BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
The companies broke the law and violated 15 USC 1681 ( a ) ( 1 ) & 15 USC 1681 ( e ) maximum accuracy compliance and procedure they hired, TransUnion who are furnishing inaccurate and unverified information on my consumer report.

You're currently using 0 % of your account 's limit. 
Balance {$0.00} Credit limit XXXX XXXX Monthly payment {$0.00} Opened XXXX XXXX, XXXX ( 4 yrs, 10 mos ) Payment History Last payment XXXX. XXXX, XXXX Current Payment Status In Collections/Charge-off Amount past due {$0.00} Worst Payment Status. No Info Account Details Account status Paid Type Credit Card Responsibility Individual Remarks Payment after charge off/collection Settled - less than full balance Times XX/XX/XXXX days late XXXX Closed XXXX XXXX, XXXX Creditor Information CAPITAL ONE XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  Reported : XXXX XXXX, XXXX {$830.00} Needs Attention Overview You have 100 % left to pay on this collection. 

Balance {$830.00} Highest Balance {$830.00} Opened XXXX XXXX, XXXX ( 4 yrs ) Account status Open Type Derogatory Responsibility Individual Remarks Dispute resolved ; customer disagrees Original Creditor Name XXXX XXXX XXXX Closed No Info Creditor Information XXXX XXXX XXXX XXXXXXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX Original creditors this is make me lose confidence in the banking system to those violations. I the consumer does not grant. XXXX the permissions to furnish these inaccurate reports I demand that they deleted this account from my consumer report, in accordance with the Fair Credit Reporting ACT convergent XXXX has violated my right. 15 USC 1681 section 602A. States I have right to privacy 15 USC 1681 section 602A section2 : 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 2023-11-24
Company: Experian Information Solutions Inc.
State: VA
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: Investigation took more than 30 days

Complaint:
Please find attached, my Formal Dispute and Refusal to Pay Alleged Debt on XXXX XXXX XXXX XXXX  Account Receivables Due to Non-Compliance with Federal Laws and DoD Regulations dated XX/XX/2023, including supporting documentation.

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 2023-10-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 got so many late payments on trans union XXXX late payments for XXXX XXXX. When I never missed a payment ever and it automated come out my paycheck. Years of bad credit and high interest rates on cars/house loan because of it.

Company response to consumer: In progress
Consumer complaint received 2023-08-06
Company: Experian Information Solutions Inc.
State: SC
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
Company Name : Experian Account Number : XXXX Amount : {$0.00} This account is paid and is reported on my reflecting 60 days past due on XXXX, and paid was past due 60 days on Experian 15 USC 1681 SECTION 602 WHICH STATES THAT I HAVE THE RIGHT TO PRIVACY, FURTHERMORE 15 USC 1681 SECTION 604a SECTION 2 ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUTOUT MY 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 explanation
Consumer complaint received 2023-08-06
Company: Experian Information Solutions Inc.
State: MI
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:
Experian continues to report inaccurate information. My name is XXXX XXXX. My address is not XXXX XXXX  XXXX XXXX XXXX, MI XXXX. I have asked Experian to stop reporting this information. 

Under the Privacy Act I am entitled to privacy. 

I am now opting out of any information reporting except XXXX XXXX my address is XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, MI 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 2022-06-06
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:
In accordance with the Fair Credit Reporting Act XXXX Bank Account # 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 without my 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 2022-06-06
Company: EQUIFAX, 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:
In accordance with the Fair Credit Reporting Act XXXX Bank Account # 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 without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
XXXX XXXX allowed community college of XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX XXXX Use my SSN number and then send a check I mailed to Us department of education for Fraudulent Loans. 

I have a XXXX XXXX XXXX and I didnt authorize XXXX staff to assault me when I went to talk to security in front of XXXX police officers. 

I didnt attend XXXX XXXX XXXX XXXX XXXXXXXX XXXX fraudulently has been going on for years for non credit courses being billed through XXXX XXXXXXXX grants. 

I was unemployed and XXXXXXXX XXXX took all my unemployment benefits and applied them to loans {$30000.00} cash they deducted from my XXXX XXXX XXXX XXXX XXXX now XXXX XXXXXXXX XXXX  accounts.

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 2023-08-20
Company: Experian Information Solutions 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:
I filed identity theft with the ftc and made a police report with following accounts. 
XXXX  XXXX. Acct # XXXX XXXX XXXX.Acct # XXXX XXXX XXXX XXXX XXXX I submitted both reports to all 3 credit bureaus and XXXX removed everything however XXXX didn't remove the 2 XXXX XXXX  accounts and experian didn't remove anything which is a violation of my consumer rights and the fcra.

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 2023-01-27
Company: Experian Information Solutions Inc.
State: LA
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 have obtained copies of all three Credit Bureau 's Reports : In accordance with the fair credit reporting act the Accounts Listed below have violated my rights. 15 U.S.C. 1681 section 602 A status, 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 an account without my written instructions. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2022-09-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI
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 a hard inquiry on my report from a company I did not apply for.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-22
Company: EQUIFAX, INC.
State: MD
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Take a look at the attached documents. I request the bureau to commence an investigation into these accounts for which I have always been punctual, but they are incorrectly marked as late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-01
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:
I have contacted Equifax multiple times about this unlawful collection : Account name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account number : XXXX I explained why this collection is unlawful and they don't respond. 
I contacted the collection company directly VIA a XXXX  complaint because it is an unlawful collection. 
XXXX XXXX contacted the original creditor ( their client ) and got no response to my complaint. This is because the original creditor knows that the debt they are collecting is against the law and completely illegal. 
My XXXX  complaint is attached. On page 3 of the attached PDF, XXXX XXXX XXXX responded saying they dont have a response and have contacted the EQUIFAX to remove the collection from my credit report. 
All other credit bureau have removed this unlawful collection. But EQUIFAX still has not removed it. 
Please see attached pdf letter with XXXX XXXX XXXX response stating they have contacted all credit bureau to remove collection from my report. 
I DO NOT OWE THIS DEBT, you can see all the details in my XXXX complaint and XXXX XXXX  response on page 3. 
Response came from XXXX please remove this from my Equifax report it is hurting my credit and it is not fair this is a completely illegal collection. 
From : XXXX XXXXXXXX To : Consumer Sent : XX/XX/2023 Subject : Respond to Complaint We forwarded your dispute to our client for review but they have been unresponsive, so we have cancelled and returned the account to the original creditor. We are now asking the credit bureaus to remove this file from your history. Please allow the credit bureaus up the 30 days to make the changes.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-17
Company: LEXISNEXIS
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
I have been dealing with LexisNexis since XXXX, thought information was already corrected but it was not. Have been dealing with them for months and get mixed responses. Sometimes, they say they can not " authenticate me '' and want me to provide additional information that I believe they have no authority to ask for like, passport copy, driver 's license, notarized documents, bank, bills. They do have my Social Security, my birthday, my wife information ( she appears in my report but I am not in her, as if she were single ) marriage entries are four when I only been married in my life once and I am XXXX XXXX XXXX. Car information, email addresses from companies that do not serve the area. My cell phone and my wife is in my report. They do not remove my wife 's phone yet is in my wife report too in addition to my land phone. It is a burthen trying to correct information when contacting their sources because they do not respond or no longer in business ( outdated information ) like XXXX XXXX went out of business but yet it shows they have an interest in my wife car. LexisNexis is providing incorrect information that cost in insurance premiums and provides a wrong/incorrect value as to the risk and value on my " persona '' It is very difficult and costly to deal with them they do not verify the information they impute as yours. My name and my address : XXXX now the started spelling as : XXXX  in my address, with my middle name and first name. With this pretext they request me to provide more information. At the same time when they at some point say they can not authenticate me, they go to XXXX, XXXX, and XXXX and they access my file with no problem at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
The information on my credit report doesnt belongs to me I would like the information removed from credit report. I filled a report through XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$25.00} XX/XX/XXXX ( late payment ) XXXX XXXX XXXXXXXX {$320.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX {$570.00} XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX {$25.00} XX/XX/XXXX ( late payment ) TRANSUNION XXXX XXXX XXXX XXXX  XXXX XXXX Original Creditor : XXXX XXXX ) XXXX {$570.00} XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX {$25.00} XX/XX/XXXX ( late payment XXXX XXXX XXXX XXXXXXXX {$320.00} XX/XX/XXXX Top Inquiries Creditor Name Type of Business Date of inquiry Credit Bureaus XXXX Miscellaneous XXXX XXXX  XX/XX/XXXX XXXX XXXX - XXXX XXXX Reporters XX/XX/XXXX XXXX XXXX XXXXXXXX Miscellaneous and public record XX/XX/XXXX TransUnion XXXX, XXXX Miscellaneous Reptg. Agencies XX/XX/XXXX XXXX XXXX Mortgage Reporters XX/XX/XXXX XXXX XXXX XXXX Miscellaneous and public record XX/XX/XXXX TransUnion XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX Miscellaneous XXXX XXXX  XX/XX/XXXX XXXX XXXX Mortgage Reporters XX/XX/XXXX XXXX XXXX XXXX Miscellaneous and public record XX/XX/XXXX TransUnion XXXX XXXX Miscellaneous Reptg. Agencies XX/XX/XXXX XXXX XXXX XXXX Mortgage Reporters XX/XX/XXXX XXXX XXXX XXXX  Finance other than personal XX/XX/XXXX TransUnion XXXX Miscellaneous Reptg. Agencies XX/XX/XXXX XXXX XXXX Mortgage Reporters XX/XX/XXXX XXXX XXXX XXXX  Miscellaneous and public record XX/XX/XXXX TransUnion XXXX XXXX  General Clothing Stores XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Banks XX/XX/XXXX XXXX XXXX XXXX XXXX Bank Credit Cards XX/XX/XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX Bank Credit Cards XX/XX/XXXX XXXX XXXXXXXX XXXX and XXXX XXXX  XXXX XX/XX/XXXX TransUnion

Company response to consumer: In progress
Consumer complaint received 2023-08-26
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2023-05-11
Company: WELLS FARGO & COMPANY
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:
You are in violation of the Fair Credit Reporting Act ( FCRA ), [ 15 U.S.C 1681b ( a ) 3 ( f ) ( i )., for unlawfully obtaining my XXXX consumer report on XX/XX/2020 without my authorization or a permissible purpose under the 15 USC 1681 Fair Credit Reporting Act ( FCRA } and its guidelines for permissible purpose.

15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding inquiries ; Except as provided insection 1681g ( a ) ( 5 ) of this title, aconsumer reporting agencyshall not furnish to anypersonarecordof inquiries in connection with acreditor insurance transaction that is not initiated by aconsumer. 


I have not initiated any transaction with your company, Further, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with Credit for review or collection.

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 2023-12-09
Company: EQUIFAX, INC.
State: NC
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:
XXXX XXXX XXXX " Dept Of EDXXXX '' is reporting an account/s to my Consumer reports that I didnt give any express permission or permissible purpose to report which is a violation of my rights according to law. 15 USC 1681b ( 2 ).

As a Consumer I have the right to privacy pursuant 15 USC 1681, 15 USC 1692, 15 USC 6801.

My personal information is my business, my student loans are my NONPUBLIC personal information and Dept Of EDXXXX have reported my nonpublic personal information without my consent to a non-affiliated third party which amounts to AGGRAVATED IDENTITY THEFT. 18 USC 1028A.

15 U.S. Code & 6801 - Protection of nonpublic personal information It is the policy of the Congress that each FINANCIAL INSTITUTION has an affirmative and continuing obligation to respect the privacy of its consumers and to protect the security and confidentiality of those consumers nonpublic personal information.

According to the FCRA the above servicing company has violated my rights by providing my confidential and private information to a non-affiliated third party without my permission or without giving the proper disclosures.

Pursuant 15 USC 6802 Account # XXXX x XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-01
Company: Experian Information Solutions Inc.
State: TX
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:
Experian is in violated of 15USC 1681b ( a ) 3 ( f ) ( i ) for allowing the following person ( s ) to obtain my Experian Report without my written authorization and permissible purpose under the Fair Credit Reporting Act and its guidelines which is a direct result of IDENTITY THEFT. 
A person shall not use or obtain a consumer report for any purpose unless : 1 ) The Consumer Report is obtained for a purpose for which the consumer report is authorized to be furnished under this section. 
2 ) The purpose is certified in accordance with section 1681b ( f ). Chester v. Purvis, 260 F. Supp 2d 711 ( S.D Ind. 2003 ). 
15 USC 1681 ( b ) c ) - Furnishing Reports in connection with credit or insurance transactions that are not initiated by the consumer ( 3 ) Information regarding inquires ; Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person or record of inquires in connection with a credit or insurance transaction that is not initiated by a Consumer. According to the law referenced, EXPERIAN must remove the following unauthorized inquires that were pulled from my report without my written authorization and permissible purpose Immediately listed in my notice sent to them or they will face legal consequences.

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 2023-10-25
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:
Last month I submitted a valid police report and identity theft report detailing how the accounts on my profiles are erroneous and inaccurate and they still have not removed the information after numerous times and mailings.

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 2023-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.

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 2023-09-29
Company: Experian Information Solutions Inc.
State: UT
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:
The attached do not answer any questions nor resolve any problems! What the hell are these for???? CFPB already has a mechanism in place to ID complainants. You send lies to the CFPB to make them believe you did your job when you don't. Then you send me the XXXX that's attached here??? Really???? Not going to work!!!

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