BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-29
Company: Experian Information Solutions Inc.
State: NJ
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:
when to purchase a vehicle, i was told my credit will only be ran by one lender. now i have multiple hard inquiry. The dealership share with out my consent from unknow soucres. 

XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2022-06-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 XXXX, XXXX. XXXX I asked XXXX to investigate the below listed accounts for accuracies. On XXXX, XXXX. XXXX XXXX responded back to me and stated that the below named accounts were properly INVESTIGATED and VERIFIED but how is this possible when I found several inaccuracies, This is grounds for removal. 

XXXX XXXX XXXX # XXXX Account type. inaccurate Date opened. Inaccurate Payment status. Inaccurate Last reported. Inaccurate Date of last activity. Inaccurate XXXXXXXX XXXX XXXX # XXXX See report for inaccuracies IC SYSTEM # XXXX Date opened. Inaccurate Date last activity. Inaccurate 15 U.S. CODE 1681 section 604a 2 also applies here. 

I have attached a copy of my most current credit report dated ( XX/XX/2022 ) as proof

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 2022-06-07
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:
On XX/XX/2022 I sent a letters XXXX credit reporting The Credit bureaus stated Account Name : XXXXXXXX XXXX XXXXXXXX & Account # XXXX was properly investigated but how is this possible if the open date is inaccurate, the date last active is inaccurate, and the date last reported is not accurate. This is grounds for a removal. They also violated my rights under 15 U.S.C. 1681 section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish an account without my written instructions I haven't given these accounts written permission to furnish these accounts on my credit 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 2022-09-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Old information reappears or never goes away

Complaint:
This is not a duplication of complaint! 

Therefore, I am refiling my complaint and asking the CFPB to actually read opposed to trying to dispose consumers complaint as duplications. 

The following compliant I am filing against TransUnion has to do with illegal reinsertion of a deleted account without prior notification as mandated by the FCRA, FDCPA and should be investigated as such, a separate complaint was filed against XXXXXXXX XXXX for buying and reporting debt that was disputed as fraudulent not belonging to consumer. 

As stated, two different issues requesting separate investigations/complaints. This specific complaint : TransUnion has illegally reinserted debt that was removed and disputed as fraudulent not belonging to the consumer. 

TransUnion violated the FCRA, FDCPA by refusing to notify the consumer prior to reinserting disputed debt. I disputed a XXXX account as fraudulent not belonging to the consumer several complaints were filed with CFPB in regards to this XXXX account it was removed from the TransUnion credit report. 

TransUnion reinserted the disputed debt with full knowledge this item was removed by XXXX then sold to XXXXXXXX XXXX who name is still attached to said account. 

The law is clear TransUnion is required to all consumers prior to reinsertion of disputed debt that was previously removed and can not deny consumer a chance to dispute said debt prior to reinsertion. 

I am asking TransUnion to show proof consumer was notified within the timeframe as outline by the FCRA, FDCPA prior to reinsertion of fraudulent debt. 

TransUnion intentionally denied the consumer their legal right to dispute reinserted fraudulent debt prior to reinsertion in direct violation of the FCRA and FDCPA. 

I want CFPB to investigate this practice of reinserting disputed fraudulent deb that was removed and not following the law and giving consumers the right to dispute prior to reinsertion how many XXXX XXXX XXXX XXXX had TransUnion used this deceptive business practices and intentionally lowered theyre credit scores and purchasing power I want the CFPB to enact or enforce laws that prevent credit bureaus from reinserting debt that was removed and disputed as fraudulent and why TransUnion is not giving consumers a chance dispute reinsertions or notification of reinsertion. 

I want the XXXX account that was removed, disputed as fraudulent not belonging to me removed again from my TransUnion report and not allowed to by resold and reinserted.

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 2022-07-28
Company: Experian Information Solutions Inc.
State: LA
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX/DOFED XXXXXXXX Balance : {$3500.00} XXXX/DOFED XXXXXXXX Balance : {$6600.00} XXXXDOFED XXXXXXXX Balance : {$2300.00} XXXX/DOFED XXXX Balance : {$2500.00} XXXX/DOFED XXXX Balance : {$3500.00} XXXX/DOFED XXXX Balance : {$6600.00} XXXX/DOFED XXXX Balance : {$890.00} XXXX/DOFED XXXX Balance : {$1600.00}

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 explanation
Consumer complaint received 2022-06-27
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, and XXXX Card account # XXXX, have 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 2022-06-27
Company: Experian Information Solutions Inc.
State: CO
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 sent a letter to all 3 credit bureaus XX/XX/2022. Tracking XXXX and Tracking XXXX and Tracking XXXX. To remove personal information that I do not want on my credit reports. According to the Fair Credit Reporting Act 12 USC 1681, I have the right to privacy. Also according to 15 USC 6802, No financial institution is supposed to share my information to third party collections, businesses, or persons. 

These are a clear violation of my federally protected consumer rights.

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 2021-01-16
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
There is some errors on my credit report Already contacted Experian and sent them letters.along with a copy of my credit report, federaltradecommision report, police report, but they still refuse to correct my credit report. There is a name Address, birthdate, social security numbers, credit card account. 
I also already contacted XXXX XXXX XXXX About the credit card, but they refuse to close the account. 
Also, I opened a IRA account with XXXX edge, a few months later they added that persons name and address to my account And have blocked my access to it. 
Contacted them on several occasions but all they tell me is that is under investigation.its being almost 3 months now! Im really concerned!!

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 2022-06-27
Company: Experian Information Solutions 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:
When I reviewed my credit report, I discovered that some of the information was erroneous. Experian must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct from erroneous reporting in my file is listed on my credit report : XXXX  XXXX XXXX Late Date 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 2022-06-27
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. Equifax must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct from erroneous reporting in my file is listed on my credit report : XXXX  XXXX XXXX Late Date XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

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 2022-11-29
Company: EQUIFAX, INC.
State: NJ
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:
Shared with out consent, credit inquiries from unknown soucres when to purchase a vehicle. i was inform that my credit is going to be ran once. not buy multiple lenders.. 


XXXX XXXX XXXX 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07
Company: Experian Information Solutions Inc.
State: NJ
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:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

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 2022-07-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of accounts/items which do not belong to me or were opened without my permission : XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$72.00} ARS ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$94.00} XXXX XXXXBalance : {$7500.00XXXX XXXX XXXX Date of inquiry : XX/XX/2021 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 an 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 2022-06-27
Company: EQUIFAX, INC.
State: CO
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 sent a letter to all XXXX credit bureaus XX/XX/2022. Tracking XXXX and Tracking XXXX and Tracking XXXX. To remove personal information that I do not want on my credit reports. According to the Fair Credit Reporting Act 12 USC 1681, I have the right to privacy. Also according to 15 USC 6802, No financial institution is supposed to share my information to third party collections, businesses, or persons. 

These are a clear violation of my federally protected consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29
Company: SCA Collections, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I never received notification concerning this debt. I have never been treated or seen by this medical company. I dispute the validity of this debt in its entirety. In addition to this I was never notified that this debt would be attached to my credit file which is against the FCRA laws.

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 2022-06-07
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: Reporting company used your report improperly

Complaint:
in accordance with the Fair Credit Reporting act XXXX XXXX account # 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 2022-04-24
Company: Experian Information Solutions Inc.
State: DE
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 XXXXXXXX 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.

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 2022-06-07
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: Reporting company used your report improperly

Complaint:
in accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account # 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 non-monetary relief
Consumer complaint received 2022-06-27
Company: Early Warning Services, LLC
State: NJ
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 Company is reporting negative information without my written consent and on top of it the information is also COMPLETELY FALSE. 

In accordance with the Fair Debt Collection Practices Act. Debt collectors are not allowed to communicate with me under 15 USC 1692C15 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 1681 Section B. States that Anypersonwho obtains aconsumer reportfrom aconsumer reporting agencyunder false pretenses or knowingly without a permissible purpose shall be liable to theconsumer reporting agencyfor actual damages sustained by theconsumer reporting agencyor {$1000.00}, whichever is greater.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27
Company: Experian Information Solutions Inc.
State: NC
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:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit 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 2022-09-20
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Portfolio Recovery keeps calling me to collect debt without telling me what debt I owe. I have run credit reports to check on my end what the debt could possibly be and there is nothing that is outstanding. My credit score is above XXXX so I don't know why they keep calling and harassing me. They call me at least once a day. It's infuriating.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-27
Company: EQUIFAX, INC.
State: NC
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:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report.

Company response to consumer: Closed with explanation