BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I AM A VICTIM OF IDENTITY THEFT NOT ONCE, NOT TWICE, BUT THREE INSTANCES THAT I KNOW OF. ONE OF WHICH WAS OR IS BEING DONE BY A RELATIVE. SINCE I AM SELF EMPLOYED, AND CONSTANTLY WORK AWAY FROM HOME, UNBEKNOWST TO ME, THESE SAID THIEVES HAVE HAD LIMITED ACCESS TO MY MAILBOX. I HAVE FILED THREE POLICE REPORTS, IN AS MANY STATES, OUTLINING THE EXTENT OF THE THEFT OF MY IDENTITY. I PROVIDED DOCUMENTATION VERIFYING THAT THE SAID THIEVES HAVE AN OLD COPY OF A SOUTH CAROLINA '' S DRIVERS LICENSE THAT IS NO LONGER VALID BUT HAS NOT EXPIRED. I HAVE CONTACTED XXXX, TRANSUNION, XXXX CONCERNING INQUIRIES THAT ARE NOT MINE. I ASKED THAT THEY REMOVE THEM. THEY TOLD ME TO CONTACT THE CREDITOR. WHEN I CONTACTED THE CREDITOR, I WAS TOLD THAT THEY CAN NOT REMOVE ANY INQUIRIES. SO AT THIS POINT THE BUREAUS ARE GIVING ME THE RUNAROUND. I ALSO ASKED THEM TO REMOVE OUTDATED ADDRESSES THAT WERE BEIBG USED FOR FRAUD. TO THIS DATE THEY HAVE NOT. 

THESE ARE THE INQUIRIES IN QUESTION : XXXX XXXXXXXX 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 THE ADDRESSES THAT NEED TO BE REMOVED : XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX, XXXX GA XXXX THE XXXX LOANS ON MY CREDIT REPORTS HAVE BEEN CONSOLIDATED BUT HAVE YETTO REFLECT THAT DESPITE BEINH DONE SO MORE THAN 30 DAYS AGO. WHY ARE THEY CLASSIFIED AS INSTALLMENT LOANS? THIS CLASSIFICATION MAKES IT IMPOSSIBLE FOR ME TO QUALIFY FOR A MORTGAGE BECAUSE OF HOW THEY ARE BEING REPORTED. LENDERS SEE IT AS IF I HAVE A XXXX LOAN AND HAVE NOT MADE ANY PAYMENTS ON THAT LOAN.

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 2015-10-06
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Can someone please address the below ongoing issue? I still have n't received a response on the OVERDUE PAYMENTS that keep appearing on my statements. 




1. Why do I have an overdue payment amount of {$59.00} reflecting on my XXXX XXXX, 2015 and XXXX XXXX statements? I am still not clear on how I can have an overdue payment when payments have been coming from Keep Your Home California under Hardest Hit Program. These Overdue Payments have appeared monthly on my statements under Explanation of Amount Due since I have been on the Hardest Hit Program. Please advise why and what these are for?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20
Company: Westlake Services, LLC
State: CT
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
I purchased a vehicle and the dealership set me up with an account at Westlake Financial. I then went to their website to create an online profile and set up AutoPay. I didn't realize at the time, but when I set up autopay it had set it up for the second month rather than the first. The dealership wound up calling me to ask about the first months payment because the bank called to notify that it hadn't been received. I then looked online and realized and made the payment immediately. After making the payment the dealership asked for confirmation, so I sent the statement from the bank confirming the payment had been made. 

Westlake Financial accepted my first payment and then proceeded to sell my loan back to the dealership without ever notifying me or contacting me. The dealership then repossessed the vehicle, so not only was I out the car, but also the first payment that was made. 

I contacted Westlake Financial many times and asked to speak to a manager, etc and was never able to get the call escalated to anyone other than the initial representative who told me that Westlake has a buyback program with the dealership, but also wouldn't share the details of that program with me. No where in the contract I have with Westlake does it mention this. The only thing it mentions is a late fee for missed payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27
Company: Receivables Management Partners, LLC
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I keep receiving calls each week from XXXX XXXX XXXX XXXX stating " This is a call from a debt collector '' and asking me to call them back at a different number than called from. I do not have any debts to my knowledge. When I called back on XX/XX/23, they told me I had a debt from a doctor who I have never heard of, and that I do not know what they are talking about. They stated that they would send me something in the mail, at maximum 14 business days, and I have not received anything in the mail from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20
Company: Synovus Bank
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
First Digital accepted my payment on XX/XX/2023 and now the account is closed. I called the XXXX number but customer service could not provide me any valid reasons. 
By closing these credit cards it has caused harm to my credit report. 
This is a great concern because how many other people have this very thing happened to them? This is clearly bad business practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
On XX/XX/XXXX I reported unauthorized charges on my bank account ending in XXXX. I reported XXXX charges that were not authorized. On XX/XX/XXXX XXXX separate charges were made in the amounts of {$56.00}, {$110.00}, and {$24.00}. During this time my husband was rushed to the emergency room via ambulance. We lost possession of our devices and his wallet for hours until after his emergency XXXX. 

As of today, we have received XXXX separate notices indicated that no action will be taken on the disputed unauthorized charges. This was not verbally discussed with us and is a violation of our rights under the Fair Credit Billing Act ( FCBA ) - a 1974 federal law enacted to protect consumers from unfair credit billing practices. Proper research will prove that those purchases were not authorized. 

We are requesting full details such as a detailed receipt of how the payments were made, identifying merchant information and services provided. The transactions disputed, claim numbers are XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15
Company: Navient Solutions, LLC.
State: NJ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I owed a student loan debt which was initially owned by XXXX XXXX but was sold to Navient. I filed for XXXX XXXXXXXX Bankruptcy in XX/XX/XXXX for other reasons. Navient was included in the XXXX XXXXXXXX plan with me owing a total with principal and interest in the amount of {$27000.00}. The total balance was paid off through a XXXX XXXXXXXX Bankruptcy which was successfully XXXX in XX/XX/XXXX. Navient XXXX XXXX XXXX XXXX is now alleging I owe {$6100.00} after the bankruptcy has been completed because a Navient Representative indicated that portion of the loan was forgotten to be included when I filed for bankruptcy in XX/XX/XXXX. Also, amid the bankruptcy in late XXXX Navient transferred/sold the loan to XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). In addition, I asked Navient for the validation of debt and a copy of the original documents with my signature because Navient has alleged a loan disbursement was given to me in XX/XX/XXXX. I last attended graduate school and graduated in XX/XX/XXXX. I have not attended any other college or school since XX/XX/XXXX. To date, I have not received a copy of the documents. Furthermore, it is Navient 's error if they have forgotten to include this debt with my bankruptcy filing and I should not be liable for this alleged debt. Also, I keep receiving conflicting information about the loan when contacting Navient. 

I had started paying from XX/XX/XXXX - XX/XX/XXXX because I did not want this to affect my credit score while trying to resolve this matter as I had successfully emerged from bankruptcy. I ceased paying because this was unfair and totally a violation of the law and my rights. As you are aware there is a pause on the student loans and it had been extended on XX/XX/XXXX by President Joseph R. Biden through XX/XX/XXXX, but on XX/XX/XXXX Navient report me as 90 days late to the three major credit bureaus. There have been constant harassing calls, text messages and emails. This has caused pain, stress, anxiety and sleepless nights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03
Company: EQUIFAX, 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:
In the midst of the pandemic in XXXX, my husband ( who has submitted a duplicate CFPB complaint ) and I returned our XXXX lease vehicle exactly as agreed in early XX/XX/XXXX, one day before we temporarily moved overseas. All our monthly lease payments were completed without a missed payment. We advised XXXX XXXX by phone that we wished to receive the final bill by email which we understood contained an administrative vehicle return fee over and above all lease payments which we had fully paid on time with no delinquency. We explained that we would be overseas and there would be delays in receiving any paper mail while we were overseas. We did not receive the requested email with the final bill. Shortly after we returned to the USA in late XXXX, we found in mail delivered by a neighbor a final bill and a debt collection notice with the unpaid amount. We paid the bill by check in early XXXX ( documents attached - imaged check, bank statement, mailed envelope ). The check was cashed as noted in our bank statement but we did not receive a notice from XXXX XXXX. We subsequently received our backlog mail at our local post office ( collection was delayed because of pandemic-related safety issues ) and also received a home delivery of previous mail many weeks after it was sent ( which many other folks we know also experienced with USPS in late XXXX/early XXXX for reasons unclear to us ). We found in our accumulated and delayed mail backlog a debt collection notice with additional late fees claimed beyond the final amount due which we had paid by check as mentioned previously. To our shock, what was being billed was about twice the original amount we had already paid and with no previous warning of any kind. In any case, we assumed this collection letter we received belatedly would be superseded by a payment acknowledgment of the original amount due after the check for the same was sent and cashed by XXXX XXXX in XX/XX/XXXX per attached documents. 

We have also just this weekend end XX/XX/XXXX discovered an adverse reference to this matter in our credit report. We believe that our good faith in seeking to fully pay our debt is not properly reflected as our credit report currently stands. We have asked XXXX XXXX XXXX XXXX to urgently resolve this matter by acknowledging our final payment and also removing the adverse credit report entry. We add that we have not any non-payment of any of our debts in the past except for very few minor delays in very few payments and which were due to overseas travel. In fact, all our bank and revolving credits have an exceptional standing. All payments on all our accounts are up to date. The above was a truly exceptional situation which occurred under pandemic circumstances.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25
Company: Experian Information Solutions Inc.
State: IA
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 AM A FEDERALLY PROTECTED CONSUMER WITH FEDERAL PROTECTION RIGHTS. THIS IS THE 4TH TIME MAKING A COMPLAINT AGAINST EXPERIAN. EXPERIAN REPORTING IS IN VIOLATIONS OF THE FCRA. THE FEDERAL CONSUMER REPORTING ACT ( FCRA ) HAS CONSUMER PROTECTION LAWS THAT WERE CREATED TO PROTECT ME. BY ALLOWING THESE ITEMS TO BE REPORTING ON MY CONSUMER REPORT EXPERIAN IS DAMAGING AND RUINING MY ATTEMPTS TO OBTAIN A HOME LOAN. THE FCRA GUARANTEES THAT I AM TO HAVE A SUITABLE, ACCURATE, TO ME CONSUMER REPORT. IM LISTING THE FCRA LAWS EXPERIAN IS BEING ALLOWED TO BREAK AGAINST ME. 15 USC 1681s2 ( B ), 15 USC 1666B, FTC GRAMM LEECH BLILEY ACT and 15 USC 1681B ( 2 ). EXPERIAN NEEDS TO COMPLY BY DELETING THESE ITEMS BEING REPORTED ON MY CONSUMER REPORT. REMOVE THE OLD ADDRESS XXXX XXXX XXXX XXXX XXXX AZ XXXX. XXXX XXXX XXXX XXXX XXXX ACCT # XXXX IS REPORTING ( TWICE ) ON MY CONSUMER REPORT WHICH IS OBVIOUSLY INCORRECT DELETE THESE DUPLICATE ACCOUNTS. BASED ON IRS REGULATIONS 26 CFR 1.6050P-I ON CHARGE OFFS THESE ACCOUNTS LIST ARE CHARGED OFF ACCOUNTS AND CONSIDERED GROSS INCOME AND SINCE INCOME SHOULD NOT BE REPORTED ON A CONSUMER REPORT DELETE THESE ACCOUNTS THEY ARE INCORRECTLY BEING FACTORED IN MY REVOLING CREDIT USAGE HURTING MY XXXX SCORE WHICH IS FALSE MISLEADING AND DAMAGING. DELETE XXXX XXXX ACCT # XXXX, XXXX  XXXX ACCT # XXXX, XXXX XXXX XXXX ACCT # XXXX, XXXX XXXX XXXX XXXX ACCT # XXXX, XXXX XXXX XXXX XXXX ACCT # XXXX, XXXX ACCT XXXX XXXX, XXXX ACCT # XXXX XXXX DELETE THESE CHARGED OFF ACCOUNTS BASED ON THESE FURNISHERS RECIEVED TAX WRITE OFFS 1099 IRS FORMS FOR TAXABLE GROSS INCOME ON THERE ACCOUNTING BOOKS THEREFORE ITS CLEARED BALANCE XXXX AND THESE FURNISHERS RECIEVED DEFAULT INSURANCE PAYMENTS AND TO KEEP INCORRECTLY REPORTING YTHIS SHOWS THERE ATTEMPTING TO " GET DOUBLE ENRICHMENT PAYMENTS " WHICH IS UNLAWFUL. I have ASKED FOR RE-INVESTIGATIONS OF ALL these issues ( 3 ) times prior and have THESE CFPB DISPUTES ON RECORD AS " verified " but AFTER SHOWING THE FCRA LAWS BEING VIOLATEDAND NOT COMPLIED ACCRDING TO THE FCRA HOW CAN EXPERIAN KEEP BEING ALLOWED TO REPORT THIS? FCRA CONSUMER LAWS I LISTED ARE ALL GROUNDS FOR DELETIONS FROM MY CONSUMER REPORT. BECAUSE EXPERIAN WILL NOT COMPLY TO THESE FCRA CONSUMER REPORTING LAWS. I NEED THE CFPB TO STEP IN POLICE, AND ENFORCE, SUPERVISE AND HOLD EXPERIAN ACCOUNTABLE TO THE FCRA CONSUMER LAWS ESTABLISHED BY US CONGRESS. AGAIN THESE ARE THE FCRA VIOLATIONS EXPERIAN IS GUILTY OF BREAKING WITH THERE REPORTING. 15 USC 1681i, 15 USC 1681s2 ( B ) ,15 USC 1681C -2,15 USC 1666B. DELETE THE ITEMS I LISTED ABOVE AND THEN EXPERIAN WILL BE COMPLYING WITH THE FCRA WITH MY CONSUMER 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 2022-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I am writing you this statement to delete the following information on my credit report. The items I need deleted are listed in the report. I am a victim of identity theft, I demand that you remove these errors to correct my credit report immediately! I have reported this to the federal trade commission and have attached the federal trade commission affidavit. Now that I have given you the following information, please correct my report or I shall proceed with involving my attorney!

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 2021-03-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
On XX/XX/XXXX and XX/XX/XXXX fraudulent withdrawals were made on my Bank of America ( BofA ) Nevada Unemployment Debit Card, totaling {$1900.00} I contacted BofA in order to report the fraudulent activity. They proceeded to close my account and mail me a new debit card. Upon receipt of the new card I learned that it had already been closed due to a fraud report on my account. I also received a letter from BofA dated XX/XX/XXXX which states that my fraud claim has been closed. 

Upon contacting BofA I was informed that I needed to contact my " sponsor '' ( Nevada DETR ) to verify my identity in order to reopen my account.

I contacted Nevada DETR and sent all identity validation documents necessary to reopen my account. 

My debit card account with BofA is still closed and I am unable to receive any weekly unemployment benefits ( my only income ) until the account is reactivated. BofA refuses to look into the matter, and also refuses to investigate my fraud claim or reimburse my stolen funds ( {$1900.00} XXXX. 

The funds were ALREADY on the the BofA debit card, and I believe it is their responsibility to investigate the claim in a timely manner.

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 monetary relief
Consumer complaint received 2023-04-27
Company: GOLDMAN SACHS BANK USA
State: TX
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Received a sudden email notice of forced closure on XX/XX/XXXX at XXXX. I called customer service same day and was told to call back as he was unable to assist with account restriction/closure. Called back and spoke with an agent twice on XX/XX/XXXX. Agent stated she will open up a case to see if the funds could be returned and account reopen. Agent states that she is unable to provide any information regarding closure or even any written confirmation that a case is being open up to reopen the account. The account holds my emergency funds which should have no suspicious activity as I have not attempted to transfer any funds. It is concerning that I was told the fund no longer belongs to me as the account is forced closed and no one I contacted has been able to guaranteed a return of my funds or even provide a written confirmation about the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-04
Company: EQUIFAX, INC.
State: SC
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:
These Inquires are Fraudulent on my Equifax credit report did not authorize these companies to pull my credit XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, NC XXXX Dispute this XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, VA XXXX Dispute this XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, OH XXXX Dispute this XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX,, XXXX, OR XXXX Dispute this XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX, XXXX , NC XXXX Dispute this XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX, XXXX , SC XXXX Dispute this XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX, XXXX, VA XXXX Dispute this XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, SC XXXX Dispute this XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX, XXXX , NC XXXX Dispute this XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX Dispute this XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX - , XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, IA XXXX XXXX XXXX XXXX Dispute this XX/XX/XXXX XXXX XXXX , XXXX XXXX XXXX , XXXX, XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX, LA XXXX Dispute this XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX, XXXX, VA XXXX Dispute this XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX , XXXX, SC XXXX Dispute this XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - , XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, IA XXXX XXXX XXXX XXXX Dispute this XX/XX/XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX. XXXX XXXX, XXXX, SC XXXX Dispute this XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, GA XXXX Dispute this XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, SC XXXX Dispute this XX/XX/XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX, XXXX XXXX XXXX, XXXX, SC XXXX Dispute this XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, PA XXXX XXXX XXXX XXXX Dispute this XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, SC XXXX Dispute this XX/XX/XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX. XXXX XXXX, XXXX, SC XXXX Dispute this XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, SC XXXX Dispute this XX/XX/XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX. XXXX XXXX, XXXX, SC XXXX Dispute this XX/XX/XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX, XXXX XXXX , SC XXXX Dispute this XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX , GA XXXX Dispute this

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26
Company: EQUIFAX, INC.
State: LA
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 Everything has to be 100 % accurate on my credit report The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, the date last reported is not accurate, balance owed is inaccurate, term length is not accurate, closed date is inaccurate. This ground for removal they also violated my rights under 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 response to consumer: Closed with explanation