BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
XX/XX/2023 : I contacted all three agencies XXXX, TransUnion and XXXX. via their web pages. Customer support is worthless and does not work. None of the 3 credit reporting agencies web sights work. Also, there is either no phone numbers on their web sight or the phone numbers do not work. I have tried to unfreeze my credit but nothing works. I can not get a live human and the forms they have on their web sight do nothing. They just stop working about half way through. Phone numbers are worthless since they don't work.

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 2023-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Take a look at the attached documents and remove any personal information that is not associated with me.

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 2023-11-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I never been late with this accounts, and please update it, and I always paid on time that's why this is ridiculous.

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 2023-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Examine the documents provided. Remove this personal information that is not associated with me.

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 2023-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
My information Was sold and bought illegally I was a victim of the XXXX data breach I want these items removed off of my credit report and delete it from my credit report effective immediately. I am attaching proof that XXXX has admitted that I was in fact A victim of this data breach and XXXX has done nothing Please help me delete these illegal accounts from my credit report

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 2023-11-29
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:
In accordance with the fair Credit reporting act ( XXXX XXXX XXXXXXXX Account XXXX XXXX ) ( XXXX XXXX Account XXXX XXXXXXXX ) ( XXXX XXXX Account XXXX XXXXXXXX ) ( XXXX XXXX XXXX Account XXXX XXXXXXXX ) ( XXXX XXXX Account XXXX XXXXXXXX ) ( XXXX XXXX Account XXXX XXXXXXXX ) ( XXXX XXXX XXXX Account XXXX XXXXXXXX ) ( XXXX XXXXXXXX Account XXXX XXXXXXXX ) ( XXXX XXXXXXXX Account XXXX XXXXXXXX ) has violated my rights! Also i was never late on any of these accounts ( XXXX XXXX XXXX Account XXXX XXXXXXXX ) ( XXXX Account XXXX XXXX ) and feel my rights are being taken advantage of 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!

In addition the law states : 15 U.S. Code 1681i ( A ) - Procedure in case of disputed accuracy ( A ) -If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ;

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 2023-11-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Dear Consumer Financial Protection Bureau, I am writing to bring a serious issue to your attention regarding a recent incident involving an ATM deposit at [ Bank Name ] on [ Date ]. I, XXXX XXXX, deposited a significant amount of {$6800.00} during my lunch break, but the machine only credited {$2.00} to my account. This is an alarming discrepancy that requires immediate attention and resolution. 

Upon making the deposit, I noticed the discrepancy on the ATM screen and attempted to obtain a printed receipt to document the issue. Unfortunately, the machine failed to provide a receipt despite my repeated attempts. Understanding the urgency of the matter, I promptly contacted [ Bank Name ] to report the problem. 

During my conversation with a bank representative, I was assured that a credit would be applied to my account today. However, to my dismay, the credit has not materialized as promised. Given the substantial amount involved, I find this delay and lack of resolution deeply concerning. 

I kindly request your assistance in investigating this matter thoroughly. I implore you to take immediate action to send someone to inspect the ATM machine in question, as it is crucial to determine the cause of the discrepancy and ensure that it does not happen to other customers. 

I have diligently followed the necessary steps by contacting the bank and providing them with all the pertinent details, including the date, time, and location of the incident. Despite this, the issue remains unresolved, and I am left without answers or a resolution. I believe your intervention is necessary to rectify this situation promptly. 

Enclosed with this letter are copies of any relevant documents, such as my bank statement showing the discrepancy and any written correspondence exchanged with the bank. Additionally, I have kept a detailed record of my communication with the bank representatives, including their names, dates, and times of contact. 

I, XXXX XXXX, am deeply disappointed and concerned about the handling of this matter, as {$6800.00} is a substantial sum of money. I trust that the Consumer Financial Protection Bureau will take this complaint seriously and ensure a fair and swift resolution. 

I look forward to your prompt attention to this matter and a favorable resolution. Please do not hesitate to contact me if you require any further information or documentation. 

Thank you for your time and assistance. 

Sincerely, 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 2023-12-11
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: Credit inquiries on your report that you don't recognize

Complaint:
My information was sold and bought illegally because i was a victim of the Equifax data breach. I want these items Deleted from my credit reports effective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing. Please help me delete these illegal accounts from my credit reports : inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX tx XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-29
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: Account information incorrect

Complaint:
PLEASE SEE ATTACHED FILE

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 2023-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XX/XX/XXXX, I wrote to you requesting an investigation into items that I believed were fraud, inaccurate, and falsely reporting. To this date only response that I have received was computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. 
I further remind you that, as in White v. Experian Information Solutions, 993 F. Supp. 2d 1154 - Dist. Court, ( CD California 2014 ) ; you may be liable for violating the Fair Credit Reporting Act ( FCRA ) by recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of discharged accounts. 
I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS provide proof of alleged items. I request to be provided with specifically the original application, contract, note, or another instrument bearing my signature. 
In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt. 
I request this under 15 U.S. Code 1692g - Validation of debts. If information is not provided or the false reporting isnt removed ; as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 
14, 1995 ), you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated

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 2023-11-29
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: Account information incorrect

Complaint:
Account name : XXXX XXXX XXXX XXXX Account number : XXXX This company is in violation of 15 USC 1666b - a creditor may not treat a payment on a credit account under an open-end consumer credit plan as late for any reason. Under 15 USC 1681S-2 Responsibility of furnishers may not report late payments during XXXX. All late payments need to be removed immediately and display status PAID AS AGREED. 
Account name : XXXX XXXX Account number : XXXX This company is in violation of 15 USC 1681b Permissible purposes of consumer reports. The information on my account is invalid and inaccurate. THIS ACCOUNT NEEDS TO BE DELETED IMMEDIATELY. 
Inquiry : XXXX XXXX This company is in violation of 15 USC 1681N Civil Liability for willful noncompliance. This inquiry needs to be removed immediately. 
Inquiry : XXXX XXXX This company is in violation of 15 USC 1681N Civil Liability for willful noncompliance. This inquiry needs to be removed immediately. 
Account name : XXXX  XXXX Account number : XXXX This company is in violation of 15 USC 1681b Permissible purposes of consumer reports. The information on my account is invalid and inaccurate. THIS ACCOUNT NEEDS TO BE DELETED IMMEDIATELY. 
Inquiry : XXXX This company is in violation of 15 USC 1681N Civil Liability for willful noncompliance. This inquiry needs to be removed immediately. 
Inquiry : XXXX XXXX XXXX XXXX XXXX This company is in violation of 15 USC 1681N Civil Liability for willful noncompliance. This inquiry needs to be removed immediately. 
Inquiry : XXXX XXXX XXXX XXXX  This company is in violation of 15 USC 1681N Civil Liability for willful noncompliance. This inquiry needs to be removed immediately.

These companies listed are in violation. Under 15 USC 1681 section 602 A, I have the right to privacy.

15 USC 1681 section 604 A section 2 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 non-monetary relief
Consumer complaint received 2023-11-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I was able to attach all of my documents to remove tyhese 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 2023-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate 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 explanation
Consumer complaint received 2023-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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 appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The XXXX credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 

XXXX XXXX XXXX Balance : {$930.00} XXXX XXXX XXXX  XXXX Balance : {$2400.00}

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 2023-12-09
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Debt Amount : {$1900.00} Date opened XX/XX/2023 All of this above information is false, inaccurate and this is my second complaint. I have disclosed that I did not live at the residence the XXXX  account is associated with. The house was sold to XXXX and XXXX XXXX. I will be attaching the deed title to show proof. This debt belongs to the XXXX not XXXX. I have reached out to this company and they continue to state this is my debt and it is verified which is a LIE. 

I have not lived at that residence in years and this account is from XX/XX/XXXX of XXXX. This information, date, debt, address, is all false and incorrect. You are violating my fair credit report rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-09
Company: EQUIFAX, INC.
State: MI
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:
On XX/XX/XXXX  I went to dealership to look into purchasing a vehicle. I noticed my wallet was missing. Later that day I discovered that the wallet was not inside my home either. I went immediately to check my credit and noticed there were all kinds of fraudulent activity going on my report. I immediately went to the police to report the activity I notice. I then began to send the credit bureaus the police reports and identify theft reports to get these things removed, and they never responded to me at all. These fraudulent activities are holding me back from purchasing a new home and vehicle.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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've consistently made payments on time for this account, and it's causing me immense stress to see an incorrect late payment entry. I've never faltered in my commitment to timely payments.

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: EQUIFAX, INC.
State: OK
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 am writing to demand removal of a series of inaccuracies and Rights Violations XXXX, Equifax, XXXX and any other 3rd party agency, i am writing to demand removal of a series of inaccuracies and Rights Violations from my report. this is a violation of 15 usc 1681 ( a ) 4 and my right to privacy, will be forced to notify the CFPB and FTC of violations of both my rights as a consumer and your obligations as a consumer reporting agency. require 1000 per day if this reporting continues. 15 USC 1681a ( 2 ) a ( i ) clearly states transactions are to be excluded from the report. I would like all further reports to reflect this. I have no contract with XXXX, XXXX nor Equifax and ANY sharing of my private information, my non public personal information, my financial information, medical information is a violation of not only the FCRA but also HIPPA, GLBA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-15
Company: U.S. BANCORP
State: VT
Product: Prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
In XXXX, 2023 I received a prepaid Visa Gift Card for {$500.00} from a friend. In XXXX there were apparently multiple fraudulent charges using the card. I did not realize this until XXXX when I first used the card for several purchases. It was when I decided to see what the remaining balance was I learned about the fraudulent charges. In XXXX I contacted the US Bank XXXX card folks and explained the situation. They agreed to research it and eventually sent me a replacement card for {$110.00}. I received the card and activated it on XX/XX/XXXX, but have yet to use it. I re-contacted them because there was still {$100.00} missing on the card, and eventually after faxing to them the front and back of the replacement card and my drivers license they sent a letter dated XX/XX/2023 telling me they had made a final determination regarding my claim and that another card for {$100.00} would come out to me in XXXX business days. I have yet to receive it. And I still can not use the first replacement card they sent, or access the on-line details they keep telling me to use. 
At their request I have faxed the above referenced information to them seven times, and recently sent it via USPS as well. 
I'm not getting anywhere, and truly appreciate your help in this matter. Every time I call I'm told to fax the same info and call back in 7 days. Then we go around again. I'm due to call them next Tuesday, XX/XX/XXXX. I'm not sure I'll bother, but then they owe me {$210.00}, and they know it. 
At one point a representative actually gave me the address where she said a replacement card was sent ( to me presumably ) at an address in XXXX XXXX XXXX XXXX XXXX ) on XX/XX/XXXX. I've no idea if this happened or who got it but the address she provided was XXXX I've never heard of, and certainly didn't provide to 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 monetary relief