BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-21
Company: Experian Information Solutions Inc.
State: TX
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:
Experian has stated that my accounts in question have been properly investigated and how is that possible if the theirs multiple errors attached below. 

I also came to you on my old account regarding the dispute that I never got it has been more that 30 days : Which is another violation. 

This is grounds for removal and monetary relief immediately. 
My rights where violated under : 602. Congressional findings and statement of purpose [ 15 U.S.C. 1681 ] A ) I must be respected and have the right to privacy.

604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] A ) Section 2 : It also states that a consumer reporting agency can not furnish an account with out my written instructions. 

The CARES Act modifies the Fair Credit Reporting Act, 15 U.S.C. 1681, et seq. ( the FCRA ) by precluding furnishers of credit information ( which specifically includes all major banks ) from reporting any deferred payments, forbearances, or other missed payments during the covered period. 

XXXX XXXX XXXX  XXXX Incorrect Account Number Date Opened is Incorrect No High Balalnce Incorrect Experian is reporting 4 months of late payments during covid XXXX ( XXXX ) Above Account : {$7000.00} XXXX XXXX XXXX XXXX Incorrect Account Number No high balance A collection can not have an account balance Above Account : {$3000.00} XXXX XXXX XXXX XXXX XXXX Account Number No high balance Experian is reporting XXXX XXXX XXXX XXXX XXXX during covid XXXX ( XXXX ) Above Account : {$7000.00} XXXX XXXX XXXX XXXX Incorrect Account Number Date Opened is Incorrect High Balalnce Incorrect A Charged off account can not have a balance Above Account : {$4000.00} XXXX XXXX Incorrect Account Number Date Opened is Incorrect High Balalnce Incorrect A Charged off account can not have a balance Above Account : {$4000.00} XXXX XXXX XXXX XXXX XXXX Wrong account number no high balance a charged off account can not have a balance incorrect monthly reporting XXXX ( XXXX ) Above account XXXX They are also reporting : XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX 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 2022-12-10
Company: EQUIFAX, INC.
State: GA
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 submitted a complaint to Equifax on Wednesday XX/XX/2022 about 2 fraudulent account on my consumer report, XXXX XXXX XXXX XXXX XXXX, in this dispute I included a copy of the FTC identity theft report, a copy of my utility bill, and a copy of my ID. Equifax received a copy of this on XX/XX/2022. Upon receipt of this my score was dropped XXXX points. As of today XX/XX/2022, this account is still not blocked from my consumer report. Per the FCRA 605b it states, ( a ) Block. Except as otherwise provided in this section, 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 of ( 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 is not information relating to any transaction by the consumer. 
( b ) Notification. A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) of this section ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section; and ( 4 ) of the effective dates of the block.

( c ) Authority to decline or rescind. 
( 1 ) In general. A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this section, if the consumer reporting agency reasonably determines that ( A ) the information was blocked in error or a block was requested by the consumer in error ; ( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions. 
I sent over everything that was required by law and it's still showing on my consumer report. I also have called Equifax a total of 2 times today on XX/XX/2022 for both representatives to tell me by law I have to wait 30 days even though it's an identity theft account and wait for a response from the creditor. This is unfair and unacceptable to be as I am a identity theft victim.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-11
Company: AMERICAN EXPRESS COMPANY
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This compliant revolves around the collection agency XXXX and XXXX, XX/XX/XXXX of last year, I settled a debt with Kabbage on a business loan, and worked with XXXX XXXX from their Lien division. She was sending emails advising, a lien was going to be placed on my assets, and I had 24 hours to respond. I was initially contacted on XX/XX/XXXX regarding XXXX ( USD ) debt with Kabbage, which I settled for XXXX with the payment clearing on XX/XX/XXXX. 

XXXX XXXX on behalf of XXXX and XXXX, sent an email on XX/XX/XXXX, attempting to collect XXXX ( which XXXX ). I signed in to their website, and also see an open balance of XXXX, with my XXXX prior payment. Essentially, XXXX and XXXX never cleared in their system, or closed out the debt, and reflected the accepted settlement offer. 

Starting on XX/XX/XXXX, I sent several emails ( one to XXXX and XXXX and XXXX support ), advising this was settled and offering to provide documentation. No one from the company has responded. On XX/XX/XXXX, I sent an email to XXXX XXXX from their XXXX division who I negotiated the settlement with XX/XX/XXXX of last year. I requested that she close this out, and stop any collection activity, since we settled this last year. I'm currently awaiting a response. 

This is the XXXX # : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-11
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX : # XXXXXXXX XXXX XXXX XXXX : # XXXX XXXX XXXX XXXX : # XXXXXXXX XXXX/Dept of Ed : # XXXXXXXX XXXXDept of Ed : # XXXX XXXX/Dept of Ed : # XXXXXXXX XXXXDept of Ed : # 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 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 explanation
Consumer complaint received 2022-12-11
Company: DISCOVER BANK
State: FL
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 Account # XXXX, has violated my rights. 

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

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
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 Account # XXXX, has violated my rights. 

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

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-11
Company: ARVEST BANK GROUP, INC.
State: AR
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I have a checking account with arvest bank and they allow unauthorized charges totaling over {$5000.00} within a two week. Period. I was never notified of suspicious activity. They are now not willing to reimburse for all of the unauthorized charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-11
Company: EQUIFAX, 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:
15 USC 1681 Section 602 states I have a right to privacy.

15 USC 1681 Section 604 A Section 2 : it 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 as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-11
Company: Experian Information Solutions Inc.
State: NC
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 at, the list of accounts below have Violating my federally Protect the consumer rights to privacy and confidentiality under 15 USC 1681XXXX XXXX XXXX XXXX XXXX 
Acct # XXXX XXXX XXXX XXXX XXXX. 
Acct # XXXX XXXX XXXX XXXX  Acct # XXXX XXXX XXXX XXXX Acct # XXXX Have all violated my rights. 
15 U.S.C 1681 section 602A. States : I have the right to privacy.

15 U.S.C 1681 Section 604A. States : A consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681 c. ( a ) ( 5 ) Section states : No consumer reporting agency may make any consumer report containing any of the following items of information any other reverse item of information other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681 s-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 a reasonable cost to believe that the information is in accurate.

Please Delete these accounts immediately to avoid further action.

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 2022-12-11
Company: EQUIFAX, INC.
State: NV
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:
See Attachments Re : Reinvestigation and NOTICE OF DEFAULT AND OPPORTUNITY TO CURE WITH THE INTENT TO SUE FOR DEFAMATION. The main law mandating that CRAs ensure the security and confidentiality of personal information is the Gramm Leach Bliley Act ( GLBA ) enacted in 1999. Because of your data breaches, along with your inaccurate incomplete reporting of my nonpublic personal information, you have FAILED in your obligations to protect me as a consumer/natural person. 
You say that you verified these negative inaccurate items that are still listed on my consumer report. I want to know HOW were they verified? What was the method and or process of your re-investigation? 
Who did you speak with? 
What is their job title and/or position within the company? 
What is the address where they are located? 
What is their direct phone number? 
Where are the documents including accounting ledger and contract?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-11
Company: T.S. Holdings
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
A debt from XXXX that I disputed in XXXX increased by {$1.00} a couple of days ago. Im concerned this has reset the clock on my debt. The company, IQ Data International, has been incredibly hard to work with and puts me on hold for hours or just keeps me in a phone transfer loop until I give up. Im also concerned if I reach back out after 6 years they will take this as an attempt to pay my debt and reset the clock.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-11
Company: EQUIFAX, INC.
State: FL
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:
In Accordance with the fair credit reporting act XXXX and XXXX XXXX XXXX has violated my rights. 

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

15 USC 1681-2 Responsibilities of Furnishers of information to consumer reporting agencies.

15 USC 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 explanation
Consumer complaint received 2022-09-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Im just trying to fix my credit as a tax paying working American. I have rights under 15 USC 1681. They have violated my rights numerous times. I demand the accounts listed on Transunion XXXX and XXXX be removed. I have the right to Privacy and these 3 companies have tarnished my hood standing.

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 2022-09-21
Company: Experian Information Solutions Inc.
State: MO
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 submitting yet another CFPB Complaint to request that the reported accounts on my Credit File be corrected and updated. The Credit Bureaus ' efficiency and prompt attention to correct some of the adverse information previously stated on my credit file is appreciated. As of the moment I feel there are still items on my file that need to be repaired. For that reason I request that all of the attached inaccurate information listed in my credit file be removed immediately. 

XXXX XXXX XXXX Balance Owed : $ XXXX How many times do I have to tell you that the references for the late payment on this account is erroneous and misleading causing negative impact on my Credit File ? I previously requested for the investigation and correction of this account and yet you have done nothing. Let me remind you that you are obliged to investigate and update this account per consumers requests under the FCRA regulation. Once again, I am requesting that you take your time to THOROUGHLY investigate and CORRECT this account to report accurate information on my Credit Report. 

XXXX XXXX XXXX XXXX : {$0.00} XXXX is reporting a deleted account from the other Credit Bureaus. This account was already deleted and yet you are still reporting this Account! According to the Fair Credit Reporting Act, reporting of accounts and information must be accurate. I need this account deleted as soon as possible.

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 2022-09-21
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It has been an encounter going over this and I am submitting this complaint AGAIN to remove the following fraudulent accounts in my file that are reporting on Experian Credit Bureau. I would like to request the suppression of these items from my credit report, which is the result of fraudulent item origination and identity theft. I have already done my part by sending my documents like my DL, SSN, Address, and the dispute letter I sent to Experian. Also, I have sent my FTC report to them but still, nothing has changed. Pursuant offer section 605B ( a ) ( 1 ) ( 2 ) you are required to BLOCK or REMOVE any information in my file that resulted from alleged identity theft, not later than 4 business days after the date of receipt PLEASE DELETE IMMEDIATELY! 

XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$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 explanation
Consumer complaint received 2022-12-24
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Reporting company used your report improperly

Complaint:
Capital One XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other In accordance with the written instructions of the consumer to whom it relates. 


Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer reportcontaining any of the following items of information : Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : { dispute_item_and_explanation } By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this investigation within 30 days of receipt of this letter. Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. Thank you for your time and help in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-11
Company: EQUIFAX, INC.
State: WA
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:
These companies checked my credit WITHOUT MY AUTHORIZATION XXXX  XXXX  XX/XX/XXXX. 
XXXX  XXXX XX/XX/XXXX. 
XXXX XXXX XX/XX/XXXX. 
XXXX XXXX XX/XX/XXXX AND XX/XX/XXXX. 
I have an FTC report on my credit files and it clearly says that they should call me to make sure I am the person applying. I have NEVER applied with any of these companies. I demand that EQUIFAX DO ITS JOB BECAUSE THEY NEVER DO INVESTIGATION. THEY ONLY WRITE YOU PURE LIES. AND THEY DISCLAIM RESPONSIBILITY. 

EQUIFAX PLEASE PLEASE DO YOUR JOB AND INVESTIGATE DEEPER. IT IS NOT FAIR THAT THEY FILL MY CREDIT WITH INQUIRIES THAT I HAVE NEVER APPLIED. OTHERWISE, I REQUIRE YOU TO PROVE ME WITH DOCUMENTS SIGNED BY ME THAT I MADE THOSE APPLICATIONS

Company response to consumer: Closed with explanation