BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-18
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I repeated requested deletion of an account due to inaccuracies being reported on account. 

I filed multiple disputes and had no luck. Please refer to CONSUMER COMPLAINT NUMBER XXXX IN REGARDS TO sensible auto lending and all three credit reporting bureaus.

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 2022-03-07
Company: Collection Bureau of the Hudson Valley, Inc.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX claimed that I owed them money after my account was closed. They sent a debt collection agency after me months ago. I provided them with all the paperwork which showed that XXXX actually owed me money. Once they did not contact me anymore, I assumed the matter was settled. Now I received a new letter from a new collection agency, once again stating that I owed money. I tired to call XXXX but they said they have nothing to do with it once it is turned over to the agency and I have to deal with them. I do not understand why I have to continue to have to deal with another agency once I settled everything with the first one.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 in the process of applying for Insurance and it was brought to my attention that there is some inaccurate, incomplete and unverifiable information reporting on my credit report.

I received a copy of my credit report and to my surprise I saw all these inaccurate items that I have previously asked you to block.

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority.

Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft.

I have provided documents that can prove it. By the way I hope that this does not hinder my ability to obtain Insurance due to this inaccurate information reporting.

I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( i ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.If you can not complete this request, please delete the accounts immediately.

I have provided an exhibit of evidence showing the inaccuracies of my reports.

Please investigate every piece of information and remove these items below from my credit report.

Accounts 1. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX. The inquiry was not authorized XXXX  XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/2022 Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX  XXXX  Date of inquiry : XX/XX/2022 Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX, XXXX Account XXXX : XXXX Delete this account. 
XXXX. The following personal information is incorrect Account Number : XXXX  XXXX  : XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit 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 non-monetary relief
Consumer complaint received 2023-01-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
on XX/XX/2022 I sent in dispute requesting and investigation of the items they said were verified by creditors it has now been way over XXXX  days and I they have not supplied evidence of the supposedly verified account. Section 611 ( a ) is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Since being it is well over XXXX  days they should be deleted promptly. I demand these items be deleted immediately or I will file for litigation due to stress you caused me. My information was also involved in the XXXX data breach and May have gotten into the hands of the wrong person. My information was also involved in a cyber attack whereas my information had been compromised as well.

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 2023-06-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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'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 and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2022-12-06
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 accounts need to investigate and corrected for erroneous reporting in my file and 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 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 2022-12-16
Company: NAVY FEDERAL CREDIT UNION
State: MS
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:
The creditor NAVY FEDERAL CR UN is furnishing FALSE credit information to a third party ( XXXX ) to bring harm to MY consumer credit reputation aka defaming MY character. The consumer reporting agency XXXX is negligent in their duty to investigate this disputed information for NAVY FEDERAL CR UN opened XXXX XXXX for {$1100.00}, NAVY FEDERAL CR UN opened XX/XX/XXXX Is this a debt or an extension of credit? 
Is this an extortionate extension of credit? 
Can you provide me with a Bill of Assignment? 
Can you provide me with a Chain of Title?

Has insurance been filed for this account?

Has a 1099-c been filed for this account? 
Provide your Errors and Omissions insurance This is a notice to CEASE AND DESIST all communication resulting from this alleged debt. I am not requesting validation of any alleged debt as disclosing or obtaining information of a customer by false or fraudulent pretenses constitutes a violation of the XXXX XXXX XXXX and aggravated identity theft 18 U.S. Code 1028A. Pursuant to 15 U.S. code 1666B it is impossible to be late on an extension of credit. XXXX is furnishing late payments on an extension of credit on behalf of NAVY FEDERAL CR UN. If a consumer is late on an extension of credit ( that ) is no longer an extension of credit. It is instead defined as an extortionate extension of credit 18 U.S. Code 891. Extortionate extensions of credit fall under RACKETEERING activity 18 U.S. Code 1961. If this account is not removed from my consumer report immediately I will be including XXXX in a XXXX along with NAVY FEDERAL CR UN!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20
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:
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 XXXX Account NumberXXXX Account Name : XXXX XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX Account NumberXXXX Account Name : XXXX XXXX Account NumberXXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX Account NumberXXXX Account Name : XXXX XXXX Account Number: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 2023-11-14
Company: Experian Information Solutions Inc.
State: FL
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 noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: In progress
Consumer complaint received 2023-06-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
I have checked my credit report and saw these inquiries that I did not authorize and wanted these items to be removed from my report. Below are the inquiries XXXX 1. XXXX, Inquiry Date : XXXX ( The inquiry was not authorized ) 2. XXXX XXXX XXXX , Inquiry Date : XXXX ( The inquiry was not authorized ) 3. XXXX XXXX Inquiry Date : XXXX ( The inquiry was not authorized ) XXXX XXXX, Inquiry Date : XXXX ( The inquiry was not authorized ) 5. XXXX XXXX Inquiry Date : XXXX ( The inquiry was not authorized ) 6. XXXX XXXX Inquiry Date : XXXX ( The inquiry was not authorized ) 7. XXXX Inquiry Date : XXXX ( The inquiry was not authorized ) 8. XXXX XXXX Inquiry Date : XXXX ( The inquiry was not authorized ) 9. XXXX XXXX Inquiry Date : XXXX ( The inquiry was not authorized ) 10. XXXX XXXX Inquiry Date : XXXX ( The inquiry was not authorized ) 11. XXXX XXXX XXXX Inquiry Date : XXXX ( The inquiry was not authorized ) 12. XXXX XXXX XXXX Inquiry Date : XXXX ( The inquiry was not authorized ) 13. XXXX XXXX XXXX Inquiry Date : XXXX ( The inquiry was not authorized ) 14. XXXX XXXX XXXX XXXX Inquiry Date : XXXX ( The inquiry was not authorized ) 15. XXXX XXXX XXXX XXXX Inquiry Date : XXXX ( The inquiry was not authorized ) 16. XXXX Inquiry Date XXXX XXXX ( The inquiry was not authorized ) XXXX 1XXXX XXXX Inquiry Date : XXXX ( The inquiry was not authorized ) 2. XXXX XXXX XXXX Inquiry Date : XXXX ( The inquiry was not authorized ) 3. XXXX XXXX XXXX Inquiry Date : XXXX ( The inquiry was not authorized ) 4. XXXX XXXX Inquiry Date : XXXX ( The inquiry was not authorized ) 5. XXXX XXXX Inquiry Date : XXXX ( The inquiry was not authorized ) 6. XXXX Inquiry Date : XXXX ( The inquiry was not authorized ) 7. XXXX XXXX Inquiry Date : XXXX ( The inquiry was not authorized ) XXXX 1. XXXX Inquiry Date : XXXX ( The inquiry was not authorized ) 2. XXXX Inquiry Date : XXXX ( The inquiry was not authorized ) 3. XXXX Inquiry Date : XXXX ( The inquiry was not authorized )

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 2023-01-13
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX Date Updated : XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX Updated : XX/XX/XXXX, XXXXXXXX XXXX XXXXXXXX Balance Owed : {$150.00XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$350.00}, XXXX XXXXXXXX XXXX XXXXXXXX Balance Owed : {$410.00}, XXXX XXXX Balance Owed : {$80.00}, XXXX XXXX Balance Owed : {$0.00}, XXXXXXXX XXXX XXXXXXXX Balance Owed : {$0.00}, XXXX XXXX Balance Owed : {$90.00} According to FCRA XXXX XXXX ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.

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 2023-07-07
Company: EQUIFAX, INC.
State: PA
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: Investigation took more than 30 days

Complaint:
Subject : Dispute of Inaccurate Information Pursuant to 15 USC 1681i Dear Sir/Madam, I am writing to formally dispute inaccurate information that your agency has reported on my credit file. Despite my previous attempts to resolve this matter, I have not received any response from your agency within the required time frame, as outlined in 15 USC 1681i. 

On XXXXXXXX  I submitted a dispute letter to your agency, clearly stating the inaccuracies present in my credit report. The letter contained specific details about the accounts in question, including the account names, numbers, and the reasons for my dispute. A copy of the original dispute letter is enclosed for your reference. 

Under the Fair Credit Reporting Act ( FCRA ) Section 611, 15 USC 1681i, it is the responsibility of credit reporting agencies to promptly investigate disputed information and provide a written response within 30 days of receiving the dispute. Regrettably, it has been more than 30 days since my initial dispute, and I have not received any communication or resolution from your agency.

Due to the prolonged inaction on your part, I am now requesting that you delete all the disputed accounts from my credit report. The continued presence of inaccurate information is adversely affecting my creditworthiness, hindering my ability to obtain credit, and causing significant financial harm. 

I would like to remind you that the FCRA mandates that you adhere to the statutory requirements for prompt investigation and resolution of disputes. Failure to comply with these obligations may result in legal action being taken against your agency, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and pursuing damages under 15 USC 1681n.

Enclosed with this letter, you will find copies of the original dispute letter, certified mail receipts, and any other supporting documentation pertinent to my dispute. I urge you to review the enclosed information diligently and take immediate action to rectify this matter. 

Please acknowledge receipt of this letter and confirm that you have initiated an investigation into the disputed accounts, as mandated by law. Additionally, provide me with a clear timeline for when I can expect a written response detailing the results of your investigation and the removal of the disputed accounts from my credit report. 

I anticipate your prompt attention to this matter and a swift resolution. Your cooperation in deleting the inaccurate accounts from my credit report will be greatly appreciated. 

Thank you for your immediate action in this regard.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-10
Company: EQUIFAX, INC.
State: KY
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:
My name is XXXX XXXX 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 reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-28
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Just got a copy of my credit report, and I discovered an account that are not mine. That I've become a victim of identity theft shocks me. I've been upset by this because I'm trying to get my family a house. As soon as you can, please delete this fraudulent account from my credit 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 2024-01-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I followed what the bank required of me to do. The steps I took and the time I spent are disregarded. The BofA associates involved ignored my open case and to date BofA has never given me an update or a letter of their investigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15
Company: Experian Information Solutions Inc.
State: TX
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: In progress
Consumer complaint received 2023-12-13
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 three 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. 
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

Company response to consumer: In progress