BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-18
Company: EQUIFAX, INC.
State: SC
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:
( DISPUTE CODE - 103 ) My personal information was stolen in 2020, since that day Ive been seeing a lot of unauthorized inquiries and accounts. Ive attached a police report pertaining to the incident. In accordance with the Fair Credit Reporting Act multiple unauthorized Inquiries and accounts have been found on my credit report please immediately delete and remove all inaccurate inquiries and addresses I have listed, the following includes : XXXX  XXXX : XXXXEquifax XXXX  : XXXXEquifax XXXX XXXX XXXX XXXXEquifax XXXX XXXX : XXXX XXXX  : XXXXEquifax XXXX : XXXX XXXX  : XXXXEquifax XXXX  XXXX NA : XXXX XXXX  XXXX : XXXX XXXX XXXX XXXX  : XXXX XXXX XXXX : XXXXEquifax XXXX XXXX XXXX : XXXX XXXX XXXX  : XXXX XXXX OF XXXX : XXXX XXXX OF XXXX : XXXX XXXX  : XXXXEquifax XXXX XXXX  : XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX  : XXXX XXXX : XXXX XXXX  : XXXXEquifax 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 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 handwritten instructions.

15 U.S.C 1681i Section a : states that if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file if no documentary evidence is found in accordance with FCRA, before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-05
Company: Experian Information Solutions 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 status incorrect

Complaint:
( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX OR XXXX XXXX XXXX XXXX Account Number:XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX  WA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN 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 2023-05-12
Company: U.S. BANCORP
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I bank with US Bank and have a credit card through them, as well. I woke up to fraud charges on my credit card on the XXXX of XX/XX/2023. Called US Bank as soon as I woke up around XXXX XXXX XXXX Tried to dispute the charges that were placed throughout the night as I was sleeping. They took off every charge except for one. The charge is for {$58.00} for XXXX. I do not even golf..They have the audacity to tell me I authorized this charge. The charge was made in XXXXXXXX XXXX and was manually entered, but I live in XXXXXXXX XXXX and have never even been to XXXX Plus, I was sleeping. I have camera footage from my house and work clock-in 's to prove I was in Colorado during this fraudulent charge.

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 2016-05-11
Company: EQUIFAX, INC.
State: DC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
My credit was pulled without knowledge on XXXX XXXX and XXXX. XXXX made XXXX unauthorized inquiries on my credit report. Equifax gave me the following address : XXXX XXXX XXXX XXXX XXXX XXXX, Utah XXXX. I tried contacting the company and was unsuccessful. I called XXXX XXXX business licensing. They do n't have a record of this company. I am in the process of closing on a home and got denied because of the above inquiries. I am trying to get the inquiries removed ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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: Investigation took more than 30 days

Complaint:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

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 2023-02-05
Company: Experian Information Solutions 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:
On XX/XX/2022, I sent a letter certified tracking XXXX XXXX XXXX XXXX XXXX XXXX to get inaccurate information on my credit report investigated. 
The credit bureau stated that the below accounts were properly investigated but how is that possible if there is still inaccurate information on my credit report. This is grounds for REMOVAL. They also violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish an account without my written instructions. 
I haven't given these accounts written permission to furnish these accounts on my credit report as well.

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 2022-10-18
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
As Of XX/XX/XXXX, " I Have Not Received My Annual Free Credit Report From EXPERIAN. '' Credit Report From XXXX Received XX/XX/XXXX. Credit Report From XXXX Received XX/XX/XXXX. 

All Attempts To Request My Free Annual Credit Reports By Phone Continuously Fail. 

Why Does The Phone System Fail To Recognize My Street Name " XXXX XXXX? '' Why Does The Phone System Respond Incorrectly With " 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 explanation
Consumer complaint received 2023-11-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
When I checked my credit report, I found that some of the information was inaccurate. The 3credit bureaus are obligated to confirm these itemsunder Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to disregard these reporting itemsas unconfirmed information without providing evidence within the legally required amount of time. The following incorrect data in my credit report needs to be investigated into and corrected : 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 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 2023-07-27
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
Despite my multiple attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue has yet to be resolved. The inclusion of these items has had a profound impact on my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27
Company: Experian Information Solutions Inc.
State: NJ
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have tried to resolve a disputed collection agent account on my EXPERIAN credit report. 
I call EXPERIAN multiples timesso they can explain me the dispute result and to provide me with proper valid documentations as signed contracts or agreements with this collection company. ( result of my dispute show that it's resolve and that the collection agency will stay on my report ). Experian told me they can NOT provide me WITH any documentations, but that this collection agency has well confirm that this account is verifiable and truthful. I told the agent under the name XXXX that I call and send mail to this collection company and they told me they could not verify my Person and they don't have any document to proof that I have a business with them.. 

When XXXX of EXPERIAN hear this he just hang me up and he ( experian ) didn't call me back... 

ITS CLEARLY THAT EXPERIAN IN THIS CASE JUST ARE IN VIOLATION OF THE REGULATION OF LAWS OF THE FAIR CREDIT REPORTED ACT.

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 2023-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : 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 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 2023-05-22
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: GA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Request for validation of debt ; pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec.809 ( 8 ) ( FDCPA ).

Provide breakdown of fees including how you calculated what you claim I owe. - company provided Then Provide a copy of my signature on a contract or document that holds me responsible for this alleged debt. - not provided Cease any credit bureau reporting until debt has been validated by me as required under the FCRA.- not honored Send me proof that you are licensed to collect debt in my state. - not provided Send this information to my address listed above and accept this letter-sent as my formal debt validation request, which I am allowed under the FDCPA. - not provided.

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 2023-05-12
Company: Bread Financial Holdings, 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:
I'm looking at my credit report and I see an account being reported by Victoria Secret/Commenity Bank . This company is reporting this account as a collection or charge off and I have never been sent a 1099-C regarding this alleged balance. The FCRA requires that companies obtain written consent before reporting negative information about me to a credit reporting agency. This did not happen. I have never given this company permission to report this information on MY consumer reports. I demand to see proof that I have. I also demand to see the original agreement specifically pertaining to my consumer rights. In addition I demand to know if there was insurance on this alleged account and if the company wrote this off as a tax write off. The notes on my report say it was sold, I never gave them permission to sell any of my personal information I demand to know what company this was " sold '' too and for how much. This account has caused me to repeatedly get denied credit and has caused emotional stress and trauma.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
Every XXXX, I order a free copy of my credit reports from the three credit bureaus, via a XXXX.XXXX. I provide all the necessary information ( SS #, DOB, address for past 2 years and full name ), as I have done for over a decade. TRANSUNION, LLC is refusing to send me the free annual copy of my credit report which I am entitled. Transunion is notorious for reporting wrong information on credit reports. I deserve to see my credit report to dispute ANY and ALL incorrect 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 2023-10-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 XXXX XXXX XXXX XXXX XXXX, Michigan XXXX You are in Direct Violation of the Fair Credit Reporting Act ( XXXX XXXX XXXX, XXXX ), has violated several of my rights. 

15 U.S.C 1681 section 602 A. Clearly states that 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 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purposes.

Remove these late payments and update this account immediately as you are in direct violation of several laws under the Fair Credit Reporting Act.

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 2023-01-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
Please remove these inaccurate accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.

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 2021-07-16
Company: AMERICAN EXPRESS COMPANY
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 status incorrect

Complaint:
AMEX is reporting a debt on my credit file that I do not owe. I recently took a look at my credit file and noticed this debt reporting. I have checked with my attorney general and know that this debt is past the statute of limitation in Texas. I have no obligation to pay this debt and AMEX can not come after me regarding this debt. Please remove this immediatley, if not I will have no alternative than to exercise whatever rights and remedies we have under the law to enforce the removal of this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14
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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-24
Company: CBC Companies, Inc.
State: MI
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:
Innovis is reporting an inaccurate account on my consumer report. The account is name " XXXX XXXX  Account # ending in XXXX '' They have failed to provide me with proof on an investigation to verify this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Two ( 2 ) applications for credit fraudulently using my name were submitted to TransUnion by : 1 ) XXXX XXXX and 2 ) XXXX XXXX during XX/XX/2019. The person committing the fraud used a 10 year old previous address. I was called by XXXX XXXX as they were suspicious of the old address. I confirmed I did not apply for credit with XXXX XXXX and XXXX XXXX. They told me they would : 1 ) cancel both credit applications, and 2 ) advise TransUnion to remove the inquiries from my Credit Report. I wrote to both TransUnion and XXXX XXXXXXXX formally requesting removal of the hard inquiries twice. They have NOT removed the fraudulent hard credit inquiries.

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 2023-07-28
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I have a Credit Card with my bank and they regularly report my credit to Equifax and Equifax says they do not have a file for me. Verified with all personal identifiers and Equifax does not have a file for me in my SSN. My bank says they have been sending the credit files on my credit card after every billing cycle to all 3 reporting agencies. I am able to get my credit report with XXXX and XXXX, the issue is just with Equifax. My bank says the issue is with Equifax and Equifax says they have not received the file from the bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b.

See the documents attached.

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