BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-13
Company: Experian Information Solutions Inc.
State: MI
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 have several inquiries on all 3 credit reporting agencies that are not mine and I did not authorize. 
The companies can not give me any information and XXXX, XXXX and Experian refuse to take them off!!! 
I have an XXXX average credit score, I take my credit health seriously. I can not believe these companies are allowed to do this!!!!!

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 2023-01-12
Company: EQUIFAX, INC.
State: NY
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 XXXX XXXX XXXX continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no XXXX party involved.Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-10
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: Their investigation did not fix an error on your report

Complaint:
I asked for verification of accounts on my credit report, and that the method of verification be sent to me I was generated a response saying verified but no information on how the account was verified. I received absolutely no contact billing statement etc regarding this account and ownership. This is a violation of my rights by fcra law

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 2023-06-13
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account name : XXXX Account XXXX Account name : XXXX  Account XXXX Account name : XXXX XXXX  Account XXXX Account name : XXXX XXXX  Account XXXX Account name : XXXX Account XXXX Account name : XXXX  Account XXXX has violated my rights. Or list of inquiries 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.

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 2023-06-12
Company: Experian Information Solutions 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:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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

Complaint:
There is incorrect information on my credit report that is negatively affecting my credit, request all inaccurate information be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
Company: Experian Information Solutions Inc.
State: LA
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 CONTACTED EXPERIAN SEVERAL LETTERS REQUESTING AN INVESTIGATION INTO THIS MATTER, OF LATE PAYMENTS THAT ARE REPORTING ON MY CREDIT REPORT FROM XXXX, EXPERIAN DID NOT INVESTIGATE OR UPDATE THE ACCOUNT, I HAVENT RECEIVED ANY INVESTIGATION LETTER, EMAIL NOR WAS IT MARKED " IN DISPUTE '' ON MY REPORT, THE LATE PAYMENTS ARE STOPPING ME FROM GETTING APPROVED FOR CREDIT.

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 2023-04-16
Company: TRANSUNION INTERMEDIATE 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:
Consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX XXXX  # XXXX XXXX, Account name : XXXX XXXX XXXX XXXX # XXXX XXXX, Account name : XXXX XXXX XXXX # In XXXX XXXX, Account name : XXXX XXXX XXXX # XXXX XXXX, XXXX XXXX XXXX  # XXXX XXXX, XXXX XXXX  XXXX acct # XXXX XXXX reporting incorrect information 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. accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected rights. 

Please remove all collections on my report : XXXX XXXX XXXX acct # XXXX, XXXX XXXX : acct # XXXX XXXX, XXXX XXXX XXXX Acct # XXXX XXXX, XXXX XXXX XXXX acct # XXXX XXXX, XXXX  XXXX XXXX : Acct # XXXX XXXX, XXXX  XXXX XXXX Acct # XXXX XXXX, XXXX  XXXX XXXX XXXX Acct # XXXX XXXX, Is all fraudlent accts.

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 2023-03-30
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: Their investigation did not fix an error on your report

Complaint:
I submitted a letter to the 3 Credit Bureaus to fix these erroneous items. I think you have not validatedthese items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legalaction against them. These were already included in my prior complaint and I'm including them again. 

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 explanation
Consumer complaint received 2023-08-04
Company: Coinbase, Inc.
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Confusing or missing disclosures

Complaint:
Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Coinbase, a financial service provider, due to their unfair and arbitrary restrictions imposed on my account. I find myself in a distressing situation as I have been permanently banned from sending assets off of their platform without any reasonable explanation or evidence to justify their actions. I firmly believe that I am a victim of Coinbase 's opaqueness and lack of transparency in handling customer accounts. 

I want to emphasize that I have not engaged in any suspicious or fraudulent activity whatsoever. Despite this, Coinbase has unjustly restricted my account, hindering my ability to utilize the assets I rightfully own. I vehemently challenge Coinbase to provide any concrete evidence supporting their baseless claims. As a user who has consistently used Coinbase responsibly, safely, and securely, their vague justification to " protect from scam or fraud '' is nothing short of an unacceptable and inadequate response. 

The lack of clarity from Coinbase regarding the specific reasons behind this permanent ban only deepens my sense of injustice and frustration. My numerous attempts to seek an explanation and resolution from their customer support have been met with automated responses, vague replies, and no substantive actions taken to address my concerns. 

I consider Coinbase 's actions to be an abuse of power and a violation of my rights as a customer. This sudden and unwarranted restriction on my account has caused me significant financial and emotional distress. Moreover, Coinbase 's unwillingness to provide transparent and accountable support further exacerbates the sense of helplessness and vulnerability that I am experiencing. 

Therefore, I urgently request the Consumer Financial Protection Bureau to intervene in this matter and investigate the unjust ban on my Coinbase account. I implore you to hold Coinbase accountable for their arbitrary actions and compel them to provide a valid and concrete reason for the restrictions they have imposed on my account. Additionally, I seek your assistance in ensuring that the unfair ban on my account is immediately lifted, and my access to my assets is restored without further delay. 

I trust that the CFPB will conduct a thorough investigation into this matter and help bring an equitable resolution to this unfortunate situation. I look forward to your prompt attention and action in rectifying this matter and ensuring that other customers are protected from similar arbitrary actions in the future. 

Thank you for your understanding and support. 

Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30
Company: Experian Information Solutions 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:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2022-10-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
I login to my XXXX account online and its have somebody else social security number and I call XXXX to fixed the problem but didnt help

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 2024-01-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you REMOVE the following inquiries immediately : 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 2023-01-26
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
This complaint involves elderly father & deceased mother 's savings account which I believe was emptied by persons once close to my father. They may also impersonated me and my husband. The persons had full access to his home, keys to everything including his garage. In early 2021, as XXXX hit, he was abandoned by everyone including a " girlfriend '', neighbors, and coworkers who were now retired from XXXX XXXX XXXX, as my dad did in the XXXX. 
When I found out what happened, it seemed suspicious. No one called me until they found dad abandoned, with rotten food, unclean house/person, and everything gone from his home, including important family paperwork, mother 's purse contents, and her death certificates, and anything that was his & his family 's. 
My father was told by Wells Fargo Bank by the branch XXXX that his daughter ( me ) and husband had come to the bank with a " note '' and some other paperwork indicating they were the only XXXX Of XXXX and emptied his savings account. 
I reported all the issues to local & state Police, the Bank, Social Services, and many other agencies. No one could help me with any investigation of these persons nor what had happened to him. I suspected Elder Fraud and went through every means to try and report this horror of my XXXX father being a victim, and especially the theft of HIS money. He would need Elder care at some point in the future. This was apparent to me and my sons, and the family friend/nurse. It seems no one would take action to find the perpetrators of these crimes. Even as I was blamed for the missing money, the Bank XXXX dept. said there was nothing they could do, without the account number, not knowing who was on this account, etc. 
His Elder Attorney never offered help despite my father 's many pleas. Later found this Attorney had given 4 of these persons a POA and XXXX XXXX XXXX to look out for him. A close family friend/nurse and I looked at every angle, she tried to protect him from other neighbors when all the others suddenly abandoned " helping him. '' As his XXXX progressed, people were still taking advantage of him and he didn't know what was happening as so many people told how he could trust them! One couple that targeted him put their house up for sale and moved from the area. The others avoided me, and any questions I had about his problems! Even his Elder Law Atty. never helped in this situation, except to remove these people from my dad 's Advance Directive, POA, etc. I even asked him about collusion w/ these persons, and he never answered any of my questions, except to say that, " he was working on it. '' I never believed he had dad 's best interests in mind.

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 2021-08-27
Company: DISCOVER BANK
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Problem with personal statement of dispute

Complaint:
On XX/XX/XXXX. XXXX the Defendant, XXXX XXXX XXXX had a XXXX  meeting with Discover Card Services the Plaintiff in XXXX. District Court before Judge XXXX regarding the illegal filing of a Judgement Lien. State of Michigan XXXX case XXXX was incorrectly heard as a Garnishment Case instead of a Judgement. Plaintiff 's attorneys did file a Judgement Lien with the register of deeds in XXXX XXXX County on XX/XX/XXXX. 
The owners of the property the lien was filed on is owned by XXXX XXXX XXXX and XXXX XXXX XXXX, husband and wife by the entireties and in Michigan that prevents a creditor from attaching property owned jointly when their claim is against only one of the parties. Now, Plaintiff should know this as they did it in XXXX and were later chastised for failure to release the lien, which was and illegal use of the law. ACT 236 of 1961 Section 600.2813 allows penalties of {$300.00} for failure to discharge the illegal lien. The law also allows fines of {$5000.00} and 3 years imprisonment as this is a felony under Michigan Law.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22
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: Personal information incorrect

Complaint:
In XXXX, I sent letters to the three credit bureaus concerning incorrect addresses reporting to my credit report. The address since, has not been removed. Having such addresses report on my consumer report, and I do not live or have any affiliation with the listed addresses.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
Company: Experian Information Solutions Inc.
State: GA
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 am very displeased and disappointed that my information has been in a few breaches which have allowed fraudulent accounts to populate on my consumer report. I was trying to buy a home and I discovered all these accounts. This is jeopardizing and violating my privacy and my consumer rights. Per 15 USC 1681 law, you all are in violation of this statute. I take my livelihood seriously and I am trying to better myself and my family 's life. This is not fair and I am demanding that credit reporting agencies to remove all fraudulent accounts 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 2023-07-13
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:
This is my FURTHER Complaint that I was the victim of identity theft. Per Fair CreditReporting Act Section 605B ( a ) you are required to remove/block any items which wereopened without my knowledge, consent, or authority within XXXX business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumerthat the information is not relating to any transaction by the consumer. XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XX/XX/XXXX ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX Balance XXXX {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$920.00} ; XXXX XXXX XXXXXXXX Balance : {$4000.00}.

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 non-monetary relief
Consumer complaint received 2023-06-14
Company: Experian Information Solutions 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: Problem with personal statement of dispute

Complaint:
I am writing to report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. Thank you for your attention to this matter.

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 2019-02-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 have disputed the late payment status reported on the account XXXX XXXX XXXX  XXXX but got no response from the credit bureaus..This error has affected my credit score tremendously..CFPB please step up and fix the account asap,

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 2023-06-13
Company: Experian Information Solutions 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:
I submitted a credit repair request to a company, but they failed to respond within the XXXX 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 explanation