BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-30
Company: EQUIFAX, INC.
State: OH
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:
Over the greater part of the last year I've been disputing inaccurate credit reporting on the behalf of XXXX. I've completed countless dispute with both the creditor bureau and XXXX to no avail. My latest dispute was a recent as XX/XX/XXXX. I was notified in writing XXXX reviewed my account and an adjustment was made and reported to the bureaus. It's now XX/XX/XXXX and XXXX most definitely made an adjustmentit 's just further inaccurate. I'm disputing accounts that contain late payments as recent as XX/XX/XXXX. Well, unless you've been under a rock, there is a government mandate to cease loan payments until XXXX due to Covid 19. To add insult to injury the accounts I'm referencing have been closed since XX/XX/XXXX. So in a nutshell I'm receiving late payments on closed accounts, despite the government mandate. In all it's a total of 6 late payments. My credit score has taken a 42 point hit because of this and no one seems to care to help, including the CFPB. I've attached a copy of my most recent credit report for review. Also, I explained to XXXX that as a consumer I have the right to privacy and I never authorized XXXX to report on me. I was told that information was included in my MPN, which it does have a section entitled " credit bureau notification ''. However, my understanding of 15 USC 1681a ( d ) ( 2 ) ( i - iii ) is that the report excludes information solely as to transactions or experiences between the consumer and the person making the report. In addition, the corporation or any of its affiliates has to be explicit in communicating with the consumer that said corporation ( XXXX ) intends to share any private information prior to initially sharing it with a third partyallowing the consumer to direct that such information not be communicated. I at no time neither via writing or verbally was disclosed this information. So in essence, XXXX is wrong in reporting wrong information, wrongfully.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16
Company: Experian Information Solutions 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:
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 U.S.C 1681. ACCOUNT Name : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX ( Original Creditor : XXXX  ) XXXX, and XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX ) XXXX. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 2021-09-30
Company: Experian Information Solutions 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: Old information reappears or never goes away

Complaint:
on XX/XX/21 account XXXX was disputed with company XXXX XXXX XXXX XXXX and this account still appears on my consumer report/file, which is damaging my reputation.

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 2021-09-30
Company: Experian Information Solutions Inc.
State: OK
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:
The student loan XXXX is not accepting my bankruptcy for student loans for XXXX XXXX  The school is no longer open and I can not get my college transcript

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 2019-05-03
Company: Experian Information Solutions Inc.
State: MO
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:
My identity has been compromised due to identity theft and I was left with many unauthorized accounts on my credit file and I'm requesting that the XXXX mojor credit reporting agencies either send me a certified physical copy of an legal instrument with my signature accepting these accounts as an agreement between them companies inwhich I'm disputing and I, if not then as a consumer with rights I'm demanding that these accounts be blocked immediately and permanently from my credit data/ files. 

Remove these accounts, 1 ) XXXX XXXX {$1000.00} 2 ) XXXX Consulting {$1300.00} 3 ) XXXX {$180.00} 4 ) XXXX {$370.00} 5 ) XXXX   XXXX {$460.00} 6 ) XXXX XXXX {$110.00} 7 ) XXXX XXXX {$83.00} 8 ) XXXX XXXX {$150.00} 9 ) XXXX XXXX XXXX {$610.00} 10 ) XXXX XXXX XXXX {$41.00} {$20.00} {$40.00} {$83.00}

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 2023-06-16
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:
XXXX, XXXX XXXX Experian Hard Inquiry Removals : XXXX. ) XXXX XXXX / XX/XX/2023 XXXX. ) XXXX XXXX / XX/XX/2023 XXXX. ) XXXX XXXX XX/XX/2023 This is a violation of the Fair Credit Reporting Act ( Section 1681 b ) and a serious breach of my privacy rights.

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 2021-09-30
Company: EQUIFAX, INC.
State: NJ
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:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-19
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am very concerned about the validity and accuracy of the recent investigation done by Experian. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Experian failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to XXXX me a loan because of this. 

XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX ) XXXX , XXXX  XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX TX ) XXXX and XXXX XXXX   ( Original Creditor : 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 2023-05-31
Company: EQUIFAX, 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 my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX Balance : {$870.00}, XXXX XXXX XXXX XXXX Balance XXXX {$0.00}, XXXX XXXX Balance : {$1500.00}, XXXX XXXX Balance : {$0.00}, XXXX  XXXX Balance : {$0.00}, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30
Company: Experian Information Solutions Inc.
State: OK
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:
This pertains to all 3 credit report agencies experian XXXX XXXX and XXXX. I have extremely important questions about the credit reports that they have sent to me as requested im yet and still waiting on XXXX XXXX after multiple weeks. I absolutely can not get anyone to help assist me on the matters. Either my phone will ring and immediately hang up or I will get someone for 3/4 mins and the call drops., or I can never get through to get anyone! This is constant and my results every single time! Either my phone and line is compromised or this. No help! I have incorrect information on my account unknown countless insurance companies and utility providers all around the world auto loans loan notes dhs on my report, home loans, mortgage loans, financial counseling services, installment loans, sociL service agencies credit grantor credit card services and credit insurance.all unknown and does not pertain to me! Misspelled name on account, business and numbers fraudulent activity improper use of my account and sharing of informative delinquent and paid full unknown accounts. Missing basically my entire report of information that should be listed 6 different name id 's.

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 2021-07-22
Company: WorldRemit Corp.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XX/XX/2021, I canceled a transaction With World Remit in the amount of {$740.00}. They refunded that amount but they took it again on the same day on XX/XX/2021. I called my bank in XXXX XXXX XXXX  to complain about it but did not take action on it so I called The World Remit where I canceled the transaction stating that they are going to conduct an investigation but I knew they or I got a feeling that they are not going to do it so I will forget after that. Please help me get my money back from World Remit. Thank you in advance XXXX XXXX XXXX, XXXX. 
XXXX cell

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02
Company: EQUIFAX, 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:
XX/XX/XXXX, received letter stating if full amount ( three months late ) wasnt due, they would report it to credit. Paid on XX/XX/XXXX, in full to make account current. XXXX turned in on XX/XX/XXXX. 

They blackmail people regularly, when I was overdue by one day an employee lied and said I would now have to be on auto payment, I signed up for the auto payment, and then it wasnt going through and I was only notified through the XXXX student loans website, no email until the threatening letter. Then once I followed through with the threat, they did it anyway.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Complaint Filing Claim for Legal and lawful remedy I am writing to file a complaint regarding inaccurate and misleading information on my credit report, in accordance with consumer protection regulations and the relevant provisions outlined in the Consumer Financial Protection Bureau ( CFPB ) rules and United States codes. 

I have obtained a copy of my credit report from your bureau, dated [ date of credit report ]. Upon careful review, I have identified multiple errors and discrepancies that are negatively impacting my creditworthiness. I request your immediate attention and assistance in rectifying the following issues : 1. [ reporting errors. ] 15 usc 1681s-2.

This error violates the Fair Credit Reporting Act ( FCRA ) Section 611 ( a ) ( 1 ) ( A ) that states that credit reporting agencies must conduct a reasonable investigation when a consumer disputes the accuracy of the information in their credit report.

2. [ reported incorrect information. ] This error also violates the FCRA and the CFPB Regulation V ( 12 CFR 1022.43 ), which requires accurate reporting and investigation of disputed information.

I demand the following actions to be taken promptly to rectify these errors and restore the accuracy of my credit report : 1. Conduct a thorough investigation into each disputed item and promptly correct or remove any inaccurate or unverifiable information from my credit report, as required by FCRA Section 611 ( a ) ( 1 ) ( A ).

2. Provide me with written notification of the results of the investigation, including any changes made to my credit report, within the statutory time frame of 30 days, as stipulated in FCRA Section 611 ( a ) ( 1 ) ( C ).

3. Cease the reporting of any disputed information to third parties while the investigation is ongoing, in compliance with FCRA Section 611 ( a ) ( 2 ).

4. Update my credit report to accurately reflect the changes made as a result of the investigation, as mandated by FCRA Section 611 ( a ) ( 2 ) ( B ).

Failure to comply with the aforementioned provisions of the FCRA and CFPB regulations may result in legal action and damages sought under FCRA Section 616 and Section 617.

I kindly request your prompt attention to this matter. Please provide me with a written response acknowledging the receipt of this complaint within 15 days from the date of this letter. You may reach me at the contact information provided above.

Thank you for your immediate attention to this matter. I look forward to a prompt resolution of these credit report discrepancies.

Sincerely

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
HELLO, I CHECKED MY CREDIT REPORT AND NOTICED UNAUTHORIZED FRAUDULENT INQUIRIES THAT I DID NOT GIVE CONSENT TO. I AM DEMANDING THESE INQUIRIES BE REMOVED WITHIN 4 DAYS AS THEY ARE FRAUDULENT. I AM A VICTIM OF IDENTITY THEFT. I REPORTED THE THEFT OF MY IDENTITY TO THE FEDERAL TRADE COMMISSION. PLEASE DELETE THE ITEMS 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 explanation
Consumer complaint received 2022-05-04
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 US BANKRUPTCY COURT XXXX XXXX ACCOUNT # XXXX & ACCOUNT # XXXX, have violated my rights. 

15 u.s.c 1681 section 602 a. states I have the right to privacy.

15 u.s.c 1681 section 604 a section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XX/XX/XXXX, received letter stating if full amount ( three months late ) wasnt due, they would report it to credit. Paid on XX/XX/XXXX, in full to make account current. Reporting turned in on XX/XX/XXXX. 

They blackmail people regularly, when I was overdue by one day an employee lied and said I would now have to be on auto payment, I signed up for the auto payment, and then it wasnt going through and I was only notified through the XXXX student loans website, no email until the threatening letter. Then once I followed through with the threat, they did it anyway.

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 2023-05-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2021-09-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
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:
This pertains to all 3 credit report agencies XXXX Trans union and XXXX. I have extremely important questions about the credit reports that they have sent to me as requested im yet and still waiting on Trans union after multiple weeks. I absolutely can not get anyone to help assist me on the matters. Either my phone will ring and immediately hang up or I will get someone for 3/4 mins and the call drops., or I can never get through to get anyone! This is constant and my results every single time! Either my phone and line is compromised or this. No help! I have incorrect information on my account unknown countless insurance companies and utility providers all around the world auto loans loan notes dhs on my report, home loans, mortgage loans, financial counseling services, installment loans, sociL service agencies credit grantor credit card services and credit insurance.all unknown and does not pertain to me! Misspelled name on account, business and numbers fraudulent activity improper use of my account and sharing of informative delinquent and paid full unknown accounts. Missing basically my entire report of information that should be listed 6 different name id 's.

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 2023-03-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 Bankruptcy case number XXXX XXXX XXXX Bankruptcy case number XXXX all of these companies have 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 Also states a consumer reporting agency can not furnish a account without my written instructions which i did not give. 

These reporting agencies have continued to defame my character, as well as with their continued identity theft since I have never given written authorizations to share any of my personal information, including bankruptcy to any third party entities. This reporting has caused grave harm not only to my character, by causing humiliation, stress, health issues, problems in my marriage, and paying higher interest rates for insurance, etc. According to to the XXXX District Bankruptcy Court of New York they do not report bankruptcies to any consumer reporting agencies and the information is only available in Pacer. So these unscrupulous consumer reporting agencies go digging for consumers private information just to sell for a profit off of our mis fortunes and hardships, just to keep us a slave to subprime higher interest lending tactics. When i call to have something resolved they act like they cant verify me, and YET they see the information on their end, and they continue to send documents to my home address. THIS IS UNACCEPTABLE XXXX XXXX  report submitted on XX/XX/23 case number XXXX DOES NOT HAVE A BANKUPTCY REPORTING. This company has admitted that they found this information on public records and i DID NOT give them permission to submit this information to the credit bureaus. They went digging through public records and allowing Transunion to add this to 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