BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
The Credit Bureaus never did a proper " investigation '' according to the FCRA. 

The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

The did not do this. 

Also, they have violated my rights even more In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. 

The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal, They also violated the law because under 15 U.S.C 1681 section 602 A. States I have a right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : Also states that a consumer reporting agency may not provide an account without my written instructions I did not give anybody written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-11
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Under The New Rule REGULATION F Which Took Effect XX/XX/2021 *15 USC 1681a 2 -Exclusions ( a ) ( i ) is a subsection of the Fair Credit Reporting Act that clearly states Any report containing information solely as to transactions and experiences between the consumer and the person making the report. 

*15 USC 6802 is a section of the United States Code that outlines the obligations of financial institutions with respect to the disclosure of personal information. 15 USC 6802 outlines the " Opt Out '' requirements for financial institutions when disclosing nonpublic personal information to nonaffiliated third parties.

Financial institutions are required to clearly and conspicuously disclose to the consumer, in writing or in electronic form, that their personal information may be disclosed to third parties. The consumer must be given the opportunity to direct that their information not be disclosed and must be provided with an explanation of how they can exercise that option.

*15 usc 1681b ( a ) ( 2 ) is a section of the United States Code that outlines the permissible purposes for which a consumer reporting agency may furnish a consumer report. In general, a consumer reporting agency may furnish a consumer report only under the following circumstances and no other : 1 ) The consumer must give written authorization, and I did not and will not give any creditor the right to add negative, inaccurate and injurious information to my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22
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: Public record information inaccurate

Complaint:
I noticed that XXXX has removed my XXXX  XXXX bankruptcy from my report. The bankruptcy was filed on XX/XX/XXXX. Transunions website states it will remain on my file for up to 10 years. This is a federal Bankruptcy so I would think the credit bureaus would be required to be consistent in reporting information. They told me it will remain in my report until XX/XX/XXXX. I have excellent credit since the bankruptcy so one would think they would take this into consideration when saying it will be on the report for up to ten years.

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 2022-06-13
Company: International Computer Systems, Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
It has been drawn out into the open that you 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, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 

FIRST COLLECTION SERVICE XXXX Opened XXXXXXXX XXXX XXXX Balance {$180.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13
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:
This is a fraudulent Account on my consumer credit profile that I want BLOCKED AND REMOVED IMMEDIATELY from my profile, Pursuant to 15 U.S. Code 1681b ( a ) IN GERNERAL, subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relates. I { CLIENT NAME } Never gave { CREDIT BUREAU NAME } any written consent to report anything on my consumer report, No consent is Identity theft this is infringement and I want the following accounts BLOCKED AND REMOVED FROM MY PROFILE, I am demanding a deletion of this account or I will proceed with LITIGATION XXXX  : XXXX Account number XXXX Date opened XX/XX/XXXX XXXX XXXX- Account number XXXX Date opened XX/XX/XXXX XXXX XXXX- Account number XXXX Date opened XX/XX/XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX XXXX XXXX XXXX Account number XXXX Collection opened XX/XX/XXXX EQUIFAX : XXXX XXXX Account number XXXX Date opened XX/XX/XXXX XXXX CREDIT Account numberXXXX Date openedXXXX XXXX, XXXX XXXX XXXX XXXX Account number XXXX Collection opened XX/XX/XXXX XXXX  : XXXX Account number XXXX Date opened XX/XX/XXXX XXXX Account number XXXX Date opened XX/XX/XXXX XXXX XXXX  Account number XXXX Collection opened XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23
Company: EQUIFAX, INC.
State: MA
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 explanation
Consumer complaint received 2021-12-22
Company: Account Control Technology, Inc.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
XXXX XXXX XXXX has called 4 times today alone. I have told him that if he has legitimate business with me send me the paperwork and I will have my attorney take care of it. He calls and threatens to have papers served on me for credit fraud on a debit that I dont owe. He claims to work for or with an attorneys office but refuses to give me the name. He tells me that they, meaning him and a collection agency that has been harassing me for XXXX years named XXXX XXXX, are just going to continue calling me. They call my parents house number as well as my number. I have asked for them to send me documentation for the debit and they just threatened to have me arrested because I didnt want to pay over the phone. I have been harassed and threatened by these people for years and I have repeatedly told them that I dont owe the debit and told them to no longer call me. XXXX XXXX XXXX phone # is : XXXX ( XXXX ) XXXX. The number of XXXX  changed every time or was blocked but my parents continued to tell them that that it wasnt my number. 
My name is XXXX XXXX XXXX My Phone number is XXXX and my address is XXXX XXXX XXXX, XXXX XXXX Tx 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 2023-05-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. 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 XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 2021-12-22
Company: EQUIFAX, 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX : XXXX, XXXX XXXX XXXX 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, 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 2022-06-13
Company: EQUIFAX, 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:
I sent my FTC REPORT and Credit letter off on XX/XX/2022 to Equifax. I told Equifax to remove 4 fraudulent accounts : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX. I also told the credit bureaus to " investigate every piece of information '' on the accounts I have listed above. I also attached the letters I sent out and here is the Tracking numbers : XXXX. 

According to the FRCA, the term " investigate consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.

They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % accurate.

And according to the FRCA 15 USC 1681 everything has to be 100 % accurate. My credit report needs to reflect the deleted the above accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-05
Company: AR Resources, 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: Old information reappears or never goes away

Complaint:
On XX/XX/2021 AR Resources added a derogatory mark on my credit report in reference to XXXX accounts per XXXX and XXXX. I disputed account # XXXX, # XXXX, # XXXX with the Creditor XX/XX/2021, nothing I demanded was provided to me except a copy of a bill. A bill without no signature does not validate the debt and anyone can send a bill and say its mine. Also the account # XXXX in particular, has passed the Statute of limitations according to FL Medical Debt Law this was XXXX of the demands the creditor FAILED TO PROVIDE, In addition to, according to FDCPA, Creditors must report to the CRA that an account is being disputed and A UPDATE Activity Status AR Resources FAILED TO DO THAT. I have the accounts re-investigated and still they did not contact the CRA regarding the disputed account also no change in the account activity, It shows a consumer dispute the account because I have disputed these accounts in the past, NO ACCOUNT ACTIVITY UPDATE from XX/XX/XXXX until today. I would like these accounts REMOVED IMMEDIATELY

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13
Company: Entrata 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: Information belongs to someone else

Complaint:
My identity was stolen and has been involved in an investigation for a couple years where someone is using my name and have applied to rental units, worked under my name and also tried to file taxes under my name. I have filed a complained with the credit bureaus and also FBI. Although this has been filed I am still noticing duplicate inquiries, incorrect addresses and credit being reported under my name. 

Resident Verify XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX US SM BUS ADMIN ODA XX/XX/XXXX XXXX XXXX  XX/XX/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 believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09
Company: Block, Inc.
State: NV
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Hello, XX/XX/XXXX Call was placed and requested to dispute ALL XXXX transactions from XX/XX/XXXX until XX/XX/XXXX XX/XX/XXXX recieve email ( please read below ) and notice this doesn't have all the transactions in the dispute. I then place ANOTHER call and clarify with the rep and am given yet another dispute dispute number. I'm then promised an email with my dispute ( that was never received ). On this day I also respond to this email below with the additional information. I had my bank, cashapp and XXXX all highjacked. XXXX and my bank have already fully refunded me. ( see screen shots from bank in other email thread with the rep. 
XX/XX/XXXX I email ( please read below ) requesting confirmation my dispute is accurate. 
XX/XX/XXXX I call due to still missing the email, i request multiple times for a copy of my dispute or at least for the rep to verify what was all included in my dispute. I was met with resistance and hung up on by reps multiple times. 
XX/XX/XXXX I attempted to call AGAIN. With zero resolve. I'm told i must wait the 10 business days. 
XXXX This was business day 9 with no email and no clarification what was under dispute. I called AGAIN. Yet again zero and I mean ZERO resolve. Again asked to wait until XXXX ( the 10th business day ) XXXX I wake up with still zero resolve and zero refund. Your OWN ToS states if the investigation is not closed by 10th business day ( this was day 11 ) temporary credits would be issued. I call to get status and get told to chat. I chat and they tell me to call. Not a single person helped clarify any issue. 
XXXX I receive an email from a " manager '' assuring my issue had been resolve. A very VERY small portion of my refund had hit my account. 

XX/XX/XXXX Transactions Total {$660.00} XX/XX/XXXX Transactions Total {$3200.00} XX/XX/XXXX Transactions Total {$540.00} Total {$4400.00} I have attempted several times to resolve this. CashApp isn't even adhering to their own ToS agreement. I get hung up on by reps for requesting documentation of my dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting 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:
Equifax, Please see below and attached - there are 3 unauthorized hard credit inquiries on my account due to fraud that need to be removed. 

Per my conversation with XXXX here is what this person said to do- and I did - these are my notes of the call : Spoke to XXXX  at Equifax on XX/XX/2023 at XXXXXXXX XXXX PST He said the reason they arent removing it was for the same reason XXXX gave me on Wednesday. There is an error in the FTC report. Since you can not file a new report they are saying I have to edit the report and resubmit it in the way of a dispute on one of the inquires. 

The error : On the FTC report it says that there was an unauthorized attempt to open a credit card. They say that that part needs to be blank with no company name. It just needs to state the inquires are fraudulent and need to be removed. You can include all 3 inquires in the report. And you to upload the edited FTC report as a dispute on one of the hard inquiries we want removed. 

XXXX  submitted a complaint to the special handling team to over ride the error on the FTC report considering the FTC report still states the inquires are fraudulent and the fact that I have submitted all the necessary documents. He requested the inquires to be removed. Confirmation number for the complaint filed today is : Confirmation : XXXX He said if they arent off in 3 days to call back but he highly recommends trying to do what they ask and edit the FTC report and resubmit it as a dispute on one of the hard inquiries we want removed. 

There are notes in my file about the error in the FTC report so now everyone I talk to is quoting the error.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07
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: Reporting company used your report improperly

Complaint:
Miss you wrong information method of verification Miss use of my information I written in a certified letter to the company, requesting method of verification within 15 days. I have not received anything, and no update on how they verified this account with the miss information on there. 

In accordance with the fair credit reporting act. The lost of account has violated my federally protected consumer rights of privacy and confidentiality under 15 USC 1581. 


Account name XXXXXXXX XXXX XXXX  XXXX Has violated my rights 15 U.S.C 1691 section 602 A. states I have the right to privacy. 

15 U.S.C is 1681 section 602 A section 2 it also states a consumer reporting agency can I furnish account without my written instructions.

15 U.S.C 1681c. ( A ) ( 5 ) section states No consumer report agency may make any consumer report containing any other following items of information. Any other adverse items of information other than records convictions of crime which antedates the report more then 7 years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A a person shall not furnish any information related to consumer to any consumer reporting agency if the person knows or has reasonable to believe that 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