BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-30
Company: EQUIFAX, INC.
State: VA
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:
The following items continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). If you do not verify these items, I will bring legal action against you. To help this situation be settled as quickly as possible, kindly uphold the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-20
Company: EQUIFAX, INC.
State: GA
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:
This was not sent in error I am a consumer by law and I am frustrated. As of today its been over 90 days and they have yet taken any action to correct the inaccuracies. They Violated The United States Code Law under permissible purpose. I never gave them any written consent to report anything on my consumer report no consent is identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08
Company: Block, Inc.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
This problem is with cashapp.I was in XXXX, me and my friends used a taxi to the airport, the taxi driver first used my friend card which came to XXXX $ he claimed it didnt work which it actually did and then proceeded to use mine but charged my card 3 times for the amounts of XXXX, XXXX and the other one for {$1900.00} on XX/XX/2023! And I didnt noticed till I got back home in the U.S I disputed this through cashapp because I did not authorize this man to do so and cashapp denied my transaction, this literally hurts my soul because I dont even have a lot and they took all my money and as I told cashapp I have never even disputed anything ever. Also too I can not get in touch with the merchant because its not attached to a company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
On XX/XX/2022 I sent in a letter and identity theft report for the unauthorized inquiries placed on my 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 2023-10-26
Company: Experian Information Solutions 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:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved 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

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 2019-06-20
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: Their investigation did not fix an error on your report

Complaint:
I have notified Equifax many many times by phone, email and mail as to the account in reference and they have called me but spoken to someone other than myself and have given out personal information of mine which I did not authorize, when I notified the XXXX back in XXXX or 2018 of this after prior emails to him that is when all response has stopped. 
There is an account on my credit file for XXXX listed as a Foreclosure ( which I have never had any property in my name ever ) and I have notified Equifax many times as I have stated above. All they do is update my credit file as the creditor said it was mine. 
First off I would like to know what physical proof that they have received from such creditor ( which they stated that the creditor just said it was correct, so no proof was ever sent ). 
How can you place something on someones credit and not verify that it is true and correct which is what they are supposed to do. And since this has been going on for over 3 years I am at the point that this needs to be DELETED IMMEDIATELY. I have verified with the county office where this was supposed to have take place and there is infact NO FORCLOSURE proceedings ever recorded in my name as I stated above. 
If there was a FORCLOSURE it would have been listed at the county office at the state where this was supposed to have taken place. 
I AM AT THE POINT THAT THIS HAS BEEN RUINING MY LIFE LONG ENOUGH AND THEY HAVE HAD MORE THAN AMPLE AMOUNT OF TIME TO DELETE THE ENTRY. 
I do have emails between them and I and like always it just gets brushed under the rug and no help is given. 
The CFPB regulates them and you should not let them continue to treat citizens in this manner. 
Your immediate response would be greatly appreciated as I feel I have been treated unfair long enough and something needs to be done.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX, XXXX and Transunion Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please update the following accounts completely from my Credit Reports : XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$6600.00}, XXXX XXXX Balance : {$8100.00}, XXXX XXXX XXXX  XXXX Balance : {$25000.00}, XXXX XXXX Balance : {$4900.00}

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 2023-10-25
Company: Experian Information Solutions Inc.
State: NY
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 NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 
ITEMS. XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXXXXXX  Balance : {$1000.00} ; XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX  XX/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 explanation
Consumer complaint received 2022-12-06
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:
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. 

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 an 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 and 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 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 2023-10-25
Company: Experian Information Solutions 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:
XXXX XXXX  - ACCOUNT OPENED FOR {$1100.00} ON XX/XX/2021 XXXX XXXX-ACCOUNT OPENEED FOR {$290.00} ON XX/XX/2021 I HAVE ADVISED THE COMPANY THAT THESE ARE NOT MY ACCOUNTS AND IHAVE PLACED A DISPUTE ON ALL OF THE CREDIT BUREAUS AND THEY ( EXPERIAN AND XXXX HAVE SAID THEY SPOKE WITH CREDITOR AND CHARGES ARE VALID. I HAVE ASKED THE BUREAUS TO PROVIDE PROOF AND THEY HAVE FAILED TO PROVIDE ANY INFORMATION

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 2023-01-16
Company: Experian Information Solutions Inc.
State: PA
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 has violated my federally protected consumer rights to privacy and confidentiality under the 15 USC 1681. 

XXXX XXXX XXXX XXXX has violated my rights. 

15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish accounts without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose Delete this/these accounts unless you want to be held accountable for {$1000.00} per 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 2022-10-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am notifying you about my identity theft in my letter of complaint since I was a victim of it. I've discovered that some of the account included on my credit report are either not mine or was opened without my knowledge. I need your help to remove this account from my report. Any account referenced in an identity theft report must be blocked by the credit bureau, according to FCRA section 605b. I've included a few documents to help in the effort to stop the submission of false information on my report. 
XXXX XXXX XXXX XXXX : {$520.00}

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 explanation
Consumer complaint received 2022-05-20
Company: Affirm Holdings, Inc
State: CA
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:
THIS IS NOT A DUPLICATE REQUEST. YOU MUST ANSWER AND EXPLAIN AFFIRMS UNLAWFUL TACTICS. CLOSING THIS COMPLAINT WILL ONLY LEAD TO ANOTHER. IF YOU CLOSE THAT ONE, I WILL OPEN ANOTHER AND WE CAN CONTINUE THE CYCLE UNTIL AFFIRM ADDRESSES THE FALSE INFORMATION IT KNOWINGLY REPORTED TO THE CRA. 

This is a follow up to a previous complaint ( # XXXX and XXXX ) that was opened, which the company made false and inaccurate statements in their response that now need to be resolved. Please see the previous complaint if additional context is needed. On XX/XX/XXXX, Affirm responded to complaint # XXXX, with several untruthful comments regarding previous communication from Affirm representatives. In their response, they wrote such things as " The email noted that this could take a minimum of 30 days to be reflected on XXXX XXXXXXXX XXXX credit report '' when in reality the email they are speaking of states " Please allow 3-5 days for this to update on your Experian Credit Report. '' They did however the next day in a new message make a different statement claiming to need 30 days to resolve the false reporting to the credit bureau. It has now been 30 days and they still have not removed the false information they knowingly reported to the CRA. Also in their response dated XX/XX/XXXX, the representative stated " At this time, Affirm would also like to confirm with XXXX XXXX the tradeline is in the process of being removed from his XXXX report. '' This statement is a blatant lie, since the very next day ( XX/XX/XXXX ) they responded to the disputed I initiated with XXXX validating the account including its status and balance as accurate. I have since made several attempts to contact Affirm which went unanswered, so today I attempted to reach someone over the phone. When I got through I asked to be transferred to a supervisor and spoke with XXXX and later with XXXX. Both bluntly acknowledge the company had lied in their response, as well as each and every time they committed to removing the trader line from my CR. They then told me that there was nothing else anyone was planning to do and that I just needed to live with the negative information on my CR. I was left astounded by Affirm 's arrogant, " we're above the law '' attitude.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20
Company: SYNCHRONY FINANCIAL
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: Credit inquiries on your report that you don't recognize

Complaint:
Called the companies to let them know about the unknown inquiry and asked for them to investigate and delete within the time frame designated by the CCPA

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 2023-08-30
Company: EQUIFAX, INC.
State: PA
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:
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 I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under XXXX XXXX Code XXXX Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-01
Company: Experian Information Solutions Inc.
State: NC
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 recently looked at my credit report and found that the credit bureau consistently reports accounts with inaccurate information. The Fair Credit Reporting Act has clearly been violated in this case. I've already spoken with them about this matter, but I haven't heard back from them to this point. Please correct this immediately. 
XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$0.00}

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 2022-05-20
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Credit inquiries on your report that you don't recognize

Complaint:
Called the companies to let them know about the unknown inquiry and asked for them to investigate and delete within the time frame designated by the CCPA

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-20
Company: EQUIFAX, INC.
State: DE
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 am

writing to have the following information deleted from my file. I have recently been denied for a heating system and when I pulled my credit report I noticed a account that does not belong to me reporting on my file. I also noticed about seven inquires that dont belong to me. I am a victim of identity theft and did n
ot make the charge. I ask that the items be deleted to correct my credit report.

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible so that I can get the repairs I need done without having to pay thousands of dollars that I do not currently have.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-16
Company: EQUIFAX, INC.
State: NJ
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:
XXXX XXXX  is reporting two credit cards to my Equifax credit report that are incorrect. Specifically, it is reporting a card that was never received ; in which they have full knowledge of nonreceipt ; to the Equifax credit bureau with a 45 %, and 95 % utilization that is tearing down my scores. Card ending in XXXX, or XXXX-never received by me; reported never received. A new card was issued by the XXXX XXXX  ending in XXXX in place of XXXX XXXX. XXXX XXXX  has failed to report card ending in XXXX with a XXXX balance to Equifax credit bureau. XXXX XXXX  updated card ending in XXXX with a balance and 95 % utilization knowing that the card was switched ; by them to a XXXX ending in XXXX. XXXX XXXX  has purposely failed to report the correct card ending in XXXX to Equifax. 


In short, XXXX XXXX  is purposely reporting old, outdated, and incorrect credit card information to Equifax credit Bureau. Currently, I have one credit card-XXXX from XXXX XXXXending in XXXX with a XXXX balance. Please have them update it immediately. 

Moreover, when I first applied for the XXXX credit card, I was told after 1 year I would receive my {$300.00} security deposit back. I have not received such back, despite paying my balance up in full. In fact, I was told that I would not be receiving it. This is fraudulent misrepresentation. I want this to be resolved asap. I want XXXX XXXX to update Equifax, and return to me my security deposit as initially promised.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-06
Company: Experian Information Solutions Inc.
State: CA
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3200.00}, {$3000.00}, {$8000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OPEN ACCOUNTS 1. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$3200.00} -This is not my account. 

2. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$3000.00} -This is not my account. 

XXXX. XXXX/XXXX  XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$8000.00} -This is not 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 explanation