BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, Transunion, XXXX, and 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 2023-09-20
Company: Experian Information Solutions Inc.
State: PA
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 at this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604A section 2 it also states consumer reporting agencies can not furnish an account without my written instruction. Under 15 US 1666B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as a late for any purpose.

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 2023-02-21
Company: U.S. BANCORP
State: NE
Product: Credit card or prepaid card
Sub-product: Gift card
Issue: Unexpected or other fees

Complaint:
The Mastercard branded gift card product that states on the front of the card " A GIFT FOR YOU '' issued by U.S. Bank National Association and managed on XXXX violates the clear and conspicuous requirements of 12 CFR 1005.20. The card on the back in extremely small font indicates the inactivity fee associated with 12 months of inactivity. The fact that they found the need to significantly increase the font size of just the inactivity fee amount in comparison to the rest of the text evidences that the company issuing the card was likely aware that the actual text of the disclosure language was not conspicuous. 

We were gifted {$75.00} dollars on two of these types of gifts ( one for {$25.00} and one for {$50.00} ). The entirety of the balance we were gifted was paid in service fees because we kept them without using them for a period of several years. 

When we called to inquire about transactions on XXXX XXXXXXXX XXXX the representative then pointed to the language on the back of the card and did not offer to resolve our complaint in another manner.

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 monetary relief
Consumer complaint received 2023-01-07
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the XXXX credit bureaus but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX : {$17000.00} XXXX XXXX XXXX XXXX XXXX : {$9100.00} XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-27
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:
I received an alert someone tried to open a credit card under my name. I have a freeze against matters like this because it has happened in the past. However there is a hard inquiry under my name that brought my score down

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-21
Company: EQUIFAX, INC.
State: DC
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 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 : Also states a consumer reporting agency can not furnish 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 response to consumer: Closed with explanation
Consumer complaint received 2022-03-27
Company: William D. Meeker Enterprises, Inc.
State: FL
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:
These inquires listed below were not authorized. These are unauthorized inquires that shouldn't be on my credit report. 

XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX  XXXX  Inquiry Date : XX/XX/XXXX Cic Credit Inquiry Date : XX/XX/XXXX 2020

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-27
Company: Experian Information Solutions 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:
Hello, my name is XXXX XXXX XXXX and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. 

Based on, 15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible!

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 2023-09-13
Company: EQUIFAX, INC.
State: CO
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:
I just received a copy of my credit report and to my surprise, I noticed that my right to privacy has been violated. By no means have I given you any permission to report non-public personal information without written consent. Nor have I provided any financial institution, or third party ( collection agencies ) authority to obtain any information. 
In regards to 15 U.S. Code 6802 Obligations with respect to disclosures of personal information ( c ) Limits on reuse of information Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such receiving the third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving the third party, unless such disclosure would be lawful if made directly to such other person by the financial institution. 
I do not consent to any third party obtaining non-personal information without my knowledge or notice. The Fair Credit Reporting Act ( FCRA ) was enacted to protect the confidential information on consumers ' credit reports from misuse, fraud, and theft. It gives consumers the right to ensure that the information on their credit reports is not only correct but private. 
Also in accordance with 15 U.S. Code 1681a Definitions ; rules of construction, ( 2 ) ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title. 
Due to the breach of my privacy, I am requesting the following items be Deleted Immediately. 



1. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

2. 15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX  XXXX  Account Number : XXXX  Delete this account. 

3. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX  Account Number : XXXX Delete this account. 

4. 15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX  Account Number : XXXX Please remove it from my credit report. 
5. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-17
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:
Each credit bureaus are showing different Status. I am on Social Security XXXX. There is a federal loan and student loan Showing past due and diligent payments. I went through the process to go through XXXX discharge process. I went through XXXX. I had a doctor fill out the documents and state I am XXXX. On XX/XX/17 it was approved. On my credit report it shows Dept of education has no late days and was brought to current. But the Federal loan is still showing as late and in Delinquent status. This is hurting my credit score. They should all be the same on all reports and they are not.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14
Company: EQUIFAX, INC.
State: FL
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:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-04
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/2023 I noticed that there is an unauthorized account and inquires on my credit report that I didnt authorize or give permission to open or inquire.

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 2020-03-18
Company: EQUIFAX, 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:
I received a call from a person attempting to collect a debt. After asking the person a few questions about the debt, I realized that I am a victim of identity theft. That call prompted me to check my credit report where I confirmed that some criminal had used my personal information to fraudulently apply for and obtain credit that I never received any benefit from. The accounts in question included credit cards from 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, and even an auto loan with XXXX XXXX. I couldn't believe that someone was literally driving around in a car that was financed using my personal information. I have called all of the banks involved and this has proven to be the most difficult thing I have ever had to deal with in my entire life. I can't seem to get any of the banks involved to help me. I feel helpless.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
I had money taken out of my bank account by Capital One for credit card debt. I was not notified about any judgement or levy against me and I'm not sure if they even had one. This happened today, XX/XX/2020. They took a little over {$7000.00} and left me with about -- {$2000.00}. I tried reaching out to them about it weeks ago worried that they would try something, but I never got an answer back and with work, I don't often have time to continuously reach out to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14
Company: EQUIFAX, 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 reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-13
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: Reporting company used your report improperly

Complaint:
I asked the credit bureaus to do a verification of everything on my credit report and they said they did and stated that everything was accurate. But when I did my own investigation, I noticed that there were still a lot of improper inaccuracies on my report even after the did their investigation. For example, XXXX XXXX Account # XXXX which is a revolving credit card account type. Has all kinds of inconsistencies where it is showing that it was opened with XXXX on XX/XX/2015 XXXX on XX/XX/2015 and Equifax XX/XX/2015 I also could see that the last reported dates the last active and last payment dates were all inconsistent. 
In accordance with the fair credit reporting act XXXX  Account # XXXX 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. it also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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 response to consumer: Closed with explanation
Consumer complaint received 2023-02-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO
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 have an accounts with a bank that has a late payment showing that was never late. I've been set up on automatic payment and no way could've missed any payment. The company has not removed the one late payment, I like the card and have been a great client for them but It is keeping me from getting a home loan. Pease help me to get this removed as it is not there due to my mistake.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
XXXX XXXX  has wrote off the account as profit & loss but continues to report a balance. The account should not be reporting a past due balance on my credit. I have disputed with all 3 credit bureaus but they all continue to report.

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 2019-07-12
Company: Experian Information Solutions Inc.
State: AZ
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:
The following fraudulent accounts and credit inquiry keep reappearing on my XXXX, Experian and XXXX XXXX credit report : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, {$5900.00}, XXXX XXXX, {$14000.00}, MN XXXX XXXX XXXX, {$8900.00}, XXXX XXXX XXXX XXXX, {$3100.00}, XXXX XXXX XXXX XXXX, {$30000.00}, XXXX XXXX XXXX XXXX, {$370.00}. The fraudulent accounts dont belong to me. My U.S. Senator XXXX XXXX in the United States Senate and from Arizona is possibly going to call senate hearings for executives from XXXX to come before Congress and testify under oath about my case and numerous other constituents thats having constant issues, problems and disputes with XXXX in regards to fraudulent accounts and credit inquiries reappearing on my and other peoples XXXX credit reports, after XXXX has deleted and permanently block the fraudulent accounts and credit inquiries from my and other peoples credit reports numerous times.

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