BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-27
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: Credit inquiries on your report that you don't recognize

Complaint:
( 18 ) Unidentified inquires on Transunion report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-27
Company: EQUIFAX, INC.
State: AL
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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27
Company: Experian Information Solutions Inc.
State: KY
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 submitted a letter to the 3 Credit Bureaus to correct this suspicious information. I think you have not validated these items 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. Please discard the following items that are harming my credit. 
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

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 2023-07-12
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:
I'd like to formally seek proper guidance and assistance to secure that the information reporting on my credit file is 100 % accurate. I recently received a copy of my credit report and feel that there is an item that is misleading and incomplete. Therefore, I request that you investigate this item. The payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the XXXX XXXX XXXX XXXX customer service representative XXXX XXXX XXXX XXXXXXXX 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 2022-12-27
Company: Experian Information Solutions Inc.
State: AR
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'm sending you this complaint to let you know that I was a victim of identity theft. A sizable amount of illegal inquiries as well as some inaccurate information reporting can be seen on my credit report. I am aware that my identity has been stolen. I formally reported this to the FTC with File Number XXXX as a result. I have incorporated that report into this complaint in compliance with the guidelines of FCRA Section 605B ( 15 U.S.C. 1681c-2 ). To accordance with the law, kindly remove these entries from my credit report as soon as feasible ( i.e., 4 days ). Let me know if you need anything else, please. Please take out the following objects as soon as you can : XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR 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. FCRA Section 605B ( a ) states that the CREDIT REPORTING AGENCIES must block any information in a customer 's file that the consumer claims came from an alleged identity theft no later than 4 business days following 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 explanation
Consumer complaint received 2022-12-27
Company: Experian Information Solutions 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:
By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the listed accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX XXXX : {$150000.00} - There are multiple errors in the listing that are damaging to me including balance, payment status, and date of last payment. I do not believe I was late on the dates you are reporting. I always make my payment on time and I never missed a payment. Please update for lawful accuracy. Thank you. 
XXXX XXXXXXXX Balance Owed : {$38.00} - Please check the Payment History and Status information on this account. It is entirely wrong, to begin with. I was never late on this account because I make my payments on time. My record shows that I never missed a payment. Please update all late immediately. The current status is all wrong and a scorable category. Please update for legal accuracy. Thank you. 
XXXX XXXXXXXX XXXX XXXX : {$16000.00} - I believe this account is reporting inaccurately. I do not believe I was late on the dates this account presents. I keep records of my payments and I always make my payments on time, I was never late. Please investigate the account name, date of last activity, and account balance. This information seems to be misleading. I request an investigation and please update this account for lawful accuracy.

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 2023-07-07
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:
This is my 3rd attempts to file a case for Equifax Credit Bureau because they never cared about my request previously. They have unlawfully disclosed my personal and private information. Because of there wrong doing it seems to be a emotional distress and potential loses to me. I demand that you could help me correct these accounts : DEPT OF ED / XXXX XXXX Opened XXXX XXXX, 2010 Balance {$5100.00} ; DEPT OF ED / XXXX XXXX Opened XXXX XXXX, 2010 Balance {$4500.00} ; DEPT OF ED / XXXX XXXX Opened XXXX XXXX, 2010 Balance {$2200.00} ; DEPT OF ED / XXXX XXXX Opened XXXX XXXX, 2010 Balance {$4900.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07
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:
I contacted your office after I ordered a credit report with XXXX XXXX on XX/XX/2023. After receiving a copy of my report, I saw some UNVERIFIABLE information that on my personal profile, I noticed that this was CHARGE OFFS accounts on my credit report. This is disappointing because I have been paying XXXX XXXX to get a report every month and I have been disputing fraud account on my credit report all this time just today I have charge off that I have never seen before, as well as this incorrect information on my personal profile but still youre not taking any actions. I have never with the accounts listed below, so please help me remove this charge off including this incorrect information from my personal profile. A copy of my Utility Bill, drivers License, and my Social Security Number are all included in this written request. Please help me resolve this issue as soon as possible. PLEASE DELETE THIS FRAUDULENT ITEM : XXXX XXXX  XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27
Company: SUNRISE CREDIT SERVICES, INC
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have tried so many times reaching out to the debt collector to have them verify this debt, but nobody has been able to do so. Every time I dispute this charge it comes right back on. I need this taken care of ASAP. Thank you! This debt is not MINE.

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 2023-03-09
Company: EQUIFAX, INC.
State: NJ
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 I am XXXX XXXX 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 Commission 's Identity Theft Affidavit. Please delete as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Two companies ran a credit check without my knowledge. XXXX XXXX XXXXXXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07
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: Personal information incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, is the only address deliverable to me by mail. All others addresses are incorrect. please remove all other addresses.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27
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. 

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, 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 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 2022-12-27
Company: Experian Information Solutions 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:
XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX, XXXX Account Number : 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

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 2023-07-07
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:
I have accounts that haven't been any activity since XXXX and I'm trying to fix the Inactivity 's and Wrong Information that's being reported Pursuant to 15 U.S. Code 1681c-2 - Block of information resulting from identity theft ( a ) Block - Except as otherwise provided in this section, 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 by such agency of - ( 1 ) appropriate proof of the Identity of the consumer : ( 2 ) a copy of an identity theft report : ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I have enclosed the following documents ; ( Copy of my Driver License for proof of identity & a copy of my identity theft report ) In my identity theft report I have identified the fraudulent account and fraudulent inquiry, along with my statement ). 

The COLLECTIONS BELOW SHOULD BE DELETED AND REMOVED : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX AND ALL INQUIRIES ON THE REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report 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 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 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 2023-07-12
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: Their investigation did not fix an error on your report

Complaint:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and delete them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2021

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 2022-12-13
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:
This is my final attempt to have this account removed from EVERY CONSUMER REPORTING AGENCY INCLUDING XXXX, XXXX, and EXPERIAN. All consumer reporting agencies have tarnished my name and have kept me from obtaining credit. They have ruined my reputation and character. They have violated the FCRA and many other Act as well. This is the last attempt before I seek litigation.

12 CFR 1022.1 Regulation V ( a ) Purpose. The purpose of this part is to implement the Fair Credit Reporting Act ( FCRA ). This part generally applies to persons that obtain and use information about consumers to determine the consumer 's eligibility for products, services, or employment, share such information among affiliates, and furnish information to consumer reporting agencies. 

XXXX XXXX XXXX XXXXXXXX is reporting to consumer reporting agencies inaccurate information about an alleged account. I have sent in numerous billing error notices to XXXX XXXX XXXX XXXXXXXX according to CFR 1026 regulation Z Billing Error. 
I have asked XXXXXXXX XXXX XXXX XXXXXXXX to verify and validate the debt they alleged I owe, and I requested that the ORIGINAL CREDITOR be identified according to 12 CFR 1006 Regulation f The Fair Debt Collection Practice Act XXXX XXXX XXXX XXXXXXXX has failed to validate the debt therefore should delete all unverified information from my account ASAP. XXXXXXXX XXXX XXXX XXXXXXXX should delete all account information they share with XXXX, XXXX, Experian, and any other Consumer Reporting Agency. I did not consent to have my information shared with anyone or company. 

Since XXXX XXXX XXXX XXXXXXXX has failed to prove that I owe an alleged debt according to 15 U.S.C. 1681c-2 ( c ) all consumer reporting agencies should block of information resulting from identity theft. 

I didnt consent nor benefit from XXXX  ACCT # XXXX. If I received goods or services, please have a senior executive certify under penalty and perjury that I received goods or services under this transaction.

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 2023-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX this law firm XXXX and XXXX is in direct violation of the Fair Credit Reporting Act ( XXXX XXXX acct number XXXX ) and has violated several of my rights. 

15 U.S.C section 602A .Clearly states I have the right to privacy 15 U.S.C section 604 A section 2 : it also states a consumer report can not an account without my written instructions 15 U.S.C exclusions state transactions can not be listed on consumer reports per XXXX report number XXXX prepared on XXXX XXXX for XXXX XXXX XXXX XXXX XXXX / XXXX and XXXX XXXX listing type of loan note : unsecured : date opened XX/XX/XXXX : address id as XXXX : which is not my address credit limit or original amount of {$8900.00}. terms 60 months recent balance of XXXX balance wrong payment history from XX/XX/XXXX to XX/XX/XXXX. It also says loan modified if the loan was modified I would have to agree to terms that were never presented a modification not showing a payment history of XXXX XXXX XXXX XXXX 180 days past due in the comment section it says loan modified XX/XX/XXXX- XX/XX/XXXX all these are transaction records which is a violation please remove from credit report and provide updated information showing deletion on usc codes thank you also the previous response to my complaint XXXX XXXX and XXXX was they don't report XXXX the credit bureau that means i am a victim of fraud since this account i XXXX no longer being handled by XXXX XXXX XXXX. The first payment of $ was XXXX directly from my XXXX XXXXXXXX checking acct on XX/XX/XXXX this company said I never made a payment last response they said they only received a payment on the XXXX of XXXX and the XXXX of XXXX inaccurate info. Payment dates are as XXXX {$250.00}, XX/XX/XXXX {$120.00}, XX/XX/XXXX {$240.00}, {$230.00}, XXXX XXXX {$250.00}, XXXX XXXX {$220.00}, XXXX XXXX $ XXXX XXXX {$200.00}, XX/XX/XXXX, XXXX. XX/XX/XXXX {$220.00}, XX/XX/XXXX, {$210.00}, XXXX XXXX {$230.00}, XXXX XXXX, {$220.00} XX/XX/XXXX {$230.00}, XX/XX/XXXX {$220.00} US CODE 1681 S-2 STATES YOU CAN NOT REPORT INFORMATION WITH ACTUAL KNOWLEDGE OF ERRORS. please delete it from my credit report XX/XX/XXXX {$230.00}, XXXX XXXX {$220.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief