BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-04
Company: EQUIFAX, INC.
State: TX
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've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07
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: Investigation took more than 30 days

Complaint:
I filed a dispute with XXXX  XXXX over 30 days ago .I informed XXXX  XXXX that I am disputing their claim.moreover I requested that XXXX  XXXX supply me with copy of the contract with my authentic signature and their authentic signature which makes the contract legal XXXX  XXXX never provided a copy of contract with my authentic signature or their authentic signature and continue to report this account to the credit reporting agency.this account should have been deleted off the CRA files.further more the fair credit reporting act regulates how creditors handle consumers dispute.the statue states that when a consumer disputes any item the creditor should conduct a reasonable investigation within 30 days to determine if the challenge item is correct.after 30 days have expired if creditor have not completed the investigation the disputed item must be deleted.finally XXXX  XXXX failed to report the dispute to the CRA which is a violation of the FCRA section 623 and carries a fine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 am a consumer XXXX, XXXX as identified in FDCPA 15 USC 1692a ( 3 ). I have a right to privacy pursuant to 15 USC 1681 ( a ) ( 4 ), Ive recently reviewed my consumer report and noticed I have multiple authorize inquiries that are not associated with any open accounts on my consumer report. I will have my identity theft report attached to this complaint. Pursuant to FCRA 15 usc 1681 ( a ) ( 1 ) credit reporting agencies The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Pursuant to FCRA 15 usc 1681a ( d ) ( 1 ) The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for. So you should make sure these unauthorized account and inquiries are remove. Pursuant to FCRA 15 usc 1681a ( d ) ( 2 ) ( a ) ( i ) Exclusions from consumer report, report containing information solely as to transactions or experiences between the consumer and the person making the report. FCRA 15 usc 1681a ( d ) ( 2 ) ( b ) Exclusions from consumer report, any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device. I DO NOT CONSENT TO, AUTHORIZE NOR BENEFIT FROM THESE ALLEGED FRAUDULENT ACCOUNT. BLOCK AND REMOVE THEM. I DID NOT MAKE THIS IN ERROR I AM THE CONSUMER AND I DID NOT RECEIVE AND GOODS AND SERVICES FROM THESE CONSUMER CREDIT TRANSACTIONS

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 2023-09-26
Company: NRA Group, LLC
State: NY
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:
I have reached out to this company on XX/XX/2023 via us mail, i have also reached out to this company via CFPB. National recovery agency responded with a Frivolous response. This company has lied and stated that i sent Cease and Desist so they were not able to respond, In my cease and Desist i made my DEMANDS very clear to only be contacted via us mail and CFPB. This company has tarnished my name and general reputation, disregarded my request to not communicate with me in any form including reporting alleged debt on my consumer report, reporting to consumer reporting agencies without my consent and having my Non public ( private ) information. National recovery agency chose what to abide by in my cease and desist demand letter and continued to report alleged debt without providing me the proper verification. I am now requiring monetary relief with depletions of alleged debt on my consumer resorts. Due to false reporting, ignoring my cease and Desist demands, and not having my prior consent to report such alleged debt!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07
Company: EQUIFAX, INC.
State: KY
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 have sent letters to Equifax on XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX to ask that they investigate and provide proof that I authorized several inquiries that are listed on my credit report. To date that have not furnished the proof that I authorized these inquiries because I did not in fact authorize these inquiries. Their failure to abide by the fair credit reporting act is causing my life undue stress.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-09
Company: Experian Information Solutions 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:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, NC XXXX To : XXXX/Experian & Attorney General/Consumer FinanceXXXX. 

RE : Request to Block Unauthorized Collection Accounts and Inquiries from Credit Report under FCRA 605B Again, I am in receipt of a credit file that indicates more fraudulent activity, in the form of Collection Agencies demanding that I pay them monies for accounts that I have never engaged in setting up! Also, there are credit account inquiries on my reports that shows applications for credit that I have not engaged in and should be immediately removed without prejudice! 

I am a victim of identity theft. The information listed below, which appears on my credit report, is the result of identity theft in 2018 The affected accounts are listed below. 

XXXX XXXX XXXX IN ACCT : XXXX AMT :  {$650.00} Also, the following unauthorized Credit Inquiries will be removed immediately without prejudice : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX FOR XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX I have enclosed my FTC Identity Theft Report showing the fraudulent items. 
I have continuously been in contact with XXXX XXXX, and XXXX via the CFPB. Investigations have been continuously, with previous verdicts not in my favor from XXXX, XXXX and Experian, However, XXXX ( which is the Bureau that previously leaked millions on Consumers information and was the sole target of one of the largest data breaches in history ), has not complied and WILL NOT comply with this request. XXXX and Experian all seem to gloss over my request with pleasure. 
This is again a demand to remove such information from the report in question. 
Please block this information from my credit report, as directed by section 605B of the Fair Credit Reporting Act, and notify all furnishers of this information. 


I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX XXXX Enclosures : XX/XX/XXXX 2019

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 2023-11-26
Company: EQUIFAX, INC.
State: MA
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 Report Act XXXX, Account:XXXX  from XXXXXXXX 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 an account without my written instructions.

This account reported on my credit report is a fraudulent account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27
Company: Receivables Management Partners, LLC
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
On XX/XX/XXXX, I had my credit pulled by a mortgage company and was told that RMP Services had put a debt on my credit report. I have no idea who this company is and why they put this debt on my credit. I havent been contacted by anyone. I would like this removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03
Company: Experian Information Solutions Inc.
State: AL
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:
Under the Fair reporting Act my rights have been violated in disclosure of debt and acurrateness provided by furnishes Acct XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These debts are violating my rights

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
Dear CFPB, On XX/XX/2021, I reached out to TransUnion about my unauthorize credit inquiry and they did not remove them from my credit report according to the FCRA Section 609 ( a ) ( 1 ) ( A ), they are required by federal law to verify. They did not give me any response. I demand to see the Verifiable Proof an original Consumer Contract with my Signature on it on and they did not show me anything.

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 2023-02-11
Company: Experian Information Solutions 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:
Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$2400.00} ; ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXXBalance : {$850.00} ; XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$1100.00} ; XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX Balance : {$210.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXXBalance : {$360.00} ; XXXX XX/XX/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 2022-03-21
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: Old information reappears or never goes away

Complaint:
Medical bill for {$820.00} from XXXX was sold and added to credit report in XX/XX/XXXX. This decreased my credit score the score by XXXX points. A legal decision to remove Medical bills from credit reports was released XXXX days ago, XXXX. Why was this bill over XXXX old added to my credit report and significantly decreased the score?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
To whom it may concern I, XXXX XXXX recently pull my Credit Profile and notice an extreme lates that were reporting on my credit report. The below LATE PAYMENTS that are being reported within my credit report is inaccurate account information. I have never been late with my payments of the account. It is not clear to me how these late payments could have become merged within my credit file. Perhaps it was the result of a mixed file incident on behalf of you, the credit reporting agency or the original creditor. Whichever it is, the fact remains these late payments are incorrect payments history information. This student loan has been in forbearance and shall not be reporting late to my credit profile PERIOD. This account is reporting late as of XX/XX/2019 and has affected my credit report tremendously which is a BIG VIOLATION OF THE FCRA 623 ( a ) 2 PLEASE UPDATE AND REMOVE IMMEDIATELY!!!!!!

Account Name : XXXX   Account Number : XXXX According to the FCRA

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06
Company: Resurgent Capital Services L.P.
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:
THE ACCOUNTS LISTED ARE ERRORS AND ARE FRAUD. THESE ACCOUNTS ARE HURTING MY CREDIT PROFILE. I BELIEVE THAT MY SSN WAS COMPOIMISED IN SOME TYPE OF DATA BREACH OR IDENTITY THEFT. THE LISTED ACCOUNTS ARE NOT MINE, THEY BELINGS TO SOMEONE ELSE. I BELIEVE IAM A VICTIM OF IDENTITY THEFT. SECTION 605 B STATE THAT IF THESE ACCOUNTS ARE A RESULT OF INDENTITY THEFT, THAT IT MUST BE REMOVED OFF OF MY CREDIT REPORT.PLEASE REMOVE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-19
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
On XX/XX/2020 I logged into my Experian account and it said my account was unlocked. My lender tried to pull my credit report and was advised it was locked. I tried contacting Experian " customer service '' for almost an hour. I called 6 times, jumped through all the hoops and the call ended 5 times before I finally got through. When I did get through, it was difficult to understand the rep. In addition to english not being her first language, there was a lot of background noise. I am trying to obtain a home loan, so it's critical for the lender to get my report. I was able to unlock my report from the other 2 agencies online with no issue. The lack of service from Experian is not acceptable.

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 2019-07-09
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:
THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, PLEASE REMOVE THE DEROGATORY ACCOUNT OFF MY CREDIT FILE FOR I AM NOT LIABLE TO THOSE ACCOUNT. PLEASE REINVESTIGATE YOUR CREDIT REPORTING AND CORRECT YOUR REPORT FOR THOSE ACCOUNT WERE INACCURATELY PLACED ON MY FILE.

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 2023-05-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I understand I currently have an open complaint however, there are new alerts added to my credit impacting my score such as XXXX XXXX. I have been disputing the inaccuracies on my credit report XX/XX/2022 and I am still struggling with the same dilemma. This is hindering my opportunity of homeownership. I have been researching the FCRA believing that it works in the favor of the consumer as long as the proper work is done thoroughly. I'd asked the credit bureaus to " investigate every piece of information '' on my accounts I have listed below. According to the FRCA the term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. I have asked respectfully that Id be provided with proof of the disputed item specifically any contact note, court document, or any instrument having my signature. If they fail to do this then I expected, according to the law, that the items would be deleted within 30 days, but this has been ongoing since XX/XX/2022. The credit bureaus stated my account was verified but how is that possible if they did not do a proper investigation according to the law. I recently accessed a new credit report and found the same and similar discrepancies which means every piece of information on these accounts are still not 100 % accurate according to the FRCA 15 USC 1681 everything must be 100 % accurate. I have the credit report still showing inaccuracies. Account # : XXXX XXXX -XXXX XXXX XXXX, XXXX  XXXX -XXXX XXXX -XXXX XXXX XXXX # XXXX -XXXX  XXXX XXXX XXXX ( this new item added to my credit report even asking for proof, getting no response ) and -XXXX XXXX XXXX XXXX # XXXX ( Correct the status-account is open ) XXXX XXXX XXXX XXXX # XXXX. These items are having a huge negative impact to my score and is depressing. In addition, I still have personel on my credit reports that are not mine and Ive asked that it be removed : XXXX XXXX XXXX Apt XXXX XXXX, VA XXXX. The correct spelling f my name : XXXX XXXX XXXX XXXX Employment Information : XXXX, XXXX ( Ive never worked with this employer )

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 2021-10-06
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:
I am writing to dispute these accounts XXXX and XXXX fraudulently opened in my name. also, XXXX and XXXX inquiries. I am a victim of identity theft. Please provide proof of claim with evidence that these companies have legal and lawful authority to collect? 1. Validation of the debt ( the actual accounting ) 2. Verification of claim ( a sworn affidavit or signed invoice! ) 3. copy of the contract binding both parties. Failure to substantiate the claim, please settle account immediately. Im challenging this account with XXXX, XXXX  and XXXX of the Federal Debt Collection Practices Act ( hereinafter FDC PA ), Fair Credit Reporting Act ( FCRA ). I will also file a complaint with the Attorney General. I will further pursue all of my legal remedy without further notice to XXXX, XXXX and XXXX. I have attempted to resolve this matter formally before filing a complaint and lawsuit! 
Please provide three things : 1. Validation of the debt ( the actual accounting ), and 2. Verification of claim against me ( a sworn affidavit or signed invoice! ), and 3. A copy of the contract binding both parties. 
I would be happy to pay any financial obligation I might lawfully owe as soon as these three documents are received. Im challenging this account with XXXX XXXX and XXXX of the Federal Debt Collection Practices Act ( hereinafter FDC PA ), Fair Credit Reporting Act ( FCRA ). Provides me with strict proof section 609 ( a ) ( 1 ) ( A ), I authorized this accounts such as signed applications or contracts in wet ink signature. Failure to substantiate the claim, Delete accounts immediately.

Company response to consumer: Closed with explanation