BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-13
Company: EQUIFAX, 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:
Equifax is in violation of 15 U.S.C 1681g. Equifax fails to expressly verifythe Account Type as an Individual account that could confirm this is my account that was executed in solely my name as an individual to appear on my Individual Personal Credit Report as an Open Account.My credit utilization rate is being impacted by a Business Account that should not appear in my Personal Individual Credit Report being reported as an Open Account by me Individually. Not even citing Joint with a Business nor any Business Account acknowledgment. 

Equifax responded around XX/XX/2023 that thetrade '' XXXX XXXX XXXX EQUIFAX VERIFIED THAT THIS ITEM BELONGS TO YOU. ADDITIONAL INFORMATION HAS BEEN PROVIDED FROM THE ORIGINAL SOURCE REGARDING THIS ITEM. THE FOLLOWING FIELDS HAVE BEEN MODIFIED : BALANCE, PAST DUE, ACTUAL PAYMENT, DATE OF LAST PAYMENT, TERM DURATION, DATE OF LAST ACTIVITY/DATE OF FIRST DELINQUENCY, ADDITIONAL INFORMATION, ACCOUNT HISTORY. '' The information modified and updated is incorrect, inaccurate, and false being reported on my Individual Personal Consumer Credit Report.XXXX XXXX XXXX is incorrectly and inaccurately reporting a Business auto loan for the purchase of a XXXX XXXX XXXX XXXX in my personal and individual name on my Consumer credit report. The auto loan contract originated in the name of a Business and not an individual. I am not the Individual solely responsible for the account as being reported on my personal consumer credit report. THIS IS NOT AN INDIVIDUAL ACCOUNT AS BEING REPORTED. 

Evidence of the purchase and sale contract ( retail installments ) will validate that this account is a Business account for the auto loan and not an individual Consumer loan. Therefore this Business account should be removed from my personal Consumer credit report because the auto loan account is in the name of a Business account. XXXX XXXX XXXX XXXX XXXX XXXX XXXX completed registration for the XXXX XXXXXXXX XXXX XXXX in the name of a Business and NOT AN INDIVIDUAL ACCOUNT. The Account is registered to a BUSINESS AND NOT ME INDIVIDUALLY. The registration of the vehicle is in the name of a Business and not in the name of an individual consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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 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 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 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 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 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 2023-09-18
Company: Experian Information Solutions Inc.
State: MI
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 a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2023-04-18
Company: EQUIFAX, INC.
State: IL
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:
Previously, I made an investigation regarding some items with inaccurate information and after checking your response I recognized that some items are still incorrect, with a confirmed status. Please correct the following items listed below : XXXX  Account Number : XXXX, XXXX XXXX XXXX Account Number : XXXX, XXXX XXXX  Date of inquiry : XX/XX/2022, XXXX XXXX Date of inquiry : XX/XX/2022, XXXX XXXX XXXXXXXX Account Number : XXXX, XXXX XXXX XXXX  Account Number : XXXX, XXXX XXXX Account Number : XXXX, XXXX Account Number : XXXX, XXXX XXXX  Date of inquiry : XX/XX/2022, XXXX Date of inquiry : XX/XX/2022, XXXX XXXX XXXX Date of inquiry : XX/XX/2022, XXXX Date of inquiry : XX/XX/2022, XXXX XXXX  Date of XXXX XXXX XX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01
Company: EQUIFAX, INC.
State: NV
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:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I recognized your help to remove a portion of the data in my credit file that came about because of a FRAUD yet I have still items passed on that should be taken out or blocked. Per FCRA segment XXXX you are expected to eliminate any records recorded on an ID THEFT REPORT #. I've proactively remembered this report from a past letter and I am including it once more. Please this time remove the items that are inaccurate on my report. 
XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX : {$110.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-18
Company: EQUIFAX, INC.
State: SC
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 the several time I've complained about being a victim of identity theft. You must remove/block any account that was 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 information relating to any transaction by the consumer. 
XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XX/XX/XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$3200.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
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 XXXXXXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX MI XXXX ; XXXX XXXX XXXX XXXX Balance XXXX {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XX/XX/2022 ; XXXX XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-17
Company: Experian Information Solutions Inc.
State: CA
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 reviewed my Consumer Reports and noticed that I had late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account XXXX XXXX XXXX XXXX XXXX  : {$670.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08
Company: Experian Information Solutions Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In accordance with the Fair Credit Reporting ag 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

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 2023-11-09
Company: ALLY FINANCIAL INC.
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
The truck was stolen and the insurance company determined it was a complete total. They paid the truck off.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01
Company: Receivables Management Partners, LLC
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
It is against the law to have medical debt on your credit report. Also I have not received any paperwork proving that I signed and agreed that this debt is mine. Also HIPPA violation to have this on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08
Company: W&A Intermediate Co., LLC
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
The company says own the XXXX dollars. When I have had healthcare insurance the whole time. They never informed of the 6 other bills they take on. So I went for XXXX to over XXXX dollars 3 years. No one informed I own anyone anything until I look at my credit score to find these bills. So how do they expect me to paid them? They only reason I got this sent to me bc I reported on them on my credit. This is not correct way to do business. I pay my debts if I am told about them. But I dont know what is real or fake bill with them. They are charging me 10 interest on 6 of the bill they never informed me of. It looks they just try to damage my credit score with this bull. They never let me dispute or show them I had insurance. I did have insurance this whole time. no XXXX XXXX XXXX XXXX never told me about these bill either. So really hard for me to believe. One of is local radiology that my dad paid off bc we. XXXX we got a bill and we paid. If I dont get bill or proof that paying off that bill its hard for me to paid this company. Attached there proof to this which does not prove the debt to bc I have itemized state of each bill and they dont have that. XXXX to just see a doctor is stupid high if that all I am see as there items of charge. Im sorry I never see a er doctor for more 15 mins anytime I have been there. Average pay rate of a doctor in the XXXX is XXXX in tn and says he all dealt with my situation for 30 mins that XXXX and went 6 times accord to them XXXX should be the total amount on the debt with no insurance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-17
Company: Experian Information Solutions Inc.
State: LA
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:
This is a Follow up to my complaint last XX/XX/XXXX, XXXXto update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$10000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07
Company: EQUIFAX, INC.
State: OR
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:
Despite providing direct proof of payment in full for multiple loans via XXXX, my credit reports were updated to " Information is current and accurate '' which is false. Here is more proof of payoff in full PDFs that are pulled directly from XXXX. In addition, one of my XXXX accounts was sent to collections ( XXXX XXXX ) and it was paid in full as well. The reference number for that payoff and date are as follows ; Confirmation XXXX, Date XX/XX/2023. None of the info included has been reflected on my credit reports and continues to be inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03
Company: CB1, Inc.
State: CO
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:
On XX/XX/22 I sent CBM collections a letter requesting a validation of an alleged debt they placed on my credit report. On XX/XX/22 They sent back a ledger that was made from their office. Also my understanding debt collectors are required to identify themselves when they attempt to collect a debt as well as note that any information you give them will be used in an attempt to collect the debt, which it is NOT marked anywhere on their " ledger '' they sent me. On XX/XX/22 I sent them a cease and desist and failure to validate the debt and requested they remove the account immediately considering they have violated more than one FCRA and FDCPA laws. 

They have not responded since, not have they removed this account from my report. 
I have included all correspondence as well as my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Someone used my debit card information to buy stuff.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-16
Company: EQUIFAX, INC.
State: TX
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 was looking at my credit reports and notice that There were hard inquiries that don't have permissible purpose to be on there. These hard inquiries are hurting in me for getting approved. I have already reached out to the credit bureau about these inquiries multiple times and they keep violating my rights under 15 USC 1681b right.I have attached hard inquiries That don't have no purpose to be on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. 

XXXX XXXX XXXX Date Opened : XX/XX/2018 Balance : {$9700.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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 XXXX XXXX XXXX XXXX XXXXXX/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 2023-04-18
Company: EQUIFAX, INC.
State: LA
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:
This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation