BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-18
Company: EQUIFAX, INC.
State: MO
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:
How many dispute letters and CFPB Complaints do I have to submit to the Credit Bureaus in order for them to remove the disputed fraudulent accounts and information completely from my Credit File? I previously sent dispute letters addressed to the Credit Reporting Agencies requesting that the Credit Bureaus remove the disputed fraudulent information that are reporting inaccurate information on my Credit file. I have read that the Credit reporting Agencies are required to report accurate information and investigate and remove any accounts reporting erroneously. I am submitting this CFPB complaint to follow up the previous CFPB complaint I submitted 15 days ago complaining and requesting the same disputes. Also, according to the FCRA, 15USC 1681i, the Credit reporting Agencies are required to finish their investigation within 30 days and send me copies of the results of investigation. However, 5 months had passed and the Credit Bureaus have failed to send me copies of documents they are required to send me and claimed that the accounts are verified. This action by the Credit Bureaus is a clear violation of a consumer 's rights. I am requesting to the Credit Bureaus to please remove the following accounts from my Credit report in accordance with the Fair Credit Reporting act section 605b : 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 response to consumer: Closed with explanation
Consumer complaint received 2019-12-20
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:
I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-15
Company: FirstPoint Collection Resources
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
FIRSTPOINT COLLECTION AGENCY VIOLATED HIPPA LAWS AND THE FCRA, CFPB AND FTC GUIDELINES, GOT MY MEDICAL INFO WITHOUT MY CONSENT AND NEVER RESPONDED BACK TO MY DISPUTE LETTER I SENT TO THEM ABOUT A DEBT THAT I DON'T OWE. THIS DEBT IS FRAUDULANT. I DON'T KNOW WHO THIS AGENCY IS, NEVER HEARD OF THEM AND NEVER AUTHORIZED THIS AGENCY TO PULL MY MEDICAL INFORMATION.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14
Company: U.S. BANCORP
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On the US Bank, it shows that we have around XXXX in available credit. but when we try to use it it keeps on being denied. When I called i was advised that the payment is still processing. Yet when I a payment is made it states that payments from US Bank checking accounts are processed immediately. Today XX/XX/XXXX my employee tried using the card at a hardware store in XXXX XXXX. It got declined. The purchase was for {$50.00}. 

On XXXX XX/XX/XXXX when I spoke to reps they both advised that the payments have not gone through, yet the XXXX on the app still showed we have XXXX available. Because of this deceveness we ended up using the our debit card and had a purchase of XXXX. Our vendor advised us that the debit payment had not gone through. But now our funds are tied up in a pugatory in which we dont have access to it and our vendor did nit get paid. To add insult to injury, not we are being charged overdraft fees.

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 2023-09-01
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: Account information incorrect

Complaint:
On XXXX  I sent a letter to challenge some items on my credit report due to noticing that some things were incorrect. Per the FCRA I asked for the items to be deleted from my report because they were inaccurate. I allowed time for a response from the bureau and to my surprise, I did not receive a response. When I pulled my report again, I noticed that there were no changes made. I sent letters again monthly requesting an explanation and a complete investigation to be completed on these accounts and I was completely ignored. There were no notations added to my profile and the accounts state " not disputed ''. I demand that each dispute is re-opened, reinvestigated and deleted due to inaccuracies. I want complete copies of every action taken to resolve 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 non-monetary relief
Consumer complaint received 2023-02-10
Company: Experian Information Solutions Inc.
State: MD
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 recently pulled a copy of my credit report and noticed a lot of inaccuracies and inconsistencies. I sent in certified letters to the credit reporting agencies to get the reported information verified and they said all the information on the report was accurate. 

After the verification process I checked my credit report again and noticed the same inaccuracies as before after a new thorough research Below are the accounts I asked to be validated Name of Account Account Number Verification XXXX XXXX Validate Acc XXXX XXXX XXXXXXXX Validate Acc XXXX XXXXXXXX Validate Acc XXXX XXXXXXXX XXXX Validate Acc XXXX XXXX XXXXXXXX Validate Acc XXXX XXXX XXXX Validate Acc XXXX XXXX XXXXXXXX Validate Ac XXXX XXXX XXXXXXXX Validate Acc XXXXXXXX XXXX XXXX XXXXXXXX Validate Acc XXXX XXXX Validate Ac In accordance with the Fair Credit Reporting act the above accounts has violated my rights.

15 U.S.C 1681 sectjon 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. Sec. 1681i ( a ) : States that if a consumer reporting agency can not provide proof, these accounts must be deleted.

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 2022-10-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX - {$730.00} Date Opened - XX/XX/2020 In accordance with the Fair Credit Reporting Act my rights have been violated as a consumer Pursuant to USC 15 1681a ( 1 ) Congress makes it clear that the banking system is dependent on accurate and fair consumer file reporting. My file is in fact not accurate nor fair. Without consulting with me first, your company received false information from alleged creditors and debt collectors and furnished my consumer report before confirming if such information is valid. This is indeed unfair credit reporting. 
It is the purpose of the subchapter USC! 5 1681 ( a ) ( b ) that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit in which a manor that is fair and equitable to the consumer. This information is not relevant, fair, or accurate and was improperly used. There were no reasonable procedures meet I wasnt even contacted about this 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 non-monetary relief
Consumer complaint received 2023-01-12
Company: BARCLAYS BANK DELAWARE
State: VA
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:
XX/XX/XXXXXXXX XXXX XXXX {$10000.00} XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX  {$600.00} XX/XX/XXXXXXXX XXXX XXXX XXXX {$99.00} I reached out to RCI Elite Rewards XXXXXXXX after finding the above fraudulent charges in a minor audit. After filing claims for the above charges they sent out a letter stating that this was not fraud and they are denying the claims. I was told to reach out to company directly to try to process a refund, I've reached out to the companies, with no success of contacting them. Their response was that I need to provide documented proof that I did not authorize these payments, and I explained I have no more information regarding the merchants, as I did not approve these.

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 2020-01-25
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX CURRENT ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the identity theft affidavit. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; U S DEPT OF EDXXXX XXXX U S DEPT OF EDXXXX XXXX B U S DEPT OF EDXXXX XXXX B U S DEPT OF EDXXXX XXXX U S DEPT OF EDXXXX XXXX U S DEPT OF EDXXXX XXXX XXXX  XXXX B U S DEPT OF ED/XXXX XXXX U S DEPT OF EDXXXX XXXX U S DEPT OF EDXXXX XXXX B U S DEPT OF EDXXXX XXXX U S DEPT OF EDXXXX XXXX B U S DEPT OF EDXXXX XXXX B U S DEPT OF EDXXXX XXXX B XXXX XXXX XXXX XXXX XXXX  XXXX XXXX B N/A XXXX XXXX  XXXX XXXX XXXX XXXX XXXX B XXXX XXXX XXXX XXXX B XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX DEPT OF ED/XXXX   XXXX B DEPT OF ED/XXXX  XXXX B XXXX XXXX XXXX B DPT EDXXXX XXXX DPT EDXXXX XXXX B DPT EDXXXX XXXX B DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX B DPT EDXXXX XXXX DPT EDXXXX XXXX B XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX CURRENT ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL 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 2021-07-16
Company: EQUIFAX, INC.
State: NY
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:
Hi CFPB, I will like to file a complain about XXXX XXXX and Equifax, I requested an unrecognized inquires on my credit report and they refused to remove it for the past 3 months. 

This is really hurting me and my family and its affecting me from getting credits from other creditors due to too many inquiry in short term. 

i have sent three letters back to back telling them to please remove the inquiries and provide me an evidence of permissible purpose, but none of them have taking any actions. 
They kept telling me its verified. 

This is violating my right as a consumer and putting me emotional distress and i will like them removed immediate. 

Here are the list of inquiries under each buraus XXXX XXXX XXXX XXXX - XX/XX/XXXX and XX/XX/XXXX XXXX / XXXX - XX/XX/XXXX, XX/XX/XXXX and XXXX XXXX XXXX / XXXX - XXXX XXXX, XXXX Equifax XXXX/XXXX   - XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX and XX/XX/XXXX Kindly help please

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-20
Company: EQUIFAX, INC.
State: OH
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:
On XX/XX/XXXX an account with XXXX XXXX was opened and closed XX/XX/XXXX I talked to several reps a XXXX and XXXX told me it was my account I asked how was it mine and the phone number that was attached to the file wasnt mine! Which was XXXX my number is XXXX Ive submitted a police report with Equifax and they still will not remove the file from my credit report! XXXX and XXXX took the item off.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-15
Company: Experian Information Solutions 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:
I tried reaching out to this XXXX several times about accounts that do not belong to me and are reporting on my credit! This information is fraudulent and i want it investigated and removed immediately off my credit 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 explanation
Consumer complaint received 2022-08-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I investigated my credit report, I realized that some of the information was erroneous. The XXXX and TransUnion credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ).

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item/account/information below : 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 2022-11-02
Company: EQUIFAX, INC.
State: KY
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 ANOTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information are not relating to any transaction by the consumer. 
XXXXXXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2021-12-14
Company: MUFG AMERICAS HOLDINGS CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XXXX  XXXX has now went against law and beyond his legal means to now STEAL MONEY FROM MY BUSINESS ACCOUNT... 

TRANSACTION XXXX - XXXX Check # XXXX TRANSACTION XXXX - XXXX Check # XXXX TRANSACTION XXXX - XXXX Check # XXXX Total of = {$19000.00} To pay off personal debt... The money in my business account is clear and true and was in the account for over a month. He illegally froze and leveraged that money against my will with no authority. No messages or information pertaining to the reasoning behind it was offered ever. I had to jump through hoops for over a XXXX weeks to get ahold of XXXX XXXX who then told me she was instructing the bank to close the account and issue me a cashiers check prior to this branch manager stealing the money today to pay off personal debt of mine. IT's now cost me my business and livelihood. My business is now fallen and i have no way to pay for food or personal expenses or business expenses. 

The law states If you are an owner of a corporation or LLC, you are a separate entity from the business, and the business isn't responsible for your personal debts. In a corporation, a creditor with a judgment against a shareholder could end up controlling the business, as you'll see below. By they way they never took legal route to do so or had any judgements or civil authority to do this. 

For example, a creditor with a judgment against an LLC member can come after any distributions that would have been made to the member, but not the member 's share of ownership in the LLC. Most states will not order a forced sale to pay the debt. 
. 

Liability for corporate shareholders is different from that of LLCs because the shares of stock they own in the company are considered personal assets. A creditor with a judgment against a corporate shareholder can take the shares of stock the shareholder owns, and along with it, the voting rights granted by those shares. If the debt is large enough, and the shareholder owns a majority of the stock shares, the creditor can take over the company and even force it to be liquidated. 

The above referenced is the ONLY the bank had the authority to take money from my account to pay for personal debt with them. THIS IS A VIOLATION OF THE LAW BOTH CRIMINAL AND CIVILLY BY this branch manager. 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 2023-09-22
Company: EQUIFAX, INC.
State: LA
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:
I have inquiries on my credit report that dont belong to me. I sent a police report to the bureaus, but nothing has been removed XXXX inquiries Inquiry details 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 XXXX XXXX Equifax 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 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 response to consumer: Closed with explanation