BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-21
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:
I am writing to file a formal complaint regarding the inaccurate reporting on my credit report. According to the information provided by XXXX, Equifax and XXXX, there is a late payment listed on my account for XXXX XXXX XXXX. I would like to emphasize that I have never been late on this account, and I hereby request that you provide proof of this alleged late payment. 

I believe it is essential to address this issue promptly, as an inaccurate late payment notation can have a significant negative impact on my creditworthiness and financial standing. Therefore, I kindly request that you provide documented evidence of the alleged late payment, such as transaction records, to support your reporting. 

If you are unable to produce verifiable proof of the late payment in question, I insist that you take immediate action to delete this erroneous information from my credit report. As a consumer, I have the right to accurate and fair reporting, and any false or misleading information should be rectified in a timely manner. 

I trust that the Consumer Financial Protection Bureau will handle this matter with the utmost professionalism and diligence. I am confident that you will conduct a thorough investigation into my complaint and take the necessary steps to rectify the inaccurate reporting. 

I appreciate your attention to this matter and your prompt resolution of the issue. I look forward to receiving your response within the timeframe stipulated by law. Should you require any further information or have any questions, please do not hesitate to contact me at the phone number or email address provided above

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16
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: Their investigation did not fix an error on your report

Complaint:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be updated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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 XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-08
Company: Resurgent Capital Services L.P.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
To who it may concern this account was made without my acknowledgement and was setup fraudulent by XXXX XXXX phone number ( XXXX ) XXXX address XXXX XXXX XXXX XXXX FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be updated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX 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

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 2023-07-08
Company: M&T BANK CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
IM A VICTIM OF IDENTITY THEFT!!!

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 2023-07-08
Company: Capital Accounts, LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have made multiple attempts to have them validate the debt. Capitol Accounts Sends me a XXXX line response " Validating the debt ''

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-27
Company: EQUIFAX, INC.
State: MO
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 submitted a letter to the 3 Credit Bureaus last XX/XX/2023, to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again XXXX XXXX XXXX Balance : {$96.00} XXXX XXXX XXXX Balance : {$230.00} XXXX XXXX XXXXXXXX Balance : {$170.00} XXXX XXXXXXXX Balance : {$24000.00} XXXX XXXXXXXX Balance : {$96.00} XXXX XXXX XXXXXXXX Balance : {$230.00} XXXX XXXX XXXXXXXX Balance : {$170.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-08
Company: ERC
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I was informed of a collection account with ERC through credit karma after it was reported to the credit bureaus. I received no phone call, no email, nor did I receive a letter in an attempt to notify me of this account before reporting to the credit bureaus. The account itself was wrongfully opened by a telecom company who did in fact receive their returned equipment. In my attempt to reconcile, their agents were aggressive and condescending and lied about tactics used to establish contact

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07
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: Investigation took more than 30 days

Complaint:
I am writing to file a formal complaint regarding the lack of response from Transunion, XXXX, and XXXX, the three major credit reporting agencies, to my disputes. As per my records, I sent a second letter to all three companies on XX/XX/2023, but it has been well over 30 days, and I have not received any response from any of them. 

This failure to acknowledge my disputes within the specified timeframe is a clear violation of my rights under 15 USC 1681 ( a ) ( 1 ) ( A ), which states that Transunion, XXXX, and XXXX are obligated to respond to consumer disputes within 30 days. It is deeply concerning that none of these companies have taken the necessary steps to address my concerns and provide a timely resolution. 

To provide further evidence, I have included the tracking numbers from my certified mail for each respective company : - XXXX XXXX XXXXXXXX - Transunion Consumer Solutions : XXXX - XXXX XXXX XXXX XXXX : XXXX I request that the Consumer Financial Protection Bureau intervene and take appropriate action against Transunion, XXXX, and XXXX for their failure to comply with federal regulations. I trust that your agency will investigate this matter thoroughly and ensure that my rights as a consumer are protected. 

I appreciate your attention to this complaint and look forward to a prompt resolution.

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 2023-07-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is Outrageous!! I am writing to dispute the inclusion of certain collection accounts on my credit report, which I believe are inaccurate and UNVERIFIED. These accounts have violated my rights! ( XXXX XXXX XXXX  ) ACCOUNT # XXXX I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists 18 U.S. Code 8 - Obligation or other security of the United States defined. I owe no debt 15 U.S. Code 1681b - Permissible purposes of consumer reports. I have the right to privacy I have already sent a debt validation request to the collection agencies as per my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and I have yet to receive satisfactory proof that these debts are indeed mine. Please provide original contract with my signature or I expect these accounts to be deleted within 30 days!!! 


FIRST OFF ..THIS COMPANY IS FRAUD!!! THEY CANT VALIDATE THE DEBT BECAUSE ITS NOT MINE!! 

XXXX XXXX XXXX is not XXXX XXXX XXXX XXXX XXXX XXXX  accredited. It has a XXXX  rating of XXXX and a star rating of XXXX from XXXX recnt customer reviews. Their XXXX rating is XXXX from XXXX customer reviews. The complaints from these platforms include : Dealing with unprofessional representatives Failure to validate debt after sending a Debt Validation Letter Wrong debt entry to credit report Being contacted for a debt that has been previously paid

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 2023-07-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Hello, my name is XXXX XXXX, and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Based on, 15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible! 

Fraudulent/Negative Accounts : XXXX XXXX Account Number : Account XXXX Balance : {$240.00} Fraudulent Collection Accounts : XXXX XXXX, XXXX Account XXXX : Collection Opened:XXXX Balance : {$4300.00} Fraudulent Collection Accounts : XXXX XXXX Account Number : Collection XXXX Balance : {$310.00} Unauthorized Inquiries : Inquiry XXXX XXXX XXXX XXXX, XXXX Inquiry name : XXXX XXXX XXXX XXXX XXXX, XXXX Inquiry name : XXXX XXXX XXXX XXXX XXXX XXXX Inquiry name : XXXX XXXX XX/XX/XXXX Inquiry name : XXXX XXXX XX/XX/XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Inquiry name : XXXX XXXX XXXX, XXXX Inquiry XXXX XXXX XXXXXXXX XXXX  XXXX XXXX, XXXX Inquiry XXXX XXXX XXXX XXXX, XXXX Inquiry name : XXXX XXXX XXXX XXXX, XXXX Inquiry name : XXXX XXXX XXXX XXXX XXXX XXXX Inquiry name : XXXX XXXX XXXXXXXX XXXX XXXX, XXXX Inquiry name : XXXX XXXX XXXXXXXX XXXX XXXX, XXXX Inquiry name : XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry name : XXXX XXXXXXXX XXXX XXXXXXXX Inquiry name : XXXX XXXX Inquiry name : XXXX XXXX Inquiry XXXX : XXXX XXXX XXXXXXXX Inquiry name : XXXX XXXX XXXX Inquiry name : XXXX XXXX XXXX Inquiry name : XXXX XXXX XXXX XXXX Inquiry name : XXXX XXXX XXXX XXXXXXXX Inquiry name : XXXX XXXX XXXXXXXX XXXX Inquiry name : XXXX XXXXXXXX XXXX Inquiry name : XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX Inquiry name : XXXX XXXX XXXXXXXX Inquiries 15 U.S code 1681n Infamis of pulls

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 2023-05-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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. 

I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX # XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity, and much more is incorrect. 

According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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. 

Also, they aren't even in compliance with XXXX XXXX credit reporting. I have evidence to prove my case.

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 2023-07-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 made several attempts to dispute accounts reporting on my consumer report that do not belong to me. These fraudulent accounts are XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have no knowledge of these accounts, I did not open these accounts, and I have never resided at the address listed on these account. It is very clear that the companies opening these accounts as well as the CRA 's are not taking the proper procedures to verify identification and is essentially assisting the thief in identity theft. I have resided in the same home with the same phone number for the last 39 years and any business I conducted should be attached to that information only. Anything else is fraud I have filed my FTC report and if these accounts are not removed I will file suit. I know for a FACT none of these companies or CRA have verified the consumers identity and won't be able to stand a chance in court. This is my final demand for permanent block and removable of these fraudulent accounts from all major credit bureaus.

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 2023-07-07
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:
Transunion is reporting an account inaccurately on my consumer report. There was never cash given or a loan given therefore the account type listed as auto loan is incorrect. If transunion can not provide me with documentary accounting proving I received a cash loan this account needs to be removed immediately. I have attached a copy of documentation proving I never had a loan with XXXX XXXX XXXX and was paid in full for the total loss of my vehicle directly from XXXX XXXX XXXX. If there was an alleged loan given the check for the total loss of my vehicle would have been given to XXXX XXXX XXXX and not me, the sole owner of the vehicle. XXXX states that when a consumer reporting agency has reason to believe information is inaccurate in a consumer report that information must be deleted immediately upon the consumers request.

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 2023-07-08
Company: Experian Information Solutions 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:
after checking my credit report on XX/XX/XXXX I received a copy of ny credit profile I notice Fraud Hard inquiries, I contacted the companies and they stated they don't have an existing account and they can't help me to resolve the issue. I then contacted Experian XX/XX/XXXX the gave me a confirmation number that they will resolve the Fraud Inquiries from XXXX XXXX XXXX inquirie XXXX XX/XX/XXXX FTC report # XXXX XXXX XXXX XXXX  XX/XX/XXXX FTC report # XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-05-27
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:
I am submitting this CFPB Complaint once again to express my extreme dissatisfaction and outrage regarding the fraudulent items listed on my credit report. It is unacceptable that there are several items that I did not open or have any knowledge of, and it is clear that my identity has been stolen. The items in question, which include the listed accounts below that are a blatant violation of my rights and have severely impacted my financial standing. I demand that you take immediate action to investigate and remove these fraudulent items from my credit report without delay. The following items should be removed from my Credit File as soon as possible : XXXX ( Original Creditor : XXXX ) XXXX Balance : {$970.00} 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 As a consumer, I have the right to dispute any inaccurate information on my credit report, and it is your legal obligation under the Fair Credit Reporting Act to conduct a thorough and prompt investigation into this matter. I expect to receive a written response from you detailing the results of your investigation and the actions you have taken to rectify this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-09
Company: Upgrade, Inc.
State: IL
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:
I sign into my XXXX XXXX account to update personal information and just look at loan possibilities offers. 
I never requested any loan or gave information for the two companies to check my credit scores or completed a application for the loan. 
I received a email from the companies that I was not approved for a application I never applied for which did a inquiry on my account and credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Public record information inaccurate

Complaint:
XXXX XXXX  BANKRUPTCY ( XXXX XXXX XXXX  ) REFERENCE NUMBER XXXX is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file does not belong to me. This account was fraudulently opened through this company in XX/XX/XXXX XXXX  an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.

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