BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States , if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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: EQUIFAX, INC.
State: FL
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:
XXXX has stated that my account was paid late XXXX time ; XXXX days. 

After talking to many customer service reps, I was finally told on XX/XX/22 that XXXX has had issues with their computers resulting in false XXXX day late payments. 
I was informed to dispute these with the credit bureaus. XXXX did not investigate or fix the issue. ( XXXX day late payment on ALL XXXX of my credit reports ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: EQUIFAX, INC.
State: AZ
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 contacted XXXX regarding a {$1400.00} debt created on through fraud using my social security number and most likely part of my name on or around XX/XX/2023. XXXX transferred me to their collections then to the fraud department. Each representative was being recorded by CSID and by their own system and at each level was informed of the recording. The Fraud Representative with XXXX verified that the address I provided, my address for the past 7 years, was not in their system. He further verified he did not have record of my middle name or the phone number I provided. They are investigating but refused to provide me the name and information of the individual. I have filed a police report with the City of XXXX regarding the fraud that XXXX facilitated by issuing credit to someone besides myself which has negatively impacted my credit score. XXXX Police Report tracking number currently is XXXX and the reprort was filed on XX/XX/2023. I attached the initial police report and a copy of the Esperian report for the file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
XXXX has stated that my account was paid late XXXX time ; XXXX days. 

After talking to many customer service reps, I was finally told on XX/XX/22 that XXXX has had issues with their computers resulting in false XXXX day late payments. 
I was informed to dispute these with the credit bureaus. XXXX did not investigate or fix the issue. ( XXXX day late payment on ALL XXXX of my credit reports ).

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 2022-04-25
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:
XX/XX/XXXX To Whom It May Concern : It has come to my attention that continued requests for removal of items that do not belong to me are still entered as active or inactive trade lines on my credit report. Negatively affecting my financial stability. This is an immediate, eighth request for removal and blockage of incorrect information. 

There seems to be a continuous high-level of incompetence at your company. I have been forced to submit a dispute every 30 days for the removal of this information. 

I have not placed requests for credit with the below organizations and have no active trade lines with them. 
Id like to know how and why your company has added credit accounts to my report that do not belong to me. 

This is a demand to remove these accounts at once! 

FRAUDULENT Accounts to be Removed IMMEDIATELY : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$280.00} Unknown Equifax Collection XXXX {$1200.00} Unknown Equifax Collection XXXX {$82.00} Unknown Equifax Collection XXXX {$130.00} Unknown Equifax Collection XXXX {$680.00} There are also a number of Inquiries that should also be removed. I did not request service or credit from them : XXXX XX/XX/XXXX XXXX XX/XX/XXXX There are also incorrect addresses listed, which I have complained about and request the immediate removal of this incorrect information XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, NC XXXX Your company is not authorized to share any of my personally identifiable information with any creditor or outside agency for which I am disputing. 
Once the fraudulent information has been removed, you are required to MAIL AN UPDATED credit report to my home address within 30 days of resolution. 

I look forward to hearing from you soon. 


Sincerely, XXXX XXXX EMAIL : XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-29
Company: EQUIFAX, INC.
State: AZ
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 not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Equifax is failing to comply with FCRA laws for wilfully non-complying and neglecting to adhere to the rules and laws of the FCRA. I have submitted multiple complaints informing Equifax that I was a victim of identity theft. I filed a report on the FTC website, I specified how the identity theft took place, that I did not benefit or receive goods or services from the alleged account. I submitted the identity theft reports, provided a report circle the fraudulent account. Equifax has claimed the account listed below has been verified and is accurate. I'm truly confused by their antics/tactics on how to report this issue but they are ignoring this dispute and failing to comply with the rules set forth in the FCRA. I need them to be held accountable & have the account blocked/removed : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02
Company: EQUIFAX, INC.
State: PA
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:
I am consumer XXXX XXXX and I'm reporting EQUIFAX who has continuously reported my private nonpublic information without written my consent and did not have PERMISSIBLE PURPOSES to so so. My private information was and still is compromised in the 2017 EQUIFAX DATA BREACH. EQUIFAX has caused the consumer grave harm and financial hardship. EQUIFAX has committed identity theft by reporting, selling, and furnishing my private information without my written consent. Harm has been caused before my information was in the data breach and the consumer will forever be harmed knowing my private information has been breached do to the noncompliant and willful negligence by EQUIFAX. EQUIFAX has violated my privacy, has violated my consumer rights pursuant to the Fair Credit Reporting Act. EQUIFAX has a fiduciary duty to protect my private information if they had my consent in which they did not. EQUIFAX did not have my consent and they failed to protect my private information. EQUIFAX also violated the Gramm Leach Bhilely Act 15 U.S.C. 6809. Consumer is sick and stressed out every day do to worrying about my privacy

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
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 opened a credit card with Capital One XX/XX/XXXX. All payments were paid as agreed every month except for XX/XX/XXXX. This was due to a medical emergency that I experienced that put me in the XXXX  for three and a half weeks. I was unable to make arrangements with Capital One due to my XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 the person making this complaint & I give CFPB authority to investigate this claim. I am writing concerning the following account XXXX XXXX XXXX XXXX XXXXXXXX. I am disputing the account type. It's inaccurate. Please delete it. I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. 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 non-monetary relief
Consumer complaint received 2023-10-27
Company: EQUIFAX, 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 XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-28
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:
I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that are reported on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file 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

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 2023-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 one of my numerous 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 and XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX. Please delete these accounts ASAP.

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 2022-06-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
I only applied for one mortage company and when I looked at my credit report I saw there was more then one for a mortage and I WAS not approved for any of 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 explanation
Consumer complaint received 2022-09-22
Company: EQUIFAX, INC.
State: FL
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:
In accordance with the FCRA Everything has to be 100 % accurate on my credit report. The Credit bureaus stated that my account was properly investigated but how is that possible if the open date is inaccurate, account status is inaccurate, the date of last active is inaccurate & the date of last reported is not correct i mean its also inaccurate as well as the date of last payment is also inaccurate & last one is that how the account opening date is same with the last reporting date. This ground for removal they also violated my rights under below mentioned sections : 15 U.S.C 1681 section 602 A, States that I have the right to privacy. 15 U.S.C 1681 section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. Therefore you are requested to kindly delete my below mentioned accounts or else I will file the litigation to get deletions : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-02
Company: First Federal Credit Control, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I went to the XXXX XXXX XXXX XXXX XXXX back in 2019 because I was going through the worse time of my life with my XXXX  where I thought something was XXXX XXXX XXXX XXXX  and come to find out nothing was stuck the doctor just looked in my mouth with a flash light and I was told nothing was there and my visit was over and here it is 3 years later I have a collection on my credit report from them because they billed my insurance for a procedure that was not done

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04
Company: Experian Information Solutions Inc.
State: ME
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S. Code 6802 Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

15 U.S. Code 1681b Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.

18 USC 1028A provides that aggravated identity theft occurs when a person commits a crime and also knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person.

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 2022-06-08
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:
In accordance with the Fair Credit Reporting Act the following have violated my rights ; XXXX. XXXX, XXXX acct # XXXX XXXX & XXXX acct # XXXX XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX acct # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX acct # 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 an 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 explanation
Consumer complaint received 2022-07-02
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
SSA wasn't supposed to report I had a waiver stating they wouldn't report to credit company. They reported it in 2020 when I finally got back on SSDI.I only had to dispute it once with other credit report they removed almost immediately. But, experian it has been over 7months now.I 've been in touch with SSA at first they said they couldn't find waiver but then they found in my old file. They said they was gon na get in touch with experian and let them know to remove it .just got done disputing it again they say it right .I am tired if going between these companies .I 'm trying to get a loan.to consolidate my bills .my scoreisl

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: EQUIFAX, 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.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: 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:
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, GA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$690.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief