BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED 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 explanation
Consumer complaint received 2023-06-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I called the credit reporting agencies letting them know the inquiries and accounts are unauthorized/ not supposed to be visible on my consumer report. Never gave them permission or consent to report these unauthorized accounts. This is Aggravated Identity Theft 18 U.S. Code 1028A

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 absurd because I have consistently made timely payments on this account and have never been overdue. Please adjust my account to reflect this accurately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-29
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 XXXX is company that i do not know ... this account started in XX/XX/2022 affecting my credit score .. and they can not proff this account as mine..

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
There is an incorrect collection account on my credit report. 

Invalid account : XXXX XXXX for {$4600.00}

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 2023-06-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
incorrect LATE REPORTING PATMENTS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have no knowledge of this account. This account showed up on all 3 of my credit reports. Please remove this incorrect information from my credit reports. All 3 of my credit scores have dropped XXXX plus from this false information being added.I have no knowledge of this company, nor have I authorized them to use any of my personal Information. 

Account appears as : Name of Reporting Agency : XXXX XXXX XXXX Reporting opened : XX/XX/2023 ( 4 mos )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
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 XXXX Account name : XXXX XXXX  Account 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 non-monetary relief
Consumer complaint received 2023-06-29
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: Their investigation did not fix an error on your report

Complaint:
XXXX is an account that i do not remember as mine ... .. this accoun is a mistake in 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 2023-06-29
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:
On XX/XX/2023, I mailed your company some documents stating that there was information on my report that resulted from identity theft, and that I did not recognize, The USPS tracking number for my original mailing is XXXX Included in the mailing, was a printout of the FCRA subsection 605b stating that any information identified by the consumer as identity theft shall be blocked no more than 4 business days after receipt of such identifying documents, from the consumer report. 

The documents were confirmed to be received on XX/XX/XXXX by the XXXX. 

I called your company on XX/XX/XXXX at XXXX XXXX  PST and confirmed with 3 representatives that the documents have been received by your company. 

After multiple escalations of the call, I was informed that the documents received did not meet the internal criteria for Transunion to block or remove the information listed. I re-iterated to all representatives that the request was not contingent upon what Transunion -- a private company -- deemed to be acceptable. The federal laws put in place to protect consumers from this type of harmful and injurious reporting take precedent over Transunion 's internal criteria for adherence of the law. 

I was informed that Transunion would not be blocking the information identified as identity theft and they would only conduct and investigation with the creditors and allow 30 days for them to respond. 

This is a clear and direct violation of my rights as outlined by the FCRA. 

A copy of all documents furnished upon your company are included in this complaint as well as proof of delivery of said documents upon your reporting agency.

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 2023-06-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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:
Despite my persistent efforts to address the presence of fraudulent, inaccurate, and misleading items on my consumer report, the issue remains unresolved. The inclusion of these items has had a significant and detrimental impact on my life, causing immense stress and anxiety. I want to emphasize that I did not authorize any of this information to be associated with my name, as I have been a victim of identity theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I urge you to expedite the update of my account as I have always made payments on time. The current situation is causing me a great deal of distress and XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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 HAVE BEEN DEALING WITH THIS  COLLECTION AGENCY NAME : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX) ACCOUNT  NUMBER (XXXX) , AND EVEN WHEN I HAVE DISPUTED IT  WITH TRANSUNION JUST ABOUT 3 TIMES , INCLUDING ONES THAT I DID CALL  TRANSUNION ON (XXXX)  TO THE  DISPUTE DEPARTMENT WHICH  AT THE TIME THE GENTLEMEN WHO WAS RUSHING ME TO COMPLETE DISPUTE AND NOT VERY HAPPY  ON PHONE, I HAD THE FEELING THAT NOT A SINGLE THING THAT I WAS TELLING HIM TO STATE IN DISPUTE WENT THRU. THE GUY DID NOT HAVE THAT MUCH PATIENCE WITH WHAT I WAS STATING, NOT A VERY GOOD EXPERIENCE WITH TRANSUNION PEOPLE. 
ON XXXX I GOT  MESSAGE , THAT THEY COULD NOT REMOVE ACCOUNT FROM MY CREDIT REPORT FROM TRANSUNION.
0N XXXX I DECIDED TO GO AHEAD AND PUT ANOTHER DISPUTE ON TRANSUNION WITH  THE DIFFERENCE THAT THIS TIME I WAS GOING TO TYPE IT MY SELF, I DID GIVE THEM DETAILS OF PROBLEMS , AGENCY NAME, AND ALL THE HEADACHES THAT I WAS HAVING DOE TO BAD  CREDIT REPORT. ON XXXX I GOT MESSAGE THAT THANSUNION COULD NOT REMOVE ACCOUNT FROM MY CREDICT REPORT, AND THATS ALRIGHT I AM WRITTING   YOU TO PLEASE HELP ME UP WITH THIS MATTER.
BUT AWAY ON XXXX I DID DISPUTE THIS ACCOUNT (XXXX) WITH XXXX AND THEY WERE ABLE TO  DELETE IT (REPORT NUMBER
XXXX  ), I AM ALSO VERY HAPPY TO SEND PICTURES AND  CREDIT REPORT FROM EXPERIAN  IF YOU LIKE.
I DO WORK VERY HARD AND PAY MY BILLS ON TIME  TO HAVE A GREAT CREDIT REPORT ,  A REPORT THAT LATELLY DOES NOT LOOK LIKE IT JUST TO LOOK BEFORE THIS ACCOUT IN COLLECTION IN 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 2023-06-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 XX/XX/XXXX, I filed for XXXX  XXXX bankruptcy and included my previous XXXX XXXX, and XXXX XXXX accounts. Ive been on rebuilding my credit and decided to reapply for a XXXX XXXX line of credit in XX/XX/XXXX, and to my surprise, was approved. I was offered a line of credit in the amount of {$500.00} and was mailed a physical card with my name and customer account number. A few weeks ago, I decided I was going to make a purchase on their website but was informed that my account has been closed ( as of XX/XX/XXXX ) due to my credit history. XXXX not only reran my credit without my permission/knowledge but they closed a brand new account, which dropped my credit by XXXX points. In addition, I now show 2 inquiries when there should have one been one from XX/XX/XXXX. I called to discuss this matter with XXXX today and was told I need to file a written complaint. I spoke with a representative named XXXX XXXX and I speak with her supervisor, but she informed me that they would tell me the same thing which is to refer to the account closure letter that I received. This is a violation of my rights as a consumer and this has taken a toll on my credit that Im working hard to rebuild.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, 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 explanation
Consumer complaint received 2023-06-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS
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:
I have filed a claim because there has been fraudulent things being done on my consumer report by TransUnion, XXXX XXXX XXXX XXXX all three credit bureaus have been adding inquiries on my consumer report and collections that I do not authorize. No unauthorized user can BY LAW be falsely reporting things on my consumer report affecting my creditworthiness. I, the original Creditor do not owe any debt ; and the debt has also been disputed and sold to another 3rd party. I ask for any reporting agency and 3rd party to provide me documentation of an Original Contract signed by me & another party validating the alleged debt I Owe. A third party does not have an original contract with my signature used as an negotiable instrument Title 12 and by law if they do they would have to disclose this information stating I am the Creditor, & consumer funding the account with my signature as an Negotiable Instrument Which is another violation of these public institutions under U.S. code 15 USC 1611, 15 USC 1681 ( a ) ( 2 ).

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 2023-01-07
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX XXXX there is no XXXX party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 account below has violated my federally protected consumer rights to privacy and confidentiality under 15usc 1681. 

XXXX XXXX  -- XXXX, XXXX XXXX XXXX -- XXXX, XXXX  XXXX XXXX, XXXX 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  There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

604 A In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : # 2 In accordance with the written instructions of the consumer to whom it relates 623 A # 1 A Reporting information with actual knowledge of errors. 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 2023-06-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
A company has failed to update the current status of report I notified all three Credit Bureau of the situation and all have failed to properly investigate the issue. I reported a Company named XXXX  XXXX to all three Bureaus about inaccurate information and no steps have been taken to remove the inaccurate information from my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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'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 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 2023-03-07
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
On XX/XX/2023, I realized that I was being charged {$24.00} per month for Experian 's Credit Monitor service, so I cancelled the service and wrote Experian an email to ask when did I agree to this charge? And, I asked for any refund possible. As a side note, I use XXXX XXXX to monitor my credit for free. I received a refund for the latest {$24.00} charge and was somewhat happy with that. However, on XX/XX/XXXX and XXXX, I paid down my four credit cards. I paid down XXXX XXXX card by about 12 %. I paid down my XXXX card by 7.5 %, and paid down my XXXXi card by around 40 %. I paid off the {$46.00} on my XXXX card, and my student loan has also been paid off in full. So, I expected that after these payments posted that my credit score would go up. However, my Experian credit score decreased by XXXX points, from XXXX " Very Good '' to XXXX " XXXX ''. 

I feel that I am being penalized for cancelling Experian 's Credit Monitoring service. My XXXX score is XXXX and my XXXX score is XXXX, but neither of the latter two credit reporting agencies have been updated after the payments I made 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