BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-07
Company: EQUIFAX, INC.
State: NJ
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:
In accordance with the Fair Credit Reporting act XXXX Account XXXX, has violated my rights 15 U.S.C 1681 section 602A. 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.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose Please view attachment below

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26
Company: Experian Information Solutions Inc.
State: NJ
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: Investigation took more than 30 days

Complaint:
I have notified XXXX XXXX XXXX XXXX about three accounts that is currently reporting inaccurately on my consumer credit file. XXXX took more then 30 days to investigate and i still haven't received any responses as to my dispute under 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 2023-11-06
Company: EdFinancial Services
State: AZ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Dept of ED/Financial shows duplicate accounts for all of my loans with DEPT OF EDUCATION/XXXX. The duplicates need to be removed

Company response to consumer: Untimely response
Consumer complaint received 2023-10-18
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:
I, XXXX XXXX XXXX, am verifying that I, XXXX XXXX XXXX, am mailing out this information. In doing so, this plus my SSN and I.D is enough proof of validation. I have noticed inaccuracies on my consumer report. It is extremely urgent that you remove any addresses that are not the one listed below.

According to 15 USC 1681e Compliance and Procedures section ( b ) Accuracy of report : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

I have already sent mail out and it has been over 30 DAYS before I received a response which now means the credit reporting agency is now in VIOLATION of my consumer financial rights! Second, the F.C.R.A states, Section 607. Compliance and Procedures [ 15 U.S.C 1681e ] ( b ) Accuracy of report, the CRA must provide me with a copy of my consumer report at 100 % accuracy at all times! These addresses and old personal information do not belong to me and are inaccurate therefore violating my consumer rights. Lastly, F.C.R.A says, Section 609. Disclosures to consumers [ 15 U.S.C. 1681g ] Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. These errors must be fixed at once. Once done send me report of everything removed

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 2023-10-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, Transunion, XXXX, and 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 2023-11-08
Company: Experian Information Solutions Inc.
State: FL
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 following accounts have violated my rights. 

1 ) Inquiry Date : XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX This inquiry was not made by me. 

2 ) Inquiry Date : XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX This inquiry was not made by me. 

3 ) Inquiry Date : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX This inquiry was not made by me. 

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 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 2023-04-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This inquiry is not authorized and was done by that creditor without permission! You must remove this 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 2023-09-18
Company: DISCOVER BANK
State: OR
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Dear Customer Financial Protection Bureau ( CFPB ) Representative, On XX/XX/XXXX, my Discover credit card account was unexpectedly closed without a clear explanation. This closure occurred just one day before XX/XX/XXXX, which is the date when I would have reached the " Cash Back Match '' period according to Discover 's Rewards rules. Based on these rules, I would have gained an additional {$290.00} in cash back rewards. 

This sudden closure is especially disconcerting because I have been using this Discover card as my primary credit card since I applied for it. One of the primary reasons I have been committed to using this particular card is due to the appealing rewards program, specifically the " Cash Back Match '' feature. The timing of the account closure, just one day before I would have been eligible for these additional rewards, raises questions about the reason behind the termination of my account. 

I have attempted to get clarification on this matter by calling Discover 's customer service. During these calls, I was transferred to four different departments, yet none could provide me with a clear answer as to why my account was closed. This lack of transparency is concerning and makes me question the fairness of this action, particularly given that it occurred right before I was due to receive a significant reward amount. 

I am seeking a thorough investigation into the reason for the account closure and would like to know whether it is possible to reinstate my account, along with the " Cash Back Match '' rewards that I would have earned. 

Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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. 


Account Name : KY XXXX XXXX Account Number : XXXX Account Name : Untitled Account Number : XXXX has violated my rights. Or list of inquiries 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 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 2023-07-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I went to a few Car lots and they only said they were my credit once and they ended up running my credit numerous amount of time. State ended up affecting my credit negatively. I did not authorize numerous inquiries. Here are the inquiries that I did not authorize listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-27
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
on XX/XX/XXXX i received an American Express XXXX XXXX in the amount of {$2000.00} from my employer. Upon trying to use the card it was being declined. I called the number on the back of the card ( XXXX ) XXXX and was transferred to customer service. The representative asked for all of the card details and advised the card would become active within XXXX hours. Immediately after hanging up the phone, there was an unauthorized charge of {$1100.00} on the card to XXXX XXXX. i called the number back and spoke with XXXX XXXX who took down my info and opened a claim, he also locked the card. American express wont offer any solutions. 

XXXX. Called ( XXXX ) XXXX. It has you put in your card number and code, then says to call ( XXXX ) XXXX. 
XXXX. Called ( XXXX ) XXXX ( Found online ). They have you put in your card number and code, then they say it's not authorized and transfer you to someone who says they don't handle American Express. I asked who they do handle, and she wouldn't reply and some guy was behind her with a script thatI needed to call ( XXXX ) XXXX. She asked for the card number which I refused since I already input it. I told her that she already has that, which she denied. She wouldnot tell me who they handle and what their affiliation with American Express was. I hung up. 
XXXX. Called ( XXXX ) XXXX - spoke w/ XXXX XXXX XXXX They've locked the card and put a hold on the pending transaction. The trnansaction has not cleared yet. - CLAIM # XXXX XX/XX/XXXX filed a complaint with XXXX  Complaint ID : XXXX XX/XX/XXXX filed a complaint with FTC Report Number XXXX XX/XX/XXXX called XXXX spoke to representative ( didnt get name ) who said the case is being investigated and will be resolved in XXXX days. I asked to speak to a supervisor and they said no they could not transfer me and i asked why and they repeated that they could not, so i asked why again and they said they were transferring and put me on hold over XXXX hour. 
Called back and spoke with XXXX who confirmed the same details of XXXX days. i asked to be transferred to a supervisor, put on hold over XXXX hour

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-19
Company: MoneyLion Inc.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am writing to provide ongoing updates and express my deepening concerns regarding the inaccurate payment history reporting by MoneyLion Inc . Despite my continuous efforts and the involvement of XXXX, the issues persist, and the impact on my credit report has worsened. 

MoneyLion is currently in litigation with me, further highlighting their failure to rectify the situation. As previously mentioned, MoneyLion has not only continued to report inaccuracies in my payment history but has also removed positive payment history entries. Additionally, they have disregarded my legitimate loan deferment requests. These actions have exacerbated the negative effects on my credit score and overall financial situation. 

I have been in communication with XXXX XXXX at the CFPB via email, keeping him informed of the ongoing situation. Despite my disputes with the credit bureaus, the inaccuracies in MoneyLion 's reporting persist. The removal of positive payment history entries and the reporting of inaccurate information are severely affecting my creditworthiness. 

I kindly urge the Consumer Financial Protection Bureau to escalate its investigation into MoneyLion Inc., focusing on the continued violations of the Fair Credit Reporting Act and their refusal to address these issues appropriately. Additionally, I request that you coordinate efforts with XXXX XXXX at the CFPB, who is currently handling the litigation against MoneyLion, to ensure a comprehensive resolution. 

I have attached updated documentation supporting my claims, including evidence of the removal of positive payment history entries, loan deferment requests, and the ongoing inaccurate reporting to the credit bureaus. 

Your continued assistance in this matter is greatly appreciated, and I look forward to a swift resolution that restores accurate credit reporting and safeguards consumers ' financial well-being.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 XXXX 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 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 2023-04-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
To whom it may concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX  XXXX XXXX {$3100.00} XX/XX/XXXX XXXX  XXXX XXXX {$510.00} XX/XX/XXXX XXXX XXXX  XXXX XXXX {$980.00} XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX {$4700.00} XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX {$1000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$590.00} XX/XX/XXXX XXXX XXXX  XXXX {$940.00} XX/XX/XXXX 2020

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 2023-09-13
Company: Experian Information Solutions Inc.
State: AZ
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 appreciate your assistance in REMOVING a portion of the data in my credit file that resulted from FRAUD, but I still have items that should be removed or blocked. According to FCRA section 605, you must destroy any records found on an ID THEFT REPORT. I remembered this report for a previous letter and am including it again. I've informed my lawyer of my intentions, and they are eager to hold you accountable for your tenacious rebelliousness. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I reached out to let the company know that the information being reported was inaccurate and was told that it would be removed.

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 2023-09-13
Company: Experian Information Solutions Inc.
State: FL
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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14
Company: EQUIFAX, INC.
State: IL
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:
I always paid on time, and this giving me XXXX I neves miss paying this account, Please update it and remove the Inacccurate late payment on my account and I can't even sleep with this problem, It's hard for me to accept it. I'm begging you to update it ASAP.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
I requested my credit report and I found that XXXX and Trans Union is reporting incorrect information in my credit report that is affecting my credit Score. Im been disputing many times the Bankruptcy that is showing in credit report and they respond to me with a letter saying the information in your credit is accurate or verified with XXXX XXXX. I don't know how they verify this information when they can not disclose my information with anyone. 
This is the dates that I dispute the information with the credit agencies XXXX XXXX XXXX The public records information is never validated by the Recorder of Deeds nor the U.S. Bankruptcy Court system due to the Fair Credit Reporting Agency Privacy Law.

I need help with this please and 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 non-monetary relief