BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-11
Company: EQUIFAX, INC.
State: IL
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:
Hello, my name is XXXX XXXX, I am writing to report a distressing incident of identity theft that has caused significant harm to my financial standing. It has come to my attention that someone has fraudulently used my social security number to open multiple credit card accounts without my consent or knowledge. The unauthorized activities conducted under my name have resulted in a series of negative items on my credit report, which are entirely inaccurate and detrimental to my financial reputation. I am deeply concerned about the potential long-term consequences if these fraudulent accounts are not promptly addressed and removed from my credit profile. I kindly request your immediate attention and assistance in investigating this matter. I have taken the necessary steps to file a police report and have notified the affected credit card issuers. I have also placed fraud alerts on my accounts with the major credit reporting agencies. Considering the severity of this situation, I implore you to take immediate action to remove all negative items associated with these fraudulent accounts from my credit report. This will help restore my creditworthiness and prevent further damage to my financial stability. I have enclosed copies of the relevant documents, including the police report and any other supporting evidence, to aid your investigation. Please treat this matter with utmost urgency and provide me with regular updates regarding the progress made in resolving this issue. I greatly appreciate your understanding and cooperation during this distressing time. I trust that your expertise in handling identity theft cases will enable a swift resolution to this matter. Should you require any further information or documentation, please do not hesitate to contact me at the provided contact information. Thank you for your immediate attention to this urgent matter. The items I need deleted are listed in the report. I am a victim of identity theft and did not make this change. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible. Based on, 15 U.S. Code 1681c-2 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 It's been more than 30 days and you as the credit reporting agencies are in VIOLATION of this law because I am a victim of identity theft! Please remove these accounts as soon as possible

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-23
Company: CITIBANK, N.A.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
Home Depot has been committing identity theft and has been violating claimant rights.This alleged debt has already paid off in full, and yet Home Depot has been reporting to the credit bureaus when claimant instructed them to remove all information from the credit reporting agencies. This has been costing me a lot of distress and has been taking a toll on my mental Health.

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 2023-07-11
Company: EQUIFAX, INC.
State: SC
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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-17
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:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated 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

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 2023-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

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

Company 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: Experian Information Solutions Inc.
State: NE
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 would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this item that does not belong to me which is reported erroneously. I am in desperate need of this item to be INSPECTED and BLOCKED. 

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 2023-11-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
Company did not conduct independent investigation on errors on my credit report. They utilized eOscar to verify all derogatory 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 2023-11-26
Company: LFG Data Services Holdings, LP
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:
I have been requesting that LCI send me a copy of my personal file and FREEZE AND DELETE my file which is my right. 
I have also asked secondary reporting agency XXXX, XXXX, XXXX, XXXX, ect to to do the same and everyone has immediately without question but LCI believes they are above the law and can violate my rights whenever they want. 
I have sent them certified mail left phone messages ect and they tell me I need to contact XXXX. Lets be clear LCI is a secondary credit reporting agency and XXXX is a credit bureau. They are separate entities and I have every right to get a copy of my personal file from LCI as well as have LCI freeze and delete my personal file with them. 
I then went to opt out of LCI on XXXX and was sent to a website in which LCI says I can get a copy of my personal file I can freeze and delete my personal files with them. 
From LCi site they write the following You may opt-out of your data being shared with third parties or request access to your personal information by submitting the form below. 

You may also call us on the number below to request access to or deletion of your personal information. 
PHONE XXXX I fill out my name and email and an error keeps coming up. I called left messages aand once again NO call back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12
Company: JPMORGAN CHASE & CO.
State: CO
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I have taken on tremendous amounts of debt. Currently this is what I have to my name : XXXX XXXX XXXX - {$780.00}, XXXX ( Mortgage ) XXXX XXXX XXXX Bank - {$80000.00} ( Car Loan ) Chase Bank - {$100000.00} ( Car Loan and Credit Card XXXX XXXX XXXX - {$48000.00} ( Credit Card ) Total Debt : {>= $1,000,000} I would like to challenge each of these financial agencies on the basis that the money used to create the loans was made by fake XXXX entries and therefore fraudulent. Legal precedent is just about any fraud case, including the cases against XXXX and XXXX XXXX. 

If XXXX cant inflate assets, neither can XXXX, XXXX, XXXX, or any other organization. If XXXX cant fake journal entries, neither can the Federal Reserve. 

I have public quotes from banking institutions where they admit that they are committing fraud when they create loans. 


Warmly, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11
Company: EQUIFAX, INC.
State: NC
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-01-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
I contacted the credit bureaus in XXXX pertaining to inaccurate information reporting on my credit. It has been more than 5 weeks and I have not received a response and the FCRA says they are required to respond in 30 days.

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 2023-11-30
Company: EQUIFAX, INC.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
According to the FCRA, it is Equifax job to ensure that the information on my credit report is accurate, verifiable, and reporting timely and if not, IT MUST BE REMOVED! The past investigation requests Ive sent they regarding the inaccurate information as accurate which it is NOT. This account does not belong on my credit profile. My credit reputation is on the line due to their constant neglect for my credit and the FCRA.I am looking at my credit report right now and the accounts that I previously disputed with Equifax is STILL inaccurate and apparently can not be verified within accordance of the law, yet youre stating that it is true, which I know that isnt true. 

I had asked Equifax two months ago for the following they could NOT provide : How did you investigate this account? 
Who did you speak with? 
What date and time was this investigation Equifax could not provide any information. 

I will be left no choice but to file complaints with the Attorney General, Federal Trade Commission if this not deleted and removed from my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07
Company: Experian Information Solutions 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:
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 Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX  Account XXXX Account Name : XXXX XXXX TX Account XXXX Account Name : XXXX Account XXXX has violated my rights. Or a 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
Consumer complaint received 2023-01-02
Company: SYNCHRONY FINANCIAL
State: NY
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 XXXX I placed an order via website XXXX  and I was to receive the order within 5-6 days. I repeatedly emailed asking to ship my order and because it took so long I requested to cancel. I received an email stating it was in process sorry for the timeframe, etc. After almost 3 weeks I got the order and it was the wrong size. I immediately returned the item after notifying the merchant which took them a week to respond. Because it took so long for the merchant to respond to request to cancel the order or ship the item I filed a dispute with the bank. In the meantime I received the order and immediately returned it. When I received it I called paypal on XX/XX/XXXX and notified them I received it and returned them and provided the tracking number. A few days later on XX/XX/XXXX I get notice my case was closed because they shipped it. No regard for my call with the track info that the shoes were returned. I then called AGAIN on XX/XX/XXXX because they rep did not process my dispute on the previous call. So I called again for the 3rd time to file another dispute because I no longer have the item I requested to cancel, that took too long and I paid for the return. The tracking number XXXX XXXX which was confirmed delivered

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 monetary relief
Consumer complaint received 2023-09-21
Company: Experian Information Solutions Inc.
State: OH
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:
When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items 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 items need to be investigated and updated for erroneous reporting in my file are listed on my credit report : 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 2023-06-09
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX XXXX please 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-04
Company: DISCOVER BANK
State: ID
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I hope this letter finds you well. I am writing to express my concern and disappointment regarding the recent experience I had with your bank. I appreciate the services provided by your esteemed institution, but unfortunately, I encountered a situation that has left me dissatisfied. I believe in the professionalism and competence of your bank, and I understand that errors can occur occasionally. However, it is crucial for customers to receive accurate and comprehensive information, especially when it concerns their financial matters. I kindly request your prompt attention to this matter and a thorough investigation into the misinformation provided. Moreover, I would appreciate it if you could take the necessary steps to ensure that such incidents do not recur in the future. 
DISCOVER BANK XXXX If there are any specific procedures or channels I need to follow to rectify this situation, please provide guidance accordingly. I value my relationship with your bank and hope that we can resolve this matter amicably.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-11
Company: EQUIFAX, 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:
I appreciate your time to REMOVED some of the information in my file that resulted from an alleged identity theft but I have an account left that needs to be removed or Block. Per FCRA section 605 you are required to remove any accounts listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 

XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-02
Company: Experian Information Solutions Inc.
State: DE
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 XXXX  Account, XXXX XXXX XXXX XXXXXXXX, Account # XXXX, XXXX XXXXXXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX Account 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

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 2023-10-02
Company: EQUIFAX, INC.
State: MI
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:
Tried contacting company about unrecognized inquiries received no information and no assistance company could not provide proof that I requested information or any sort. They were no help and nothing was done as far as removing information.

Company response to consumer: Closed with explanation