BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I am sending this complaint to inform you that I was a victim of Identity Theft. I have recently checked my credit report and I noticed some personal informations that does not belong to me.I am in need of your help in getting rid of these items from reporting on my file. Per FCRA section 605b, the credit bureaus block any items listed in an identity theft report. I have included some documents to help in the blocking of the fraudulent items that are found on my 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

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 2018-10-24
Company: ID Analytics, Inc.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I HAVE ATTEMPTED TO CALL SAGESTREAM CREDIT REPORTING COMPANY FOR 2 DAYS, AND IT GOES DIRECTY TO VOICE MAIL WHEN YOU ENTER OPTION 1. I XXXX THE COMPANY AND ITS ON " RIP OFF '' WEBSITE, THEREFORE I AM NOT SENDING REQUIRED INFORMATION TO THE COMPANY AND NEED TO SPEAK WITH SOMEONE ABOUT AN ERROR ON THE REPORT THEY HAVE. I ALSO XXXX  THAT THEY HAVE LESS THAN 25 EMPLOYEES?? HOW COULD THAT BE WHEN THEY PROVIDE REPORTS FOR DIFFERENT COMPANIES ALL OVER THE COUNTRY. THEY HAVE 89 COMPLAINTS SENT TO THE XXXX  IN CALIFORNIA. WHEN YOU CALL THERE IS NO OPTION TO WAIT FOR THE NEXT REPRESENTATIVE. I HAVE A VERY BUSY SCHEDULE AND DONT WANT TO BE CALLED BACK AT THEIR CONVIENCE, I NEED TO CALL THEM AT MY CONVIENCE DURING THEIR BUSINESS HOURS. I WANT THE CFPB TO CALL THE NUMBER OF THE BUSINESS AND THE ATTORNEY GENERAL OF CALIFORNIA AND SEE IF THEY CAN TALK TO A REPRESENTATIVE. IF THE COMPANY CAN NOT STAFF THE PHONES PROPERLY, THEY SHOULD NOT BE LICENSED TO BE A CREDIT REPORTING AGENCY THAT CUSTOMERS NEED TO CONTACT. OR ATLEAST ADD THE OPTION FOR THE CUSTOMER TO WAIT ON NEXT REPRESENTATIVE. IM SURE NUMEROUS CUSTOMER CALL AND WOULD LIKE THE PROBLEM RESOLVED ON FIRST CONTACT.

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 2023-08-24
Company: Experian Information Solutions Inc.
State: MO
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:
Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.

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 2023-05-01
Company: EQUIFAX, INC.
State: NC
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'm complaining AGAIN that I was a victim of identity theft with this. As per Fair Credit Reporting Act Section 605B ( a ), you must remove or block any items that were opened without my knowledge, consent, or authorization within 4 business days after receiving the following : ( 1 ) appropriate identification proof ; ( 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 unrelated to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$88.00} ; XXXX XXXX XXXX I ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2700.00} ; XXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06
Company: Experian Information Solutions Inc.
State: CO
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:
Dear Sir/Madam, I am writing to you today in regards to a fraudulent account on my Experian credit report that I would like to have removed as soon as possible. The account in question was opened at XXXX  XXXX XXXX on XX/XX/2018, and has fraudulent charges totaling {$94.00}. 

I am a victim of identity theft and this fraudulent account has been a significant source of stress and frustration for me. It has negatively impacted my credit score and has made it difficult for me to secure loans and credit in the future. 

As a consumer, I have the right to dispute any inaccurate or fraudulent information on my credit report under the Fair Credit Reporting Act ( FCRA ). I am exercising this right and requesting that this fraudulent account be removed from my credit report immediately. 

I would like to provide you with any supporting documentation or information that you may require to process my request. Please let me know what additional steps I can take to ensure that this matter is resolved as quickly as possible. 

Thank you for your time and attention to this matter. I look forward to your prompt response and resolution of this issue. 

Sincerely, 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 2023-05-01
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:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-04-26
Company: Verisk Analytics Inc
State: KY
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:
Your agency Violated my rights to privacy. Previous Letter I gave you a chance to delete this item. Now, this is my last attempt before I take legal action. The law you are violating is clearly here. The civil liability law which I will sue under is clearly here. 
15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting the Congress make the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-24
Company: Trident Asset Management, L.L.C.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am disputing the accuracy of the information Trident Asset Management LLC is reporting to my credit file with all of the three major credit bureaus ( XXXX, XXXX, XXXX ). Trident is reporting a collections account as " verified and accurate '', yet have FAILED to respond to my dispute letter, violating my consumer rights under FCRA. 

I mailed Trident Asset Management LLC a Certified Dispute Letter, # XXXX. However, the letter was returned to me as " Undeliverable '' ( copy of front and back side of the unopened, returned letter attached, as well as, an online notice from USPS indicating an attempt was made to deliver the Certified Letter on XX/XX/XXXX, but were unsuccessful ). Apparently, the contact information Trident Asset Management LLC provided on my XXXX  credit report is INACCURATE. Whether Trident provided inaccurate contact information deliberately ( there have been other consumer complaints regarding this already ), I can not ascertain, but what I do know is that Trident is suppose to provide correct and accurate contact information so that I may exercise my consumer rights to dispute any information they are reporting to my credit file with XXXX, XXXX and XXXX. They are now in violation of Section 609 of the FCRA and I am requesting they delete this collections account from my credit file with all three credit bureaus ( XXXX, XXXX and XXXX  ). 

Please also note that I NEVER received a 30 Day Notice to Dispute this Debt from Trident BEFORE they started reporting this collections account to my credit file with XXXX, XXXX and XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-24
Company: Receivable Solutions Specialist, 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 was told if I paid the collection amounts in FULL, that the creditor would remove the collection accounts from my credit report. I paid the total amount in full on XX/XX/18 in the amount of {$630.00}.

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 2023-05-01
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: Information belongs to someone else

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22
Company: National Credit Adjusters, LLC
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XX/XX/2022, I filed a dispute with XXXX due to a collection is showing erroneous data on my credit report. The account was paid. The amount and status showing on the collection account is incorrect. The account is with NCA. I also noted that the other credit reporting agencies do not show the account on them as a collection account. Furthermore, my credit reports has a lot of erroneous data that I have asked for XXXX to delete several times. I can not understand why they would want to report incorrect information. Especially, when I, the consumer, ask for the credit file to be updated with accurate information. Please help! I just dont know what to do with this company. My XXXX XXXX is drastically different from the other XXXX reporting agencies. I am finding it weird. I hate to play the discriminatory card but it sadly starting to look that way.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-22
Company: WELLS FARGO & COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
In XX/XX/2019, I received an email regarding my Wells Fargo credit card that my records have been changed to reflect an address change. The email went on to say that if I had not requested an address change to contact them immediately. 
I did so and the first representative, obviously in training, responded in a very cheery voice that he would look at my account. I stopped him and politely told him this matter was not a cheery event and to please not read from a script but to listen to my situation which I considered serious. After a long time on hold, the rep came back and explained that they received a notice from the post office of an address change. I explained that I have lived at my house for 18 years and my mortgage is with Wells Fargo as well. It seemed that he didn't know how to respond to what I just said and he repeated himself by saying when they get notice from the USPS, they must change the address. I asked for a supervisor and once she got my information and situation, she also gave me the same explanation of why my credit card address was changed. I was appalled that Wells Fargo would train employees to do a change of address with so little confirmation from the actual customer! 
In this time of protecting against fraud and identity theft, Wells Fargo using a notice from the USPS to change the address from a credit card account without verifying first is inexcusable! 
This is exactly why customers must be vigilant!!! I can not believe this happened. I am very upset. This is absolutely careless of Wells Fargo. I am responsible in keeping my credit in good standing and for Wells Fargo to have jeopardized this is outrageous!

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 2023-08-24
Company: Experian Information Solutions Inc.
State: PA
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 recently look at my credit report and I noticed Inaccurate Information on my credit profile.

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 2023-05-01
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 these accounts were erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2023-05-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
The XXXX XXXX is showing as a open card with a 285 % usage on my trans-union report but when you look further on the report it shows as a charge 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 non-monetary relief
Consumer complaint received 2019-05-24
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I was attempting to purchase new wireless service from XXXX. I have credit freezes with all three credit agencies. I went on line and successfully places a request to temporally lift the freeze and was successful with XXXX XXXX and XXXX. Experian refused to lift the freeze without explanation. I was unable to reach a representative at Experian for assistance and an explanation. The toll free number only offered me auto assistance and a response that I had to re submit my request in writing, via letter, to them and they were not going to respond to any correspondence. I then placed an order with XXXX, which was rejected due to the credit freeze from Experian. XXXX kept changing their story, saying there was a credit freeze, or a frozen file, credit, or a credit lock, but that they could not obtain my credit because Experian was blocking access to all credit, including XXXX XXXX and XXXX. I believe this is a violation of the Fair Credit Reporting Act. Experian should not be able to have service denied to me without explanation or appeal, and should not be able to block access to other credit reporting agencies.

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 2023-05-01
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 these accounts were erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for 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

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-09
Company: United Student Aid (USA) Funds
State: WA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I guess I 'd better get this in before you 're gone ....   A person with a similar name,  XXXX   XXXX   XXXX ,  XXXX  has  XXXX   XXXX  debt that has been in collections for years. About 5 years ago, my address became tied to his name. Not only  XXXX , but the  SSA ass umes I 'm him. Because this debt is so old, ( and never dies ), the paper on it is spread far and wide. As a result, I receive multiple calls each day from various deb t collectors tryin g to get {$250000.00} out me. The  SSA/Treasury Dept.  even sends me regular notices informing me that " my '' check is being garnished ( For all this hassle, it would be nice to get what 's left ). Of course, they must be sending the actual checks to a bank that has his address or to his home.   I of course have made multiple calls to all of the relevant agencies to get this straightened out. The reason I do n't get anywhere  is simple-CATCH-22.  They wo n't help me because I 'm not him, and only he can interact with them on this account. I have insisted on talking to supervisors, begged, etc to no avail. Once a supervisor at Treasury said the most they could do was put me a do not mail list. Not so much.   You might ask why I do n't just tell the debt  collectors that I ' m not that guy. I used to, but the paper is just resold almost immedia tely. Anecdote : on  e interaction  about 3 years ago, I had a supervisor in debt collection office and told him I would n't give him my social because they would just sell the paper right away. He said just a sec, looked up something, and said " I think you 'll get a couple months ''.   Two weeks later I was being hounded again.
Can you help? ( I 'm begging again ) I 'm sending pdfs that have the relevant info on them

Company response to consumer: Closed with explanation