BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-23
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
I have contacted Equifax several times to inform them that there is information from a company called XXXX XXXX on my consumer report that should NOT be visible on my report. I have NOT given them written consent to report this company and Equifax is aware of this. This is aggravated identity theft. See attached document.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24
Company: EQUIFAX, 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 am writing to file a formal complaint regarding inaccurate information on my credit report, which I reported to Equifax on XX/XX/XXXX. To date, Equifax has not responded to my inquiry, and the following discrepancies remain unresolved. I am seeking your assistance in addressing these issues and ensuring compliance with federal law. 

The inaccurate information on my credit report is as follows : XXXX XXXX XXXX XXXX  Opened : XXXX. XXXX, XXXX Balance : {$6300.00} XXXX XXXX, XXXX Opened : XXXX. XXXX, XXXX Balance : {$3.00} I request that Equifax promptly corrects or updates the inaccurate information associated with these accounts on my credit report. Both accounts were never late, contrary to the information currently reported. 

Additionally, the following account is not mine, and I request its removal from my credit report : XXXX XXXX XXXX Opened : XXXX. XXXX, XXXX XXXX : {$3600.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-24
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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-20
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 Reporting act XXXX Account XXXX XXXX # XXXX has Violated my rights 15 U.S.C 1681 section 602 A states I have right to privacy. 15 U.S.C 1681 Section 604 2 : It also states a consumer reporting agency can not Furnish account without my written instructions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-05
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
I have repeatedly tried to unlock my XXXX Report from the fraud alert that was placed on my credit profiles without my prior written consent to do so and it is currently hindering me from being able to qualify for the purchase of my home. This is causing great stress and frustration to myself and y family. I have called multiple times and mailed several letters but the problem still exists.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20
Company: EQUIFAX, INC.
State: PA
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:
Equifax is still reporting late payment from XX/XX/XXXX and XX/XX/XXXX on my XXXX  XXXX account and have ignored all correspondence regarding this matter from myself and from the creditor. The creditor contacted Equifax in XX/XX/XXXX to remove late payments being reported and unlike the other bureaus, Equifax continues to unlawfully report these. According to FCRA federal law that gives a consumer the right to dispute inaccurate information that appears on your credit report and Equifax needs to comply or a lawsuit would have to be filed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL
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:
Wouldnt work with me due to me being out on XXXX  XXXX  from work after XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14
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: Account status incorrect

Complaint:
See Attachments ; You have violated my right to privacy

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 2023-02-14
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: Account status incorrect

Complaint:
See Attachments ; You have violated my right to privacy

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 2023-05-24
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The list of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. ACCT Name : 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 this item 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 non-monetary relief
Consumer complaint received 2023-05-24
Company: EQUIFAX, INC.
State: MD
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 already sent a letter to XXXX, Equifax, and XXXX Credit Bureaus on XX/XX/2023, requesting verification and deletion of fraudulent information found on my credit file. After reviewing an updated copy of my credit report, I noticed that most of the fraudulent items are still being reported. Despite waiting for a response from the credit bureaus, I have not received anything. The three Credit Bureaus have failed to comply with the Fair Credit Reporting Act, specifically 15 USC sections 1681i, within the legally mandated timeframe. Their continued reporting of unconfirmed information, despite my attempts to address the issue directly with the creditor, can be considered willful negligence and non-compliance with federal statutes. I kindly request the complete removal of the following items from my Credit Reports : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. Specifically, the fraudulent items on my credit report includes credit accounts that I did not open, as well as several charges and loans that I did not initiate or receive. The total amount of these fraudulent items is significant and has had a negative impact on my credit score. Despite providing documentation and evidence of the fraudulent activity, these items remain on my credit report and continue to damage my credit score. I have taken steps to dispute these fraudulent items with the credit reporting agencies and the creditors in question, but have not received a satisfactory resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I bought a car tent through XXXX it cost me {$280.00} on my capitol one credit card XXXX. I tried to cancel and wasn't allowed on XXXX. I contacted capitol one card last XXXX # XXXX  to cancel, they refused even after I showed them that I never received the order of the XXXX  # XXXX. I sent copies in the emails that XXXX sent capitol one a refund. And I haven't received.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24
Company: EQUIFAX, INC.
State: NV
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 not late on these accounts. I want this late payment deleted from my accounts within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached. XXXX XXXX XXXX XXXX XXXX and XXXXXXXX XXXX XXXXXXXX XXXX XXXX. Please update.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-05
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:
I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC reports regarding the accounts that do not belong to me. 
These companies have refused to work on disputes even though they are required by law to do so. 

I've also called on multiple occasions regarding the negative items that are reported on my credit report. These accounts are 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 2023-05-24
Company: EQUIFAX, INC.
State: NY
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 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 and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-25
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:
The credit bureaus stated my account # XXXX was properly investigation but how is that possible if the account is inaccurate. I had called XXXX that is the number to the us department of education. I had spoken to a representative & she had ensured me that the student loan for this account was cancelled/refunded back to the department of education back in 2015. She also ensured that this student loan does not exist & shouldn't be reporting on my credit report. she told me i had dispute it with the credit bureaus. This account is negatively impacting my credit score and with me trying to obtain a house. This is ground for removal they also violated my rights under. 

15 USC 1681 section 602 A : Sates I have the right to privacy.

15 USC 1618 section 604 A section 2 : It's also states a consumer reporting agency can not furnish a account without my written instruction

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Ive received copies of my credit report and notice that XXXX XXXX XXXX ( XXXX ) Was Closed On XX/XX/2022, I Am Wondering Why Was That Account Still Reporting Late Payments Even After The Account Been Closed. May I please have this account investigated

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 2023-06-20
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. 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OFFICE OF THE ATTY GEN XXXX, 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 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 non-monetary relief
Consumer complaint received 2023-05-24
Company: EQUIFAX, INC.
State: DE
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 really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-12
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:
RECENTLY OBTAINED CREDIT REPORT AND NOTICED ACCOUNTS I DOD NOT AUTHORIZE

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 2023-05-24
Company: EQUIFAX, 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 am writing to file a formal complaint regarding inaccurate information on my credit report, which I reported to Equifax on XX/XX/XXXX. Despite the passage of time, Equifax has failed to respond to my inquiry, and the following discrepancies remain unresolved. I am seeking your assistance in rectifying these issues and ensuring compliance with federal law. 

The inaccurate information on my credit report is as follows : XXXX  XXXX Opened : XXXX. XXXX, XXXX XXXX : {$260.00} The above account was never late, and I kindly request Equifax to correct/update this inaccurate information on my credit report. 

Furthermore, the following accounts are not mine, and I request their removal from my credit report : XXXX XXXX XXXX XXXX Date Opened : XXXX. XXXX, XXXX Balance : {$2800.00} XXXX XXXX Date Opened : XXXX XXXX, XXXX Balance : {$710.00} XXXX XXXX  Date Opened : XXXX XXXX, XXXX Balance : {$940.00} XXXX XXXX XXXX XXXX XXXX  XXXX Date Opened : XXXX. XXXX, XXXX Balance : {$8500.00} XXXX XXXX XXXX Date Opened : XXXX. XXXX, XXXX Balance : {$3500.00} XXXX XXXX XXXX Date Opened : XXXX. XXXX, XXXX Balance : {$770.00} Original Creditor : XXXX XXXX XXXX XXXX XXXX  Date Opened : XXXX XXXX, XXXX Balance : {$100.00} Original Creditor : XXXX XXXX  XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-24
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 am submititng this CFPB Complaint to formally request an investigation and correction of the following accounts that appear to be inaccurate and incomplete on my credit file, as per the provisions of the Fair Credit Reporting Act. I need the following accounts investigated and removed from my Credeit File as soon as possible : XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$2600.00} XXXX XXXX Bankruptcy Reference # XXXX. I request that you verify the aforementioned accounts. If the information can not be substantiated as 100 % accurate, I respectfully request that you remove them from my credit report immediately. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise you will be in violation of the Fair Credit Reporting Act and may be investigated by the Federal Trade Commission.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-09
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: Account information incorrect

Complaint:
I was diagnosed with XXXX and XXXX during the pandemic, and my condition made it difficult to manage my finances. Recently, I found high balances reporting on my credit report from my credit cards. However, all of my credit cards are charged off, and I am unable to dispute anything with the credit card companies. I feel stuck and hopeless due to the debt under my name, which has led me to feel anxious and XXXX. I have read online that I can try to dispute with the credit reporting agencies to remove the negative items from my credit reports. I have found the right medication to treat my condition, and I am now hopeful that I can finally put this chapter of my life behind me. I am reaching out to the credit reporting agencies for assistance so that I can find relief and peace of mind. 
please see the attachment

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24
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:
I want these late payments deleted from my account within 15 days, these are not mine, I'm not aware of these, Under USC 1666b. See the documents attached. XXXX XXXX XXXX. Please correct and update.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-08
Company: EQUIFAX, INC.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I never been late with this accounts, and please update it, and I always paid on time that's why this is ridiculous.

Company response to consumer: Closed with explanation