BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-25
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 non-monetary relief
Consumer complaint received 2022-06-25
Company: EQUIFAX, 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 XXXX XXXX # XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 response to consumer: Closed with explanation
Consumer complaint received 2022-09-20
Company: EQUIFAX, INC.
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 Fair Credit Reporting act XXXX  the following accounts XXXX # XXXX, XXXX # XXXX, XXXX # XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX ) # XXXX, XXXX XXXX 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 furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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 Fair Credit Reporting act XXXX  the following accounts XXXX # XXXX, XXXX # XXXX, XXXX # XXXX, XXXX ( Original Creditor : XXXXXXXX XXXX XXXX  ) # XXXX, XXXX 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 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 non-monetary relief
Consumer complaint received 2023-10-16
Company: Experian Information Solutions Inc.
State: OR
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 unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16
Company: Experian Information Solutions Inc.
State: NC
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: Problem with personal statement of dispute

Complaint:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed 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 explanation
Consumer complaint received 2023-08-17
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: Credit inquiries on your report that you don't recognize

Complaint:
I have hard inquiries on my report that I do not recognize, are affecting me financially & I do not & have not give written consent for these hard inquiries to be on my credit reports pursuant to 15 U.S.C. 1681 section 602 A and 15 U.S.C. 1681 section 604 A - Section 2. 


XXXX XXXX XXXX XXXX Hard Inquiry date : XX/XX/2023 XXXX Hard Inquiry date : XX/XX/2023 XXXX XXXX XXXX Hard Inquiry date : XX/XX/2023 XXXX XXXX XXXX Hard Inquiry date : XX/XX/2023

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 2021-10-30
Company: Suburban Credit Corporation
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Today, XX/XX/XXXX, I received a letter via USPS from a debt collection company demanding payment for a debt which was discharged in XXXX via chapter XXXX bankruptcy by the United States Bankruptcy Court for the XXXX District of Virginia, in XXXX, VA. 

This company is harassing me by fraudulently attempting to collect this debt. 

Here is the information for the offending company : Suburban Credit Corporation XXXX XXXX XXXX XXXX, VA XXXX The debt listed is tracked by their internal account number XXXX. 
It references a medical debt which was discharged on XX/XX/XXXX. 
The last 4 digits of the original account number were XXXX. 

The specific debt is referenced on the attached documentation for my chapter XXXX filing on page 20 of the PDF. It is listed in section 4.7 of Form 106E/F.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-06
Company: Western-Shamrock Corporation
State: CO
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 DO NOT RECOGNIZE THE WESTERN SHAMROCK ACCOUNT. IT MUST HAVE BEEN OPENED FRAUDULENTLY. I NEVER ACCEPTED A XXXX DOLLAR LOAN, FROM WESTERN SHAMROCK. WESTERN SHAMROCK WILL NOT STOP THE REPORTING, OF THE ACCOUNT, TO THE CREDIT BUREAUS. THEY WIL NOT REMOVE THE ACCOUNT, FROM MY CREDIT REPORTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Experian, Please see attached - theres incorrect information on my credit report that needs to be corrected. 

Thank you

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 2023-11-21
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: Credit inquiries on your report that you don't recognize

Complaint:
The following hard inquiries appearing on my credit report are unauthorized and/or not recognized by me. 
XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-10-04
Company: Experian Information Solutions Inc.
State: MI
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:
see attachments/ Because my rights are being violated under FCRA 15 U.S.C. 1681 governs my rights to consumer credit report records and promotes accuracy, fairness, and Privacy of Personal information assembled by Credit Reporting Agencies. The XXXX have and are violating MY Consumer Rights. 
my right to privacy my Identity being used without my written consent my right to fair and accurate reporting with my permission my right to obtain credit and

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 2023-10-16
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Dear CFPB, EXPERIAN, XXXX, XXXXXXXX XXXX XXXX XXXX I write to you as a concerned consumer, well aware of my rights under federal law, particularly as enshrined in the tenets of 15 U.S.C. 1681 ( i ) ( 7 ) and 15 U.S.C. 1681 ( i ) ( 5 ). These statutes underscore the need for timely, accurate, and impartial credit reporting, principles I hold dear in my relationship with your esteemed agency. 
My concern pertains to XXXX XXXX XXXX XXXX XXXX XXXXXXXX, which, upon meticulous examination of my credit report, reveals glaring inconsistencies. While I have previously attempted to dispute the account 's accuracy, these efforts have regrettably yielded no conclusive verification of its legitimacy. It is imperative to reiterate that the legitimacy and credibility of this account are significantly questionable. 
15 U.S.C. 1681 ( i ) ( 7 ) obligates your agency to promptly correct or delete any information found to be inaccurately reported. The stark discrepancy in the status of the account in question across the major credit bureaus constitutes a clear-cut case for a detailed investigation, as well as the subsequent deletion of the disputed account. 
I hereby formally request that your agency not only undertake a thorough investigation into the contested account, as mandated by the law, but also proceed with the immediate deletion of this account. It is important to emphasize that previous investigations have left a trail of unsatisfactory responses, leaving me with little recourse other than to insist upon its deletion to restore the integrity of my credit report. 
In the pursuit of my rights as a consumer and under the aegis of 15 U.S.C. 1681 ( i ) ( 5 ), I demand a diligent, accurate, and swift response. The statute underscores the importance of your agency 's role in upholding the principles of fairness and accuracy in credit reporting. 
The demand for the deletion of the disputed account is not merely a request ; it is a legal and ethical imperative to rectify the inaccuracies that have tarnished my creditworthiness and financial standing. The precedent set by federal statutes and the protection of consumer rights firmly support this request. 
In conclusion, I implore your agency to treat this matter with the utmost gravity and urgency it merits. The due diligence and expeditious attention to this matter are not only prudent but absolutely essential to rectify the apparent inaccuracies affecting my credit report. 
I anticipate your prompt acknowledgment of this request and expect a timely resolution, which will restore precision, impartiality, and credibility to my credit report. 
Sincerely, 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 2022-11-28
Company: U.S. BANCORP
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
We were on the process of buying a new home. The construction company XXXX XXXX XXXX XXXX sent our title agency company name on docusign and determined the closing date about two months ago. Two days later we received an email from the title agency which was a spoofed email that we were not aware of. That same email was sent to our realtor too. The spoofed email asked us to wire the deposit money early. This spoofed email knew the exact amount ( around {$180.00} ) with the pennies which matched the exact amount our loan officer had sent us by docusign. Since all the information was right, we didn't suspect. Therefore we did what we were told and wired the money to the given account number.Before the transaction, we called and informed our loan officer and our realtor for confirmation. The loan officer confirmed the number and then we called our bank ( XXXX XXXX ). We asked if the attached escrow account # belonged to the title company. The title company name on the escrow account was exactly the same. After that confirmation with our bank, we wired the money. On the other hand, XXXX XXXX changed the closing date three times. At the closing date we went to the title agency. We found out that we had wired the money to a dfferent account. We filed a wire fraud file with XXXX XXXX. The money was wired to US Bank in XXXX Arizona instead of XXXX XXXX account. We contacted XXXX XXXX XXXX department and they asked the US bank to give them info about that fraud acount and the money wired. They didn't feel any obligation to respond. We had consultation from two lawyers. We contacted local police department. They all pointed to XXXX. Then we filed XXXX form ( wire fraud form ) on XXXX  website and submitted it. We didn't receive any confirmation # from XXXX. When noone got back to us we made a call to FBI.We were told there wasn't a way to track our file. Unfortunately that wasn't any help at all. It's been two months that noone contacted us. We are left all alone. We could not buy a new home. We are now renting. We want to get our money back but don't know how to do it. There must be something that someone can do about it. Our loss is very big and changed our lives. We are seeking for your help. Please help us.

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 2022-07-28
Company: WELLS FARGO & COMPANY
State: MS
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have submitted disputes to you and I didn't get a response within 30 days and ya 'll are required by laws to do so. Please investigate my disputes, please. thank you.

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 2022-09-20
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:
This is XXXX XXXX and I am submitting this complaint about recent disputes sent to the 3 Credit Bureaus about erroneous information on my credit report. Regardless of the multiple written requests, the inaccurate accounts listed below are still reported on my credit report in violation of federal law. Please update or correct the following accounts completely from my Credit Reports : XXXX XXXX Balance : {$230.00} XXXX XXXX XXXX : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I am writing this letter on behalf of the Fraud Report I recently filed due to the fraudulent and unauthorized transactions initiated on my account. There has seemed to be a mistake of a Reversal that Bank of America processed for the amount of {$1100.00} on XX/XX/XXXX XXXX the compensation that I am entitled to regarding this financial lost. Having that I called Bank of America customer service on the matter multiple times there were multiple instances where I was informed that my claim was believed to be getting denied because of speculation of the user being familiar of the PIN code with the magnetic chip used on the Debit Card. I understand in that specific case could be misconstrued into false accusation of the Owner of the Account being the only one having that information. In my circumstance would be inaccurate being that my mobile phone is a factor in the matter which had my sensitive information located within my notes including my PIN, Email Password, etc. The unauthorized use took effect when the person accessed and obtained the sensitive information that was located in the notes of my mobile phone for personal financial gain. I am writing this letter supporting my recent claims and re-presenting the knowledge that I believed was overlooked during the investigation of my previous filed claims. Seeking to have this matter resolved i wish to lift the XXXX XXXX Reversal action that was put into effect to my account. I am demanding Bank of America reopen my claims immediately so I am provided the proper compensation based on part of the agreement that was made when opening the account stating that Bank of America Customers would not be liable for any fraudulent transactions that transpired on the account.

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 2022-09-20
Company: Block, Inc.
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/XXXX my account with cash app was charged a dollar by a company called XXXX then the canceled it then on XX/XX/XXXX XXXX made XXXX fraudulent charges to my account total approximately XXXX, XXXX charges of XXXX two charges of XXXX two charges of XXXX one charge of XXXX and one charge of XXXX starting with first charge at XXXX and the XXXX charge ending at XXXXXXXX. When I started this dispute with these charges the website would not email the appropriate steps/forms to take cause they never got to me that was told would help me start the process, never arrived. The phone number they gave me from a automated online chat would go to a voice message that they were inundated with calls and to use the online chat to get to a agent virtually and then hangs up on you. I was finally able to get the needed item sent to me using a different email. So they put these disputes in review. They were supposed to touch base with me and I never received a call or email telling me what's up till I kept trying to contact them through the chat portal and finally got thru and they told me my items were in review. I don't know exactly when the gave me the refund since on the platform it doesn't give me this and one of the XXXX charges is still not refunded to me do to it still being in review. Ever since that day I have sites trying to hit my account for money. They then proceed to deactivate my card due to high dispute rate and say they can't give me any further information?!! I was just disputing fraudulent charges from a dishonest site and the lock my card?! I've never gone over my funds or had any other problems till that day. I've continued to try contacting them but all they say is that the card is deactivated and can not be changed at this time. I've tried calling multiple times to be hung up on. And it seems they care more about the vendor than the consumer. And when your on the chat portal it's always an initial automated response say they had to forward to a customer support agent and it may take several hours. Then once they respond the answer are very vague and give you no other help. I'm just trying to get all my money back as I am XXXX  and on XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21
Company: EQUIFAX, INC.
State: CA
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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