BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-30
Company: EQUIFAX, INC.
State: CO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Subject : Dispute and Resolution Request Incorrect Reporting by Credit Reporting Agencies for XXXX XXXX : STUDENT LOAN ACCOUNT NUMBER XXXX To Whom It May Concern, I am writing to formally file a dispute and resolution request regarding inaccurate reporting by credit reporting agencies, specifically related to a debt cancellation event supported by a XXXX Form. This dispute centers around an account for which I have received a XXXX Form for the cancellation of debt from the bank that identifies itself as the loan servicer. However, the outstanding balance on this account has not been correctly reported as zeroed out, despite the debt discharge. 

Account Information : Company : XXXX XXXX Account Holder Name : XXXX XXXX Account Number : STUDENT LOAN ACCOUNT NUMBER XXXX Date of XXXX Form : XX/XX/2023 The issuance of the XXXX Form by the bank that claims to be the loan servicer signifies the cancellation of the debt associated with the aforementioned account. However, credit reporting agencies have not accurately reflected this significant event in their reporting. I believe that these agencies need to demonstrate a good faith effort to display the zeroed-out balance as the debt has been duly discharged. 

Enclosed with this complaint is a photocopy of the XXXX Form for your reference. It provides clear evidence of the cancellation of debt associated with the account in question. Therefore, I respectfully request that the CFPB intervene to facilitate the following resolution : Resolution Request : 1. Immediate Removal or Correction of Reporting : Credit reporting agencies must promptly remove or correct the reporting of the account in question to accurately reflect a XXXX balance, consistent with the debt discharge as indicated on the XXXX XXXX. 

2. Cease Negative Reporting : Credit reporting agencies should cease any negative reporting associated with the discharged debt, including but not limited to late payments, defaults, or other derogatory remarks related to this account.

3. Confirmation of Corrected Reporting : Credit reporting agencies must provide written confirmation to me within 30 days of receiving this dispute and resolution request, affirming that the account has been accurately reported with a XXXX balance and that negative reporting has ceased. 

I firmly believe that this dispute and resolution request will lead to a fair and accurate resolution of this matter. I kindly request that the CFPB investigate this issue and ensure that the credit reporting agencies comply with the applicable regulations and guidelines governing accurate and fair credit reporting. 

Thank you for your attention to this matter, and I look forward to a swift and accurate resolution. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. This account must be investigated/updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not fix this accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12
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:
On my Experian credit report it is showing a delinquent 30 days late payment for my XXXX with account # XXXX however the account wasn't even opened or delinquent for the month of XXXX in 2021. On my XXXX and XXXX credit reports there is no delinquency for that month or date or any 30 day late payment. I am about to go for a mortgage loan and this delinquency that Experian is deliberately reporting is ruining my credit with this inaccurate information in which I would like this fixed as the payment was on time and the account wasn't even opened then.

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 2019-05-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I have had numerous accounts still reporting inaccurate and unverified accounts on my credit report. XXXX XXXX, XXXX XXXX XXXX XXXX, transunion, XXXX, and XXXX is reporting a account from XXXX XXXX XXXX XXXX, they keep reaging it and I never had that account opened with XXXX and I am confused on why I am being held responsible for the account. If all of the creditor 's are reporting to the same bureaus, why is the information inaccurate and their reporting different information and it is affecting my credit file and score and I am being held accountable for fraud committed against me. I want proof and I want these negative and inaccurate accounts to be removed because I haven't seen proof of me opening them and they are negatively affecting me and that is against the law. I filed a police 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 explanation
Consumer complaint received 2023-07-07
Company: EQUIFAX, 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 hope this message finds you well. I am reaching out regarding an issue with a collection from XXXX that is currently reported on my credit report. 

Despite several attempts to resolve the matter, XXXX has not been able to provide definitive proof that the debt is mine, such as a notarized contract or other binding documentation. Without this concrete evidence, it is unreasonable for this collection to continue to be reported on my credit report. 

According to the Fair Credit Reporting Act, all information on a credit report must be 100 % accurate. Given the current circumstances, it is evident that the validity of this debt is in question, making its presence on my credit report potentially inaccurate. They keep reporting that it is within FCRA requirements but this isnt true, my report isnt 100 % accurate. This collection should only be reported once and not every month as well which proves this isnt 100 % accurate. 

In light of this, I am kindly requesting your assistance to remove this XXXX collection from my credit report until such time as they can provide proper evidence of my obligation to the debt. 

Thank you for your immediate attention to this matter. 

Best regards, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-17
Company: EQUIFAX, 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:
This is my fourth letter submitted to you informing you that I am a victim of identity theft and I complain to question certain records in my file coming about because of some inattention. The data I am questioning connect with no exchanges receiving any possession of goods, services, or money that I have made or approved. Assuming no one cares either way, block the noteworthy of any information in my credit file that surfaced due to alleged fraud. 
XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$3600.00} ; XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX Balance : {$100.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXXXXXX Balance : {$100.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$97.00} ; XXXX  XXXX Balance : {$53.00} ; XXXX  XXXX Balance : {$76.00} ; XXXX  XXXX Balance : {$71.00} ; XXXX  XXXX Balance : {$63.00} ; XXXX XXXX XXXX  ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$100.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$91.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
My position is legal based upon sections of the Fair Credit Reporting Act as well as the Fair Debt Collection Practices Act. These laws are to make sure that a level and fair playing field exist to protect American consumers from abusive reporting procedures on credit reports, as well as illegal and deceptive collection practices. I stipulate at this time that there are no references to you making an identity theft claim or accusation, so I demand that policy be adhered to by all creditors and respective credit reporting agencies. Under the GLBA, financial institutions must deliver notices to customers regarding the collection and information sharing policies; providing customers with the choice to opt-out if they do not want their information shared with nonaffiliated third parties. See, 15 U.S.C. 6802 ( b ) In reference to the account with XXXX XXXX XXXX, I have never had any knowledge of, or signed any agreement with the aforementioned company. I was never provided with the option to opt out of the furnishing of my private information to Credit Bureaus and I did not under any circumstance, subscribe or agree to the sharing of my information & I have incurred damages due to the tarnishing of my Financial Reputation without my permission. On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01
Company: Experian Information Solutions Inc.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft. A fraudulent account was opened with my information that I did not authorized. 

The account open was from XXXX credit. 
XXXX credit is a platform that allows any one to apply for credit online. My personal information was stolen and used to open this fraudulent account which even hurt my credit drastically. 

This fraudulent unauthorized account was reported to all XXXX bureaus and I manage to get it deleted out of XXXX, so how is Experian verify this information? 

I would like this account to be immediately DELETED from my credit reports.

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 2023-10-12
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX ( XXXX ) Account # 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 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 2022-04-16
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: Account information incorrect

Complaint:
XXXX XXXX XXXX # XXXX dated opened have different dates on XXXX and experian XXXX opened date XX/XX/XXXX experian opened date is XX/XX/XXXX high credit is different from XXXX then experian XXXX high credit is {$6500.00} experian high credit is {$0.00} date of last active is different from XXXX then experian XXXX last active date is XX/XX/XXXX experian last active date is XX/XX/XXXX please delete this account for multiply inaccuracies.

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 2023-01-28
Company: Franklin Collection Service, 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: Account status incorrect

Complaint:
The validity of this account is in dispute and this is not an acceptance or ratification of the claimed debt. I have received no verification of this debt. The federal debt collection practices act gives me the right to demand full verification of this debt. If I do not receive verification of this debt within XXXX  days I ask that this inaccurate debt be removed from all my credit bureaus immediately. To my knowledge there is no outstanding balance at all with the alleged parties and XXXX and if there is I am requesting proof from the original credit with my signature of this debt in the original amount of {$290.00} in the aforementioned date of XX/XX/2022 and if any of this information is proven to be inaccurate I am requesting immediate removal of the inaccurate data from my credit reports. Lastly, if this is valid debt I would like the original contract of the debt, the creditors contact info, and proof that this agency now owns the alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
THIS INFORMATION REPORTING IS UNKNOWN I HAVE NEVER DONE BUSINESS WITH THESE COMPANIES YET THEY ARE ON MY CREDIT REPORT FROM XXXX XXXX EACH COMPANY REFUSED TO RELEASE MY CREDIT REPORT. THEN I HAVE MEDICAL BILLS ON MY REPORT AS WELL MY BANKRUPTCY STILL SHOWS AFTER I HAVE REQUESTED TO REMOVE IT AND ACCOUNTS LIKE XXXX XXXX KEEP REAPPEARING AFTER THEY WHERE INCLUDED IN THE BANKRUPTCY. THESE OTHER ACCOUNTS LISTED BELOW ARE UNKNOWN TO ME XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX IS CHARGED OFF AND SOLD 3RD PARTY AND IT WAS IN MY BANKRUPTCY TOO MERCHANT XXXX XXXX XXXX XXXX XXXX I REQUEST THAT MY BANKRUPTCY 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 explanation
Consumer complaint received 2023-09-29
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
In the past, I was a victim of identity theft, and I had no trouble requesting the removal of certain information requirements from my credit score. However, I have once again sought assistance, but XXXX is refusing to provide support in a straightforward and efficient manner, causing me personal harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-16
Company: TD BANK US HOLDING COMPANY
State: DE
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/2023, I had received a call from TD Bank using their phone number. I was told that there was fraud on my account and that I had to authorize a certain amount of money so that they could put it back into my account. I was asked to give my social security number, but no login information, which means that they were already in my account but needed a way to get the money out. I was told not to check my account for 2 days so that they could work through the situation, but I found out the put all of my money from my savings into my checkings and sent it in 4 payments using XXXX XXXX XXXX. They sent themselves {$1400.00}, another payment of {$2100.00}, another payment of {$2400.00}, and a last payment of {$2400.00}. I called the fraud department of my bank and they put in a dispute claim but it was unsuccessful due to the fact that I was tricked into authorizing the first payment. I am unsure where to go from here or if I can even get the money back since they tricked me into authorizing something, but {$8400.00} was my entire savings from my first year working at my career job and isnt something I am willing to give up without atleast trying different ways to get the money back. I am willing to talk to whoever I need to, to try and help me work through this because it has been a stressful month for me. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm submitting this complaint in response to a notification on my credit report. The files reported are inaccurate and erroneous and are leading to a negative impact on my credit file. I am including proof with this letter and the following information on the credit report is incorrect. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-28
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

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

Account name : XXXX  XXXX XXXX # XXXX Account name : XXXX XXXX XXXX XXXX XXXX, Account name : # XXXX, Account name : # 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 response to consumer: Closed with explanation
Consumer complaint received 2023-07-08
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:
I sent a letter to the 3 Credit Bureaus requesting to reinvestigate the disputed Account from my credit report as well as update the Account from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX XXXX XXXX : {$30000.00}.

Company response to consumer: Closed with explanation