BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-23
Company: EQUIFAX, 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 information incorrect

Complaint:
The XXXX XXXX XXXX XXXX is reporting an old alleged debt that has been previously invalidated and removed from my credit. They claim to be the holders of 2 accounts ; Original Creditor " XXXX XXXX XXXX XXXX '' Amount Owed : {$2200.00} Account # : UNKNOWN Original Creditor is ; " XXXX XXXX XXXX '' Amount Owed : {$9700.00} Account # : UNKNOWN both these accounts were never validated after a lawful request, Specifically, EQUIFAX and XXXX are violating my rights under the following FCRA laws ; 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. 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. It is unlawful to reinsert accounts previously deemed invalid onto my credit report just because a new DEBT COLLECTOR/DEBT BUYER has acquired and is reporting the exact same debt. The CRA is required to reinvestigate and verify the information before reporting it. This repeated insertion of these invalid accounts are causing me financial as well as emotional damage as I have been denied a mortgage. I have been rendered XXXX for the last 30 days because of this. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. I am submitting this CFPB complaint to you today to request the correction of the following disputed accounts and information from my Credit report. I have read that the Credit Reporting Agencies are required to provide copies of proof of documents or verification bearing my signature. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : CALIFORNIA DEPARTMENT OF CHILD SUPPORT SERVICES UNKNOWN XXXX Balance {$9600.00} Date opened XX/XX/2018 CALIFORNIA DEPARTMENT OF CHILD SUPPORT SERVICES UNKNOWN XXXX Balance {$4300.00} Date opened XX/XX/2018 XX/XX/2018

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 2022-08-22
Company: EQUIFAX, 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:
Despite the multiple written letters I sent to the 3 Credit Bureaus, my request for proper verification and deletion of the fraudulent information on my credit reports has been ignored. The last letter I sent to XXXX, Equifax, and XXXX Credit Bureaus was dated XX/XX/XXXX, but no Response was ever received from them. I have reviewed a copy of my updated credit reports and it is clear that the Credit Bureaus have ignored my requests. Their willful non-compliance has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following Fraudulent Information listed below are still reporting on my credit report and have caused a large decrease on my credit score. I am hoping that you may be able to help me and have these items deleted as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance {$0.00} Date opened XX/XX/XXXX -late

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-22
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:
I have been submitting letters on XX/XX/XXXX to XX/XX/XXXX with complete attachments of my personal information and credit reports. Nevertheless, the requests I have sent out were consciously denied and neglected which I considered being unprofessional on the Bureaus end. This will be my last attempt to request all documents to be provided and issued to me. Not fulfilling with my request should result to immediate removal of the unauthorized inquiries listed below. I was a victim of identity theft and the disputed inquiries do not make sense to me. Under the provisions of the FCRA section 605b, I am requesting that the Credit Reporting Agencies remove the following disputed inquries completely from my Credit Report ; XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX  Inquired XXXX XXXX, XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX 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 2022-08-22
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 a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Clearly XXXX did not throughly review any complaint I have filed because the credit reports are supposed to match all 3 buearus XXXX saw the errors and immediately deleted I have provided proof below

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 2022-11-25
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Back on XX/XX/XXXX I opened an account with XXXX which was a loan. After a XXXX XXXX of paying it off, they stopped taking my payments from my account. I attempted to contact them XXXX times through email and phone. Every time I contacted them I was either unable to get through to a person or they just refused to help me. 
The account in question is : XXXX XXXX Acct. # : XXXX XXXX This is a pattern with this company as according to the XXXX XXXX XXXX they have received XXXX  complaints regarding this exact same issue : XXXX  files indicate a Pattern of Complaints concerning fulfillment of transactions, billing errors, and customer relations for XXXX XXXX XXXX XXXX  has noted a significant spike in consumer complaints filed since XX/XX/XXXX, and consumers are telling XXXX about the issues they are experiencing with their accounts and the company 's customer service department XXXX A number of consumers say they have problems making loan payments, experience errors or holds in transactions they attempt when using XXXX of XXXX 's financial products. Other customers claim the confusion and technical issues with their XXXX accounts have resulted in missed payments being reported to credit bureaus ; some of which consumers claim are erroneous and have to be disputed. Many consumers allegedly attempt to contact the company to resolve their problems but end up frustrated and without resolution by the lack of communication by the company. As of XX/XX/XXXXXXXX XXXX is still noting persistent issues in complaints about account issues ( frozen or closed accounts, credit report errors, missing or delayed application of payments ), as well as numerous claims about the lack of sufficient customer service to address the reported problems. 

I have filed XXXX  disputes and complaints regarding this company, all of which have been unsuccessful. I have been repeatedly trying to have this issue resolved over the past XXXX XXXX but due to XXXX 's deceitful and unlawful tactics, I have been unable to come to a fair resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-24
Company: EQUIFAX, INC.
State: SC
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. 
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. 

To Whom It May Concern : I recently received a copy of my consumer report and I noticed some accounts on my consumer report that should not be on there.

These agency is in violation of 15 USC 1681i ( 2 ) ( A ). They were to notify me of this in writing 5 days prior, I was not notified.

In addition to the Violation above pursuant 15 USC 1681ia ( 5 ) ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

As the original creditor, only I can validate this debt. I do NOT validate this debt. Therefore, the following accounts must be deleted from my consumer report immediately : Listed of accounts to be deleted. 

The above Accounts are inaccurate, the character is incomplete, you are reporting a charter amount that is incomplete and inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-22
Company: EQUIFAX, INC.
State: IL
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 fourth 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  XXXX Balance : - ; Bankruptcy XXXX  XXXX Reference # : XXXX ; Bankruptcy : XXXX XXXX Reference # : XXXX ; XXXX XXXX, XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; EQUIFAX MORTGAGE SOLUT XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14
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: Their investigation did not fix an error on your report

Complaint:
I needed a loan and just applied for one, unfotunately it was denied from the bank. So I pulled my credit report to see if I could see what the problem was.

I noticed a lot of items in my report were not correct, but somehow ended up on my report- this doesnt make sense to me as they arent accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16
Company: Experian Information Solutions Inc.
State: MO
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. 
MO CHILD SUPPORT XXXX. MO CHILD SUPPORT XXXX. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate it lists the Child Support court as the furnisher that's forgery and misleading when the courts don't report this type of account 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 instructions15 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 2022-06-23
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 information incorrect

Complaint:
The Furnisher XXXX XXXX XXXX is reporting an old alleged debt that has been previously invalidated and removed from my credit. They claim to be the holders of 2 accounts ; Original Creditor " XXXX XXXX XXXX XXXX '' Amount Owed : {$2200.00} Account # : UNKNOWN Original Creditor is ; " XXXX XXXX XXXX  '' Amount Owed : {$9700.00} Account # : UNKNOWN both these accounts were never validated after a lawful request, Specifically, XXXX and TRANSUNION are violating my rights under the following FCRA laws ; 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. 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. It is unlawful to reinsert accounts previously deemed invalid onto my credit report just because a new DEBT COLLECTOR/DEBT BUYER has acquired and is reporting the exact same debt. The CRA is required to reinvestigate and verify the information before reporting it. This repeated insertion of these invalid accounts are causing me financial as well as emotional damage as I have been denied a mortgage. I have been rendered XXXX  for the last 30 days because of this. ''

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 2023-10-02
Company: National Credit Systems,Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
National Credit Systems has made allegations about this debt for {$6800.00}. My husband and I have communicated with them via U.S. certified mail ( XX/XX/2023 ) requesting additional information and have not received a response. We have waited 30 days, plus an additional 5 days to give ample time to allow them to do their due diligence. I have attached all correspondence and tracking information for the certified letter. We have an unsubstantiated debt being reported to the credit bureaus and this is concerning to me as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27
Company: U.S. BANCORP
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In reference to my account with ELAN FINANCIAL SERVICES XXXX XXXX XXXX XXXX XXXX, XXXX XXXX I have sent many correspondences to them with no luck in resolving inaccurate information. 
XXXX XXXX, XXXX and XXXX none of their information is consistent or accurate. 

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 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 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  shows on time payments every other month. 

As you can see nothing is the same, there misinformation is hampering my ability to obtain a mortgage.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-25
Company: Certified Credit & Collection Bureau
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is from XXXX and the amount us {$990.00} We have been receiving Bills and now collection notice from XXXX XXXX XXXX. 
I had gone for a regular physical and the doctor had ordered blood work. I had clearly told the XXXX XXXX XXXX, XXXX NJ XXXX ( XXXX  entity of XXXX XXXX XXXX XXXX XXXX XXXX XXXX to send the blood work to XXXX XXXX the lab covered by my insurance. They did not send it to XXXX and instead did it at the XXXX XXXX XXXX and are now charging me for it. I am not responsible for their mistake. Especially when this should have gone to a lab covered by my insurance. 
I had reached out to them to inform of this mistake and they Lied to me saying it was send to XXXX. I checked with XXXX and there is no record of any bloodwork for me at that time. 
I sent XXXX XXXX another letter and asked them to correct this error. They did not get back to me and sent a collection notice date XXXX XXXX that I did not receive till XX/XX/XXXX. 
I would like your help in stopping this harassment by XXXX XXXX XXXX or trying to ruin my credit score for a bill that should not have been generated in the first place.

I tried calling Certified Credit and Collection and they disconnect the phone after saying they are helping other customers/. The File number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. 
1. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX I am a victim of identity theft please remove it from my report. 
2. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX I am a victim of identity theft please remove it from my report. 
3. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX I am a victim of identity theft please remove it from my report. 
4. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX I am a victim of identity theft please remove it from my report. 
5. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX I am a victim of identity theft please remove it from my report. 
6. The inquiry was not authorized XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX I am a victim of identity theft please remove it from my report. 
7. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX I am a victim of identity theft please remove it from my report. 
8. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX I am a victim of identity theft please remove it from my report. 
9. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX I am a victim of identity theft please remove it from my report. 
10. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX I am a victim of identity theft please remove it from my report.

11. XXXX Date of inquiry : XX/XX/XXXX I am a victim of identity theft please remove it from my report. 
12. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX I am a victim of identity theft please remove it from my report. 
13. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX I am a victim of identity theft please remove it from my 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