BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-12
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I'm being Stalked by someone high up in government. I most recently began to gather proof of being stalked with credit card and credit reporting issues. Here 's an example of what they are and have done and here is the issue for this report. I opened a XXXX and company credit card around XX/XX/2023. My closing date was XX/XX/2023. I received my first-time statement in the amount of {$110.00} with was legitimate charges. A week later, I go to pay my bill and it stated on-line that my balance was XXXX. I knew immediately that someone committed fraud on my account. I contacted the merchant and immediately they submitted a fraud investigation. On around XX/XX/XXXX the fraud charges where reversed and balance was corrected. The only statement that I have received with this company is one statement which was the correct amount of XXXX. My balance as of XX/XX/XXXX was {$1.00}. On XX/XX/2023 it was reported to the credit bureaus that I had a balance of $ XXXX.They never reported the real statement balance of {$110.00} The fraudulent charges were even removed before they reported and it's not even time for me to receive a statement again because it does not close until XX/XX/XXXX. It took my credit score down XXXX points. You may say, oh no that's one instance. No, this has happened to me on several of my credit cards and loan accounts. My score was lowered on one of them because my balance decreases XXXX points because on one of my credit card balances went from {$1.00} to {$2.00}. yes, just a dollar. I have superb payment history. There are many more examples of this. Please contact me. T

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 2023-12-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Despite successful resolution and removal of fraudulent accounts by other credit reporting agencies, it appears that your bureau has yet to take appropriate action to rectify the situation. This persistent inclusion of fraudulent accounts on my credit report is causing significant distress and harm to my financial standing. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused how you've verified it while the other bureaus have removed. Please delete this from my file. It is inaccurate, erroneous, incomplete or unverifiable. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  have already removed this account from their records. There was an error present & they were able to find it. I'm confused how you've verified it while the other bureaus have removed. Please delete this from my file. It is inaccurate, erroneous, incomplete or unverifiable. 
It has come to my attention that other credit bureaus have promptly investigated and removed the disputed fraudulent accounts from their reports, demonstrating their commitment to accurate and fair reporting. However, your bureau continues to report these inaccurate and damaging accounts, raising serious questions about the efficiency and effectiveness of your dispute resolution 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 non-monetary relief
Consumer complaint received 2023-12-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 3rd request that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-04
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: Public record information inaccurate

Complaint:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2023-12-04
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:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2023-12-04
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: Their investigation did not fix an error on your report

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 and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2022-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 Account name : # XXXX XXXX family support 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 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 2023-12-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 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 explanation
Consumer complaint received 2023-12-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




Open Account : XXXX XXXX  # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 of the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Dear TransUnion I hope your day is going well, but I need your help. I noticed the following issues with these accounts on my credit report : XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX : Account number : N/A, Erroneous. Fix the balance information. 

XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX : Account number : N/A, Erroneous. Fix the balance information. 

XXXX | XX/XX/XXXX : Account number : N/A, Erroneous. Fix the balance information. 

XXXX XXXX XXXXXX/XX/XXXX : Account number : N/A, Erroneous. Fix the balance information. 

XXXX XXXX XXXX XXXXXX/XX/XXXX : Account number : N/A, Erroneous. Fix the balance information. 

XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX : Account number : N/A, Erroneous. Fix the balance information. 

XXXXXXXX XXXX XXXXXX/XX/XXXX : Account number : N/A, Erroneous. Fix the balance information. 

XXXX XXXX XXXX XXXXXX/XX/XXXX : Account number : N/A, Erroneous. Fix the balance information. 

CXXXX XXXX XXXX XXXXXX/XX/XXXX : Account number : N/A, Erroneous. Fix the balance information. 

XXXX XXXX XXXXXX/XX/XXXX : Account number : N/A, Erroneous. Fix the balance information. 

XXXXXXXX XXXX XXXXXX/XX/XXXX : Account number : N/A, Erroneous. Fix the balance information. 

XXXX XXXX XXXX XXXXXX/XX/XXXX : Account number : N/A, Erroneous. Fix the balance information. 

I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? I got this information from the FTC, and the CFPB. This incorrect information on my credit report is causing problems when I try to apply for credit. Please investigate this matter, and get back with me when you are finished. I hope this will be soon. 



Thanks.

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 2023-12-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
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. 

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 2023-12-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
This letter is to formally inform you that I recently received a copy of my credit report that your company publishes. Upon review of my credit report, I found a number of items that are inaccurate or questionable. The numerous accounts in question are listed below, please advise under the time allotted in the FCRA. 
Therefore, I am requesting that you please send me copies of the documents that you have in your files as of this date that your company used to verify the accuracy of the accounts listed below along with a complete compliant detailed breakdown of the three segments of the Metro 2 requirements including The Header Record, containing 18 fields, which ensures that the information was identified correctly by your bureau, The Base Segment, containing 49 fields, which provides the specific account information for me, The Trailer Record, Containing 47 fields, which summarized the data submitted to your bureau specific to my particular file. 
Under the Fair Credit Reporting Act, 15 U.S.C. 1681g, I am expressing my right to demand that you disclose your compliance with Metro 2 and disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. 
NOTE : Please dont respond to my request by saying that these accounts have been verified because I have never been sent proof of such. Instead, send me copies of the documents that you have in your files that were used to verify them. 
If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and creditworthiness, and I will seek damages if they are not removed and you are unable to provide the necessary documentation. 
It is my right that under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. Failure to comply with the deletion demand if you are unable to provide METRO 2 COMPLIANT DOCUMENTATION AND EVIDENCE will be met with complaint to the CFPB, the FTC and the Attorney General of the

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 2023-12-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My payment history for these accounts is marked by consistent on-time payments. Requesting an update to accurately depict this pattern.

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 2023-03-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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: TRANSUNION INTERMEDIATE HOLDINGS, 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:
There is information on my consumer reports from XXXX, TransUnion and XXXX that is a result of identity theft. I did not give any written permission in accordance with the FCRA to have the identified transactions furnished on my consumer reports. Please permanently block and remove the reporting of this information as it is harming my ability to obtain new credit. Moreover, there are inaccurate addresses, phone numbers and inquires that must also be removed. The identified transactions are not related to any transactions by me the consumer. This block is not being made in error, or on the basis of a material misrepresentation of fact. I am the Attorney-In-Fact and the Authorized Agent for XXXX XXXX, requesting this block for the name of my PERSON. 

I have items on my consumer report that are a result of an identity theft and not made by any transaction related to me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Incorrect phone number : XXXX that must be removed from all three credit reporting agencies. 

Without prejudice, without recourse, all rights reserved : by : Authorized Agent : 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