BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
These accounts is not mine XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These inquiries is not mine XXXX XXXX XXXX XXXX XXXX The following personal information is incorrect, remove XXXX XXXX XXXX XXXX NJ, 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 2023-11-06
Company: EQUIFAX, INC.
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/XXXX I contacted the three credit bureaus to inquire about inaccurate information that is currently reporting on my credit profile. XXXX is an account that was opened XX/XX/XXXX on my profile. The account number is XXXX and has a balance of {$630.00}. It was opened against my knowledge and consent, and is a charged off account that has a negative rating on my credit profile. I am asking all three credit bureaus to remove this account from my profile. Per 15 U.S.C 1681S-2, " permissible purpose of the consumer, a person shall not furnish any information related to a consumer to any reporting consumer agency if the person knows or has reasonable cause to believe that the information is inaccurate ''. 15 U.S.C. 1692-J states, " No one may design, compile, and or furnish any form that creates the false impression that someone other than the creditor is participating in the collection of a debt ''. 15 U.S.C. Code 1681C-2 " Block of information resulting from identity theft. ( A ). A consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than ( 4 business ) days after the date of receipt by such agency. ( 2 ) A copy of an identity theft report ''. Please remove immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-07
Company: EQUIFAX, 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: 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 response to consumer: Closed with explanation
Consumer complaint received 2023-04-06
Company: EQUIFAX, INC.
State: IL
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:
XXXX XXXX XXXX did a pull on my credit profile XX/XX/2023 XXXX XXXX also did pull on my credit prolife I did not request nor did I give permission for this company to obtain any of my personal, and do not give permission for the reporting of my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18
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: Was not notified of investigation status or results

Complaint:
Please review the XXXX signed document requesting the deletion of derogatory/delinquent account. I have been disputing this account for over a year and the bureaus are not taking action to delete 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 non-monetary relief
Consumer complaint received 2023-11-03
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX XXXX 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 an account without my written instructions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ME
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In according with the fair Credit Reporting Act XXXX  Account # XXXX ( XXXX XXXX XXXX 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 furbish an account 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 2023-06-16
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:
This is my 4th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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 XXXXXX/XX/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 2023-03-02
Company: Bread Financial Holdings, Inc.
State: TN
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:
Per my XXXX credit report, on XX/XX/2023, a company requested a hard pull of my credit. I have never heard of the company in question, nor did I authorize the request. I disputed this twice with XXXX, once on XX/XX/2023 and once on XX/XX/2023, both of which times have been denied and the information is not being removed. It does not appear that any new accounts have been opened from this inquiry, and as such, I believe this is an erroneous hard credit inquiry by the company in question and not fraud. As a result of this, I have placed security/fraud notices on my credit file with all major bureaus ( XXXX, XXXX, XXXX ) XXXX as a precaution. 

The company in question that apparently made a hard inquiry is : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, OH XXXX I have attempted to contact the company directly, but so far have not been successful, so I am submitting this compaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-08
Company: AmerAssist A/R Solutions, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I informed the original merchant that they charged me for things that I did not request, did not authorize, and that I was injured and stolen from them. Instead, they very foolishly chose to send me to Amerisist. I wrote Amerisist a dispute letter IMMEDIATELY but they ignored it. They have violated FDCPA laws. The original " creditor '' is potentially liable under the Rosenthal Act for that.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
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 FairCredit Reporting Act Capitol One has Violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B- A creditor may not treat a payment on a credit card account under an open end consumer credit plan for any purpose.

15 USC 1681A ( 2 ) ( I ) reporting containing solely as to transactions or experiences between consumers and the person making the report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03
Company: EQUIFAX, INC.
State: IL
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 am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-12
Company: Experian Information Solutions Inc.
State: CA
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 XXXX 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 XXXXXXXX XXXX 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 a account 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 explanation
Consumer complaint received 2023-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
TransUnion is reporting that I owe {$230.00} but that is incorrect. I've received an email from a collection company stating that I allegedly owe {$230.00} Why are the balances different? Who validated this charge? 

According to15 U.S. Code 1681s2 You have a responsibility to furnish complete and accurate information. 

Delete the inaccurate account from my report 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 2023-11-03
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:
ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : 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 of the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-11-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have inaccurate information on my consumer report A consumer report must maintain 100 percent accuracy I am federally protected and my rights must be upheld to the highest extent of the law please investigate all my complaints and deleted XXXX XXXX XXXX - Please start a re-investigation and prove that this account actually belongs to me. - I do not recognize this at all - please remove this inaccuracy as I do not believe it even belongs to me XXXX XXXX XXXXXXXX - XXXX - I believe this collection is reporting inaccurately. - This is not mine - please remove this inaccuracy from my report! 

XXXX XXXX - XXXX - I believe this collection is reporting inaccurately. - This is not mine - please remove this inaccuracy from my report! 

XXXX - XXXX - I believe this collection is reporting inaccurately. - This is not mine - please remove this inaccuracy from my report! 


A consumer report must maintain 100 percent accuracy and completeness having account number that are not fully being reported are a fcra violation

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: 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:
Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX Subject : Dispute of Unauthorized Hard Inquiries on My Credit Report To Whom It May Concern, I am writing to dispute several unauthorized hard inquiries on my credit report, as per my rights outlined in the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b. This section of the FCRA stipulates conditions under which consumer reporting agencies may furnish consumer reports, and I believe these hard inquiries were not conducted with my explicit permission. 

The following are the unauthorized inquiries appearing on my credit report : XXXX XXXX XXXX  ( Bank ) - Date : XX/XX/XXXX XXXX XXXX XXXX ( Finance ) - Date : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX ( Finance ) - Date : XX/XX/XXXX XXXX XXXX XXXX ( Finance ) - Date : XX/XX/XXXX XXXX XXXX ( Finance ) - Date : XX/XX/XXXX XXXX XXXX XXXX ( Finance ) - Date : XX/XX/XXXX XXXX XXXX ( Finance ) - Date : XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) - Date : XX/XX/XXXX XXXX  ( Bank ) - Date : XX/XX/XXXX XXXX ( Bank ) - Date : XX/XX/XXXX XXXX XXXXXXXX ( Bank ) - Date : XX/XX/XXXX I did not provide consent or initiate requests with the aforementioned entities to access or inquire about my credit report. As per the FCRA 15 U.S.C. 1681b ( f ), it is illegal to obtain someones credit report unless the request is made with the consumer 's consent or under a valid purpose as outlined under the FCRA. I neither initiated nor provided such consent. 

Furthermore, I'd like to highlight 15 U.S.C. 1681i, which requires credit reporting agencies to conduct a reasonable investigation upon receipt of a dispute. I hereby request a thorough investigation into these inquiries. 

If these inquiries are verified as unauthorized, the FCRA mandates their immediate removal. Please ensure these entries are expunged from my credit report. 

Enclosed, please find copies of documents that validate my identity and address. I am formally requesting all proofs or permissible purposes these entities might claim to have had, if any, to perform these hard inquiries. 

I expect this issue to be resolved promptly. Non-compliance or any delay might compel me to take legal actions to ensure my rights, as provided by the FCRA, are fully upheld. 

Thank you for your immediate attention to this critical matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-08
Company: Paypal Holdings, Inc
State: MO
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:
XXXX sent their company to get defective item on XX/XX/XXXX and issued a refund of XXXX on XX/XX/XXXX to my PayPal debit card. I then called PayPal to ask where my refund was at and they kept giving the runaround and closing my case without telling me where my refund of XXXX went. It is now XX/XX/XXXX and I still have not received my refund yet on my PayPal account. XXXX XXXX provided me with an invoice transaction of the refund showing that the refund was processed successfully to PayPal in the amount of XXXX on XX/XX/XXXX but PayPal is still refusing to do anything. I need to know where my funds are now and need my refund now.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07
Company: EQUIFAX, 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:
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 response to consumer: Closed with explanation
Consumer complaint received 2023-05-18
Company: Experian Information Solutions Inc.
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX XXXX Creditor Company Sold Account Type Date Opened XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Collection account. {$570.00} past due as of XX/XX/XXXX. 
XX/XX/XXXX {$570.00} XX/XX/XXXX 0 % Status Updated Balance Balance Updated Paid XXXX Monthly Payment Past Due Amount {$570.00} Original Balance {$510.00} Terms XXXX Month Responsibility Individual I have never been to this facility Section 604 15 U.S Code 1618B Section 605 A 15 U.S Code 1618 C-1 Section 605 B 15 U.S Code 1618 C-2 My rights to privacy are violated I didnt not agree to this collector to solicit my personal information to an third party collection agency My XXXX XXXX  rights have been violated as well This debt was then charged and written off taxes purposes by XXXX XXXX XXXX Systems Then XXXX sold to and paid by XXXX XXXX without my consent

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 2023-06-29
Company: Experian Information Solutions Inc.
State: IL
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 did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

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 2023-11-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? 

XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXXXXXX XXXX ) {$4200.00} XXXX ( Original Creditor : XXXX XXXX XXXXXXXX ) {$2200.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX {$620.00} XXXX XXXX {$6900.00} XXXX  {$4700.00XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$1300.00} XXXX XXXX {$520.00} XXXX  {$0.00} XXXX  {$0.00} XXXX XXXX {$15000.00} XXXX XXXX {$14000.00} XXXX XXXX  {$10000.00} XXXX  XXXX {$840.00} XXXX XXXX {$0.00} XXXX XXXX {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-07
Company: EQUIFAX, INC.
State: AZ
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:
Please see the attached documents to understand what had happened. 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 response to consumer: Closed with explanation