BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights.15U.S.C1681 section 602 A. States I have the rights to privacy. 
15U.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 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any reason.

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 2022-03-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting 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 non-monetary relief
Consumer complaint received 2022-10-06
Company: EQUIFAX, 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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-06
Company: EQUIFAX, INC.
State: GA
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 XXXXXXXX XXXX Account # 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 XXXXXXXX XXXX Account # 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

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 2023-10-17
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: Personal information incorrect

Complaint:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

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 2023-02-21
Company: EQUIFAX, INC.
State: TX
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 Reported Balance : {$1200.00} Account Status : XXXX, XXXX XXXX CARD SERVICES XXXX XXXX Reported Balance : {$840.00} Account Status : CHARGE_OFF, XXXX XXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$1000.00} Creditor Remarks : Closed or paid account/XXXX balance Payment Status : Current, XXXX XXXX XXXX XXXX XXXX XXXX Amount : {$160.00} Date Reported XXXX XXXX Payment Status : Collection/Chargeoff, XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX 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 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 2022-03-06
Company: EQUIFAX, INC.
State: UT
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 who is submitting this CFPB complaint myself and to inform you that there is no third party involved in the process. I attached my Id docs so you will know who I am. This is not someone else is filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 reviewed my consumer report and have found that the accounts listed in the attached document are extremely inaccurate. A consumer reporting agency must reinvestigate the disputed information " within a reasonable period of time '' and " promptly delete '' credit information that has been found to be inaccurate or unverifiable. 15 U.S.C. 1681i ( a ).

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 2022-05-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original creditor Balance XXXX This account is a fraud account opened in my name, I have contacted both companies in assistance with getting this account removed from my credit report.I am disputing fraudulent or inaccurate information on 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 2017-06-17
Company: DISCOVER BANK
State: AL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
CHAPTER XXXX WAS FILED XX/XX/XXXX AND WAS DISCHARGED AFTER COMPLETING PAYMENTS ON XX/XX/XXXX.  APPROXIMATELY 2 MONTHS AFTER THE DISCHARGE, I STARTED RECEIVING HARASSING PHONE CALLS AND LETTERS FROM XXXX XXXX XXXX XXXX, XXXX XXXX DEMANDING I OWE AND MUST PAY A DEBT OF {$5200.00} FROM DISCOVER CREDIT CARD. I MAILED XXXX AND DISCOVER COPIES OF THE FILED CLAIM FOR DISCOVER AND THE LETTER OF DISCHARGE. I HAVE CONTACTED THE ATTORNEY WHO HANDLE MY CHAPTER XXXX CASE AND HIS ASST TOLD ME THIS IS NOT AN ACCURATE ATTEMPT TO COLLECT. SHE STATED I HAVE SETTLED WITH DISCOVER AND THIS IS A THIRD PARTY COLLECTOR FALSELY ATTEMPTING TO COLLECT. THERE IS NO RECORD ON MY CREDIT REPORT TO DATE ( XXXX XXXX ) SHOWING ANY HARD COPIES OTHER THAN THE HISTORY OF THE CHAPTER XXXX, IN FACT IT LISTS DISCOVER AS A XXXX BALANCE AND ACCOUNT CLOSED. I AM TIRED OF BEING HARASSED BY XXXX AND THE UNDUE STRESS AND ANXIETY THEY ARE CAUSING ME IS UNNECESSARY.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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 sent out two letters to the department of educationXXXX and credit bureaus to provide verification that its my debt with my signature on XX/XX/2023 and XX/XX/2023 the company never sent the verification and credit bureaus did not respond either with proof. they put this on my credit without notifying me before hand and altered my credit score

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 2022-05-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 XXXX Acct reference # 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

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 2022-05-06
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act XXXXdept of Ed XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX 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

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 2022-03-06
Company: Experian Information Solutions Inc.
State: UT
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 who is submitting this CFPB complaint myself and to inform you that there is no third party involved in the process. I attached my Id docs so you will know who I am. This is not someone else is filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting 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 non-monetary relief
Consumer complaint received 2023-09-08
Company: Experian Information Solutions Inc.
State: TX
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 writing this letter again to follow up with your company and let you know that your company is still violating the Fair credit reporting act and there is strict liability for data furnishers which means you will be held accountable whether you meant to do it or not. I mentioned in the previous letter that the reporting for every consumer reporting agency is inaccurate. The Fair Credit Reporting Act states that inaccurate credit reports directly impair the efficiency of the banking system and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system I do not have confidence in the banking system due to your company abusing me and I feel as though its because I am a minority. I need these accounts and inquires removed from my credit report immediately because your company it is ruining my life and should be held accountable for breaking statutory laws. I have a right to privacy under the FCRA and I feel abused and your company is ruining my reputation. You have thirty days to delete this account from my credit report or else I will see litigation and monetary relief for being non compliant and violating my consumer rights.

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 2023-07-11
Company: Experian Information Solutions Inc.
State: NM
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I have been tracking my credit score on Experian and XXXX XXXX and paying for their credit reporting service. I have raised my credit score to XXXX according to their report. I also have two other credit scores reported on that site that show XXXX scores. I applied for a mortgage and was turned down by two different lenders because my credit score was reported to the lenders as XXXX. This is credit fraud. Either Experian is committing credit fraud for charging for a credit report that is not accurate, or the lenders are turning down my mortgage application based on fraudulent credit score. The different in the two scores is XXXX points. The lenders I have applied to are XXXX XXXX in XXXX XXXX NM and XXXX mortgage company. I have disputed all the incorrect information on my credit report. I do not have any collections, all my accounts are either paid off or current.

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 2022-03-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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 who is submitting this CFPB complaint myself and to inform you that there is no third party involved in the process. I attached my Id docs so you will know who I am. This is not someone else is filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting 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 non-monetary relief
Consumer complaint received 2023-12-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
15 U.S. Code 6805 - Enforcement I need the Consumer Financial Protection Bureau ( CFPB ) to open up and do a thorough investigation into the major credit bureaus regarding the credit bureaus refusing to delete and remove fraudulent hard inquiries from a consumer credit report and UPDATE TO PAID AS AGREED ON ALL ACCOUNTS REPORT reporting inaccurate information and violating my privacy rights. These accounts have violated and are not in compliance with law THE FOLLOW ACCOUNTS AND COMPANYS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$4000.00} ) The hard and inquires that are negatively affecting my creditworthiness are not in complaince with the FRCA the several non-mailable addresses that I have demanded to be removed that are affecting my report. As a federally protected consumer under the Federally Protected Consumer Act The Privacy Act of 1974 my rights have been majorly violated by these reporting companies and agencies. Not one company has permission to report my information. they do and are reporting inaccurately. 
15 USC 6802 : Obligations with respect to disclosures of personal information IT IS ILLEGAL TO REPORT TRANSACTION HISTORY -15 U.S. Code 1681b - Permissible purposes of consumer reports no company has received my written non written verbal nonverbal consent to do publish my personal information on my report the information according to15 usc 1681 ( b ) ABOVE ALL THINGS TRANSUNION ACCORDING TO SEC.FILINGS IS NOW TRANSUNION INTERMEDIATE HOLDINGS, INC. A REPORTING AGENCY I DO NOT KNOW I did not consent for them to receive any information. 
TRANSUNION /TRANSUNION INTERMEDIATE HOLDINGS , INC , XXXX , XXXX ARE IN VIOLATION OF MY RIGHTS ARE IN VIOLATION OF THE LAW I AGAIN DID NOT GIVE ANY CONSENT FOR ANY THIRD-PARTY COMPANY TO RECEIVE MY INFORMATION PRIVACY ACT OF 1974 15 U.S.C. 1681-1681 FEDERAL REPORTING CONSUMER ACT 15 USC 1681 - [ EROMSIBLE PURPOSE 16 CFR 433.3 15 USC 1681 ( b ) 15 USC 6802-6805

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 2023-09-08
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: Account status incorrect

Complaint:
In accordance with the Fair Credit Reporting act XXXX  Account # 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

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 2018-02-15
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
On XX/XX/2018 I purchased {$98.00} of cryptocurrency from Coinbase and used my visa debit for payment. The transaction was successful however I noticed the next day they charged me {$98.00} twice but only credited my coinbase account with {$98.00}. After speaking to my bank they said in 10 days the extra charge would likely be returned. On XX/XX/XXXX it was returned, however this morning XXXX XX/XX/XXXX ) another charge for {$98.00} hit my bank account. This is an unauthorized tranasaction and I haven't received any funds in my coinbase account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08
Company: NAVY FEDERAL CREDIT UNION
State: GA
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:
My information is all over black web so my information is over with right now.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XXXX XXXX I logged in to my BOA account to view my min pmt due XXXX credit card. It showed a minimum payment due on XXXX of {$82.00}. I transferred {$100.00} via BOA XXXX from my checking to my credit card with BOA and and the payment cleared on the XXXX of XXXX. However, the XXXX was not applied to the minimum payment due. I called on the XXXX of XXXX and spoke with a XXXX and the XXXX and she stated that she would reverse the {$100.00} to my checking account and so that I could submit the payment. She stated it would take 10 days. I allow XXXX to pass and followed up today and the fund were not reversed. XXXX stated that it could take another XXXX if he submit a reversal request but by then it would hit my credit. I had to pay an additional {$82.00} on top of the {$100.00} that I had paid to keep from my credit being affected which isn't right.

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