BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-13
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: Investigation took more than 30 days

Complaint:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, North Carolina XXXX SS # : XXXX Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute several negative items that have been found in my credit report. I am concerned that these items are having a negative impact on my credit score, and I would like to request that they be removed or corrected. 

Firstly, there is an inquiry listed from XXXX XXXX that I did not authorize. The date of the inquiry is listed as XX/XX/XXXX. I have no recollection of authorizing this credit pull, and I request that it be removed from my credit report immediately. 

Secondly, there is an account listed with XXXX XXXX. The account number is XXXX. I am concerned that the payment status, balance, comments, payment history, and account number may be incorrect. I request that you verify this information and correct any errors that may be present. Alternatively, please remove this account from my credit report completely. 

Lastly, there is an account listed with XXXX XXXX XXXX XXXX. The account number is XXXX. Again, I am concerned that the payment status, balance, comments, payment history, and account number may be incorrect. I request that you verify this information and correct any errors that may be present. Alternatively, please remove this account from my credit report completely. 

I hope that you will take this matter seriously and take the necessary steps to correct or remove these negative items from my credit report. Thank you for your attention to this matter. 

Sincerely, 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: Experian Information Solutions Inc.
State: VT
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:
In accordance with the fair credit Reporting act XXXX XXXX # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. Payment on said account was never late

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: 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: Investigation took more than 30 days

Complaint:
I reached out to the President of XXXX in XX/XX/XXXX about inaccuracies with my credit report. XXXX from the office of the president reached out and way coy about my files I had two private student loans that were both charged off in XX/XX/XXXX. Everytime I dispute and request for the information to be accurate on all credit reporting agencies. XXXX then re-ages the account which causes the account to continue to stay on my account longer. And Experian continues to report 90day lates while nothing is reported to XXXX. Again another FTC violation. 

This is deliberate for me not to request the accounts to be removed for inaccurately reporting. XXXX has removed both accounts because the information is incorrect. XXXX and Experian should be moved ASAP. Otherwise Im forced to file a lawsuit.

At this point there are multiple FTC credit reporting violations that have occurred and both accounts must be removed and XXXX is doing everything to report inaccuracies to credit bureaus while hurting my credit while I have called all of this out. Even XXXX and Experian are not helping. Experian continues to show 90 day lates every since month while XXXX does not. 

Both accounts should be removed 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 2024-01-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
at the date XX/XX/XXXX I send the letter to TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA, XXXX, in reference to Dispute and Verification of Collection/Charge-off Account on My Consumer File. 
formally dispute and request verification for a collection or charge-off account Account Number : XXXX, Creditor Name : XXXX, Account Number : XXXX, Creditor Name : XXXX XXXXXXXX, Account Number : XXXX, Creditor Name : XXXX, that is currently being reported on my credit report ( Reference Number : XXXX ). I have reason to believe this account does not belong to me or has been inaccurately reported. 
Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i and the right to accuracy and verification of debts under 15 U.S.C. 1681s-2 ( a ), I kindly demand that you provide me with the original contract containing my wet ink signature which will validate and verify the debt allegedly belongs to me. 
Specifically, in accordance with these regulations, I request the following : The original contract or agreement with my wet ink signature. 
A detailed account history, including any and all payments made. 
The license numbers and state registrations of the collection agency to ensure its legality to collect a debt in my state. 
Documentation that verifies the amount you are reporting.If you can not provide these documents or if the alleged debt can not be verified, then reporting it would be a direct violation of the FCRA. Hence, in such a scenario, you would be obligated to promptly delete this account from my credit report. 

its more then 30 days and they don't delete all the accounts 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 non-monetary relief
Consumer complaint received 2023-03-12
Company: Experian Information Solutions 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:
In accordance to the Fair Credit Reporting Act, XXXX  account number XXXX XXXX XXXX, has violated my rights. 

15 U.S.C. 1681 Section 6 States, I have the right to privacy.

15 U.S.C. 1681 Section 602 A, Section 2, I also state, 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 2023-03-13
Company: Experian Information Solutions Inc.
State: MD
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 and # XXXX, XXXXXXXX XXXX XXXX # XXXX and # XXXX, XXXX : # XXXX, XXXX : # XXXX and # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-15
Company: EQUIFAX, INC.
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:
n accordance with the Fair Credit Reporting act XXXX XXXX # XXXX, has violated my rights. 

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX, has violated my rights. 

n accordance with the Fair Credit Reporting act XXXX XXXX # XXXX, has violated my rights. 

n accordance with the Fair Credit Reporting act XXXX XXXX # XXXX, has violated my rights. 

n accordance with the Fair Credit Reporting act XXXX XXXX # XXXX, has violated my rights. 

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX, has violated my rights. 

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX, has violated my rights. 

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX  # XXXX, has violated my rights. 

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX, has violated my rights. 

n accordance with the Fair Credit Reporting act XXXX # XXXX, has violated my rights. 

n accordance with the Fair Credit Reporting act XXXX XXXXXXXX # XXXX, has violated my rights. 

n accordance with the Fair Credit Reporting act XXXX # XXXX, has violated my rights. 

n accordance with the Fair Credit Reporting act 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 response to consumer: Closed with explanation
Consumer complaint received 2023-03-13
Company: Experian Information Solutions 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:
Recently Experian responded to a dispute, through this CFPB website stating they had ADDED MY NAME AND ADDRESS to my report, but the dispute that was sent to them certified mail and also disputed on This site was there should be ONLY 1 variation of my name and ONLY 1 address listed for me! As adding to already listed incorrect information doesnt resolve a dispute issue! 

According to 15 USC 1681 Accuracy and Fairness, has been violated again! 

Please correct my information as you cant not be accurately resolving any other disputes that I currently have if you do not have the correct personal information, are you guys actually doing thorough investigations? Identification is uploaded to the Experian app and was sent with my previous dispute via certified mail.

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

Complaint:
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 XXXX. XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX  XXXX. Has violated my rights. 15 U.S.C 1681 Section 602 A states I have the right to privacy. 15 U.S.C 1681 Section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following, other than records of convictions of crimes which antedates the report by more than 7 years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information agency if the person knows or has reasonable cause to believe that the information is inaccurate

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-13
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I asked the credit bureaus to verify the following accounts but after sending in a letter of dispute, they still failed to verify the said accounts. 

In accordance with the Fair Credit Reporting act, XXXX XXXX Account number : XXXXXXXX XXXX XXXX Account number : XXXXXXXX XXXX XXXX Account number : XXXX XXXX XXXX Account number : XXXX  DEPTEDXXXX Account number : XXXX DEPTEDXXXX Account number : XXXX DEPTEDXXXX Account number : XXXX DEPTEDXXXX Account number : XXXX DEPTEDXXXX Account number : XXXXXXXX XXXX XXXXXXXX Account number : XXXX XXXX XXXX XXXX Account number : XXXX XXXXXXXX XXXX  ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 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 2023-03-13
Company: Experian Information Solutions Inc.
State: TN
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 following accounts have violated my rights : XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX, 15 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose

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 2023-11-14
Company: Experian Information Solutions Inc.
State: MI
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 have no knowledge of hard inquiries on my report. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
On XX/XX/2023, letters were sent to XXXX, Transunion, and XXXX to request the removal of hard inquiries reported to my credit file, because I did not authorize those companies to pull my credit report and I do not recognize them. The credit bureaus responded back to me stating that the hard inquiries were verified without providing proof of how they verified the accuracy of the information.

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 2023-03-12
Company: Experian Information Solutions 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 had a XXXX XXXX card from 2017 that was paid off in full. But it still shows as a negative item on my credit report. The account is paid and closed as agreed and i would like the item removed off of my credit report. The account has been settled

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 2024-01-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated ', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.

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 2023-03-10
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX SS # : XXXX Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing in regards to the charges and collections listed on my credit report. I dispute the accuracy of the information provided by the credit reporting agencies and request that these items be removed immediately. 
XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX XXXXXXXX Charge Off Account XXXX XXXX Charge Off Account XXXX XXXX Charge Off Account XXXX XXXXXXXX Charge Off Account XXXX XXXX XXXX XXXX Charge Off Account XXXX XXXX Collection Account XXXX XXXX Collection Account XXXX XXXX XXXX Collection Account XXXX XXXX XXXX Collection Account XXXX XXXX Charge Off Account XXXX XXXXXXXX Charge Off Account XXXX XXXX Charge Off Account XXXX  XXXX Charge Off Account XXXXXXXX XXXX XXXX Charge Off Account XXXXXXXX XXXX XXXXXXXX XXXX Charge Off Account XXXX XXXX Charge Off Account XXXX XXXX XXXXXXXX Charge Off Account XXXX Charge Off Account XXXX XXXX Charge Off Account XXXX XXXX Charge Off Account XXXX XXXXXXXX Charge Off Account I am emotionally distressed by the presence of these negative marks on my credit report. They are affecting my ability to secure loans, housing, and employment opportunities. The Fair Credit Reporting Act requires that information on my credit report be accurate, and I believe that the charges and collections listed are not. 

I request that you provide me with evidence that these charges and collections are accurate, including documentation of my alleged agreement to the terms of the loans and credit lines in question. I also request that you provide me with information on the companies that have provided information to the credit bureaus, as required by law. 

Under the Fair Credit Reporting Act, I have the right to dispute any information on my credit report that I believe to be inaccurate. I expect that you will take prompt action to investigate and remove the disputed items from my credit report. 

Thank you for your prompt attention to this matter. 

Sincerely, 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