BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-09
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the files that are attached. I want the bureau to look into these accounts where they are reporting me as being late despite the fact that I am always on time. HOW COME THEY ARE REPORTING ME LATE WHEN I WORKED HARD TO PAY THIS OFF ACCOUNTS MONTHLY? THAT IS INEVITABLE!

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 2019-11-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX. My DOB XX/XX/XXXX and my SS XXXX. I am filing a complaint due to the following information below. I am requesting that the credit reporting agencies promptly remove/delete these addresses they are not accurate : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX, XXXX, AZ XXXX XXXX XXXX XXXX, XXXX XXXX, OH 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 2023-05-09
Company: Experian Information Solutions Inc.
State: NJ
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:
In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-03
Company: EQUIFAX, 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:
Regardless of the multiple written requests, the unverified account listed below is still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the bureau, as willful negligence and non-compliance with federal statutes. Please CORRECT the account in my Credit Report : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-16
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Account status incorrect

Complaint:
I reached out to Capital One Bank on numerous occasions regards to the inaccurate late reporting for the entirely XXXX  year on a closed account I pervious had open with Capital One This account was not late in XXXX ; on XX/XX/XXXX account was paid in full and closed by Capital in XX/XX/XXXX. XXXX shows Capital one account late for the entire XXXX  year ; this is inaccurate information. XXXX shows Capital One account closed XX/XX/XXXX, and XXXX shows account last payment XX/XX/XXXX ; Capital One refuses to report correct information on my credit report. Instead Capital One email letters stating account appears to be at a XXXX  balance as of XX/XX/XXXX, and the account was closed and has been since XX/XX/XXXX. See attchments I have spoken with XXXX ID XXXX ; I talked to supervisor XXXX ID   XXXX ; he provided it a case # XXXX. I talked to XXXX ID XXXX, and my credit report has no been corrected it

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting 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:
Subject : Complaint Regarding Unathorized reporting of personal information Dear Consumer Financial Protection Bureau I am writing to file a formal complaint against Experian and XXXX. Credit reporting agencies for what to be a violation of Consumer law as outlined in 16 U.S Code 1681b ( a ) ( 2 ). I am deeply concerned about the unauthorized reporting of my personal information without my consent, which is clear breach of my rights as a consumer under the Fair Credit Reporting Act ( FCRA ) I have never authorized Experian nor XXXX to collect or report this information. This Unathorized reporting has had a negative effect on my credit profile and financial standing, potentially affecting my ability to secure loans, housing, or employment I have made attempts to contact Experian and XXXX, on XXXX but I have not received a satisfactory response or resolution from them I kindly request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action to ensure that XXXX and Experian comply with federal appropriate actions and ensure that Experian and XXXX comply with federal consumer protection laws. Furthermore, I would appreciate if you could keep me informed about the progress and outcome of your investigation. 

Enclosed with this complaint are copies of relevant documents. I appreciate your prompt attention to this matter and your commitment to uphold consumer rights. 

Thank you for your assistance on this matter 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 2023-12-12
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have been disputing multiple accounts with this agency on multiple occasions and have yet to be properly assisted. I have updated my personal info and still incorrect information is connected. I have these exact accounts apart of a lawsuit due to negligence. The same accounts are being added multiple times to change the ages. I am a XXXX  mom who has a XXXX XXXX XXXX  baby. I can not get a car, a decent income source, credit or a home. I didnt know what to do so Ive come to taking legal action. I am needing desperately to get into a vehicle before the year is over because I live in a cold state. I want to get my baby a home of our own this upcoming year as well. 

I have been receiving calls, texts and emails in regards to these fraudulent accounts that should not be attached to my profile. This has been depressing and very life alternating. 

I have attached the tracking number for the latest dispute and personal info update submitted. I have yet to hear back about updates or investigation status.

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 2022-09-12
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:
This is my eight endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$3100.00} and XXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}.

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 2022-03-03
Company: EQUIFAX, INC.
State: NC
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 very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-18
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I have made multiple calls about this throughout the year over 20 calls. I've been told it's being investigated or handled. I hear nothing back, then after a month or two I would receive another paper bill that has the same charges on them. I don't even know the individual amounts because the bills do not include what was charged. 

Now I am being called/threatened daily that the account is about to go into collections and when I call they say they need to verify by mail that's going to take 7-10 business days. 
I've basically been stonewalled for at least 6 months.

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 monetary relief
Consumer complaint received 2023-12-12
Company: Experian Information Solutions Inc.
State: VA
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:
XXXX XXXX XXXX XXXX and Experian Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against XXXX and Experian regarding multiple violations of the Fair Credit Reporting Act ( FCRA ) and federal law concerning identity theft reporting on my credit report. I have repeatedly informed both agencies about the identity theft, providing necessary documentation such as police reports and identity theft reports. Despite numerous notifications, the inaccurate information persists on my credit reports.an accounts opened in my Name for XXXX XXXX XXXX XXXX and XXXXXXXX XXXX was from Id theft I've send my police report and id report in numerous times these company 's are in violation of federal law and need to have some consequences I believe these ongoing violations not only jeopardize my financial standing but also demonstrate a blatant disregard for the legal obligations outlined in the FCRA. As a result, I am left with no choice but to consider pursuing legal action, including the initiation of a class-action lawsuit, unless immediate corrective actions are taken. 

I kindly request that the Consumer Financial Protection Bureau investigates this matter thoroughly and takes appropriate actions against XXXX and Experian to rectify the violations promptly. 

Thank you for your attention to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17
Company: Experian Information Solutions Inc.
State: MI
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written Instructions. 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 An 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. 

GOVERN YOURSELF ACCORDINGLY.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16
Company: EQUIFAX, 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: Account status incorrect

Complaint:
company reports that I was late on my auto loan payment 16 months in a row. The information they reported is inaccurate and false. I tried disputing with the directly and the credit bureaus such as XXXX Equifax and XXXX  and they have failed to verified such allegations. no one is willing to help me or show proof that I was in fact late. each bureau has different count of days late the same month and year. XXXXXXXX XXXX XXXX XXXX             Equifax               XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
as you can see nothing matches and the reporting on them are different on all 3 bureaus some are stating 30 days late but on another the same month and year says 90 days its absurd and need to changed to pay as agreed on all 16 months

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. The CAPITAL ONE account is inaccurately and erroneously reported. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623. I have done many attempts to reach out to XXXX Credit Bureau but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. I was never late.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09
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:
This is not my account. I have never signed for, authorized written instructions for this consumer to open an account, any personal information obtained by XXXX XXXX XXXX account # XXXX is inaccurate and obtained fraudulently. This consumer is reporting debt collection on all three credit bureaus with unverifiable information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting 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 SEVERAL UNAUTHORIZED CREDIT INQUIRIES ON MY CREDIT REPORT. THEY ARE LISTED BELOW. 
XXXX, EXPERIAN XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX. PLEASE REMOVE IMMEDIATELY.

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 2023-06-18
Company: Adler Wallach & Associates, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Account date open : XXXX Account name AWA COLLECTIONS Account number XXXX Balance : {$5.00}, XXXX Original balance : {$4300.00} No knowledge of this debt, no valid contracts with lender, has impacted my credit negatively thisnwas also during then time I had fraud alerts due to idenitty theft so account should have no been opone with out credit application being verify with proper identity theft alerts process.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30
Company: CONGRESS COLLECTION CORP
State: MI
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2023 I noticed the debt collection on my credit report. I called Congress collection to inquire and he was very aggressive in his way of communication. I simply asked for the following to be mailed to me : proof of my wet signature and/or contract with the physician, the creditor information, payment history and the itemized billing information, and proof of ownership for Congress Collection . He said he does not have to provide me with any of those and in order to receive an itemized bill, I must put in a request in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12
Company: Experian Information Solutions Inc.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am tired of sending dispute letters to Experian requesting that they correct these erroneous accounts being reported on my XXXX XXXX because they have been doing nothing! This complaint is to follow up my previous complaints and letters I submitted on XX/XX/XXXX and to inform them that I am halfway of taking legal action and sue them for their willful non-compliance of the FCRA statute. Only if Experian chose to update and correct the following accounts on my Credit report, then I may stop filing lawsuits against Credit reporting agencies. The accounts that should be corrected are as follows : XXXX XXXXXXXX XXXX Date opened XXXX XXXX, XXXX Balance XXXX XXXX-Late/Open Late Date XXXX, XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance XXXX XXXXXXXX-Late/Open Late Dates XXXX, XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance $ XXXX Late Dates XXXX, XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance $ XXXXLate/Open Late Dates XXXX, XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX XXXX XXXX XXXX-Late/Closed Late Dates 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 2023-05-09
Company: Experian Information Solutions Inc.
State: NC
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:
In accordance with the Fair Credit Reporting Act, this creditor has violated my rights. Under 15 USC 1681 Section 602 states, I have the right to privacy. 15 USC 1681 Section 604a Subsection 2, it also states that consumer reporting agencies can not furnish an account without my written instructions. Under 15 USC 1666a, a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03
Company: Medical-Commercial Audit Inc
State: MO
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/2022 XXXX researched a collection account and provided me with the contact information of MEDICAL COMMERCIAL AUDIT INC in XXXX XXXX, MO. 
On XX/XX/2022 I sent a certified letter to MEDICAL COMMERCIAL AUDIT INC requesting they send me proof that they attempted to validate this alleged debt PRIOR to reporting this tradeline to my credit report by providing me a signed delivery slip or tracking number OR remove this collection from my credit report. 
On XX/XX/2022 in response the debt collector sent several documents, ( a ) a bill [ {$41.00} ], ( b ) a copy of a drivers license, ( c ) a medical account summary listing medical procedures, ( d ) a HIPAA notice. 

This is not the documentary evidence I clearly requested. The documents I was sent, including the bill, says this debt collector was ASSIGNED this account. This assignment, the furnishing of it to my consumer report as a means of bringing harm to me and my financial reputation, and the fact that this agency has a means of my identity without my authority to coerce me to pay them is a violation of 18 USC 1028A - Aggravated Identity Theft.

The FTC says that debt collectors can not furnish first and ask questions later when it comes to consumer reports, also known as debt parking. 
The furnishing of this collection to my credit report is in violation of 15 USC 1692d and the furnisher is engaging in unlawful extortion activities.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief