BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-26
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:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and remove them immediately from my report : XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023

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 2023-06-05
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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16
Company: EQUIFAX, INC.
State: RI
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:
In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XXXX XXXX XXXX XXXX  Date of inquiry : XXXX XXXX XXXX XXXX  Date of inquiry : XXXX XXXX XXXX Date of inquiry : XXXX XXXX XXXX Date of inquiry : XXXX XXXX XXXX XXXX Date of inquiry : XXXX  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
Consumer complaint received 2021-07-29
Company: ID Analytics, Inc.
State: CA
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 making the following Complaints and Observations Request for Statement of What Happened : Several months ago I was denied homeowner 's insurance coverage on a personal residence I own in XXXX, Washington by XXXX and XXXX XXXX because of information contained in my insurance report, the details of which were not disclosed to me. Accordingly, I requested a copy of my insurance report from the Comprehensive Loss Underwriting Exchange ( CLUE ), serviced by XXXX, which I understand contains up to seven years of personal auto and property claims history and to which I am entitled under the Fair Credit Reporting Act. In XX/XX/2021 I received an 86-page " report '' from CLUE which contains no history of reported losses or claims or any other relevant information with which an insurer or underwriter can assess risk in issuing a policy on this property. This property was covered by homeowner 's insurance for almost thirty years during which time, to the best of my knowledge, I filed no claims involving this property. I am attaching to this complaint a copy of a letter sent to CLUE on XX/XX/XXXX which contains a more detailed explanation. 


Fair Resolution Question : I am seeking a full and complete report from CLUE that I may review for accuracy to determine why I am being denied insurance coverage. I have carried insurance on this property for 30 years, have no record of claims, and am unable to understand why I have been denied coverage. Without this report, to which I am entitled by law, I can not offer any corrections or assert my rights as a consumer. 

I asked Comprehensive Loss Underwriting Exchange on the advice of Washington State Office of the Insurance Commission. Perhaps CFPB can contact them. Perhaps they will be more forthcoming with you than they were with me. 

Please respond to me at this email at your earliest convenience. 
XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-30
Company: ENCORE CAPITAL GROUP INC.
State: CA
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 have sent in proof that Midland credit Management by law should not have my information. I did not authorize them to take my information. I also told them that was not me. They still wont remove it. 

I have sent in proof that XXXXXXXX XXXX XXXX was not me, told them to send me the paperwork showing my signature on paperwork, also I never authorize XXXXXXXX XXXX XXXXXXXX to use my information. It is against the law. They still wont remove it. 

# Midland Credit Management and XXXXXXXX XXXX XXXXXXXX both have violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 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
Consumer complaint received 2019-09-14
Company: Experian Information Solutions Inc.
State: TX
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 asked XXXX XXXX to Validate late payments and tell me which method are they using. They have not Validated any information yet the sent a letter saying your account has been verified. 

I asked to close my account around XX/XX/XXXX or XX/XX/2019. The said if I paid {$500.00} my account would be paid as agreed Closed account on my Credit Report. I paid they {$500.00} and when I checked my Credit Report it says account Settled Less Than Amount Owed. This was a deceptive act. I would have never paid my {$500.00} if I knew this was going to happen. Everytime I call and speak with someone regarding this issue they say my account is in collections. I ask whats the name of the Collection Company?  ; no one knows. They are double dipping which is against the law and IRS standings.

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 2022-11-02
Company: EQUIFAX, INC.
State: NC
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: Problem with personal statement of dispute

Complaint:
I reached out to Equifax, XXXXredit Reporting Company, asking them to verify ( with an original signed contract ). I sent this request via mail on XX/XX/2022. Equifax sent me a letter stating the debt was verified ; But failed to send me a contract as proof. I also reached out to the Collection Agency for verification ; And they never provided anything. Therefore I sent another Letter to Equifax enclosing copies documents sent to the collection agency asking for evidence. The XXXX letter was sent ceritifed mail with a return reciept. Equifax signed and recieved my letter XX/XX/2022. The FCRA requires you to verify the validity of an item within 30 days of request. If the validity can not be verified, you are obligated by law to remove the item. There is a clear case of unverified debt here. I informed Equifax that I contacted the Debt Colection agency for validation ; And the Debt Collection has not validated the debt either. It has been 60 days with no response from Equifax. This needs to be removed from my credit. I've also sent Letters to XXXX and XXXX without a initial response.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
My name is XXXX XXXX XXXX, and I am sending this request again to address the inaccuracies on my XXXX XXXX. I received a letter from CFPB on XX/XX/2022 that Credit Bureaus closed my complaint to protect my PRIVACY. I called XXXX credit bureaus after I purchased a credit report from XXXX on XX/XX/2022 After receiving a copy of my report, I saw these UNVERIFIABLE items on my personal profile, I noticed that there were : XXXX REDROCK CT XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$12000.00} ; XXXX OF XXXX XXXX XXXX Owed : {$2600.00} ; XXXX OF XXXX XXXX XXXX Owed : {$3500.00} ; XXXX XXXX XXXX Balance Owed : {$17000.00} ; XXXX XXXX XXXX Balance Owed : {$9400.00} XXXX XXXX XXXX XXXX Balance Owed : {$5700.00} ; XXXX BANK XXXX XXXX Balance Owed : {$13000.00} ; XXXX XXXX XXXX XXXX Owed : {$13000.00}. 
on my credit report which are UNKNOWN to me. This is disappointing because I have been paying IdentityIQ to get a report every month and I have been disputing fraud items on my credit report all this time. XXXX of the staff told me to visit https : XXXX and Report the Fraudulent items and have them BLOCKED OR REMOVED from my credit file. Ive attached a copy of the identity theft report ( FTC report # : XXXX, XXXX ), and guess what I found? The Bureaus failed to comply with Fair Credit Reporting Act, XXXX XXXX sections XXXX within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information.

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 2023-06-05
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:
This is my 19th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items immediately. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
XXXX XXXX says I owe for a credit card that was open to an address that I never even lived at I never took out or had a XXXX  XXXX card this isn't even my address where it was taken out please have XXXX XXXXXXXX delete this from my TransUnion and XXXX credit reports

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 2023-09-12
Company: Experian Information Solutions Inc.
State: CA
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:
Dear Consumer Financial Protection Bureau, I am writing this formal complaint against Experian in hopes of seeking resolution regarding the reporting of negative claims on my consumer credit profile. I believe that certain claims have been inadequately or un-demonstratedly asserted, and I am deeply concerned about the accuracy and integrity of their reporting practices. 
My primary complaints are as follows : 1. Failure to Ensure Accurate Reporting : I firmly believe that Experian has not taken adequate measures to ensure that my consumer credit report profile is reported factually, ethically, and in compliance with federally-defined timeliness. The reporting should also be physically verifiable and validated, adhering to the mandatorily utilized Metro2 Data-filled Field Formatted Reporting Standards without any omissions or deviations.

2. Deviation from Established Reporting Standards : Based on my understanding of XXXX 's XXXX manual ( see XXXX XXXX ), any deviation from the Metro2 standards jeopardizes the integrity of the data. I am concerned that Experian may not be adhering to these established standards, which raises questions about the credibility and reliability of the reported information. 

3. Lack of Documented Proof : Despite my attempts to contest the reported information, Experian has not provided sufficient documented proof confirming the accuracy and compliance of the negative claims asserted against me. As a consumer, I have the right to demand evidence of reporting appropriateness and adherence to regulatory requirements.

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 2023-11-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 have diligently contacted your organization multiple times to dispute the fraudulent items on my credit report. These items are not a true representation of my financial history and have caused significant harm to my credit score, making it difficult to obtain loans, secure favorable interest rates, and meet my financial goals. 

I have attached the following supporting documentation for your review : Copies of all correspondence and dispute letters submitted to your bureau regarding the fraudulent items. 
Evidence proving the fraudulent nature of the items, such as police reports, affidavits, or other relevant documentation. 
Any documentation highlighting my responsible financial behavior and positive credit history. 
Despite my continued efforts, the fraudulent items remain on my credit report, causing ongoing distress and financial difficulties. I am deeply concerned that these inaccuracies may hinder my ability to secure housing, employment, or access credit services, and they pose a significant threat to my financial security. 

I am formally requesting an immediate and thorough investigation into this matter. I implore you to take prompt action to remove the fraudulent items from my credit report and ensure that my credit history accurately reflects my financial responsibility. 

Furthermore, please provide written confirmation of the resolution and the steps taken to rectify the situation. I expect a timely response in accordance with the Fair Credit Reporting Act ( FCRA ) guidelines, which require a response within 30 days of a dispute. 

Failure to address this matter in a satisfactory manner will leave me with no choice but to explore the legal remedies available to me under the FCRA and other applicable laws. I am asking for your assistance to remove the following fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX Balance Owed : {$6800.00} XXXX OF XXXX XXXX Balance Owed : {$11000.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$10000.00} XXXX XXXX XXXX Balance Owed : XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX Balance Owed : {$11000.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$6800.00} XXXX XXXX  XXXX Balance Owed : {$10000.00} XXXX XXXX XXXX Balance Owed : 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 2023-03-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
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:
I have attempted many times to request all credit reporting companies remove an old/inaccurate debt from my credit and all agencies have denied this. I started college at XXXX XXXX in XXXX. I applied for a private student loan with a family member in XXXX from XXXX Bank ( 2 of them ). I got a private student loan, and I graduated in XXXX. I was never billed for this account, I never applied for any deferment, I included both accounts in my XXXX XXXX bankruptcy and indicated that they were private student loans, not federal student loans, and my grandfather passed away in XXXX ( co-signer ). My XXXX XXXX bankruptcy was discharged in XXXX as indicated in my credit reports. I was granted a full discharge of all requested debts. I notified the credit agencies, and these accounts initially disappeared then reappeared. I was denied the right to have it removed. I sent my discharge to all creditors, including this company. Still, they refused to remove the debt. The debts clearly indicate they were opened in XXXX, but falsely indicate they were " charged off '' in XXXX and XXXX. No attempts were ever made to collect on these debts and no payments were made given it was discharged. According to WA and OR law, all debts including private student loans ( written contracts ) are outside of the statute of limitations after 6 years. Furthermore, at the time I resided in Missouri when these loans were disbursed and their statute of limitations on " promissory notes '' as used in the case of these loans is 3 years. 6 years past XXXX when the initial debt was created is XXXX, 6 years past when I graduated is XXXX, 3 years past when I made the debt is XXXX, and when I graduated XXXX. It is now XXXX, which is 8-12 years past when these loans originated and when they were due. Keeping these debts on my credit is against the statutes in each of these states and they indicate false information.

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 2021-07-06
Company: EQUIFAX, 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: Account status incorrect

Complaint:
My vehicle was falsely repossessed by my apartment complex, I was out of town on business and came back to it gone. The apartment will not reimbursement the fees I had to pay and the lender, XXXX, has listed it as a repossession due to non-payment. My car has been paid continuously and ON TIME. They refuse to remove the information! 

The information reporting for this auto loan is completely false. Payments were made on the account as scheduled. My apartment complex wrongfully had my car towed when I went out of town for three ( 3 ) days because they said it had not moved from where it had been parked. The apartment complex claims that they did not have it towed but a towing company isn't going to just randomly drive into a complex and tow a car away. I have proof that my payments were being made and that they were on time, this was not a situation where the lender repossessed my car for non-payment. I am enclosing documentation to confirm that the information that I am stating in this correspondence to you is true. Please remove the notation that this was a repo on my credit report because it was not. My payments were never late and this situation had nothing to do with my loan but an issue with my apartment complex.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17
Company: EQUIFAX, INC.
State: AZ
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 noticie is to inform you that you unlawfully reported fraudulent accounts that arose from IDENTITY THEFT that you did not verify as required by law on my consumer report. 
XXXX. XXXX XXXX ; XXXX XXXX. XXXX ; XXXX XXXX XXXX ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer. ( 3 ) information regarding inquiries. Except as provided in section 1681g ( a ) ( 5 ) of this title. A consumer agency reporting shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. The following inquiries are a result of Identity Theft and was not initiated by me. I demand they are DELETED IMMEDIATELY. 
XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06
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:
This is my 3rd time submitted my dispute complaint and no one is doing anything nor am I getting any responses back from any of the credit bureaus. 


XXXX UNVERIFIED ACCOUNT XXXX XXXX XXXXUNVERIFIED ACCOUNT XXXXUNVERFIED ACCOUNT XXXX XXXXUNVERIFIED ACCOUNT XXXX XXXX XXXXUNVERIFIED ACCOUNT XXXX XXXX  XXXXUNVERIFIED ACCOUNT XXXX XXXX-UNVERIFIED ACCOUNT XXXX XXXX-UNVERIFIED ACCOUNT XXXX  XXXXUNVERIFIED ACCOUNT XXXX XXXX  -UNVERIFIED ACCOUNT XXXX  XXXX XXXX XXXXUNVERIFIED ACCOUNT Public Records-Bankruptcy-XXXX NOT MY BANKRUPTCY I want these items deleted immediately. 

Thank You, 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