX XXXX Police Dept. says I need to file a police report with my local Police Department??? Meanwhile Capital One is trying to hold me responsible for this {$1800.00} theft by the XXXX XXXX. customer. Furthermore XXXX XXXX. does not have an option to speak to a representative, unless you have an account number or financial institution, only an email option for a non-customer. I sent them an email, notifying them of this crime and asking for a contact person or contact number ... No Response from them??? Please see the attached letter of explanation. I look forward to your assistance... .Please Help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18
Company: SYNCHRONY FINANCIAL
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:
This Inquiry was made by a third party without consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
In accordance with the FCRA this creditor has violated my rights. 
Under 15 USC 1681 section 602 states that I have the right to privacy.

15 USC 1681 section 604a section 2 states that a CRA can not furnish an account without my written instruction. 

This account is not mine. XXXX  has stolen my identity by taking it from another company. I have no agreement with them nor have I ever contracted with them. They have been using extortion to threaten me into paying them money that I do not owe. 

I sent them a letter demanding that they also stop reporting this to CRA 's and they continue to do so.

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 2023-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
It's ridiculous because I have always paid this account on time and have never been late. Please update my account accordingly.

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 2023-06-08
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: IA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XX/XX/2023 I submitted a dispute, asking to verify or delete portfolio account because I do not recall having this account open. Credit report states that account has been disputed after XXXX XXXX XXXX. I completely disagree with the statement because I have not received any verification of any sort stating that Debt is mine. I am not refusing to pay this debt, but I am saying that I do not recall having this debt, for that reason I demand that you provide some sort of document stating that they debt is mine. Plus, account is stating as derogatory open and in collection all at the same time this is not possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting 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 discovered these alleged hard inquiries. I do not recall authorizing these inquiries and I would like to see these deleted immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I'm XXXX XXXX XXXX and I've been analyzing my recent credit report, and seeing these names and addresses that doesn't belong to me is just not cool. I want them off of my credit report as soon as possible! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX All certify that all these information listed is inaccurate and not mine, plus it violates my consumer rights according to FCRA 15 USC 1681s-2 & 1681i.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with 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: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I did not give authorization or start these accounts, and it is unjust for me to bear responsibility for them. I implore you to take prompt action to correct this mistake

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 2022-10-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
Despite multiple written requests, the erroneous accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XXXX XXXX, but I never received a response from them. These accounts must be investigated and deleted in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-05-26
Company: EQUIFAX, INC.
State: VA
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 requested XXXX and Equifax to investigate XXXX accounts on my credit report because the balance is still not accurate. XXXX is reporting XXXX accounts with a balance of {$370.00}. I paid the accounts of completely so there shouldnt be a balance. XXXX and Equifax fails to update the accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
i did not open this account it was opened frequently. I have notified the company but cant reach fraud dept because they will not provide full account/card number

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 2021-04-19
Company: Southwest Credit Systems, L.P.
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 mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX Original Creditor : 01 XXXX XXXX XXXX ) XXXX ... SW CRDT SYS ( Original Creditor : 11 XXXX XXXX ) XXXX ... XXXX XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX ) XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21
Company: Netspend Corporation
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
A Netspend Debit Visa associated with XXXX XXXX XXXX was purchased XX/XX/XXXX for a granddaughter 's XXXX gift. When she attempted to use the card, it wouldn't work. She then attempted to make sure the card was activated and when she contacted the company - using the number indicated on the back of the card, the person helping her asked her for personal information and being young, unsuspecting and inexperienced with the need to NOT give out personal information, she complied, at which time, they promptly hung up on her. She brought this to my attention today which is XX/XX/XXXX. I, myself, have made multiple attempts to reach someone associated with the financial institution - both Netspend and XXXX - to no avail. The prompts will not allow me to connect with a human and it keeps asking me to enter my social security number. I retired from the State of Texas Criminal Justice System and are well aware of the scammers and crooks working their plans and to never give out personal information. My granddaughter is XXXX XXXX XXXX and now we are going through the hassle of contacting the different credit bureaus to make them aware of the situation and hopefully head off any identity theft or creation of credit in my grand 's name. How can you help us with this situation? Thank you for your time.

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 2023-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 dispute incorrect information present on my credit file, specifically regarding an inaccurate addresses ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and XXXX XXXX, XXXX, XXXX, XXXX ) associated with my credit history. I have taken all appropriate steps to address this matter directly with the relevant credit reporting agencies and the furnisher of the information, yet the error persists. 

I have attached supporting documentation clearly displays my accurate address, such as a copy of my driver 's license, utility bills, and bank statements. It is crucial that this error be rectified promptly, as an incorrect address on my credit file not only affects my creditworthiness but also poses potential risks to my personal and financial information. 

I kindly request that you initiate an investigation into this matter in accordance with the Fair Credit Reporting Act ( FCRA ). Please verify the accuracy of my address through reliable sources and update my credit file accordingly. Furthermore, I request that you provide me with written confirmation once the correction has been made. 

I understand the importance of maintaining accurate credit information and appreciate your efforts to resolve this matter promptly. I am committed to ensuring the accuracy and integrity of my credit history and will provide any additional information or documentation that may be required to facilitate the investigation process.

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 2022-01-15
Company: EQUIFAX, INC.
State: PA
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX

Company response to consumer: Closed with explanation