BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-27
Company: EQUIFAX, INC.
State: TX
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:
Subject : Urgent Request for Deletion of Illegally Acquired Accounts Due to Equifax Data Breach I am writing to bring to your attention a matter of utmost importance regarding my credit information. Unfortunately, my data was unlawfully sold and purchased as a consequence of the Equifax data breach. I insist on the immediate removal of these illicit items from my credit reports. 

Enclosed is evidence of Equifaxs acknowledgment of my status as a victim of the aforementioned breach. Despite this, no remedial action has been taken by Equifax to address the issue. I implore your assistance in expeditiously erasing these illegal accounts from my credit reports. 

For your convenience, I have provided a comprehensive list of the negative accounts on my Equifax credit reports, including account names and numbers. I kindly request that you file this complaint with the Consumer Financial Protection Bureau ( CFPB ) on my behalf. 

Thank you for your prompt attention to this matter. 
XXXX : Based on the information you provided, our records indicate your personal information was impacted by this incident. 
For more information, visit the FAQ page. 
FILE A CLAIM For Assisted Identity Restoration Services, please call XXXX at XXXX and provide engagement number XXXX. 

Your claim form has been submitted successfully Your claim number is : XXXX You May Print These Details And Keep A Copy For Future Reference By Clicking The Print Button

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19
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:
XXXX XXXX XXXX is reporting on my credit report as a Auto Loan which is incorrect information I dont have a auto loan its a Credit Sale, do to this inaccuracy I need the auto loan removed from my credit report immediately. Also any late payments after the repossession they need to be removed immediately this vechile is now sold. 

After a vechile is repossessed it is sold at a auction for a fraction for what is owed to the original creditor, XXXX XXXX is no longer allowed to report late payments. 
Defaulting on payments beyond XXXX, XXXX, XXXX is inaccurate, XXXX XXXX is when the XXXX XXXX XXXX was repossessed. If this matter do not get removed after sending this complaint out I will have to take this matter further. 

Also XXXX XXXX is in violation of privacy act 1974, I didnt give XXXX XXXX Consent to report my personal information. I will like to opt out of this charge-off, 15 U.S.C 6802-15 U.S.Code 6804. I ask that XXXX XXXX to obey the laws of 15 U.S.C 1681 ( E ) B-15 U.S.C 1681 I ( 5 ).

Also XXXX XXXX Closed this Credit sale which they state on my credit report as an Auto Loan but it is now showing reopened it should still show closed, please remove this inaccurate information from my credit report immediately.

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 2020-04-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XX/XX/2020. XXXX XXXX disputed data on my transunion report which said I was an authorized user for an account ( card number doesnt even exist under the person who owns the account ). We are assuming they are talking about a different card based on the available credit and other information. We contacted XXXX who should have removed me years ago but didnt. They removed me from all associated accounts and said they will tell this to any credit bureaus. Transunion said they called and they said XXXX wouldnt give that info. We called XXXX and the manager said this makes no sense and sent us an email saying i was removed which we forwarded to transunion. Transunion ignored the email and closed the dispute. We opened it back up and I heard nothing. I went to their site to make a personal dispute ( previous was done by third party XXXX ). Their dispute for credit cards page does not work and has apparently been down for a year. You can not dispute online. See others complaining online via the link i shared. We have closed the credit card due to issues but not sure if was ever removed or can be removed from my record. XXXX has been in my experience horrible at reporting proper updates to the bureaus and transunion is not taking disputes seriously or investigating at all 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 2023-10-25
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: Information belongs to someone else

Complaint:
I, XXXX XXXX XXXX XXXX have been a victim of identity theft. As a Louisiana resident, I was impacted by the Louisiana DMV Data breach, with all of my information exposed. I do not have any accounts with the companies listed, and I have attached my FTC report for accuracy. My credit report currently needs to report accurate information as a result of identity theft. I'm asking that for this to be corrected for accuracy. 

XXXX | {$10000.00} | identity theft - no account with them. 

Inquires XXXX XXXX XXXX XXXX | XX/XX/23 & XX/XX/23 | inquiry " result of identity theft - no account or car with them. 

XXXX XXXX XXXX XXXX | XX/XX/23 - inquiry | result of identity theft | no account with them.

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 2023-08-05
Company: Experian Information Solutions 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:
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 According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block 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.

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 2023-10-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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. Pursuant to 18 USC 8. the list of account below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681b 2 Account name : XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX Account name : XXXXXXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXX Account name : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXX Account name : XXXXXXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXX XXXX XXXXXXXX Account name XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX  XXXX # XXXX Account name XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXXXXXX XXXX XXXXXXXX 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.

15U.S.C 1681c. ( a ) ( 5 ) Section State : no consumer reporting agency may make any consumer report containing any of the following items of information anu 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 2023-10-03
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:
This is my MULTIPLE request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The Items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXXXXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX  Balance : {$7100.00} ; XXXX XXXX XXXX XXXX Balance : {$4200.00} ; XXXX XXXX Inquiry : XXXXXXXX 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 2023-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
The following inquiries have been exposed in several data breaches and I have not applied for nor benefit from the following credit inquiries. I have unauthorized inquires that are not tied to any open accounts which should be deleted immediately. If not you are violating 15 U.S. Code 5 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 non-monetary relief
Consumer complaint received 2022-09-26
Company: EQUIFAX, INC.
State: FL
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 ACCOUNT XXXX, XXXX ACCOUNT XXXXXXXX XXXX XXXX ACCOUNT XXXX, XXXX XXXX ACCOUNT XXXX, XXXX ACCOUNT 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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: Was not notified of investigation status or results

Complaint:
I am writing to formally dispute certain information contained in my consumer credit report. These items are incorrect and do not reflect accurate information regarding my credit history. 

-- -- -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 XXXXXXXX

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 2023-12-05
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX, Equifax and XXXX is in violations of consumer law codes ( 15 USC 6808 ) ( 15 USC 1666B ) I was not notified of these late payments below Also, I did not give my written consent for these late payments below to be reported to my credit report this information is incorrect and Inaccurate I demanded this information gets removed immediately. Also, I demand that XXXX, Equifax and XXXX shows proof that I gave my consent for these late payments to be reported to my credit report XXXX  XXXX account # XXXX XXXX Account # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-24
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19
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:
Kindly address this issue on my credit report. I assert that this account is not mine and believe it to be fraudulent. I urge you to correct this mistake and have provided supporting documents for verification.

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 2022-07-02
Company: Experian Information Solutions Inc.
State: FL
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:
Accessed my credit report after being alerted by my employer for financial risk as my score declined. After reviewing report I noticed many inaccuracies & also incorrect inquiries such as XXXX XXXX XXXX XXXX when I receive a preapproval with my personal bank XXXX XXXX XXXX XXXX in XXXX prior to purchasing my only vehicle that has active loan. XXXX XXXX should never be on report. There are more issues which I have submitted a fraud report for as well. 

Please remove all hard, soft, and promotional inquiries as they were not approved or consented for. 

XXXX XXXX XXXX XXXX, dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX via XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX via XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX via XXXX XXXX XX/XX/XXXX XXXX XXXX DISCLOSURE XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-09-26
Company: CITIBANK, N.A.
State: IL
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
My name is XXXX XXXX. This is to inform you that on this date : XX/XX/2022 I received a text message from XXXX, Citi Bank that stated the following : " Did you make a transfer for {$49000.00} from account ending XXXX on XXXX YES = 1, NO = 2 or call XXXX. Reply STOP to Opt-Out '' What I did in response was text back # 2 as I was in a state of shock. What money transfer? I did not do this or authorize it. I also was in contact with Citi Banck at the phoine number provided above. I informed them about this text message and the fact that I did not authjorize any transaction, transfer or anything. I then received claim # XXXX as they recorded the fraudulent case. I was informed that money willbe blocked as transfer takes three days to complete and this transaction should not go through but it did. I went to the bank location on XXXX XXXX XXXX XXXX in XXXX XXXX IL XXXX to report and check that action was taken to stop this transaction. The branch manager filed another report which I personally signed and we closed account # XXXX that was stolen from and opened new ones. It is unfortunate to see that the bank still permitted this transaction to go through when I clearly texted I did not authorize it, I called and reported the fraudulent action and I went to the bank to stop any possible transaction. Since then, Citi Bank denied my case and I still do not have my money. I went multiple times to their branches and called still nothing. How is this even possible? Please assist. Thank you.

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 2023-12-06
Company: Kriya Capital, LLC
State: WI
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
They said i opened an account on XX/XX/ and it was closed out with a balance of {$2500.00}. Credence Resource Management was requested by myself to get me the original contract with my signature on it and an itemized statement showing me all what is owed in the debt equaling out to {$2500.00}. They emailed me two documents " verification of debt with itemized billing '' it only showed the balance of the {$2500.00}. No depiction of what items were being charged to equal that amount. Then the second document was the original contract with my signature on it. Which was not the document it had no signature on all 8 pages that i received. I have requested from Credence Resource Management to delete this debt account and email me a verification with this debt being closed and removed and they will not comply even though they can not confirm signature contract or itemized bill statement with total amount. If requested, I can send the emails that I requested from Credence Resource Management

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-20
Company: Experian Information Solutions 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:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. 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 Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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