BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-28
Company: EQUIFAX, INC.
State: IL
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 XX/XX/XXXX, I wrote to you requesting an investigation into items that I believed were fraud, inaccurate, and falsely reporting. To this date only response that I have received was computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. 
I further remind you that, as in White v. XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX - XXXX XXXX  ( XXXX California XXXXXXXX  ) ; you may be liable for violating the Fair Credit Reporting Act ( FCRA ) by recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of discharged accounts.

I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS provide proof of alleged items. I request to be provided with specifically the original application, contract, note, or another instrument bearing my signature. 
In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT XXXXOLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt.

I request this under 15 U.S. Code 1692g - Validation of debts. If information is not provided or the false reporting isnt removed ; as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( C.D.Cal. XXXX. 
XXXXXXXX XXXX ), you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-28
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:
I trust this letter finds you well. I am writing to formally address concerns regarding my consumer credit report. My name is XXXX XXXX XXXX, and after recently obtaining a copy of my credit report, I discovered discrepancies that warrant your immediate attention.

It has come to my notice that my credit report contains inaccuracies, specifically in relation to late payments associated with finance charges. As per the United States Code, Title 15, Section 1605, the computation of a finance charge for any consumer credit transaction should encompass all charges imposed directly or indirectly by the creditor. Notably, fees and amounts imposed by third-party closing agents are excluded from the definition of a finance charge unless required or retained by the creditor.

Upon thorough review, it is evident that late payments have been erroneously reported despite the presence of a finance charge. I draw your attention to the relevant sections of the United States Code, particularly 15 U.S. Code 1605 ( a ), which clearly delineates the criteria for the inclusion and exclusion of charges in the finance charge calculation.

I hereby request the expeditious removal of all late payments associated with a finance charge from my consumer report in accordance with 15 U.S. Code 1605 ( a ). As a consumer, I am entitled to accurate and equitable reporting of my credit history, and any infringement upon this right will be addressed seriously.

I want to emphasize that, pursuant to the law, these accounts must be promptly updated to reflect " paid as agreed. '' Failure to rectify this matter immediately may compel me to pursue monetary damages for the violation of my rights under 15 U.S. Code 1605 ( a ). I am prepared to initiate legal action in small claims court in my city and state under 15 U.S. Code 1681n civil liability.

Furthermore, I have already lodged a complaint through various channels, including the Consumer Financial Protection Bureau, State Attorney Generals Office, Better Business Bureau, and Federal Trade Commission. I anticipate a thorough investigation into this matter. 

For your reference, the specific details in dispute on my credit report are as follows : XXXX XXXX XXXX Account Number - XXXX I kindly request your prompt attention to this matter and anticipate a swift resolution. Please furnish written confirmation of the corrections made to my credit report.

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-29
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 information was marketed and sold to unknown individuals or entities during Equifax data breach. I was in confinement in jail from XXXX XXXX  to XXXX XXXX. I have not applied for anything but 1 card since my release and there are several cards and items reporting on my credit.Several items on my credit report were fraudulently obtained by another person and I am attaching proof that Equifax acknowledges that I was a victim of their data breach. I have disputed items several times and Equifax has done nothing to help me. Please assist in deleting these negatives, inquiries and illegal items from my credit report please. I will attach the proof that Equifax has admitted that I was a victim of this data breach bye allowing me to submit a claim during there recent lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29
Company: EQUIFAX, INC.
State: GA
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29
Company: EQUIFAX, INC.
State: NJ
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 checked my credit report and found that some of the data were incorrect. The XXXX credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-28
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: Information belongs to someone else

Complaint:
Reporting unauthorized accounts.

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 2023-11-28
Company: EQUIFAX, INC.
State: LA
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've obtained a copy of my consumer credit report from the major three credit bureaus check the information within making sure the it was accurate according to USC titie 15 1681 ( 5 ). 
I've waited 30 days to receive the investigation results which everything was still reporting the exact same as the previous month. The credit reporting agencies Equifax. 
XXXX, and XXXX did not complete and modify or remove anything items on my credit report. 
The primary information being reported are not correct such as the open date, date last active, date of payment history. 
These are all violations of the Fair Credit reporting Act, which is harming me from obtaining funding to start a business and buy a house for my family. 


I've attached all of the previous dispute letters to show no action was taken upon the credit bureaus on my behalf.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-28
Company: EQUIFAX, INC.
State: OH
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:
For any account that is alleged to be derogatory, I would like evidence showing why the credit bureaus and the company that provided the data to the bureaus consider the financial status of the liability under the law that the Fair Debt Collection Practice Act. Section 1692 ( g ) : Under the Law, FDCPA, Section 1692 ( g ) allows for a violation of both FRCA AND FDCPA. It appears that it can not be determined in irrefutable fact ( as required ) that everyone and all the ACCOUNTS in question were or were not handled properly when they were transferred. I am enacting both my consumer rights lawfully to COMPEL YOU IN WRIT DEMAND to demonstrate all facts and further to equivalently provide me with written documentation of the deletion of this erroneous information for every one of the unproven or else otherwise not lawfully compliant reporting of accounts, which obviously are in question. Consumer Financial Protection offices ( regarding this unforgivable and extremely injurious error in your clear misreporting of illegal misinformation ) I requested the following account be put in disputed status and the never were. XXXX XXXX XXXX # XXXXXXXX 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 non-monetary relief
Consumer complaint received 2023-11-28
Company: EQUIFAX, INC.
State: NC
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:
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 Account XXXX Account Name : XXXX  Account XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-28
Company: EQUIFAX, INC.
State: NY
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 XXXX of 2023, a complaint with CFPB was filed. Equifax " verified '' accounts but not much changed. Eight months later, the same thing is happening again.

As per 15 USC 1681 604 Section 4, a consumer reporting " agency '' is not allowed to provide a report without obtaining my written consent ; I gave NO consent to Equifax to provide ANY information on the report.

15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may make a consumer report furnishing the following items : any adverse item of information, other than convictions of crimes which antedates the report by seven years ; The attached files show Equifax in direct violation of that code.

As per 15 U.S. Code 1681n. - Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; Furthermore, the attached file shows multiple negative furnishings that were not consented to by the owner.

These are two errors on one file report, 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 reason to believe that information is inaccurate. 

XXXX continuously furnishes and updates reports without following FCRA guidelines and is in direct violation of the Consumer Credit Protection Act and civil laws. These reports are slanderous and damaging in nature.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28
Company: EQUIFAX, INC.
State: KS
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

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

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-28
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-28
Company: EQUIFAX, INC.
State: TX
Product: Credit card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
Subject : Urgent Report Regarding Fraudulent Activity and Identity Theft Dear [ Consumer Protection Bureau ], I hope this message finds you well. I am writing to report a case of identity theft and fraudulent activity involving XXXX XXXX XXXX XXXX credit. I have diligently tried to resolve this matter directly with the involved parties, but unfortunately, my efforts have been met with significant challenges. 
Here is a detailed account of the situation : Fraudulent Account Creation : I never applied for a credit card with account number XXXX from XXXX XXXX XXXX XXXX. However, an account was created without my consent, and XXXX XXXX reports it as if it belongs to me. 
Employment Related Issue : I was an employee at XXXX XXXX XXXX in XXXX XXXX ( XXXX XXXX XXXX, XXXX, TX XXXX ). During my employment, the managers, including the general XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX, and XXXX XXXX XXXX, misled me into applying for a credit card, which resulted in the unauthorized creation of the account. 
Unauthorized Credit Card Issuance : After applying for a XXXX, XXXX XXXX issued me a store credit card without my permission, claiming it is an automatic approval if the XXXX application is denied. This practice seemed irregular, and when questioned, the general XXXX dismissed my concerns. 
Stolen Car Incident : Following my resignation, my car was stolen out of XXXX XXXX XXXX employees private parking lot by XXXX XXXX, owner of XXXX XXXX XXXX XXXX XXXX And XXXX address : XXXX XXXX XXXX XXXX  Tx XXXX where I found my car at and hes ID N : 1XXXX who I believe may have ties to the mentioned managers due to the circumstances surrounding my departure. 
Police Report and Lack of Resolution : I reported the car theft to HPD ( XXXX Police Department ) with report number XXXX, but there has been no resolution. Despite providing all necessary documentation, the case seems to be in limbo. 
Unresolved Credit Issue : XXXX XXXX 's investigation into the fraudulent account has yielded no results, and they continue to insist that the account belongs to me. 
I have exhausted all available avenues to resolve these issues, and I am now seeking assistance from the Consumer Protection Bureau to investigate and intervene in this matter. I have retained all relevant documentation, including screenshots and records of conversations with the XXXX XXXX XXXX managers. 
Your prompt attention and assistance in this matter would be greatly appreciated. 
Sincerely, XXXX XXXX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-28
Company: EQUIFAX, INC.
State: IL
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 filed bankruptcy on XX/XX/XXXX and the bankruptcy was discharged on XX/XX/XXXX. In that bankruptcy This XXXX XXXX account XXXX was included in a judgment of discharge on XX/XX/XXXX. There are no monies owed under this account and shows as a charge off and closed until I submitted a dispute with all 3 credit bureaus. Now it appears on my credit as money owed which is invalid. No monies are owed. As of XX/XX/XXXX, I mistakenly signed an agreement stating repayment on a card that I was not aware at the time of signing that it was the same card that was part of a past bankruptcy filed and discharged. I did not do the proper investigation or research before signing the agreement. Additionally I didn't know that legally a company can attempt to collect money after a bankruptcy has been discharged which is the reason why I assumed this was a valid debt before doing a thorough investigation myself. Upon pulling my credit in XXXX, XXXX, I found that this account was discharge and appearing at a XXXX balance. My reasons for filing the dispute even though my credit showed no balance owed was because I was making monthly payments on a debt that was charged off and wanted to be relieved of that agreement. I asked XXXXXXXX XXXX XXXXXXXX XXXX XXXX to have the agreement I signed dissolved and void due to my investigation. I have since contacted both XXXX XXXXXXXX and XXXX XXXX XXXXXXXX XXXX Firm disputing this amount I'm being sued for. I have provided all documents to support my bankruptcy filing and advised that the contract to be terminated. I have not received any callbacks from either XXXX XXXX or XXXXXXXX XXXX XXXXXXXX regarding this dispute. I'm asking to have this amount removed from my Credit and show no balances owed as it did initially before submitting a dispute with all 3 credit bureaus without any notes to be added to the closed account and charged off. I'm also asking to have all agreements dissolved.

Company response to consumer: Closed with explanation