BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-14
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In XX/XX/, my XXXX credit card payment was reported as late and with an incorrect past-due amount to the credit bureaus. This has significantly affected my credit score, where it has decreased by over XXXX points with numerous cards limiting my available balance because of the alleged supposed increase in my risk profile. I believe I was enrolled on autopay, I do on most of my cards. I did not receive any notification in the mail about any late payment as required by the FDCPA and the RFDCPA, since I'm a California resident. To the extent my payments were late because I was not properly enrolled on autopay, I have no problem paying a late fee per my contractual obligations. But the payments should not have been reported as late to the credit bureaus without offering me a fair warning to fix the situation. At a minimum, I should have been given official notice to make the payment before it was reported as later. Indeed, as soon as I saw the credit bureau late payment report, I immediately paid the balance to bring back the account as current.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-27
Company: Experian Information Solutions Inc.
State: AL
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 am a victim of identity theft please remove this fraud inquiry from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-14
Company: Resurgent Capital Services L.P.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Dear Consumer Financial Protection Bureau, I am writing to dispute and request the removal of inaccurate and fraudulent information from my credit reports, as well as to address the ongoing false claims made by collection agencies. The following addresses and accounts were created in fraud, and I have legal documentation to support my claims. 

Fraudulent Address : XXXX XXXX XXXX XXXX, XXXX, PA XXXX XXXX XXXX XXXX, XXXX, PA Fraudulent Accounts : LVNV FUNDING LLC XXXX {$2400.00} - Went to court** Legal proceedings related to Case Docket XXXX File No XXXX, XXXX, PA Court . I won in court, proving I never lived at the address. The person who stole my identity used a fraudulent internet account for payments and credit increases. 
LVNV FUNDING LLC XXXX {$1200.00} - XXXX XXXX* LVNV FUNDING LLC XXXX {$440.00} - XXXX XXXX* LVNV FUNDING LLC XXXX {$920.00} - XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$3000.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX {$1600.00} - No Data** Court Case Reference : Case Docket : XXXX File No : XXXX Location : XXXX, PA Court I have attached the necessary court documents proving my innocence and the fraudulent nature of these accounts and addresses. XXXX has failed to remove the address XXXX XXXX XXXX XXXX, XXXX, PA, and I request its immediate removal. 

Moreover, I have disputed the collection claims through the collection company and the credit bureaus, and the information has not been removed. This false reporting is holding my credit hostage. 

If the collection agencies choose not to remove these false reports, I demand that the cases be moved to arbitration. THE collection agencies need to initiate an arbitration proceeding with XXXX or XXXX I do not want my case made public, as I have already been through one case publicly for something I am not at fault for, and the experience was degrading. 

I expect your prompt attention and cooperation in resolving these matters. Please confirm in writing the removal of specified accounts and addresses and provide guidance on initiating arbitration proceedings. 

Thank you for your immediate attention to these serious matters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05
Company: Experian Information Solutions Inc.
State: NJ
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company 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 2022-10-12
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:
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 XXXX XXXX XXXX. 

XXXX XXXX XXXX XXXX - - -No Data XXXX  XXXX XXXX {$32.00} XXXX XXXX XXXX {$25.00} XXXX XXXX XXXX XXXX {$0.00} {$0.00} XXXX XXXX XXXX XXXX {$0.00} {$0.00} XXXX XXXX XXXX XXXX {$0.00} {$0.00} XXXX XXXX XXXX XXXX {$0.00} {$0.00} XXXX XXXX XXXX - - -No Data XXXX XXXX XXXX {$37.00} XXXX  XXXX XXXX XXXX {$30.00} XXXX XXXX XXXX XXXX {$48.00} XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX  XXXX {$0.00} XXXX  XXXX {$10000.00} {$260.00} XXXX  XXXX {$0.00} {$0.00} XXXX XXXX XXXX U XXXX {$860.00} XXXX XXXX XXXX XXXX XXXX {$660.00} XXXX XXXX XXXX XXXX XXXX - - XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$340.00} XXXX XXXX XXXX XXXX XXXX {$5400.00} {$100.00} XXXX XXXX {$0.00} - - -No Data XXXX XXXX XXXX XXXX {$30.00} XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX {$0.00} XXXX XXXX OF XXXX XXXX {$0.00} {$0.00} 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 information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-31
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I was never notified by this company of this debt in writing by law, therefore was never given the opportunity to dispute this debt that does not belong to me. 
1. XXXX XXXX XXXX, account ; XXXX, this account is not mine. 
2. XXXX XXXX, XXXX, account ; XXXX, this account is not mine. 
3. XXXX XXXX, account ; XXXX, this account is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company 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 2023-09-27
Company: Experian Information Solutions Inc.
State: OK
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:
Bankruptcy XXXX Case number XXXX XXXX RE : Results of Reinvestigation I recently contacted XXXX @ XXXX XXXX XXXX XXXX ) regarding information associated to to my file. In accordance the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 es seq. ), XXXX filed my dispute regarding the following data with the listed entity. 

Dispute date : XX/XX/2023 Dispute Filed with : XXXX As of the date of this letter, the Disputed information was removed from my file at XXXX. Please note when information is removed from my consumer reports provided by XXXX as a result of a dispute or request, that change is only applicable to the reports generated by XXXX. XXXX have Disputed this information on XX/XX/2023 on my behalf with the Credit Bureau listed below, but have not received a response from it.

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 2023-11-07
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: Personal information incorrect

Complaint:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2023-10-27
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account NumberXXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company 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 2023-09-27
Company: Experian Information Solutions Inc.
State: MA
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:
Please verify these accounts and inquiries, as they are incorrectly placed Accounts incorrect : Account Number XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX XXXX XXXX XXXXXXXX Account Number XXXX Date Opened XX/XX/XXXX XXXX XXXXXXXX Account Number XXXX Date Opened XX/XX/XXXXXXXX XXXX XXXXXXXX Account Number XXXX Date Opened XX/XX/XXXX Inquiries incorrect : 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 explanation
Consumer complaint received 2023-11-07
Company: Experian Information Solutions Inc.
State: PA
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 and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27
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:
My name is XXXX XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company 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 2022-10-17
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:
I am a victim of identity theft : XXXX XXXX has fraudulent accounts on my credit profile that need to be removed immediately. I am urgently demanding that the reporting of this information be blocked and deleted immediately. I further affirm that my request to block and delete this erroneous information is NOT being made in error ; nor is my request to block and/or delete this information being made on the basis of a material misrepresentation of fact by me relevant to any transaction by me as the consumer.

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 2023-11-07
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
i got a copy of my credit repor not to long a go and i saw multiple accounts listed there and y never applied for never used and never profited from accounts it conseques of indentify theft accounts are listed below XXXX XXXX XXXX XXXX {$1400.00} XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX XXXX {$42000.00} XXXX XXXX {$84000.00} XXXX XXXX, {$37000.00} XXXX XXXX XXXX XXXX {$26000.00} XXXX XXXX, {$1700.00}

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 explanation
Consumer complaint received 2023-12-19
Company: ALLY FINANCIAL INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In XXXX of 2023, Ally Financial reported me as being delinquent two payments on my vehicle. This was shocking as since the inception of the loan several years prior, I had set them up on auto pay and had never been late. I checked my bank account and both payments had been swept on time and cleared. I provided confirmation numbers to Ally, but they insisted these payments had not been made. Upon further investigation with my bank, XXXX XXXX XXXX, I learned that at some point in XXXX, the two organizations changed the manner in which they transfer funds electronically ( or not ) between each other. Without alerting consumers, they changed this method, to what I believe may a manual check process. Addresses were provided unbeknownst to me between the organizations, several of them wrong, with checks being returned and reissued multiple times, again completely without my knowledge. Once I was finally in the loop, I made an immediate payment over the phone plus penalties ( and have still not been reimbursed by either organization for that ) to catch up. XXXX XXXX XXXX issued an immediate good faith letter for their role and Ally assured any negative impacts to my credit would be handled. I was in the process of buying a home, and as I have few credit lines, this single event dropped by score by XXXX points. Ally did nothing in the 6 weeks I was closing to assist in clearing up this issue, and in fact, continue to refuse to correct it, even after I disputed the negative reporting with all three credit bureaus. I have contacted Ally on multiple occasions by phone, each time they claim to have not received the good faith letters from XXXX XXXX XXXX, even though they have been faxed multiple times, I have provided them via their website, they were on the phone with the bank directly etc. Additionally, after receiving their letter stating that they were not changing their credit report on the incident, they have no physical address available to address future letters to, and their online portal did not recognize my account be email or username. After calling again and being told there is no way to send a letter, I threatened legal action, and then, and only then did they provide a XXXX XXXX XXXX of which I doubt I will ever receive any response to. I asked for a physical address or any address a certified letter can be sent to as was told it does not exist. Massive financial organizations like this hope to wear consumers down by making communication and information nearly impossible. These inaccurate negative reports have hugely impactful real world implications to me and all, and I appreciate any help you can provide in this process. Thank you.

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 2023-11-07
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have made several attempts to dispute the presence of these accounts on my credit report, as they do not pertain to me. Despite my efforts, these disputed accounts continue to be reflected in my credit history. Additionally, I have filed multiple FTC reports concerning these erroneous accounts. 

These companies have declined to address these disputes, even though they are legally obligated to do so. 

Account /name : XXXX Account Number : XXXX Account /name : XXXX Account Number : 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 2022-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Ive noticed unauthorized inquiries on my report OR someone applied for something in my name. AND Fair Credit Reporting Act ( FRCA ) requires all unverified and unauthorized items must be removed from my credit report. Also, My information might have been impacted by the XXXX data breach and may have got into the hands of the wrong person. 


1 ) XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX ( XXXX ) XXXX 2 ) XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX 3 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX XXXX XXXX XXXX XXXX 4 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX 5 ) XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, DE XXXX ( XXXX XXXX XXXX 6 ) XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX 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 2022-10-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
On XXXX XXXX I returned my remittance transfer coupon paid in full on my 2 capital one credit cards and I even made my payments before the due date of XXXX XXXX to find out today XXXX XXXX that the company closed both my accounts without notice I have never been late on a payment capital one is in violation of US code 16930-1 and public law 106-229 I am requesting swift adverse action and my cards paid in full and reopened and reported on time as they always are and were. Best regards XXXX XX/XX/22

Company response to consumer: Closed with explanation