BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-26
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
identity theft someone use my information to rent an apartment and left with huge amount of unpaid rent on my name

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24
Company: The Phoenix Recovery Group
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I was not a resident at the property for over a year and my ex wife the tenant caused damages to the home and said it was XXXX to fix and all of a sudden I got hit with XXXX XXXX on my credit without any notice or chance to pay or fix the issue. I had been living in Florida over a year and her in the property for that time. I was never notified or given a chance to pay or fix the issue they just hit my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
on XX/XX/XXXX i sent dispute letters to XXXX XXXXXXXX, and equifax to verifiy these unfamiliar accounts and inquires on my report. Section 609 ( a ) ( 1 ) ( A ), of the Fair Credit Reporting Act XXXX XXXXXXXX, and equifax are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that XXXX XXXX, and equifax post on a credit report. I demanded to see verifiable proof with my signature that XXXX XXXX, and equifax have on file for the account listed below. Under the FCRA, unverifiable accounts must be removed and if XXXX XXXXXXXX, and equifax are unable to provide me a copy of verifiable proof like a contract with my signature 30 days after my dispute then XXXX XXXXXXXX, and equifax must remove the account listed below. it is now XXXX almost 60 days since i sent my letter and they haven't even responded by law they must remove all accounts and inquiries listed below. 
The following accounts and inquiries is not mine and needs to be deleted XXXXXXXX XXXX XXXXXXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Account XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-02
Company: Experian Information Solutions Inc.
State: TX
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. 

Account name : XXXX  XXXX XXXX # XXXX 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 2023-05-26
Company: EQUIFAX, INC.
State: TN
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. 


Account name : Untitled Account Number : XXXX Account name : XXXX Account Number : XXXX Account name : XXXX Account Number : XXXX has violated my rights. Or 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-26
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:
Due to the financial effects of the XXXX pandemic in XXXX, I was could not continue making the lease payments and I voluntarily surrendered a XXXX XXXX  at the XXXX dealership where I acquired the vehicle. The vehicle was accepted by the dealership and proceeded to sell the vehicle. 
XXXX XXXX XXXX obtained a judgement against me on XX/XX/XXXX for {$13000.00} for what I believe to be the balance of the lease payments. 
XXXX XXXX XXXX has been reporting missed payments and increasing the balance due each month to the credit reporting agencies the entire time. 
This week on XX/XX/XXXX, my credit score suddenly dropped 45-65 points across all 3 credit bureaus despite the judgement being assigned by the court over 1 year ago.

My disputes with all 3 credit reporting agencies have not resolved the matter on my credit report and my credit scores remain 45-65 points lower than they were on XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-16
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX 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 2023-05-26
Company: EQUIFAX, INC.
State: TX
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 XXXX Account 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 instruction.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-26
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
To XXXX Equifax XXXX : The Fair Credit Reporting Act ( FCRA ) allows me to dispute any information on my credit report that I believe is inaccurate. This law requires all data included in a consumer 's file be documented and validated before it can go live for use by creditors, so I take this seriously! The allegations of delinquency and derogatoriness against me are false. I will fight back with all my strength! The accuracy of your credit report is crucial. The allegations you are reporting on do not meet federal or state requirements for reporting and can not be confirmed. I challenge this claim because it lacks compliance by meeting some basic standards that would make me feel more confident in what's being said. You are required to maintain and report data with complete accuracy and compliance. You must not report any claims that you know should be in compliance with regulations. We need to make sure all of your claims are accurate and reported in the correct format. This is required by law ( FCRA ) as well as reporting standards METRO 2+, so please take care with this! However, I request evidence that shows why my accounts are considered to be in a negative state. The proof of a permissible purpose for the inquiry or account within my report must be included. This letter serves as notice that you are not doing your job properly. It is imperative for this issue to be resolved immediately or else there could potentially be serious consequences, so I'm giving you 30 days from now ( the date of delivery ) in which time hopefully everything can become clear and correct itself with no need for intervention or escalation! I would like to receive physical proof of your actions and my updated credit report. The listed claims appear to be inaccurate. Please provide accurate and verified information for each claim, as the allegations are not true or I'll delete them immediately if that is indeed the case!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-26
Company: EQUIFAX, INC.
State: AZ
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 was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent.

15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 SANTANDER Account Number : XXXX  Please remove it from my credit report.

15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 MIDLANDCRE Account Number : 31790 Please remove it from my credit report.

15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT MIDLANDCRE Account Number : XXXX  Please remove it from my credit report.

7here is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 

2. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 

3. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The 3 Credit Bureaus have failed to comply with air Credit Reporting Act, 15 USC Section 1681i within the time set forth by law and continued reporting of unverified information which now, given all my attempts to address it directly with the creditors, as willful negligence and non-compliance with federal statutes. These statuses are damaging to my report, which would not be happening if the bureaus are investigated properly before posting derogatory information. REMOVE THESE ACCOUNTS COMPLETELY FROM MY CREDIOT REPORTXXXX XXXX XXXX, XXXX XXXX  Inquiry Date XXXX Inquiry Date XX/XX/2021 AND XXXX XXXX, XXXX XXXX Inquiry Date XX/XX/2021

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-26
Company: EQUIFAX, INC.
State: IA
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 Rights is continue to be violated, This the correct info that should be showing on my credit report. 

Name : XXXX XXXX Date Of Birth : XXXX Social Security Number : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX Iowa XXXX any other address or names is not legal. 
I'm citing the laws below, The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written permission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-27
Company: EQUIFAX, INC.
State: IN
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 have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-26
Company: EQUIFAX, INC.
State: PA
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:
EQUIFAX  IS  IN  WILLFULL  VIOLATION  UNDER  15 USC 1681e -  COMPLIANCE PROCEDURES.  EQUIFAX  HAS  BEEN  GIVEN  PROPER  NOTICE  OF  THEIR VIOLATI  ON  AND  CONTINUE  TO  PLAY  CHILDISH  GAMES  AND  PROLONG  THEIR   GRAVE  DUTIES  AND  OBLIGATIONS.  EQUIFAX  WAS  REQUESTED  TO EXERCISE  THEIR  GRAVE  DUTIES  AND  FCRA  OBLIGATIONS  UNDER  15 USC 1681a(1)(2) - EXCLUSIONS -- AND  REMOVE   ALL  TRANSACTIONAL  ACCOUNTS THAT   CONGRESS  HAS  DEMANDED  BE  REMOVED  UNDER  THIS  PROVISION. UNDER  THIS  PROVISION. EQUIFAX  HAS  INSTEAD  SENT  A  LETTER  STATING  THAT  THEY  COULD  NOT  VERIFY  ME  WHEN  IN  FACT  IT  IS  A  STALL  TACTIC  BECAUSE  EQUIFAX  WAS  GIVEN  PROPER  VERIFIABLE  DOCUMENTS  LIKE  MY  LICENSE  AND  A  BILL.  EQUIFAX  IS  CHOOSING  TO  NOT  PERFORM  ITS  DUTIES  WITH  REGARD  AND  RESPECT  TO  THE  CONSUMER  AND  IS  WILLFULLY  VIOLATING  FCRA  REQUIREMENTS.  EQUIFAX  HAS  ALSO  COMMITTED  FRAUD  BY  FURNISHING  TRANSACTIONAL  ACCOUNTS    THAT  HAVE  BEEN  CHARGED  OFF  AND  WRITTEN  OFF  WHICH  IS  AGAISNT  FEDERAL  COURT  CASE  LAW  RULING  Mund v. Transunion Persinger v. Sw. Credit Sys  WHERE  IT  WAS  RULED  ACCOUNTS  THAT  HAVE  BEEN  CHARGED  OFF  SHALL  NOT  BE  REPORTED  FOR  THE  DEBT  NO  LONGER  IS  OWED  BY  THE  CONSUMER.  EQUIFAX  HAS  STATED  THE  ACCOUNTS  MEET  FCRA REQUIREMENTS  SO  I  DEMAND  EQUIFAX  PORVIDE  SUCH  REQUIREMENT  STANDARDS  IN  RELATION  TO  15  USC  1681a(1)(2)  AND  15  USC  1681e.  EQUIFAX  IS  AN  ELABORATE  MECHANISM  THAT  ASSUMED  ITS  ROLL  TO  REPORT  NEGATIVE  TRANSACTIONAL  INFORMATION  ON  MY  CONSUMER  REPORT   THAT  CONGRESS  DEMANDS  NOT  BE  REPORTED  AND  HAS  ALSO  COMMITTED  FRAUD  BY  REPORTING  COLLECTION  INFORMATION  WHICH  IS ALSO A VIOLATION  UNDER  THE  FCRA  AND  FEDERAL  COURT  CASE  LAW   AND  CLAIMS  IT  MEETS  FCRA  REQUIREMENTS  IN  HOPES  TO  TRICK  AND  LIE  TO  THE  CONSUMER  AND  C.F.P.B.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26
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:
Hello, After researching the Fair Credit Reporting act. The accounts I have listed below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
I told the XXXX, XXXX and Equifax to reinvestigate these accounts : XXXX XXXX XXXX ( XXXX ), XXXX XXXX XXXX XXXX }, XXXX  XXXX  { XXXX }, XXXX XXXX XXXX XXXX XXXX ), XXXX XXXX XXXX ( XXXX ), XXXX TXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) However they stated everything was complete and accurate, How is that POSSIBLE if the Open Dates, Last Activity Dates and time of payments are incorrect? According to 15 USC 1681i ( 5 ) they are required to modify accounts that isnt reporting correctly or accurately.

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 information is inaccurate.

They did not provide me with any original contracts with wet signatures for any of the above companies as well as the Forward Flow Agreements.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-16
Company: NAVY FEDERAL CREDIT UNION
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/XXXX around XXXX I received a notification from XXXX XXXX stating that a new collection was added to my credit report as I proceded to go take a look I noticed it was from a navy federal creditor in which was reopened by a collection agency by the name of XXXX XXXX XXXX XXXX I was stunned to see that over XXXX $ was used on a credit card that I had NOT a piece of knowledge about or how it was even put in my name l check my credit and monitor it daily and wasn't sure how this could even be possible. The date it said it was opened was back in XXXX XXXX on the XXXX, I was never aware of this problem until the date XX/XX/XXXX I've contacted Navy Federal stating my situation and all other credit bureaus such as XXXX, XXXX, and XXXX and also obtained a police report to report identity theft in an attempt to get the problem removed, disputed, investigated and resolved.This Problem Has had me stressed since the day it occurred and hope it can get fixed as soon as possible

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26
Company: EQUIFAX, 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. 

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2023-05-27
Company: EQUIFAX, INC.
State: TX
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 XXXX  Account # XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXXXXXX, 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

Company response to consumer: Closed with non-monetary relief