BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-26
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: Was not notified of investigation status or results

Complaint:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately : 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-20
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: Investigation took more than 30 days

Complaint:
Accordance with the fair credit reporting everything has to be 100 % accurate on my credit report. 
The credit bureaus has stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is very inaccurate, also the date last reported is not accurate. This ground for removal they have also violated my rights under 15 U.S.C 1681 section 602 A : States I have the rights 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 Also the credit bureaus took more than 30 days to complete my investigation below I have attached my certified mail tracking numbers

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 2023-07-27
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: Investigation took more than 30 days

Complaint:
I have filed a complaint with your agency in regards to equifax, and XXXX XXXX  sent me a letter stating they made error when submitting my information to all the credit agencies and they will contact them and have the issues fixed. XXXX corrected the error and updated my credit report. XXXX XXXX was aware they made the error because they recently received a payment update recently from XXXX XXXXEquifax has not removed a write off that is inaccurate with XXXX XXXX. The report states the account is closed and wrote off. This dropped my score over XXXX points for nothing. Please have equifax fix this because this has not been resolved. My credit report with them needs corrected. On the error the equifax report states that the write off with XXXX XXXX  was XXXX  years XXXX  months. I have only had this loan with XXXX XXXX XXXX XXXX for a little over a year. XXXX contacted equifax on the error they made. Equifax wont remove this error and correct it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-04
Company: WELLS FARGO & COMPANY
State: TN
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:
NOTICE AND DEMAND FOR SETTLEMENT OF UNAUTHORIZED INQUIRY ON CONSUMER REPORT To : Whom It May Concern : This notice is to inform you that you are unlawfully reporting on unauthorized inquiry my consumer report. I have not given you permission to access my credit profile and you have r permissible purpose by law to contact third parties with my private or personal information. Yo offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You hav transferred, possessed, or used, without lawful authority, a means of identification Is a felony punishable with Lip to 2 years of imprisonment, in addition to civil liability By obtaining my CREDIT BUREAU consumer credit report on DATE Without my permission or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( 'FCRA '' ) codified at 15 U.S.C 16186 ( 0 ) 3 ( 000. Chesterv. Purvis, 260 F. sup 28711 ( S.D Ind.2003 )

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 2023-07-27
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 have reported on my personal credit file social security numbers, Mis spellings or correct spellings for someone other than my name, and a verity of social security numbers that can not possibly belong to me. I have requested all of this inaccurate information be removed. I have even threatened Civil Legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-26
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX XXXX XXXX {$230.00}, XXXX XXXX Balance : {$620.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX Balance : {$0.00}, XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXXXXXX XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.

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 2023-02-20
Company: Experian Information Solutions 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:
on XX/XX/2023 I sent a letter regarding my inaccurate and unknown things on my credit report. This is a violation under the Fair Credit Reporting Act Section 621 ( a ) ( 2 ) ( duty to correct and update information ) I demand these accounts to be deleted immediately or i will file litigation. remove all Fraudulent accounts as I have no knowledge of any of these accounts due to the XXXX data breach/identity theft and may have got into the hands of the wrong person.

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 2023-02-20
Company: Experian Information Solutions Inc.
State: IL
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 am writing to dispute the account referenced above. I have disputed this account information as inaccurate with you, and you have come back to me and stated you were able to verify this debt. How is this possible? Under the laws of the FDCPA, I have contacted the collection agency myself and have been unable to get them to verify that this is indeed my debt. 

I enclose copies of my requests to the collection agency, asking them to validate my debts, and the receipts showing that I sent these letters certified signature request. This debt is not mine and I was given no evidence of my obligation to pay this debt to this collection agency. 

The FCRA requires you to verify the validity of the item within 30 days. If the validity can not be verified, you are obligated by law to remove the item. There is a clear case of unverified debt here, and I urge you to remove this item before I am forced to take legal action. 

In the event that you can not verify the item pursuant to the FCRA, and you continue to list the disputed item on my credit report I will find it necessary to sue you for actual damages and declaratory relief under the FCRA. According to this regulation, I may sue you in any qualified state or federal court, including small claims court in my area. 

While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FCRA. 

I look forward to an uneventful resolution of this matter. 

Sincerely, XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, IL 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 2023-03-04
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:
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.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-04
Company: EQUIFAX, INC.
State: NY
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:
It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start legal action. Its my intention to not pursue any legal action so please adhere to the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ME XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ME XXXX XXXX XXXX XXXX XXXX XXXX XXXX ME XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ME XXXX XXXX XXXX XXXX XXXX ME XXXX XXXX XXXX XXXX XXXX XXXX XXXX ME XXXX XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$670.00} XXXX FIN XXXX Balance : {$17000.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$500.00} XXXX XXXXXXXX Balance : {$190.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$1300.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$670.00} XXXX XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11
Company: EQUIFAX, INC.
State: OH
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 confidentially under 15 USC 1681. 

Account Name : XXXX  Account # : XXXX Account Name : XXXX  Account # : XXXX Account Name : XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX XXXX ) Account XXXX : XXXX Account Name : XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXXXXXX XXXX KY ) Account # XXXX XXXX Account Name : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account # : XXXX Account Name : XXXX XXXXXXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Acoount # : XXXX Account Name : XXXX XXXX ( Original Creditor : XXXX ) Account # : XXXX Account Name : XXXX XXXXXXXX XXXX Account # : XXXX Account Name : XXXX Account # : XXXX Account Name : XXXX Account # : XXXX Account Number : XXXX  Account # : 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 an account without my written instructions 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information.. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer 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 2022-12-16
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:
I'm XXXX XXXX, and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other items that need to be UPDATED and CORRECTED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected immediately : 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 XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/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 2023-03-04
Company: EQUIFAX, INC.
State: AR
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 am writing in response to the recent investigation. I do not agree with your findings and I am requesting complete accuracy. I am not satisfied that enough was done to truly contact the creditors that are reporting this information on my report and because of this I am now asking you for more information regarding these particular items in question : XXXX XXXX XXXX XXXX**** Balance Owed : {$55.00} XXXX XXXXXXXX Balance Owed : {$74000.00}. Again as previously stated under provisions of the Fair Credit Reporting Act 15 U.S.C. Section 1681i, please reinvestigate and update or remove these disputed items. Please forward me the name and addresses of persons contacted. Fifteen ( 15 ) days from receipt of this letter is the length of time you are allowed under 15 U.S.C. Section 1681i ( 5 ) ( A ) to complete these actions unless you notify me otherwise. It should be understood that failure to verify within this time constitutes non-verification, and the items must be promptly updated or deleted according to Section 1681i ( a ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am submitting this CFPB Complaint to dispute and request the removal of the outdated accounts from my credit file, which has been negatively impacting my credit history. I have reviewed my credit report and have identified the following inaccurate and outdated accounts : Account Name : XXXXXXXX XXXX  XXXX Account XXXX : XXXX Balance : {$0.00} Account Name XXXX XXXXXXXX  Account Number : XXXX Balance : {$0.00} XXXX wish to bring to the Credit Bureaus attention that these accounts are outdated and no longer applicable to my current financial status. I have diligently managed my credit obligations, and the outdated accounts do not reflect my current creditworthiness. Its presence on my credit file inaccurately represents my credit history, which could potentially hinder my ability to obtain favorable credit terms, loans, housing, and employment opportunities. As per the Fair Credit Reporting Act ( FCRA ), I am entitled to accurate and up-to-date information in my credit report. The FCRA also grants me the right to dispute any inaccurate or outdated information and request its removal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-20
Company: Experian Information Solutions 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:
See the attached documents. WHAT WOULD BE A FAIR RESOLUTION TO THIS ISSUE?

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 2023-05-22
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I had {$2000.00} of money stolen from me from Fifth Third Bank by XXXX XXXX. 
In XXXX, my XXXX checking account was hacked and I STILL DO NOT have my money back. The hacker used XXXX to steal from my account and XXXX refuses to return what was taken from me. Other Transactions were attempted and declined because they took time to contact me to verify. My online ID and password were changed several times back to back and then there were TWO separate {$1000.00} XXXX transactions allowed by their secured systems even though they were never approved by me. I contacted the bank immediately and the claimed the account would be locked. I filed a police report, printed out my verification text messages/phone calls as evidence that I DID NOT authorize the XXXX transactions coupled with filing a chargeback with Fifth Third. They declined the initial claim and it was reopened on XX/XX/XXXX. I was told a decision was required within 30 days which has passed and they do not have answers. 

I have been a loyal customer of XXXX Bank for over 25 years. I still dont have my money back and it is XXXX. This has caused so many issues for me and my family! Returned payments, etc. I went into my branch multiple times as well. 
2 {$1000.00} transactions were sent to a XXXX XXXX who I do not know, with a phone number that isnt active. 

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Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 Reorting Credit Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 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 XXXXXXXX 15 U.S.C. 1681 section 602 I have the right to privacy.

15 U.S.C 1681 section 604 Section 602 States a consumer reporting agency can not furnish a account without my written instruction.

15 U.S.C. 1681c. ( a ) ( 5 ) Sections 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 2022-12-16
Company: Experian Information Solutions 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 Reorting Credit Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 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 15 U.S.C. 1681 section 602 I have the right to privacy.

15 U.S.C 1681 section 604 Section 602 States a consumer reporting agency can not furnish a account without my written instruction.

15 U.S.C. 1681c. ( a ) ( 5 ) Sections 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