BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-02
Company: EQUIFAX, 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:
The Fair Credit Reporting Act is intended to secure my right to privacy and my privacy has been breached. Pursuant to 15 USC 1681 ( a ) ( 4 ) -There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Notice Congress said the consumer has a right to privacy. EQUIFAX has infringed on my right to privacy. First of all no one gave them this role, they assumed it pursuant to 15 USC 1681 ( a ) ( 3 ). Second of all pursuant to 15 USC 1681b ( a ) ( 2 ) I never gave them written permission to furnish anything on my consumer report. No consent is IDENTITY THEFT. I demand that the following accounts be removed immediately from my consumer report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am also demanding to be compensated via check {$1000.00} per violation totaling {$15000.00} pursuant to 15 USC 1681n.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
Notified trans union XXXX and XXXX on XX/XX/2022 and have to be notified of my disputes being investigated and violates 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 explanation
Consumer complaint received 2021-06-10
Company: DISCOVER BANK
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:
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft. 

DISCOVERBANK XXXX XXXX XXXX XXXX DISCOVERBANK XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-25
Company: Experian Information Solutions Inc.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have been disputing an XXXX account reporting on my credit since XX/XX/2020 and it has not been properly validated. 

Another issue is that they are reporting a charge off status past the charge off date which is a clear FDCPA/ FCRA law violation.

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 2022-11-11
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Im submitting a complaint to you today to inform you that I was the victim of identity theft. I researched how to remove the fraudulent accounts from my report and found that I needed to visit the Federal Trade Commission, or https : //www.ftc.gov, to file a report. Credit reporting agencies are required by FCRA Section 605b to remove or block any accounts listed on an ID theft report. Please see the attachments for assistance in blocking the incorrect information that is being posted to my report. 

These are the following lists of accounts that do not belong to me or were opened without my permission : XXXX XXXX XXXXXXXX Account # : XXXX Balance : {$1900.00} XX/XX/XXXX XXXX Account XXXX : XXXX Balance : {$0.00} XX/XX/XXXX According to FCRA Section 605B ( a ), the credit reporting agencies shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-17
Company: Experian Information Solutions 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 XXXX XXXX account # XXXX, XXXX XXXX account # XXXX ; XXXX XXXX account # XXXX ; XXXX XXXX account # XXXX ; XXXX XXXX XXXX account # XXXX ; XXXX XXXX XXXX account # XXXX ; XXXX XXXX XXXX account # XXXX ; XXXX XXXX XXXX account # XXXX ; XXXX XXXX account # XXXX ; XXXX XXXX XXXX account # XXXX ; XXXX XXXX account # XXXX ; XXXX XXXX account # XXXX ; XXXX XXXX account # XXXX ; XXXX XXXX account # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A.States I have rights 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 2021-04-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I had hardship in the past with my capital one credit card. I had sent a hardship letter to ask for help removes late payments. If they can removed OR clear the late payments from XXXX and XXXX of XXXX and XXXX XXXX of XXXX. I can get my life back on track with my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I recently requested a copy of my credit report & seen unauthorized hard inquiries. This is a violation of the FCRA under section 604 permissible purpose. 

XXXX - XXXX XXXX, XX/XX/XXXX - XXXX XXXX, XX/XX/XXXX Equifax - XXXX, XX/XX/XXXX - XXXX, XX/XX/XXXX - XXXX XXXX, XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-08
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: Problem with personal statement of dispute

Complaint:
I have submitted 2 disputes to this company on or around XX/XX/20, and XX/XX/20. XX/XX/20 results came back that the company verified the information was correct with XXXX and or US Bankruptcy Court of Florida. XXXX I resubmitted a dispute letter with proof that the verification didn't actually take place as you would see in the attach documents. There is a security freeze on XXXX which has verified no information has been giving out, and US Bankruptcy Court of Florida has disclosed they do not report or verify to any credit reporting agency.

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 2018-06-12
Company: EQUIFAX, INC.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
fter receiving and reviewing my credit report in XX/XX/XXXX of last year I noticed a derogatory mark listed by XXXX XXXX XXXX XXXX XXXX. I've contacted and sent multiple validation request as well as filed complains using CFPB before. Each time XXXX ( XXXX XXXX XXXX XXXX XXXX ) Has responded with the same verification and the complaint has been closed although what they have CONSTANTLY sent is not what I've requested the amount on the statements are not what's reporting to the Credit Bureau nor is it VALIDATING the debt is mine. I have sent certified letters requesting that the debt be validated NOT verified, specifically I want a signed agreement between XXXX and myself AS WELL as a detailed list of services and expenses meaning WHAT SERVICE did I get on the alleged day and WHAT WAS CHARGED for the alleged debt as well as WHAT WAS PAID. They have provided a billing statement which DOES NOT prove that I'm obligated to pay them anything. They have reported delinquent information to the Credit Bureau that I am asking to be removed. I am unaware of how they obtained my personal identifying information without my knowledge or consent, and they have failed in providing the acceptable information proving they have the right to report such negative information. Therefore I am disputing the validity of this alleged debt. I've attached the letter that I sent along with the companies response to that letter, this IS NOT VALIDATING the debt is mine. I'm requesting the immediate removal!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
The address that shows up on my credit report which i gave disputed many times I have fixed many times still shows up on my credit report I live there like 7 years ago. I even called the credit cards that had that address so that it would no longer be on file it still keeps popping up. My old neighbor contacted me and said mail was coming to the house. I fixed it again. This account has been closed for a long time. And its closed now. I even did something were I foward all my mail. This is very stressful. I do not own any businesses at all I only have one address

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 2023-07-12
Company: Bread Financial Holdings, Inc.
State: UT
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:
In XXXX of 2019, I went to XXXX a store rep asked if I wanted to open a credit card, I stated that I would. I gave her all of my information, and a few moments later she informed me that I was denied the credit card. After that, I did not hear back from XXXX, no denial letter. However, I checked my credit report and it stated that an XXXX credit card account was closed. How can an account be closed when I was never given a card, and told I was denied?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Hi, XXXX hard Inquiries showed up on my credit report so far from someone who has taken my social security number. XXXX was applied for capital One and another for XXXX. So far I only see them as a new inquiry but fear this person is doing more applications under my name to affect my credit. 

Attached are The XXXX hard Inquiries. I have been in touch with capital one so far and am attempting to contact XXXX to get this off my credit report. I had to put a freeze on my credit report to hopefully get them to stop.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-18
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:
this fraudulent was opened using my personal information according to the 15 US code 1681c 2 a consumer reporting agency shall block the reporting of any info that a consumer identifies as the results of identity theft within 4 business days you are in violation- remove immediately.

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 2023-07-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
XXXX XXXX XXXX XX/XX/2023 added multiple inquiries on my credit without my consent. 

XXXX XXXX XXXX XXXX - XX/XX/2023 - added a hard inquiry on my credit that was not consented. 

XXXX XXXX - XX/XX/2023 - added a hard inquiry on my credit that was not consented. 

XXXX - XX/XX/2023 - added a hard inquiry on my credit also without my consent.

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 2022-04-08
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:
Ive been a victim of identity theft

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 2023-03-10
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'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 response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of accounts in my credit report. As of todays date, Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

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 2022-01-27
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
When a collection went on my account. That day my score dropped XXXX points in XXXX. Now it has been removed and has not been changed. XXXX XXXX promised 6 times to remove two late credits and even provided this in a letter. These are my only late payments recorded on the report. Please remove them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
Experian refuses to restore my XXXX to XXXX XXXX and wiped out now 17 months of never late on time payments but still puming these credit cards in fact telling I have a high fico score, my fico score according to there website is XXXX how is that a high fico score, experian is closing complaints without fixing anything, THIS IS A CLEAR VIOLATION OF 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 non-monetary relief
Consumer complaint received 2020-03-23
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:
Requested description of investigation results of incorrect/unverified reporting accounts on my credit report as per federal law FCRA 611 ( a ) ( 6 ) ( B ) ( iii ).

Also requested original documentation with my signature of incorrect/unverified reporting accounts as per federal law FCRA 609 ( a ) ( 1 ) ( A ). 
Request was made XX/XX/XXXX, as of XX/XX/XXXX still have not been provided a copy of requested documentation. This is against my federal 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 2022-01-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
ON XX/XX/2022, I SENT IN MY FTC DOCS AND DISPUTED THIS ITEM BUT THEY SAID ITS MINE BUT I REQUESTED THE PROOF AND VALID INFORMATION THAT SHOWS THAT THIS IS MINE BUT NO ANSWER.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
these companies are breaking the law by not validating the debts

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 2020-03-24
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Hello CFPB rep please find below, On or about XX/XX/2020 XXXX CST Portfolio Recovery contacted me about a debt owed previously by another company of XXXX credit card keeping in mind we are under a national emergency and a state emergency across the USA with COVID19 virus trying to collect a now third party debt as Portfolio Recovery address XXXX XXXX XXXX XXXX VA XXXX Are u kidding me this should be a lawsuit against said company in their blatant attempt to collect a  uncollectible debt under the FCRA being sold by original creditor and this has been also reported to the XXXX and MAG Missouri Attorney General for review but CFPB consumer financial protection bureau must also investigate and enter findings under current national status and pandemic protect ur citizens of the USA immediately ty for your attention and understanding in this matter this did occur on the above said date and time while people are unemployed and FEMA SEMA working with citizens to recover

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-12
Company: Capio Partners, LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was referred outside of XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, contact number XXXX. XXXX XXXX was to invoice XXXX  with preauthorized code for outsourced fee base reimbursement. ( XXXX  patient, myself, not responsible XXXX XXXX XXXX accepted assignment for care and refused to file to XXXX. Received invoice for {$2000.00} which I disputed. No response from XXXX XXXX. They have no placed this amount with XXXX XXXX collection agency, AssetCare, assigned ACCT # XXXX and their phone number is XXXX. I have called to dispute and asked to call XXXX XXXX directly to dispute. This is not a debt I am responsible for and XXXX XXXX and their collection agency refuse to assist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-12
Company: ALLY FINANCIAL INC.
State: MS
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My name is XXXX XXXX and I am a consumer/ natural man submitting this complaint on the behalf of myself without any influence of any third party being involved. Fraud has been committed on my consumer report, and I did not consent, nor authorized these transactions on my report. I demand that the following accounts listed on attached document be removed immediately.

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