BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-20
Company: Experian Information Solutions Inc.
State: CA
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:
This is my second 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 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 2023-11-15
Company: Experian Information Solutions Inc.
State: NY
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:
This is an additional request to dispute specific data in my credit file that does not belong to me or for which I have not signed any agreement. The products in question have nothing to do with any transactions I've carried out or approved in order to get goods, services, or money. Please remove the following items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXXXXXX XXXX XXXX XXXX XXXXXXXX, NY XXXX ; XXXX XXXX XXXX XXXXXXXX, NY XXXX ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$3900.00} ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX

Company response to consumer: In progress
Consumer complaint received 2023-11-06
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:
XXXX XXXX disputed inaccurate information on my behalf and submitted re-investigation results to XXXX, Equifax and XXXX. The credit bureaus did not correct the information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15
Company: NAVY FEDERAL CREDIT UNION
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 writing to dispute the inquiries on my consumer reports, inquiries conducted on my behalf without explicit permission. I did not authorize any such investigation, and i request immediate deletion and clarification on this matter.

Company response to consumer: In progress
Consumer complaint received 2023-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
After reviewing my credit report I noticed some inquiries that do not belong to me

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 2023-11-06
Company: EQUIFAX, INC.
State: NY
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:
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 ACCOUNTS 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 ACCOUNTS. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 XXXX, has violated my rights. 

XXXX # XXXX, has violated my rights. 

XXXX # XXXX, has violated my rights. 

XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

XXXX # XXXX, has violated my rights. 

XXXX # XXXX, has violated my rights. 

XXXX XXXX XXXXXXXX, has violated my rights. 

15 U.S.C1681 section 602 A States i have the right to privacy.

15 U.S.C 1681 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 2023-11-30
Company: EQUIFAX, INC.
State: PA
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 XXXX XXXX Currently have some fraudulent account and inquiries appearing on all three of my credit report. I have attached supporting documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-12
Company: Diversified Consultants, 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: Information belongs to someone else

Complaint:
I am reporting 2 incidents of identity theft that appear to be related.

1. Two unidentifiable addresses have been added to my personal information section of credit reports. I have lived in California for the last 30 years and have never lived at the addresses below ( nor owned any properties ). Someone opened XXXX accounts using my identity. 
a. XXXX XXXX XXXX, XXXX, IN XXXX b. XXXX XXXX XXXX XXXX, # XXXX, XXXX, IL XXXX XXXX. Diversified Consultants, a collection agency, has been attempting to collect money on behalf of XXXX for the addresses above. I received an alert from XXXX  ( an XXXX company ) on XX/XX/XXXX that the balance of {$970.00} has been reported by Diversified as Unpaid, and it might impact my credit history. The alert indicates that the XXXX account was opened XX/XX/XXXX and the original amount was {$1600.00}. 

I have just received a notification from my bank ( XXXX XXXX XXXX ) that my credit score has been lowered to XXXX ( was around 740 before ).

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Theyre removing good accounts XXXX and Transunion

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: EQUIFAX, 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:
my social security number was compromised. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint and contacted the police department and obtained a police report on XX/XX/2023. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and are a result of fraud that I did not authorize from XXXX XXXX, XXXX, and XXXX XXXX. Also, addresses and phone numbers are incorrect on my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-31
Company: Experian Information Solutions Inc.
State: MI
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 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 

XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$1600.00} ; XXXX XXXX Balance : {$87.00} ; STATE OF MI OFFICE CHI XXXX Balance : {$0.00} ; XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$170.00} ; 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 2023-11-06
Company: EQUIFAX, 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:
The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I received a copy of my credit report from your bureau on XX/XX/XXXX and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate credit report. 
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 2023-11-13
Company: NAVY FEDERAL CREDIT UNION
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On my credit reports its states that my first date of delinquent is XX/XX/XXXX, which is not true. 

I have made two payments since XX/XX/XXXX which were on XXXX {$310.00} and XX/XX/XXXX {$310.00}. Car sold account balance paid in full XX/XX/XXXX

Company response to consumer: In progress
Consumer complaint received 2023-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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: Was not notified of investigation status or results

Complaint:
i have sent in professional " METRO 2 COMPLIANCE '' letters to the bureaus to dispute negative/ incorrect accounts and inquiries on my credit profile and they have not sent me any updates nor updated any of accounts as " under dispute '' They are ignoring these letters and are refusing to accept my letters as a form of dispute. According to FCRA I have the right to mail in disputes. They are violating LAW

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 2023-10-25
Company: EQUIFAX, INC.
State: NH
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : 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 2023-10-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
I have a collection the i do not recognized. They reinserted on my credit report. I have write transunion multiple times and no solution.

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 2023-04-11
Company: Experian Information Solutions Inc.
State: GA
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:
Upon checking my reports I see multiple inquiries from the same companies on various dates and timelines. I was not aware nor did I authorize with oral agreement/ written signature any of the following companies to review my credit profile and send information to the bureaus : These inquires were never authorized by me and there appears to have been some sort of improper practice of procedures without permission. I need them to verify and provide proof for the validation of each inquiry. If none is given then I request that each inquiry with no proof of authorization be removed.This many inquiries ( some by the same companies again and again ) have put my profile in a terrible position. I need it rectified as soon as possible so that I can continue with improving my credit profile and quality of life. Here are the companies and dates of occurrences : Experian : The inquiry was not authorized XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX The inquiry was not authorized XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX The inquiry was not authorized XXXX XXXX Date of XXXX XXXX XX/XX/XXXX XXXX The inquiry was not authorized XXXXXXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX The inquiry was not authorized XXXX XXXXE Date of inquiry : XX/XX/XXXX The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX The inquiry was not authorized XXXX Date of inquiry XXXX XX/XX/XXXX The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX : The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX The inquiry was not authorized XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX The inquiry was not authorized XXXX XXXX XXXX Date XXXX XXXX XXXX XX/XX/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 2023-10-28
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I applied for an XXXX XXXX which advertised {$50.00} cashback after a {$200.00} purchase. I made a {$340.00} purchase soon after receiving my card and did not receive my {$50.00} cashback.

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 2023-10-11
Company: Avant Holding Company, Inc.
State: NJ
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 FCRA THIS CREDITOR HAS VIOLATED MY RIGHTS. UNDER 15 USC 1681 SECTION 602 STATES I HAVE THE RIGHT TO PRIVACY. 15 USC 1681 SECTION 604 A SECTION 2 ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

UNDER 15 USC 1666 B A CREDITOR CAN NOT TREAT A PAYMENT ON A CREDIT CARD ACCOUNT UNDER AN OPEN & CONSUMER CREDIT PLAN AS LATE FOR ANY REASON.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 confidentially under 15 USC 1681. 

In accordance with the Fair Credit act XXXX Account # XXXX, has violated my rights. 

15 U.S.C section 602 A. States I have the right to privacy.

15 U.S.C Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without 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 2023-11-30
Company: NAVY FEDERAL CREDIT UNION
State: NC
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:
On my credit reports its states that my first date of delinquent is XX/XX/XXXX, which is not true. I have made XXXX payments since XX/XX/XXXX which were on XXXX {$310.00} and XX/XX/XXXX {$310.00}. XXXX sold account balance paid in full XX/XX/XXXX

Company response to consumer: In progress
Consumer complaint received 2023-11-15
Company: Experian Information Solutions Inc.
State: OH
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 have violated my federally protected consumer rights to privacy and confidentiality under 15 usc 1681 section 602 A. States I have the right to privacy.

15 usc 1681 section 604A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions 15 usc 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 7 years.

15 usc 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. 

XXXXXXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX  Account # XXXX XXXX XXXX  Account # XXXX XXXX Account # XXXX They have violated my rights

Company response to consumer: In progress
Consumer complaint received 2023-11-20
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This company continues violate my consumer rights by reporting inaccurate information on my credit file with this account. I have proof in the images below. This account continues to report like its open an has a balance but this account has not be active since 2018 which it a violation.

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 2019-06-10
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, THOSE ACCOUNTS WERE INACCURATELY PLACED ON MY CREDIT. PLEASE CONDUCT AN INVESTIGATION FOR THOSE DEROGATORY MARKS FOR THEY HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT.

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 2023-11-16
Company: NAVY FEDERAL CREDIT UNION
State: VA
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 existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation