BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-08-14
Company: Experian Information Solutions Inc.
State: CA
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:
On XX/XX/2018 I filed a complaint with Experian to remove a fraudulent account from my credit report. Both XXXX and XXXX  have recognized the account in question to be fraudulent and have removed it. The account is XXXX XXXX XXXX. I currently have an open complaint with the CFPB that XXXX has not responded to. I can not understand why Experian is the only reporting agency refusing to delete the account. Everyone else agreed this account is fraudulent. My credit is being held XXXX. I can not obtain housing with this fraudulent lein on my credit. If I owed this money it would have been paid long ago. They officially refused to delete it today XX/XX/2018. There is no reason for Experian not to recognize this as fraud. XXXX has provided no proof of they're claims. They are not responding to CFPB inquiries. They have not provided photographic evidence or any proof for that matter. This needs to be deleted immediately. I can not get housing. I am XXXX. I am on XXXX. I am a veteran. XXXX XXXX XXXX and Experian needs to do the right thing. You guys are going to cause me homelessness. By way of XXXX  and extortion. Please help.

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 2019-10-04
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: Investigation took more than 30 days

Complaint:
Since early this year, 2019 and I have been contacting Equifax every now and then trying to get them to remove the freeze and or the fraud alert on my credit report. I'm currently in escrow and I'm unable to close escrow due to the freeze that the lender can not pull Equifax credit report. I called Equifax multiple times and they say no freeze or fraud alert but they are locking my credit and no lender is able to obtain a copy of my report. I faxed my DL and SSN with a letter to remove the freeze or the lock they have multiple times but still not moving and I'm unable to fix this problem with them. lenders can not pull Equifax 's report, they are locking my report and I'm facing a major financial loss due to the Equifax 's system.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-23
Company: EQUIFAX, INC.
State: MI
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:
This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 




XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$6900.00} ; XXXX XXXX XXXX XXXXXXXX Balance XXXX {$1200.00} ; XXXX XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$370.00} XXXX XXXX XXXX XXXX Balance : {$1800.00} ; XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$3900.00} ; XXXX XXXX XXXX XXXX Balance : {$6800.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$7200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
on XX/XX/2021 I made a call to XXXX XXXX XXXX and explained to them that I had an incorrect late payment on my account. I was told it would be investigated and I would be notified by mail. Later XX/XX/2021 I received a letter informing me that " this account was reported as deleted for XXXX XXXX ''. I checked my report 30 days later and it was still there. I have tried for several months to get this removed form my account. This process has cause me to lose out on property, funds and caused a lot of frustration and destress. XXXX placed a 30 day late payment on my account and I have never been late. I bought a new car and in the process of the dealership transferring the payoff of the first cat to XXXX financial the communication between the two were lost. I was received XXXX different contracts and the financial company said they only got one. I had to prove to them that I had 2. I am in the process of XXXX a house and this late payment is holding the process up. Because of this mistake I have lost out on many homes and funding. I need help getting this Item removed.

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 2023-11-27
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am writing to express my continued concern and disappointment with the unsuccessful outcome of my second attempt to correct late open accounts on my credit file. Despite providing comprehensive documentation and following the prescribed dispute procedures, the inaccuracies persist on my credit report, negatively impacting my creditworthiness and financial standing. 

I am deeply concerned that, despite my sincere efforts and adherence to the required procedures, the late open accounts persist on my credit report. This situation has immediate and adverse consequences for my financial standing, making it imperative to rectify this matter urgently. 

I kindly request the following actions : An immediate and thorough reevaluation of the documentation provided in support of the dispute. 
Expedited correction of the inaccuracies related to the late open accounts on my credit file. 
Transparent communication outlining the resolution process and the steps taken to address this matter promptly. 
Attached, please find copies of the supporting documentation for your reference during the investigation. I am asking for your assistance to correct these late open accounts in my credit file : OAG CHILD SU XXXX Balance : {$25000.00} ; OAG CHILD SU XXXX Balance : {$72000.00} ; ATTYGENERL XXXX Balance : {$72000.00}.

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
Consumer complaint received 2023-11-27
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I received a copy of my credit report from your bureau on XX/XX/XXXX and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate credit report. 
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 2023-03-13
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:
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. 
Account : XXXX XXXX XXXXXXXX, Dept of Ed 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 right to privacy.

15 U.S.C. 1681 section 602 a Section 2 : It also states a consumer reporting agency can not furnish a account without written instructions. 

15 U.S.C.1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make a consumer report containing any of the following items 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 2023-11-27
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am writing to bring to your attention a matter of utmost urgency concerning the presence of fraudulent items on my credit file. Despite my immediate efforts to address this issue, the fraudulent entries persist, posing a severe threat to my financial well-being. 

Given the urgency of this matter, I am requesting the following actions : Immediate and expedited review of the documentation provided in support of the dispute. 
Fast-track removal of the fraudulent items from my credit file to prevent further damage to my financial standing. 
Transparent communication outlining the resolution process and the steps taken to address this matter urgently. 
Attached, please find copies of the supporting documentation for your reference during the expedited investigation. I am asking for your assistance to remove these fraudulent items in my credit file : 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 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 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 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 2023-11-27
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2020-06-23
Company: WELLS FARGO & COMPANY
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I deposited a XXXX XXXX money order at Wells Fargo and couples days later on XX/XX/XXXX, they deducted {$490.00} from my account with the notes saying, " refer to maker ''. So I sent XXXX XXXX my information and they have been cooperative the whole time sending me the letter and Source of Receipt ( SOR ) detailing that Wells Fargo has the money and SHOULD reissue me the money. Wells fargo has constantly been playing a game of hot potato with me blaming XXXX XXXX for their problems trying to avoid paying me. If you could please get Wells Fargo to reissue me the funds and stop playing games that would be great. Thank you.

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 monetary relief
Consumer complaint received 2023-11-27
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am writing to formally dispute and bring to your attention several inaccuracies in my credit report provided by Experian. On XX/XX/XXXX, I contacted Experian regarding the following discrepancies, and to date, there has been no response from them. I am seeking your assistance in rectifying these issues in accordance with the Fair Credit Reporting Act ( FCRA ). 

XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, XXXX : {$690.00} ) : The reported account was never late. Kindly correct/update this inaccurate information on my credit report. 


XXXX XXXX XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, XXXX : {$740.00} ) : The reported account was never late. Please correct/update this inaccurate information on my credit report. 


XXXX XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, XXXX : {$22000.00} ) : The reported account was never late. Please correct/update this inaccurate information on my credit report. 


XXXX ( Date Opened XX/XX/XXXX, Balance : {$320.00} ) : I require verification of the account identified as XXXX. The reported balance is inaccurate, and the account is closed and charged-off. Kindly mark this account as disputed while I resolve the matter with the creditor. Also, verify the Date Opened, Date of Status, and First Reported. 


XXXX XXXX ( Account Number : XXXX, Date Opened : XX/XX/XXXX, XXXX XXXX : {$300.00} ) : The reported account is not mine. Please remove it from my credit report. 
XXXX XXXX XXXX XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$11000.00} ) : The reported account is not mine. Please remove it from 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 explanation
Consumer complaint received 2022-12-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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 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 an account without my written instructions Accounts : 1 ) 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 XXXXXXXX

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 2023-03-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
Please validate this information and provide with me the copies of any documentation associated with this account, bearing my signature. 
In the absence of any such documentation bearing my signature. I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ), and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to E-Oscar or any means of automated verification.

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 2019-10-04
Company: Paypal Holdings, Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX I made a money transfer through paypal to a person who was selling tickets for a concert this individual gave me their account and ask for me to screen shot when i had made the transaction and they would send me the tickets. when i send the money they did ask for me to do it through the selection of friends and family, they then went on to tell me that the payment was first on hold and a couple of days after that they said they contacted paypal and were told no money was ever sent. the money was taken from my account and i contacted paypal and they also said the money was in their account. when contacting this person they just kept with the same story of paypal telling him the payment was never made. i contacted paypal on XX/XX/XXXX again on XX/XX/XXXX and one last time on XXXX XXXX. i want my money back since i have no tickets or atleast for this individual to be stopped before scamming someone else.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27
Company: Experian Information Solutions Inc.
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I do not consent to an electronic communications. I request all responses be in writing throughtheusps and I'm the one filing this complaint, and I give Consumer Financial Protection Bureau ( CFPB ) authority to investigate this claim. Accounts that were opened without my knowledge or permission by a person close to me, whose identity I prefer not to disclose, have negatively impacted my credit score. The Federal Trade Commission ( FTC ) has assigned the following report numbers to this identity theft case : XXXX, XXXX, and XXXX. The unauthorized accounts listed below have caused me significant financial distress and I demand your immediate action in investigating and rectifying this matter : 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 ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, and XXXX XXXX. Please delete these accounts ASAP.

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 2022-12-23
Company: Experian Information Solutions Inc.
State: AZ
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:
l was in the process of applying for new employment and it was brought to my attention that there is some inaccurate Information reporting on my credit reporLl received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681 :! section 603 ( k ) ( b ) ( ll ) can be considered an adverse action.

Theretore lwant the following accounts to be updated to the correct amount, date, status, open and closed date. last date of activity and time. 
If you can not complete this request. please delete the accounts Immediately. l have provided an exhlblt of evidence showlng the Inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
Account XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX The following personal information is incorrect PREVIOUS ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. AZ XXXX XXXX XXXX XXXX XXXX XXXXXXXX, AZ 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