BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-29
Company: FIRST ADVANTAGE CORPORATION
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I attempted to file a dispute via email but the mailbox was full. 

I reached to customer service for an alternative email or process. 

I wasn't provided one. I was provided the same email and an invalid fax number.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22
Company: Experian Information Solutions Inc.
State: PA
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Experian has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX  ( Original Creditor : 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 2018-05-07
Company: EQUIFAX, 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: Account status incorrect

Complaint:
I HAVE SENT EQUIFAX AT LEAST 4 CERTIFIED LETTERS ASKING THEM TO VERIFY 2 ACCOUNTS ON MY CREDIT REPORT, ONE IS FROM XXXX XXXX I HAVE SENT THEM 2 LETTERS CERTIFIED MAIL AND THEY DID NOT RESPOND. HOW IS IT THEN THAT EQUIFAX IS STILL REPORTING AN UNVERIFIED ACCOUNT. THAT IS AGAINST THE LAW I HAVE ALSO SENT XXXX XXXX 2 SEPARATE CERTIFIED LETTERS TO VERIFY THIS ACCOUNT. THEY HAVE NEVER RESPONDED. YET STILL EQUIFAX CONTINUES TO REPORT IT AS VERIFIED. THEY HAVE SENT ME NO PROOF OF THIS DEBT AND THE LAW SAYS IT MUST BE REMOVED. EQUIFAX REFUSES TO REMOVE IT AND INSTEAD KEEPS VERIFYING IT. THAT IS WRONG AND AGAINST THE LAW. I HAVE KEPT METICULOUS RECEIPTS FOR THE PAST 60 DAYS AND THEY HAVE BROKEN THE FAIR CREDIT REPORTING ACT BY CONTINUING TO REPORT THESE TWO ACCOUNTS THAT HAVE NOT BEEN VERIFIED. WHAT IS THERE PROOF OF VERIFICATION. IT NEEDS TO BE REMOVED IMMEDIATELY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 tried to resolve the wrong and incorrect information on my credit report ; I call the companies and credit agency fraud identity theft departments for TransUnion, XXXX, and XXXX credit agencys to dispute and remove hard inquiries do to identify. Filed claim with FTC and submitted dispute to all three credit bureau only one has process my dispute which is XXXX the other two showing investigating complete when no investigation was done and nothing was removed or resolved from TransUnion or XXXX. The following inquiries are showing on my credit report do to identify theft need to be removed from 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-12-22
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:
Please remove these unauthorized and unverified inquiries from my 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-18
Company: Experian Information Solutions Inc.
State: NE
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 requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately 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 2020-11-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
I applied for the Capital One Quicksilver card last month, my application was pending because I needed to send in documents to identify myself. I sent the documents last month but still the application is pending. 

I have also attached my documents to this dispute so Capital One can't say they never received them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
. am writing to request information regarding the investigation conducted by TransUnion pursuant to my dispute regarding the accuracy of an account on my credit report. The specific account in question is as follows : Account Holder : XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX Under the provisions of 15 U.S. Code 1681i - Procedure in case of Disputed Accuracy, I am entitled to receive information about how TransUnion conducted its investigation into this disputed account 's accuracy. I submitted a dispute to TransUnion regarding the accuracy of the information related to the account mentioned above. 

I kindly request the following information : A detailed explanation of the investigation process undertaken by TransUnion, including the steps followed and the parties involved in the investigation. 

Copies of all correspondence, documentation, or records related to the investigation of the disputed account, including any communication with the data furnisher. 

Any documentation provided by XXXX XXXX XXXX XXXX XXXX during the investigation. 

The results of the investigation, including any changes made to my credit report as a result of the dispute. 

The date on which the investigation was completed. 

Please provide this information at your earliest convenience, as I believe it is essential for me to fully understand the investigation process and its outcome, as allowed by law. 

Furthermore, I kindly request that any relevant documentation related to this investigation be provided to the Consumer Financial Protection Bureau ( CFPB ) to ensure compliance with federal regulations. 

I appreciate your prompt attention to this matter and look forward to receiving the requested information within the timeframe specified by law. I have attached proof that this investigation was not done properly! 

Thank you for your assistance in this matter, and I expect this information within 14 days delivered in this portal.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-04
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:
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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-07
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:
I ordered a copy of my report in XXXX XXXX and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, Equifax, XXXX and XXXX have not answered my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete its investigation within XXXX days. Please check the payment history, date open, last activity, and Status of XXXX XXXX XXXX. I believe it was reported in error. Also, correct the address in my fiel. 
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 2021-06-01
Company: FIDELITY CAPITAL HOLDINGS, INC
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My name is XXXX XXXX XXXX and I recently conducted a review of my credit report, and I discovered that your agency shows some unauthorized accounts that I find to be detrimental to my credit. 
1. FIDELITY CREDITOR SERV, Original creditor : XXXX XXXX, {$94.00} 2. XXXX XXXX XXXX, Original creditor : XXXX XXXX XXXX, {$3500.00} 3. XXXX XXXX XXXX XXXX, Original creditor : XXXX XXXX, {$110.00} 4. XXXX XXXX XXXX XXXX, Original creditor : XXXX, {$240.00} XXXX. XXXX XXXX XXXX, Original creditor : XXXX XXXX XXXX, {$66000.00} 6. FIDELITY CREDITOR SERV, Original creditor : XXXX XXXX MD, {$480.00} To repeat, these transactions occurred without my permission. 
I would like to request the suppression of the above items from my credit report, which are the result of me being a victim of identity theft. This information does not relate to transactions that I have made/accounts that I have opened. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act, 15 U.S. Code 1681, 15 U.S. Code 1692g and 15 U.S. Code 1601.

As previously stated, I did not originate these debts.

Reporting is voluntary not mandatory. Not ONE law says anything has to be reported.

In any situation, it is hampering my reputation and I am unable to obtain new credit. In addition, I have been getting denied for employment, having difficulty purchasing a car, and trouble getting approved for a place to live.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Please verify these accounts and inquiries, as they contain incorrect and unauthorized information. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-23
Company: EQUIFAX, 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 NumberXXXX Account Name : XXXX Account Number:XXXX  Account Name : XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX  Account Number:XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX  Account Name : 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.

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 non-monetary relief
Consumer complaint received 2021-12-05
Company: U.S. BANCORP
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
XX/XX/XXXX I learned that my credit card account was closed by the company and that this reduced my credit score by XXXX XXXX while I was in the middle of applying for a mortgage for which my credit score was vital ; this can potentially result in my mortgage application being rejected or my suffering thousands of dollars in extra interest payments due to higher interest rates. 

I called the credit card company and they claimed they closed the account on XX/XX/XXXX because they had returned mail because I had moved. It does not make sense that they did not have my correct address because I had updated my address in XXXX for the brokerage account for which this credit card is linked. It is complete incompetence on their part not having the correct address and they are not taking any responsibility for the damages or doing anything to remedy it.

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 2018-08-26
Company: DISCOVER BANK
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I ordered a security system for my husband for a XXXX present but I changed my mind and sent the unopened package back. I refused delivery. I have the shipment document that they received the shipment back but they are still trying to charge me for it. Discover started to automatic debit my checking account without my permission to get this payment. I have spent hours on the phone with Discover trying to resolve this. I wanted to send the documentation that it was sent back with registered mail but all they have is a P O box for disputes. I tried to file the dispute on my online account but I have not used it in so long it was on a old phone number so I couldn't get the security code. I have sent them documentation from XXXX through the mail 4 times. I still can't get this resolved. The purchase was made through XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
. am writing to request information regarding the investigation conducted by TransUnion pursuant to my dispute regarding the accuracy of an account on my credit report. The specific account in question is as follows : Account Holder : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Under the provisions of 15 U.S. Code 1681i - Procedure in case of Disputed Accuracy, I am entitled to receive information about how TransUnion conducted its investigation into this disputed account 's accuracy. I submitted a dispute to TransUnion regarding the accuracy of the information related to the account mentioned above. 

I kindly request the following information : A detailed explanation of the investigation process undertaken by TransUnion, including the steps followed and the parties involved in the investigation. 

Copies of all correspondence, documentation, or records related to the investigation of the disputed account, including any communication with the data furnisher. 

Any documentation provided by XXXX XXXX XXXX XXXX XXXX during the investigation. 

The results of the investigation, including any changes made to my credit report as a result of the dispute. 

The date on which the investigation was completed. 

Please provide this information at your earliest convenience, as I believe it is essential for me to fully understand the investigation process and its outcome, as allowed by law. 

Furthermore, I kindly request that any relevant documentation related to this investigation be provided to the Consumer Financial Protection Bureau ( CFPB ) to ensure compliance with federal regulations. 

I appreciate your prompt attention to this matter and look forward to receiving the requested information within the timeframe specified by law. I have attached proof that this investigation was not done properly! 

Thank you for your assistance in this matter, and I expect this information within 14 days delivered in this portal.

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 2018-08-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
This is a minor issue as this account is scheduled to fall off my report next year. XXXX XXXX   XXXX company no longer has a vested interest in this account as it has been charged off and sold to a collection agency. Im respectfully asking them to remove this closed account from the three credit reporting agencies.

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