BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-03
Company: TD BANK US HOLDING COMPANY
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:
On XX/XX/, A store manager from a furniture company, left a voicemail on my husband cell phone for me to contact her in regards of a new account that was recently opened in my name. On XXXX, I contacted her via phone in regards of the new account that was recently opened. She informed me that furniture were recently bought on credit at a Furniture store. I informed her that I have not opened any new accounts or bought furniture at any stores. She said she had a feeling something wasnt right because I live in a totally different State. She gave me the account number and address the furniture was delivered to. She said they have been getting a lot of identity theft lately due to people being able to fill out applications & get approve on the internet. She sent me an email with her store information. I called the police in their State but was informed to contact the police where I reside at and then they will be able to investigate the case.I looked on my credit report and that person was approved for XXXX by the lender._________________

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-27
Company: Experian Information Solutions Inc.
State: AZ
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 was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 

Please investigate if every piece of information is correct. If not, please remove it from my credit report. 



XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX of inquiry : XX/XX/XXXX Delete this account. 

XXXX. The inquiry was not authorized XXXXXXXX XXXX XXXX XXXX inquiry : XX/XX/XXXX Delete this account. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX inquiry : XX/XX/XXXX Delete this account. 

XXXX. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX Account Number XXXX XXXX Delete this account. 

XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Delete this account. 

XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-02
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
**I HAVE NOT SUPPLIED PROOF UNDER THE DOCTORINE OF ESTOPPEL BY SILENCE, XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX, XXXX, I PRESUME THAT NO PROOF OF THE ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT IN FACT EXISTS** The Fair Credit Reporting Act, as defined in 15 USC 1681 section 602 a, emphasizes the importance of consumer reporting agencies conducting their responsibilities with fairness, impartiality, and respect for consumers ' right to privacy. In line with this, XXXX, XXXX and Experian are consumer reporting agencies, and as a consumer, I hold the right to safeguard my private information, which is reinforced by 15 USC 6801. This act asserts that financial institutions, including " Furnishers of information to credit agencies, '' must continuously uphold customer privacy and protect the confidentiality of their nonpublic personal information.

According to 15 USC 1681 section 604 a section 2, consumer reporting agencies can furnish a consumer report only when instructed in writing by the consumer concerned. As such, I have not given my consent, verbal, non-verbal, written, or otherwise, to XXXX, XXXX, Experian, XXXX XXXX XXXX, XXXX XXXX, or any other furnisher to disclose my information. 

Moreover, 15 USC 6802 ( b ) ( c ) specifies that a financial institution can not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is informed of their right to exercise the option of nondisclosure. In my case, both XXXX XXXX XXXX and XXXX XXXX failed to inform me of this right, violating the law. 

Furthermore, 15 USC 1681C ( a ) ( 5 ) prohibits consumer reporting agencies from including certain adverse items of information in a consumer report, such as records of crimes that date back more than seven years. The reporting of this account as an adverse item without my permission is, therefore, against the law.

In addition, 15 U.S. Code 1681s2 ( A ) ( 1 ) A states that providing inaccurate information to a consumer reporting agency is prohibited. XXXX, XXXX, and Experian have failed to maintain reasonable procedures to avoid such violations, as required by 15 U.S. Code 1681e.

Lastly, as stated in 12 CFR 1016.7, I retain the right to opt out of any reporting services at any time. Consequently, I am choosing to exercise my right to opt out of your reporting services.

In conclusion, it is crucial that all parties involved in consumer reporting, including XXXX, XXXX, Experian, XXXX XXXX XXXX, and XXXX XXXX adhere to the laws and regulations outlined in the Fair Credit Reporting Act to ensure the fair treatment and protection of consumers ' personal information.

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 2023-08-02
Company: Experian Information Solutions Inc.
State: PA
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 have been disputing the inaccuracies and erroneous information being reported on my Credit File for a long time. However, the Credit Bureaus have been ignoring my requests and demand despite the letters and documents that I have been submitting to them. My dispute letters with complete attachments of my personal information and the Identity Theft Report I received from the FTC have been blatantly ignored by the Credit Bureaus. They continue to report the disputed accounts on my Credit File without properly providing any supporting documents to back up their claims that the information they report are accurate an up to date. It is my understanding that under section 605b of the Fair Credit Reporting Act ( FCRA ), it is the Credit Bureaus ' legal obligation to ensure that any unauthorized and unfamiliar accounts and information are promptly removed from a consumer 's credit file. Because of the Credit Bureaus ' negligence and indifference, I am worried of my Credit Worthiness. I am submitting this CFPB complaint in accordance with the Fair Credit Reporting act section 611, which allows me to dispute my own Credit File, and demand the Credit Bureaus to correct my Credit File from any inaccurate, erroneous, and fraudulent accounts and information by removing the following items : XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX {$0.00} XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX. Most of these accounts were already removed from other Credit Bureaus and it makes me wonder if the 3 major Credit Reporting agencies have been doing the exact same course of action, why does these accounts still remain only on their Credit bureau? I need the disputed accounts removed completely from my Credit File.

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 2023-04-04
Company: EQUIFAX, INC.
State: FL
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:
Equifax and XXXX are reporting inaccurate information on my credit profile leading to lower credit score causing me financial harm. I have submitted disputes concerning reports from Child support payments that they are reporting late that were not late and missed or late payments to XXXX loans when XXXX loan payments were paused last year XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Pursuant to the FCRA, it is EXPERIANS duty to be reporting correct and accurate information on my credit report and file, however they are NOT. EXPERIAN is reporting 1 inaccurate late payment for the XXXX  XXXX account ending in XXXX. This includes a 30 day late payment posted in XX/XX/2020. This is incorrect and supposed to be reported as PAID AS AGREED. Furthermore, pursuant to 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ), a consumer report does NOT contain information solely as to transactions or experiences between the consumer and the person making the report. A late payment constitutes a transaction. With that said, the reporting of the inaccurate late payment results in EXPERIAN violating my federally protected consumer rights. To add to this, I did NOT give EXPERIAN written instruction/permission to furnish these inaccurate late payments on my consumer report and file, violating 15 U.S.C. 1681b ( a ) ( 2 ). It is clear that EXPERIAN has violated my federally protected consumer rights under the FCRA and the inaccurate reporting is causing me and my reputation severe harm and discrimination.

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 2022-05-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 Account/Reference # XXXX, XXXX XXXX Account/Reference # XXXX, XXXX XXXX Account/Reference # XXXX, XXXX 's XXXX  Account/Reference # XXXX XXXX XXXXXXXX XXXX XXXX Account/Reference # XXXX, XXXX XXXX XXXX Account/Reference # XXXX, XXXX XXXX XXXX Account/Reference # XXXX, XXXX Account/Reference # XXXX, XXXX  XXXX XXXX Account/Reference # 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 2023-10-26
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: Reporting company used your report improperly

Complaint:
Subject : Dispute of Inaccurate Reporting of My Information - Violation of Fair Credit Reporting Act To Whom It May Concern, I am writing this letter to formally dispute the accuracy of the information being reported by your agency regarding my credit history, specifically with regard to XXXX XXXX XXXX XXXX, as it pertains to Account number : XXXX and Account number : XXXX. It has come to my attention that you have been reporting information related to these accounts without my consent, and I believe that this action directly violates the Fair Credit Reporting Act ( FCRA ). 

The FCRA, under 15 USC 1681b, clearly outlines the permissible purposes for which consumer reporting agencies may furnish credit information. It is my firm belief that your actions in reporting my information without my consent are in direct violation of this statute.

Moreover, I wish to bring to your attention several other sections of the FCRA that have been violated by your agency 's actions. According to 15 USC 1681 SECTION 602, I have the right to privacy concerning my credit information, and your actions have compromised this fundamental right.

Furthermore, 15 USC 1681 SECTION 604 A SECTION 2 explicitly states that a consumer reporting agency can not furnish information about an account without the consumer 's written instruction. I have never provided such instruction for the accounts in question, and yet you have reported them without my consent. 

Additionally, 15 USC 1666B establishes that a creditor, in this case, XXXX XXXX XXXX XXXX, may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. I request that you ensure that " ALL '' late payments associated with the accounts mentioned be updated to " Paid as Agreed Never Late ( PAANL ) '' immediately, in accordance with this statute. 

In light of these violations of the FCRA, I kindly request that you take the necessary steps to correct this inaccurate reporting and update the information associated with Account number : XXXX and Account number : XXXX to reflect my true credit history. It is my right as a consumer to have accurate and up-to-date information on my credit report. 

I am providing you with this written notice as per my rights under the FCRA, and I expect you to conduct a thorough investigation into this matter and the method you use to verify. I also request that you promptly inform me in writing of the results of your investigation. 

Please be advised that I take my rights under the FCRA seriously, and I am prepared to take further action to protect those rights if necessary. I trust that you will address this matter promptly and in accordance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-30
Company: EQUIFAX, INC.
State: GA
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 HAVE REQUEST ORIGINAL CONTRACTS WITH MY WET INK SIGNATURE TO PROVE THAT THESE ACCOUNTS BELONG TO ME AND THE CREDIT COMPANY NEVER SUPPLIES WHAT I ASKED OR WHAT IS STATED IN MY NOTICE TO VERIFY ACCOUNTS. THIS IS A VIOLATION OF MY RIGHTS AND IS SERIOUSLY HINDERING ME FROM OBTAINING CREDIT. THIS COMPANY ALWAYS SEND A frivolous DISPUTE RESPONSE WHEN IN ACTUALITY IT IS A DEFLECTION. THEY ALWAYS FIND A REASON TO NOT HONOR OR PROCESS MY DISPUTE AND ITS HONESTLY XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 HAVE REQUEST ORIGINAL CONTRACTS WITH MY WET INK SIGNATURE TO PROVE THAT THESE ACCOUNTS BELONG TO ME AND THE CREDIT COMPANY NEVER SUPPLIES WHAT I ASKED OR WHAT IS STATED IN MY NOTICE TO VERIFY ACCOUNTS. THIS IS A VIOLATION OF MY RIGHTS AND IS SERIOUSLY HINDERING ME FROM OBTAINING CREDIT. THIS COMPANY ALWAYS SEND A frivolous DISPUTE RESPONSE WHEN IN ACTUALITY IT IS A DEFLECTION. THEY ALWAYS FIND A REASON TO NOT HONOR OR PROCESS MY DISPUTE AND ITS HONESTLY 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 2023-05-12
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
Experian has a derogatory mark listed on my credit report from XXXX XXXX XXXX. The account shows closed but XXXX XXXX XXXX has requested its removal from my report and Experian has failed to do so after several months and gas claimed information is accurate in dispute investigation. A thorough investigation would show that the creditor requested it be closed and removed and therefore the information can not be 100 % accurate if it is not supposed to be on my report to begin with. I am submitting the response from XXXX XXXX XXXX on the matter through a CFPB complaint/investigation.

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 2019-02-12
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
In XX/XX/XXXX, I discovered a fraudulent account had been opened with my social security number and was showing up on my Equifax account as unpaid. The other two credit agencies did not place this fraudulent account on my credit report. 

I opened a dispute with Equifax, with whom I've had a security freeze since XX/XX/XXXX. In XX/XX/XXXX, I moved to Pennsylvania, where I currently live. This fraudulent account was opened in XX/XX/XXXX for the address XXXX XXXX XXXX, XXXX AL XXXX. The reference number for the dispute is XXXX. 

Equifax closed the dispute, claiming I lived at the address in XXXX Alabama. I have never lived at this address, which can easily be verified by looking at my current mortgage information. 

I'm horrified that someone can fraudulently open an account, that the utility company with whom they opened the account never conducted a proper credit check ( if they had, they'd have seen that I have a credit freeze ), and that all it takes is for a company to claim I lived somewhere for this to negatively affect my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02
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:
Dear Sir/Madam, I hope this letter finds you well. I am writing to demand the deletion XXXX - XXXX for {$8500.00} from my credit report in accordance with the applicable laws and regulations. The purpose of this demand is based on a recent class action lawsuit settlement and the violations of relevant consumer protection laws. 

As per the lawsuit ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), XXXX XXXX XXXX was involved in a class action lawsuit due to alleged violations of the XXXX XXXX XXXX XXXX XXXX XXXX XXXX and the Fair Debt Collection Practices Act ( FDCPA ). The lawsuit also accused XXXX of breaching its own contracts by imposing improper fees. 

The allegations against XXXX revolve around its use of " heavy-handed tactics '' in the automotive finance sector, aimed at coercing consumers into paying their loans. These tactics included incessant and harassing calls to the plaintiffs ' phones, which are explicitly prohibited by the XXXX and the FDCPA. 

Moreover, XXXX 's actions are reported to have violated XXXXrticle 9 of the Uniform Commercial Code ( UCC ), further underscoring their wrongful conduct. These violations have had a detrimental impact on my credit report, hindering my financial standing and causing severe distress.

I firmly believe that these violations and the subsequent lawsuit settlement warrant the immediate removal of XXXX - XXXX for {$8500.00} from my credit report. The negative impact of these entries on my credit history is unfair and unjust, given XXXX 's proven wrongful actions. 

I hereby request that the Consumer Financial Protection Bureau promptly investigates my case and ensures the deletion of XXXX  - XXXX for {$8500.00} from all major credit reporting agencies, including but not limited to XXXX , Experian, and XXXX . I expect that this deletion will take place within the legally mandated timeframe to rectify the harm caused to my creditworthiness. 

Please provide me with written confirmation once my account has been removed from my credit report, along with any relevant documentation or proof of the deletion. 

Your attention to this matter is greatly appreciated. I trust that the Consumer Financial Protection Bureau will act diligently to protect consumers ' rights and ensure fair and accurate credit reporting practices. 

If you require any additional information or documents, please do not hesitate to contact me at XXXX XXXX or XXXX. I look forward to a swift resolution to this matter. 

Thank you for your prompt attention to this request. 

Sincerely, 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