BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Since i Originally got this card, I have not been able to use it once. Initially after first getting the physical card, they blocked it when I attempted to use it then asked for further information which I told them i would not provide. Nor did i have to provide this information because I am the original creditor and consumer. They have since then not removed any such block nor have respected any of the previous complaints made on them, they have sent me another letter asking for information and admitting to stopping me from using credit and are causing me damages by disabling me from purchasing goods and services.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
Capital One claimed an alleged account was opened on XX/XX/2018 ( XXXX yrs, XXXX mos ) The account was closed on XXXX XXXX. 

The account is causing my score to drop tremendously. 

I have been in contact with capital one numerous times and have not gotten a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-11
Company: EQUIFAX, 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 response to consumer: Closed with explanation
Consumer complaint received 2021-07-31
Company: ACIMA CREDIT, LLC
State: VA
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:
I opened an account with XXXX XXXX in or around XX/XX/XXXX. The account was set up with automatic payment installments through Acima Credit. In XX/XX/XXXX, I approved a payment deduction from my bank ( XXXX XXXX XXXX ). The bank flagged the amount and business as fraudulent payment. After verifying the funds were confirmed paid. However, Acima Credit reported my account as late on my credit report. 

I disputed this information through Credit Bureaus, it was temporary removed from my records but recently reappeared. Further noticing a negative change in my credit report making my scores lower and greatly impacted my ability to qualify for credit. 

This item has been disputed through CFPB in the past.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
Good evening, Thank you for taking the time with this matter. Many of the inquiries on my account were not authorized when I was applying for auto loans, they told me they would be applying for XXXX XXXX but did not know they sent my information to other financial companies. 
The below list is all of the inquiries that I did not authorize. 
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

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 2021-08-01
Company: EQUIFAX, 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: Account status incorrect

Complaint:
THIS IS MY SECOND COMPLAINT! The first one was submitted on XX/XX/XXXX. 
I am a victim of the hurricanes that happened in XXXX, as well as XXXX. Previously, when I submitted my complaint it was regarding the credit reporting for XXXX  XXXX XXXX and XXXX XXXX. In reviewing a copy of my current credit report I find inaccurate information relating to both these accounts. I have tried contacting XXXX  XXXX XXXX and XXXX XXXX, as well as, speaking to the credit bureaus, XXXX, Equifax and XXXX  regarding this issue. No one is resolving the problem! 
First of all, the XXXX  XXXX XXXX account reflected on XXXX  was corrected after my dispute to show a charged off, closed account which was last updated in XXXX, XXXX as a charge-off instead of an update in XXXX, XXXX with a separate charge-off for the month of XXXX, XXXX, XXXX, XXXX. Now, today the account shows a status date of XXXX, XXXX with a balance updated XXXX, XXXX and two separate charge-offs for the months of XXXX and XXXX. The report shows a charge-off in XXXX, XXXX but does not show anything for the months of XXXX, XXXX thru XXXX, XXXX, then it shows charge-offs in XXXX and XXXX. This information is inaccurate and confusing! 
Next, Equifax shows the account as a closed, charge-off account with a status updated XXXX, XXXX and charge-offs on the months XXXX, XXXX, XXXX, XXXX, XXXX. The account is closed. The charge-off was made in XXXX, XXXX. They should not continue to report a charge-off. Re-reporting the charge-off every month is ruining my credit. The hurricanes, the pandemic and this inaccurate credit reporting will end my business! 
XXXX XXXX  just continues to show the account as charged off every month. So far, for the months of XXXX, XXXX, XXXX, and XXXX, XXXX. They did not try to resolve the matter when I disputed it. 
PLEASE SEE THE ATTACHED DOCUMENTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11
Company: EQUIFAX, INC.
State: WI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
After having a credit card opened with XXXX XXXX XXXX  and then experiencing identity theft u had to close all my accounts and pay off all balances. The balance of {$630.00} was paid XX/XX/2020 over the phone and then the account was closed. The card still appears in my credit report and with a higher balance stating that it is delinquent and charged off.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-11
Company: EQUIFAX, INC.
State: NJ
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:
Dear CFPB, I am writing to file a complaint regarding a violation of my rights under the Fair Credit Reporting Act ( FCRA ) by the XXXXhree major credit reporting agencies, Equifax, XXXX, and XXXX. The specific violations of the FCRA include : Right to Privacy ( 15 USC 1681 Section 602 ) : The actions of Equifax, XXXX, and XXXX have infringed upon my right to privacy as outlined in the FCRA. They have mishandled and disclosed my personal credit account information without proper authorization. 

Consumer Reporting Agency Obligation ( 15 USC 1681 Section 604 ( a ) ( 2 ) ) : Pursuant to 15 USC 1681 Section 604 ( a ) ( 2 ), Equifax, XXXX, and XXXX, as consumer reporting agencies, have furnished account information without obtaining my written instructions. This action is in direct violation of my rights under the FCRA. 

Definition of Consumer Report ( 15 USC 1681a ) : The credit reports provided by Equifax, XXXX, and XXXX do not fall within the definition of a consumer report as outlined in 15 USC 1681a. The reports contain information solely regarding transactions or experiences between myself and the entities making the reports and should not be classified as consumer reports subject to reporting and disclosure. 

Treatment of Payments on Credit Card Accounts ( 15 USC 1666B ) : The credit reporting agencies, Equifax, XXXX, and XXXX, have inaccurately treated payments on my credit card accounts as late, which is prohibited under XXXX5 USC 1666B. This treatment is in violation of the specific provisions outlined in the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10
Company: EQUIFAX, INC.
State: AZ
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:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Arizona XXXX SS # : XXXX Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute several items on my credit report that I believe are inaccurate and unjustified. The following accounts have negatively impacted my credit score and I request that they be investigated and corrected or removed from my credit report : XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX Collection Account XXXX XXXX XXXX XXXX Collection Account Medical XXXX Collection Account XXXX  XXXX Collection Account XXXX XXXX XXXX Charge Off Account XXXX XXXX  XX/XX/XXXX Inquiries XXXX XXXX XX/XX/XXXX Inquiries XXXX XX/XX/XXXX Inquiries XXXX XX/XX/XXXX Inquiries XXXX XX/XX/XXXX Inquiries XXXX  XXXX XXXX XX/XX/XXXX Inquiries XXXX XXXXXX/XX/XXXX Inquiries XXXX  XXXX NA XX/XX/XXXX Inquiries Furthermore, I also question the validity of the inquiries made by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, as they were not authorized by me and I do not have any business or personal relationship with these entities. 

I would like to bring to your attention that the Fair Credit Reporting Act ( FCRA ) requires that credit bureaus investigate any disputes and remove any inaccurate or unverifiable information within 30 days of receiving a dispute letter. In addition, the FCRA states that consumers have the right to dispute any information on their credit report that they believe to be inaccurate, incomplete or outdated. 

Therefore, I request that you investigate and correct or remove these items from my credit report as soon as possible. I also request that you provide me with a copy of the updated credit report once the investigation is complete. 

I appreciate your prompt attention to this matter and look forward to hearing from you soon. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16
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:
On XX/XX/XXXX I submitted documentation ( FTC Identity Theft Report, Police Report, and Statement with clear identifiers ) that stated that XXXX XXXX XXXX account opened on XX/XX/XXXX with account number XXXX was opened by someone else that was not me due to Identity Theft. Experian refuses to remove the account despite clear evidence booked by the XXXX XXXX Police Department stating that the account was opened due to Identity Theft. XXXX already removed the account from my report due to Identity theft. Experian did not provide me with proof that the account was opened by me, and therefore it should be removed by Federal Law. 

In addition to XXXX XXXX XXXX, There are several accounts opened via Identity Theft that Experian refuses to remove : XXXX XXXX XXXX XXXX opened on XX/XX/XXXX, XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX. Please remove these accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-15
Company: Merchants and Medical Credit Corporation, Inc.
State: OH
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 have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-30
Company: Experian Information Solutions 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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. 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 {$780.00} XXXX XXXX XXXXXXXX {$1900.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$380.00} XXXX XXXX XXXX XXXX  Original creditor : XXXX XXXX XXXX XXXX {$2500.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Original creditor : XXXX XXXX  XXXX XXXX {$570.00} XX/XX/XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX  XXXX XX/XX/XXXX {$460.00} XXXX XXXX XXXX Original creditor : XXXX XXXX  XXXX XX/XX/XXXX {$360.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXXXXXX XXXX  XX/XX/XXXX 15 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years. 

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows 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 2023-12-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit reporting act XXXX XXXX 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, States a consumer reporting agency can not furnish an account without my written instruction.

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 2023-03-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Arizona XXXX SS # : XXXX Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute several items on my credit report that I believe are inaccurate and unjustified. The following accounts have negatively impacted my credit score and I request that they be investigated and corrected or removed from my credit report : XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX Collection Account XXXX XXXX XXXX XXXX Collection Account Medical XXXX Collection Account XXXX  XXXX Collection Account XXXX XXXX XXXX Charge Off Account XXXX XXXX XX/XX/XXXX Inquiries XXXX XXXX XXXXXX/XX/XXXX Inquiries XXXX XX/XX/XXXX Inquiries XXXXXXXX XX/XX/XXXX Inquiries XXXX XXXXXX/XX/XXXX Inquiries XXXX XXXXXXXX XXXX XX/XX/XXXX Inquiries XXXX XXXXXX/XX/XXXX Inquiries XXXX  XXXX XXXX  XX/XX/XXXX Inquiries Furthermore, I also question the validity of the inquiries made by XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX  and XXXX, as they were not authorized by me and I do not have any business or personal relationship with these entities. 

I would like to bring to your attention that the Fair Credit Reporting Act ( FCRA ) requires that credit bureaus investigate any disputes and remove any inaccurate or unverifiable information within 30 days of receiving a dispute letter. In addition, the FCRA states that consumers have the right to dispute any information on their credit report that they believe to be inaccurate, incomplete or outdated. 

Therefore, I request that you investigate and correct or remove these items from my credit report as soon as possible. I also request that you provide me with a copy of the updated credit report once the investigation is complete. 

I appreciate your prompt attention to this matter and look forward to hearing from you soon. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-14
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:
TODAYS DATE:XX/XX/XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX Equifax XXXX. XXXX XXXX XXXX XXXX, GA XXXX XXXX  Dispute Department XXXX. XXXX XXXX XXXX, Texas XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX, PA XXXX XXXX. 


I recently submitted a request for investigation of an Acct Number : 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 MACYSDSNB XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your e-Oscar system you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in Cushman v TransUnion, Stevenson v. TRW ( Experian ), and Richardson v. Fleet, Equifax et, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the e-Oscar system that doesnt even contain my reasons for the dispute is not reasonable.

If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 



XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-11
Company: EQUIFAX, 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: Account information incorrect

Complaint:
These Accounts : ( 1. ) XXXX XXXX # XXXX. XXXX XXXX XXXX # XXXX. BE ADVISE, THIS IS NOT A REFUSAL TO PAY, BUT A NOTICE SENT PURSUANT TO THE FAIR DEBT COLLECTION PRACTICES ACT, 15 USC 1692g STATING YOUR CLAIM IS DISPUTED AND VALIDATION IS REQUESTED. This is NOT a request for " verification '' or proof of my MAILING ADDRESS, but A request for VALIDATION made pursuant to the above-name TITLE and Section. I respectfully request your offices to PROVIDE me with competent evidence that I have any LEGAL OBLIGATIONS to pay you. At this time, I will also inform you that if your offices have reported invalidated information to any of the XXXX major credit bureaus ( XXXX, EQUIFAX, OR XXXX ) this ACTION may constitute fraud under both Federal and State Laws. Due to this fact, if any negative Mark is found on any or my credit reports by your company or the company you represent, I will not hesitate in bringing LEGAL ACTIONS against you and your client for the following : VIOLATION of the Fair Credit Reporting Act, VIOLATION of the Fair Credit COLLECTION PRACTICES ACT, and DEFAMATION OF CHARACTER ( per se ). If your offices are able ro PROVIDE the Proper documention as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time ALL COLLECTION ACTIVITIES SHALL CEASE AND DESIST. IF YOUR OFFICE FAILS TO RESPOND TO THIS VALIDATION REQUEST WITHIN 30 DAYS FROM THE DATE OF YOUR RECEIPT, ALL REFERENCES TO THESE ACCOUNTS MUST BE DELETED AND COMPLETELY REMOVED FROM MY CREDIT FILE.

Company response to consumer: Closed with explanation