BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-14
Company: Experian Information Solutions Inc.
State: FL
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'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-12-14
Company: Experian Information Solutions Inc.
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am writing to you with great urgency and frustration regarding a fraudulent collection account that appears on my credit report, allegedly owned by your agency. Despite previous communications, this matter remains unresolved, and I am now insisting on the immediate deletion of this account from my credit report. 
Account Information : XXXX XXXX  XXXX XXXX- PLEASE REMOVE!! XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused how you've verified it while the other bureaus have removed. Please delete this from my file. It is inaccurate, erroneous, incomplete or unverifiable. 
I have previously disputed the legitimacy of the alleged debt associated with the account mentioned above. I have provided evidence supporting the fact that this account is the result of identity theft and fraud. Despite my efforts, this fraudulent collection account persists on my credit report. 
I am irate and deeply concerned that this matter has not been resolved promptly. The fraudulent nature of this collection account has not been proven, and its presence on my credit report continues to cause significant damage to my creditworthiness.

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 2022-05-31
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:
There are many accounts, collections, & hard inquires on my account XXXX - XXXX XXXX XXXX- XXXX XXXX- XXXX There are also XXXX hard inquires & XXXX soft inquires that need to be removed In accordance with the Fair Credit Reporting act Convergent These accounts 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 response to consumer: Closed with explanation
Consumer complaint received 2023-01-18
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:
My name is XXXX 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.

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 2020-12-18
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I hope your day is going well, but I need your help. I noticed some inaccurate accounts on my credit report. I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? I got this information from theFTC and also spoke with someone with you all who told me to submit my complaint here.This incorrect information on my credit report is causing problems when I try to apply for credit.I reached out to each account on here and just can't get anyone to help me. They keep sending from one person to another. I have been dealing with this for a whole month now and the accounts are XXXX XXXX, XXXX  XXXX  XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX  There is a bankruptcy showing on my credit. I called the Bankruptcy Court in the XXXX XXXX and they verified that I do not have bankruptcy in their system. Im confused how i have a bankruptcy when I have never filed for bankuptcy and thank XXXX I dont have a need to. I am doing this on my own behalf and really need someone to help me with this. Also there are several times where someone ran my credit and I didnt give anyone permission to run my credit. If you all can help me with this as well I appreciate it 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.

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 2022-11-05
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I HAVE REQUESTED A COPY OF CONSUMER REPORT AND HAVE YET TO RECEIVE A COPY.

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 2022-06-01
Company: Experian Information Solutions Inc.
State: CT
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 acc # XXXX, XXXX XXXX acc # XXXX, XXXX XXXX acc # 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

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 2023-01-10
Company: WELLS FARGO & COMPANY
State: ID
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
XXXX XXXX XXXX & IN Moving ; I, Found a CD {$39000.00} with Well Fargo This is the XXXX XXXX XXXX Wells just refuses to Deal with this ___Who could Help me Prove or Disprove Value? _____? PLEASE < HELP <> THANK YOU IN ADVANCE, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, Id XXXX ( XXXX ) - XXXX XXXX - My Direct Landline, Call XXXX XXXX XXXX XXXX XXXX E-Mail : XXXX Mom lived in XXXX, XXXX XXXX ( XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX  ) I went & Called Wells & They have NO Interest or Records? May a FDIC/ or Audit would HELP them I was born XXXX & Raised in XXXX  XXXX Moved XXXX As my Youngest Daughter Moved with XXXX XXXX XXXX XXXX XXXX XXXX XXXX Have someone with XXXX to XXXX  years Experience in Banking & C/Ds Please, Thank YOU, 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 2022-06-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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 acc # XXXX, XXXX XXXX acc # XXXX, XXXX XXXX acc # 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

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 2021-11-04
Company: SYNCHRONY FINANCIAL
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: Account status incorrect

Complaint:
Hello, I opened a Gap credit card in XXXX and have made on time and paid off my balances in full. I did not use my card for months and was in good standing. I lost my job in due to Covid-19 XX/XX/XXXX. My credit took a hit and had a few late payments on other accounts but not this account. After months of dormant activity, I used my card in XXXX and paid the balance in full. I made another purchase on XX/XX/XXXX and planned to pay off the balance again on XX/XX/XXXX. 

I received an alert on my credit report that the card was closed. When I called Gap companies, I was informed that the card wasnt closed because of my payment history ; it was closed because of my XXXX Credit Bureau report. I was then told to contact XXXX because once my account is closed, I can never get another card or have it reopened. 

I dont understand why XXXX XXXX this but my account should not be closed. This caused my credit score to drop drastically and it has negatively affected me. If the company doesnt want to reissue my card, they should not require me to pay a balance on a card I can no longer use but Im keeping with my positive payment history, Ill pay it off. If Gap no longer wants me as a card holder, fine but my credit report reflecting this account should be updated.

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 2023-12-14
Company: Experian Information Solutions Inc.
State: AR
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 express my dissatisfaction and concern regarding the second unsuccessful attempt to expedite the removal of fraudulent items from my credit file. Despite my continued efforts and the urgency of the situation, the fraudulent entries persist on my credit report, causing significant distress and adversely affecting my financial standing. 

I understand the importance of promptly addressing and rectifying fraudulent items to safeguard my creditworthiness and financial well-being. I have previously submitted identity theft affidavits, police reports, and supporting documentation to expedite the removal process. However, it is disheartening to note that these efforts have not resulted in the desired outcome, and the fraudulent items remain unresolved. 

The persistent presence of these inaccuracies continues to hamper my ability to secure credit, obtain favorable interest rates, and manage my financial affairs effectively. 

I urgently request an immediate and thorough reinvestigation into this matter with a commitment to expedite the removal of the fraudulent items from my credit report. I expect a detailed response within the exact timeframe acknowledging the receipt of this second complaint and providing a clear plan of action to address and promptly correct the fraudulent items. 

Failure to resolve this matter expediently may compel me to escalate my complaint to regulatory authorities and seek legal recourse to protect my rights. 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

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 2023-12-14
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
The problem is as of today XX/XX/XXXX  XXXX has my name incorrect on my credit report this is not me and this is false information. I want all this information wiped clean on my Experian account. 

I can provide my correct information such as my driver 's license. 

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 explanation
Consumer complaint received 2023-12-14
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting 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:
I recently obtained my credit report on XX/XX/2023, and discovered unauthorized inquiries from the following entities : Experian - XXXX XXXX : Inquiry Date XX/XX/2023 XXXX - XXXX XXXX : Inquiry Date XX/XX/2023 XXXX - XXXX XXXX XXXX. : Inquiry Date XX/XX/2023 XXXX - XXXX XXXX : Inquiry Date XX/XX/2023 I did not initiate these inquiries and have no association with the mentioned banks. I promptly disputed these unauthorized inquiries with the credit reporting agencies and am in the process of placing a fraud alert on my credit reports. Your assistance in investigating this matter is crucial to address any potential identity theft or fraudulent activities.

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 2018-09-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
Transunion is reporting the wrong birthdate on my report now. 
I was not born in XX/XX/XXXX. I was born in XX/XX/XXXX. TransUnion is still reporting my address wrong as well. My address is ( XXXX XXXX XXXX ) -NOT- ( XXXX XXXX XXXX ). I believe they are intentionally making these changes to my report on purpose because of my disputes to cause me financial harm and distress. 
I have disputed items on my report in the past and i have always provided my id and SScard. Why all of a sudden after i dispute items on my report my birth date changes and my address. Again how can you do a PROPER INVESTIGATION if the information you are reporting is WRONG. 
( XX/XX/XXXX ) is my birthdate. 
So if they claim to be doing investigations into my disputes how can they find any of them to be mines if TRANSUNION does not even have my BIRTHDATE correct. 
So this means all of there investigatios are fraudulent and they have not done any proper investigations at my request. 
NOW I ASK AGAIN THAT THEY REMOVE ALL OF THESE INQUIRYS FROM MY REPORT, CAUSE NOW I HAVE LEGAL GROUNDS TO FILE A LAWSUITE. 
XXXX XXXX XXXX from XX/XX/XXXX XXXX XXXX XXXX Fcu Inquiry from XX/XX/XXXX XXXX XXXX XXXX/XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX PLEASE DO NOT TRY ANYMORE STALL TACTICS AND SEND ME ANY LETTERS ASKING FOR MY ID BECAUSE MY ( NY STATE ID ) IS INCLUDED WITH THIS LETTER AS WELL AS MY SS CARD.

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 2023-12-19
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Experian, XXXX XXXX XXXX have violated my rights as a consumer, According to 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' These accounts are an adverse item, theyre reporting on several occasions without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 
Also within the title 15 U.S. Code 1681 ( a ) b Consumer Report. 
( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for In addition to this section, 15 U.S. Code 1681a - Definitions ; rules of construction ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title. 
( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report I have also to the actions of trying to inform these companies on their inaccurate personal information and was met with resistance. 
These actions has caused damage 's to my life, with a few examples of my applications being denied in a time of a need also not being able to support my family in a health crisis .To which has also inflicted emotional damages of depression  in reasoning that I can not find somewhere affordable to live.

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 2023-12-14
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:
Previously disputed the account mentioned and it came back verified without any source of verification or documents I requested. This account is fraudulent and in a FTC report. This account was not truly verified as state.

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 2023-12-14
Company: Experian Information Solutions Inc.
State: NJ
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts 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 following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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 2023-05-09
Company: Experian Information Solutions Inc.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 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 2022-05-31
Company: Bread Financial Holdings, Inc.
State: NC
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:
Comenity Bank is in violation of Fair Debt Collection Practices Act section 809 ( a ) and section 809 ( b ).

They are also in violation of the Federal Credit Reporting Act sect 623 ( a ) ( 3 ). As well as NC. GENERAL.STATUTE.58-70-50 that requires a collection agency place its permit number, true name and address to all correspondence sent to the debtor.

They have failed to do what is prescribed by law in the Federal and State laws mentioned above. 

If they do not remove the negative items being incorrectly reported under my social security number on my XXXX, XXXX, and XXXX credit reports I will use all legal remedies that are alotted to me per Federal law and Local State law.

Company response to consumer: Closed with non-monetary relief