BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-02-16
Company: EQUIFAX, 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:
Equifax Breach my information last XX/XX/2017. My identity was stole and I have Fraud on my credit report. I check my XXXX XXXX XXXX and found that I have no credit report found ( see attachment ). Equifax refuses and violates the FCRA section 605B by not  blocking my fraudulent accounts. I attached my FTC affidavit and police report but Equifax refuses to accept it and is trying to find an excess to not block these fraudulent accounts. I need the CFPB to set up and put pressure to follow the law. 


Dear Equifax FTC Report Number : XXXX Victim Fraud Assistance Department, I have included all pages with the official police report from the XXXX Police Department. Also, you have a notarized FTC Federal Identity Theft Victim 's Complaint and Affidavit. Under FCRA 605B ( 15 U.S.C. 1681c-2 ) you are to block any information in the file of a consumer that the consumer identified as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. I sent you clear legible copies of my credit report, FTC Identity Theft report, Official copy of the Identity Theft Police Report signed and notarized. I previously notified you in recent certified letters and affidavits that I am a victim of identity theft, and requested that you do the following : Close the unauthorized accounts and credit inquires Remove any charges on the unauthorized account, and Take steps to remove information about this account from my credit files I still have not received written confirmation of these actions. As I stated before : I am a victim of identity theft. I recently learned that my personal information was used fraudulently. I did not open or authorize these accounts and inquiries, and I request that it be closed immediately. I have enclosed a copy of my FTC Identity Theft Report. Because the information you are reporting is the result of identity theft, and inaccurate, I request that you stop reporting this information to Equifax, as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as possible. 

I also have enclosed a copy of the F.T.C 's Identity Theft Affidavit, which explains your responsibilities when reporting information to Equifax. Please stop reporting this fraudulent information and delete any fraudulent items as soon as possible. If you do not otherwise block my consumer information on my credit reports I will be left with no choice but to file a lawsuit that you volatile the F.C.R.A 605B law and how Its affecting my ability to work and buy a home. 


Sincerely, cc : Pennsylvania Attorney General Office cc : XXXX XXXX XXXX cc : Consumer Financial Protection Bureau cc : Office of United States Senator XXXX XXXX cc : PA Banking and Securities

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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.

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 inructions 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 2023-11-04
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have sent multiple letters to XXXX regarding this matter. They have not verified the information and they are still reporting inaccurate information to my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXXXXXX Balance : {$990.00} XXXX  XXXX Balance : {$680.00} XXXX  XXXX Balance : {$13000.00} XXXX  XXXX XXXX Balance : {$550.00} - XXXX  XXXX XXXX Balance : {$490.00} XXXX  XXXX XXXX Balance : {$3400.00} XXXX  XXXX Balance : {$13000.00} XXXX  XXXX XXXX Balance : {$490.00} XXXX  XXXX XXXX Balance : {$3400.00} XXXX/XXXX  XXXX Balance : {$930.00} XXXX  XXXX Balance : {$14000.00} XXXX/XXXX  XXXX Balance : {$680.00} XXXX  XXXX XXXX Balance : {$550.00} XXXX  XXXX XXXX Balance : {$490.00} XXXX  XXXX XXXX Balance : {$3400.00}

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 2023-09-02
Company: Experian Information Solutions Inc.
State: FL
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I am writing to express my deep frustration and concern regarding the recent disputes I have initiated with the three agencys. I have requested both disputed information and information used to verify the accounts on my credit report from all three credit bureaus. However, I have encountered a troubling issue in this process. 

Each of the bureaus has informed me that they do not conduct investigations themselves. Instead, they rely on the information provided by the companies being disputed to determine the accuracy of the reported data. This approach has left me unable to obtain any tangible proof of the disputed items, which, as per the Fair Credit Reporting Act ( FCRA ), requires a full and complete investigation. 

Furthermore, after sending letters to all three bureaus in an attempt to exercise my rights to dispute, I have encountered further obstacles. XXXX, in particular, has rejected my dispute letter and returned it to me. Moreover, I have found myself denied access to my credit report altogether. 

I am deeply concerned that these actions by your agency may not only be a violation of the FCRA but also a breach of my rights as a consumer. I urge them to address these issues promptly and provide a transparent and comprehensive process for credit report disputes, in line with the legal obligations outlined in the FCRA. 

I request that they investigate the disputed items on my credit report thoroughly and provide the necessary documentation to support your findings. Additionally, I kindly ask that they rectify the situation that has led to the denial of my rights to dispute and access my credit report. 

Please treat this matter with the utmost urgency, as it has significant implications for my financial well-being. I expect a prompt response detailing the steps they will take to resolve these concerns and ensure compliance with the FCRA.

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 2023-10-09
Company: AMERICAN HONDA FINANCE CORP
State: NV
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:
XXXX XXXX XXXX refuses to correct an error on my credit report due to a misapplied payment. My account has never been late and I have been a XXXX customer for many years without ever missing a payment. A check was lost in the mail for two weeks then somehow arrived at XXXX and they cashed my check. This was not my fault and I immediately reached out to them via phone on XX/XX/XXXX which was the next business day. They were closed on weekends. The XXXX representative was very polite and professional. She told me what to do. I wrote to XXXX corporate but they keep sending my automated letters that have nothing to do with my issue. I need my account updated to accurately reflect my payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10
Company: Block, Inc.
State: IN
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I went to a sushi restaurant and was give food I had an allergic reaction to. I asked both the company and cash app for the refund and the company has tried to give but cash app refuses to do the refund. I properly followed their rules and they wont give me any info. Picture uploaded is from when they told me they would send the info and never did.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-05
Company: PNC Bank N.A.
State: OH
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
On XX/XX/2021, I deposited a check in the amount of {$4000.00} into my personal checking account with PNC Bank. The check was arranged by XXXX XXXX XXXX who seemingly was my manager for the company XXXX XXXX XXXX XXXX of which I seemingly was employed with at the time. I was told by XXXX XXXX the funds were for payment to contractors and office equipment. The financial institution 's name on the check was PNC bank. The {$4000.00} was posted to my account by XX/XX/2021. After the funds were posted, with instructions from XXXX XXXX, I sent payments to individuals he provided. 
On XX/XX/2021 I received another check arranged by XXXX XXXX. The check was in the amount of {$4500.00}. According to XXXX XXXX, the funds were to be used for additional office equipment. I deposited the check into my account the same day. Shortly after depositing, XXXX XXXX sent a XXXX message wanting to know the status of the deposit. When I checked my account on-line, I did not see the check showing as pending. I contacted PNC customer service and spoke to a rep. The person did not see the pending deposit either. I returned to the branch where I made the deposit. At the branch I learned the {$4500.00} check as well as the {$4000.00} check were fraudulent. I informed XXXX XXXX of what I was told regarding the checks. He denied the checks were fraudulent and said the accounting dept would follow-up with PNC which did not happen. PNC bank reversed the {$4000.00} from my account. I tried to find out from PNC why the {$4000.00} was posted to my account before vetting the check as the financial institution on the check was PNC bank. Had PNC bank vetted the check, they should have been able to determine the check was fraudulent before posting to my account. PNC essentially told me the funds were posted to my account based on their business process. Since the check was not vetted, I requested the {$4000.00} be refunded to my account. The bank is refusing to refund the money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15
Company: EQUIFAX, 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:
This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself.This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b 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 2023-01-19
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:
This is my second time contacting you about a IDENTITY THEFT issue that was not handled. 
I am a Victim of Identity Theft from XXXX XXXX XXXX. MY CLAIM NUMBER IS - XXXX. There is information that on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be, PERMANENTLY DELETED FROM MY CREDIT REPORT. 

My request to DELETE PERMANENTLY THE FRAUDULENT ITEMS FROM MY CREDIT REPORT is not being made in error ; nor is it being made on the basis of a material misrepresentation of fact by me relevant to the request to delete the identified transactions. The identified transactions are not information related to any transaction by me as the consumer they are : THESE ADDRESS ARE NOT MINES- XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX A copy of my disputes, the ADDRESSES AND FRAUDULENT ITEMS ARE screen shoted so theres no confusion about the accounts, addresses & companies that I am disputing. 

I HAVE BEEN TRYING TO DELETE THIS ADDRESS AND YOU ALL WONT LET ME DUE TO THEM BEING CONNECTED TO FRAUDULENT ACCOUNTS THAT WAS OPENED. *** MAKE SURE THAT MY CREDIT REPORT IS NOT **FROZEN OR LOCKED- NOR HAVE A FRAUD ALERT ON IT** PLEASE SEND ME A FULL DETAILED READING OF MY PERSONAL CREDIT REPORT SO I CAN KEEP AN I ON MY CREDIT. 

I DONT WORK AT EMPLOYER- XXXX XXXX XXXX XXXX XXXX XXXX I WORK AT XXXX XXXX XXXX SURE THAT MY CREDIT REPORT IS NOT **FROZEN OR LOCKED- NOR HAVE A FRAUD ALERT ON IT** I By law, Part of my Compensation approves, XXXX years of specially negotiated, three-bureau credit monitoring and identity protection services through XXXX and an XXXX XXXX XXXX of XXXX credit monitoring and identity protection services through XXXX. The XXXX monitoring has a comparable retail value of {$24.00} per month and has a number of features that are typically not available in free credit monitoring services offered to the public. ( App. XXXX, XXXX ). The one-bureau credit monitoring shall be provided separately by XXXX and not paid for from the settlement. 
A copy of section XXXX of the Fair Credit Reporting Act, which requires you to DELETE the fraudulent information on my credit report resulting from identity theft within XXXX business days and to promptly notify the furnisher ( XXXX ) of that information. 

I appreciate your prompt attention to this matter, and await your reply.

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 2023-04-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: 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, XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX : # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.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 2022-02-17
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: Account information incorrect

Complaint:
This account never should have been sent to collections, but currently it indicates the status as Account settled for less than the total amount owed which is patently false, I paid the full balance of {$450.00} ( even though the financing contract clearly shows my down payment of {$50.00} and the subsequent total amount financed of {$390.00} ).

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 2021-07-05
Company: EQUIFAX, 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:
An unverified Chapter XXXX Bankruptcy is on my credit report. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that the Credit Reporting agency disclose to me all the documents that they have recorded and retained in my file at the time of this request concerning the accounts that they are reporting on my credit report. They have responded by saying that these accounts have been verified. I would like copies of the documents that they have in your files that were used to verify them. If they do not have any documentation in their files to verify the accuracy of the disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties they are damaging my reputation and credit worthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24
Company: Experian Information Solutions Inc.
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: 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.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 explanation
Consumer complaint received 2022-02-17
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
My name is XXXX XXXX XXXX, Back in XXXX of 2021 I requested that all XXXX bureaus Validate and Verify a Bankruptcy that was showing on my credit reports, they verified it as accurate and that the information was supplied by the courts. Well I reached out to the courts and the courts denied that fact that they supply anything to any 3rd party such as credit bureaus, so I ask ... ..how did the Bureaus validate this Fraudulent Bankruptcy? I demand that it is removed immediately because it inaccurate and unverifiable and the bureaus lied about them verifying the information with the courts.

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 2022-03-27
Company: Experian Information Solutions Inc.
State: TX
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:
I was taken advantage of due to mild practice of several laws were being broken under FCRA by your company this cause financial PROMBLEM DEFORMATION OF CHARACTER I CAN NOT GET A JOB AND APPLY FOR CREDIT I CANT EVEN GET A SBA LOAN DUE TO THE PANDEMIC .UNDER THIS CRISIS YOU HAVE HURT MY ABILITY TO APPLY FIR CREDIT I ALSO HAVE PROOF WITH TRACKING NUMBER THAT THE COMPANY HAVE GOT TA MY 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