BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-28
Company: EQUIFAX, INC.
State: NY
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 am writing to formally dispute the presence of inaccurate information on my credit report, which I reported to Equifax on XX/XX/XXXX. Despite the passage of time since my initial contact, I have not received any response from Equifax concerning the concerns I raised. I hereby provide a comprehensive overview of the inaccuracies that require immediate resolution : Account Information : Creditor : XXXX ( Account # : XXXX ) Date Opened : XX/XX/XXXX Balance : {$320000.00} Issue : This account is not associated with me. I request that Equifax remove it from my credit report. 
Account Information : Creditor : XXXX Date Opened : XX/XX/XXXX Balance : {$5000.00} Issue : The balance stated is imprecise, and the past due section is inaccurate due to a closed and charged-off status. I intend to discuss the discrepancies with the creditor. Until rectifications are made, I request that this account be marked as disputed. 
Account Information : Creditor : XXXX XXXX ( Account Number : XXXX ) Date Opened : XX/XX/XXXX High Credit : {$32000.00} Issue : This account is not mine. I request that Equifax remove it from my credit report. 
Account Information : Creditor : XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$28000.00} Issue : The creditor is inaccurately reported, and the balance stated is higher than what I remember. I dispute the entire account due to these inaccuracies. Please verify the Date Opened and Date of First Delinquency. 
Account Information : Creditor : XXXX ( Account # : XXXX ) Date Opened : XX/XX/XXXX Balance : {$0.00} Issue : This account is not associated with me. I request that XXXX  remove it from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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, XXXX XXXX, consumer, and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). The List of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Delete this account immediately, unless you want to be held accountable {$1000.00} per violation 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. 

XXXXDEPT OF ED : ACCOUNT # XXXX ; DEPT OF EDXXXX : ACCOUNT # XXXX XXXX XXXX : ACCOUNT # XXXX ; XXXX XXXX XXXX  : ACCOUNT # XXXX XXXX XXXX XXXX : ACCOUNT # XXXX have 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.

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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-09-29
Company: EQUIFAX, INC.
State: LA
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'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 XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-05
Company: EQUIFAX, INC.
State: MD
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:
recently disputed negative items on my credit report and didn't get a response back

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-05
Company: Experian Information Solutions Inc.
State: IL
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 am writing to dispute the validity of the debt associated with the accounts reported by XXXX XXXX XXXX XXXX to the credit reporting agencies. I have strong reason to believe that this alleged debts is fraudulent, and its inclusion in my credit report is both inaccurate and damaging to my creditworthiness. As per the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I am entitled to receive validation and verification of this debt upon request. I hereby request that you provide me with all necessary documentation validating the debt, including a copy of the original contract or agreement, any statements reflecting my obligation, and the chain of ownership demonstrating how you acquired the alleged debts. All accounts listed in Identitytheft are opened not by me and follow the law must be removed from credit report immediately. Furthermore, I request that you cease all collection activities related to this account until you have provided the required validation. Any failure to comply with this request within the stipulated timeframe may result in legal action, including but not limited to a lawsuit for violations of the FDCPA and FCRA. Please be advised that I am aware of my rights under the FDCPA and FCRA and will not hesitate to pursue legal recourse if necessary. Additionally, I have already filed a report with the Federal Trade Commission ( FTC ) and law agency regarding this fraudulent account. 
I have been a victim of identity theft fraud. I have no idea of any of these accounts. I have never opened any of these accounts. Please review this and remove this as soon as possible.

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 2023-12-05
Company: Experian Information Solutions Inc.
State: SC
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I went to check my Experian credit monitoring account and saw a negative report for a bill owed to XXXX for a cell phone bill. The amount is for {$3600.00} and was updated as of XX/XX/2023. I do not own nor ever owned a XXXX XXXX phone or any other services with XXXX. I have a block on my credit report and have had it for some time. I contacted Experian on XX/XX/2023 and was told to make a report as I am doing right now.

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 2023-12-13
Company: EQUIFAX, INC.
State: IL
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'm reaching out to report that I've fallen victim to identity theft. After carefully examining my credit report, I've uncovered fraudulent transactions that I had no involvement in. I understand that consumer reporting agencies are responsible for maintaining the utmost accuracy of my credit report. The inclusion of these accounts undermines the integrity of my report and infringes upon my consumer right to privacy. I kindly request your assistance in promptly removing the specified accounts and associated documents from my report, as mandated by the Fair Credit Reporting Act, within a four-business-day timeframe. Thank You XXXX XXXX

Company response to consumer: In progress
Consumer complaint received 2023-12-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
On XXXX, I sent a letter to your company informing you that there was an account missing from my credit report that should be reporting. The account is XXXX XXXX XXXX  XXXX Authorized user ; Credit limit {$30000.00} ; Open date XX/XX/XXXX ; Contact XXXX. This affecting my credit as you know by not having this opened account report to all 3 credit reporting agencies. XXXX is reporting this account, so I am confused why Transunion and XXXX have failed to update my consumer report. I am requesting that you please include the additional information attached to my credit history report. I am an authorized user on a XXXX XXXX card for my family member and you are not reporting this information. You may verify this information with the source, and I have included their contact details. According to the Fair Credit Reporting Act ( FCRA ), Section 602 ( b ), I am permitted to have accurate and true information reflected in my credit report. To accomplish this, I am requesting that my positive payment history be added.

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 2023-08-29
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
See attached documents. Remove this personal information that does not belong to me.

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 2023-12-06
Company: Experian Information Solutions Inc.
State: GU
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 hope this letter finds you well. I am writing to bring to your attention an issue regarding my credit report in light of the XXXX data breach. I have recently become aware of unauthorized access to my personal information, and I believe it has led to negative accounts on my credit report without my consent. 

I understand that the Fair Credit Reporting Act ( FCRA ) grants me the right to dispute and rectify inaccuracies on my credit report. In accordance with this, I kindly request your assistance in investigating and, if found to be a result of the XXXX data breach, removing all negative accounts, charge-offs, and inquiries that have been reported without my permission. 

I have taken the necessary steps to secure my information and monitor my financial accounts more closely. However, the impact of these unauthorized accounts on my credit history has been a cause of concern. Your intervention in this matter would greatly help in restoring the accuracy and integrity of my credit report. 

Enclosed with this letter, please find supporting documentation related to the XXXX data breach and any additional information that might assist in your investigation. I appreciate your prompt attention to this matter and your assistance in resolving this issue. 

Thank you for your time and consideration.

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 2023-10-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
It is not belong to me. It is fraud! 
I strongly desire not to have this on 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 2023-06-11
Company: Experian Information Solutions Inc.
State: GA
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. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

1.XXXX XXXX ACCOUNT # XXXX has violated my rights.

2.XXXX XXXX XXXX XXXX ACCOUNT # XXXX has violated my rights.

3.XXXX XXXX ACCOUNT # XXXX XXXX has violated my rights.

4.XXXXDEPT OF ED ACCOUNT # XXXX XXXX has violated my rights.

5.XXXXDEPT OF ED ACCOUNT # XXXX XXXX has violated my rights.

6.XXXXDEPT OF ED ACCOUNT # XXXX XXXX has violated my rights.

7.XXXXDEPT OF ED ACCOUNT # XXXX XXXX has violated my rights.

15 U.S.C 1681 Section 602 A. I have the right to privacy.

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

15 U.S.C 1681c. ( a ) ( 5 ) 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 reporting agency if the person has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31
Company: Experian Information Solutions Inc.
State: VA
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30
Company: Experian Information Solutions Inc.
State: NM
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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file XXXX XXXX XXXX XXXX Balance : {$820.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$820.00} XXXX XXXX XXXX XXXXXXXX Balance : XXXXXXXX XXXX XXXXXXXX Balance : {$15000.00} XXXX XXXXXXXX Balance : {$900.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-29
Company: Westlake Services, LLC
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
On XX/XX/2023, I attempted to make my car payment through the West Lake Financials website. Due to the website was not accepting my payment at the time, I tried again to avoid my payment being late. On XX/XX/2023, I received XXXX emails saying that my payment had been processed and given XXXX different confirmation emails. To avoid having my account overdrawn, I contacted both Westlake Financial and Bank XXXX XXXX.XX/XX/XXXX XXXX suggested to avoid my payment being late, to contact Westlake Financial. I contacted Westlake Financial on XX/XX/2023 at XXXX PM EST. I was told by the first employee that they were unable to see on their system that they had processed my payment XXXX extra times. I requested a supervisor and was on hold for XXXX minutes. I hung up and called back immediately. The second employee I spoke to informed me that he did see the payments. I requested to speak to a supervisor when I was placed on hold for another XXXX minutes. When the employee came back on, I was told that he had canceled the extra payments to avoid my bank account being overdrawn. On XX/XX/2023, my account was overdrawn with a total of {$2800.00}. My car payment is {$700.00}. On XX/XX/2023, I called Westlake Financial to be told that they could only refund XXXX payment at a time and I would have to call again the next day, Monday, and Tuesday to be refunded each of my payments. I asked to speak to a supervisor and was told that they were unable to be reached, I was on hold for XXXX minutes until the employee hung up on me. I again immediately called back and asked for a supervisor. I was placed on hold for another XXXX minutes before speaking with a XXXX, XXXX. I made the XXXX, XXXX, aware of all incidents that had occurred and demanded the refunds be processed all at once. She then placed me on hold. When XXXX returned to the call, she informed me that she has processed the return for the XXXX payments that were not supposed to be processed. On XX/XX/2023, XXXX claims she returned my payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31
Company: Experian Information Solutions Inc.
State: WI
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:
I checked my credit report and to my surprise all three credit bureau ( Experian, XXXX XXXX, XXXX are reporting inaccurate information about a bankruptcy. Bankruptcy court stated they do not report to the credit bureau attached letter

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 2023-09-29
Company: EQUIFAX, INC.
State: OH
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 credi reporting ACT has violented my rights. 

Account 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  15 U.S.C 1681 section 602A State : I HAve the rights to Privacy. 
15 U.S.C 1681 section 604A section 2 : Its also state a consumer reporting Agency can not furnish a account without my written Instructions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-26
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:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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