BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2024-01-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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:
Hi i'm reaching out today because I currently have a bankruptcy reporting on my consumer file that I did not consent to by law. This is a direct violation of 15 USC 1681b because I never gave the the courts written consent to post my private personal information to my consumer report. This is also a direct violation of my privacy under the privacy act of 1974 as I was never given an option to opt out of the reporting of this particular public record. This is my formal notice to opt out the reporting of this account on all of my consumer reports.

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 2023-09-10
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: Account status incorrect

Complaint:
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 
According to 15 use 1681 ( 5 ) The credit bureaus said everything was complete and accurate and I asked them how if the open date is wrong. 
Then I ask them to provide me description of the investigation according to 15 USC 1681 ( 7 ) and they never did. I have proof of my letter for that. 
Also according to 15 USC 1681 s-2 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. 
This is violation after violation after violation. This is causing me stress because I have no hope with this system

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 2023-09-10
Company: Experian Information Solutions Inc.
State: CA
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:
On XX/XX/XXXX Experian is showing the account with XXXX as a collection account from XXXX to XXXX. This account was paid off and should be showing a XXXX BALANCE. However, Experian is not showing the XXXX BALANCE THAT NOTHING IS OWED ON THIS ACCOUNT. 

IN ADDITION REMOVE THE COLLECTION STATUS IF THE ACCOUNT WAS PAID OFF. HOW ARE YOU STILL REPORTING COLLECTION IF PAID OFF? 

ALSO, THIS ACCOUNT NEEDS TO SHOW XXXX BALANCE AND NOT WRITTEN OFF XXXX BECAUSE THAT IS A LIE XXXX WAS NOT WRITTEN OFF. 

I HAVE SPOKEN TO XXXX AND THEY STATED YOUR INFORMATION IS INCORRECT.

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 2023-09-10
Company: Experian Information Solutions Inc.
State: GA
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:
In accordance with the Fair Credit Reporting act XXXX  Account, Creditor : XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Balance {$1200.00}, XXXX XXXXXXXX Account number XXXX Date opened XX/XX/XXXX Balance {$2000.00}, XXXX XXXXXXXX Account number XXXX Date opened XX/XX/XXXX Balance {$2600.00}, XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Balance {$30000.00}, XXXX XXXXXXXX XXXX  Account number XXXX Date opened XX/XX/XXXX Balance {$1200.00}, XXXX XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Balance {$3000.00}, XXXX XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Balance {$6800.00}, XXXX XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Balance {$25000.00}, XXXX Account XXXX XXXX Date opened XX/XX/XXXX Balance {$3700.00}, XXXX XXXXXXXX XXXX Account XXXX XXXX Date opened XX/XX/XXXX Balance {$2200.00}, XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Balance {$4800.00}, 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 2023-09-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
While I dont have the exact amounts of the money involved. I ended up in XXXX and am not able to get a normal bank account due to someone stilling my information and trying to get some cash and was unsuccessful. That left me in a bad situation where I could not get a bank account once I needed it and still can not. I am at the point now where I dont know what else to do but wait 5 to seven years for this issue that was not even me.Im at a loss at what to do.

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 2023-09-10
Company: Experian Information Solutions Inc.
State: CA
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:
XXXX XXXX XXXX is a debt buyer Collection company that is reporting a negative debt acct that I am not responsible for to XXXX and Experian consumer reporting agencies. I am not liable for this debt with the original creditor XXXX XXXXXXXX XXXX  and XXXX XXXX XXXX which was charged off due to last payment made XXXX XXXX. That charge off account was dropped from my consumer credit reports several months ago, due to the timeframe of the last payment being 7 years ago per FCRA. XXXX is violating my consumer rights by reporting this negative account to my consumer credit reports despite of the FCRA rules related to statues of limitations of reporting collection debt aligned with original creditors factual reported last payment received by the consumer and the Californias statute of limitations legally collecting for a credit card debt is 4 years of last payment received. XXXX XXXX XXXX is reporting this collection account as OPEN status since XXXX, despite of the charge off account with the original creditor was either in XXXX, due to the last payment was XX/XX/XXXX made to the original creditor. XXXX did not report to Experian and XXXX for the month of XXXX due to my dispute directly with XXXX and Experian, but XXXX did start back reporting on XX/XX/XXXX to XXXX. Also XXXX is improperly reporting this negative account to XXXX on XX/XX/XXXX as a NEW OPEN collection activity account with a 120 days late delinquency, but no history reported data showing the months with or without payments, credit report shows open date as XX/XX/XXXX, when in fact the account was previously reported as closed prior to XX/XX/XXXX re-reported information. I never signed an agreement with XXXX validating this debt or provided authorization to XXXX to report to my consumer credit reports as well as well.

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 2023-09-10
Company: Experian Information Solutions Inc.
State: RI
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: Investigation took more than 30 days

Complaint:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

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 2023-09-10
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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX 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

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 2017-10-22
Company: CITIBANK, N.A.
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: Credit inquiries on your report that you don't recognize

Complaint:
On XXXX XXXX, XXXX I got an email from XXXX XXXX stating that i have a new inquiry on my XXXX report. It states XXXX XXXX checked your XXXX credit report recently. I do not recognize this inquiry.

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 2023-09-11
Company: Experian Information Solutions Inc.
State: SC
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:
In accordance with the Fair Credit Reporting Act this account ( XXXX ) Has violated my Federally Protected Consumer rights to privacy code ( 15usc 1681 ) .They aren't in compliance with metro 2 credit reporting.

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 2023-09-10
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:
I sent certified letters to each company on XX/XX/23, which I included identity theft affidavit and my identification, but each credit bureau is continuing to report fraudulent information on my consumer report. They have also added a fraudulent address attached to one of the accounts. Ive made each bureau aware that I was a victim of identity theft, but they continue to report inaccurately. XXXX straight out ignored my letter and supporting documents.

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 2023-09-10
Company: Experian Information Solutions Inc.
State: GA
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 stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in a Experian & XXXX breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected.This is a defamation to my character and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also it is illegal these companies should NOT be furnisher people 's information to XXXX party companies so this is illegal, neglect and fraud. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can be can get sued for these damages. This is negatively effecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed immediately

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 2023-11-10
Company: Experian Information Solutions Inc.
State: MA
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 like to request the removal of multiple unlawful hard credit inquires from my credit report. I've obtained a copy of my credit report from your agency and observed the presence of unapproved inquiries. The following is a list of the unauthorized inquiries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-17
Company: Kriya Capital, LLC
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am writing to formally dispute the collection account listed on my credit report ( s ) under your collection agency 's name. The account in question appears as [ XXXX ] and was reported on XX/XX/2023 by XXXX. I have zero knowledge of this account.

Pursuant to the Fair Credit Reporting Act, specifically Section 1681b, I am exercising my right to request validation of this alleged debt. I kindly ask for documentation that proves I am legally responsible for this debt, including but not limited to : 1. A complete account history demonstrating the original creditor 's agreement or contract bearing my signature, affirming my obligation to this debt.

2. Verification of the validity and accuracy of the debt amount claimed.

3. Details on the original creditor, account number, and any pertinent documentation that confirms the legality and ownership of this debt.

Please note that failure to provide the requested validation within 30 days from the receipt of this letter will result in my expectation for the immediate removal of this collection account from all credit reporting agencies in compliance with the FCRA.

I am aware of my rights under the Fair Credit Reporting Act, and I am prepared to take appropriate legal action should this matter not be resolved satisfactorily.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-16
Company: JPMORGAN CHASE & CO.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Money of {$37000.00} was wired to a scammer. Requested to recall the wire transfer but the bank denied the claim saying it was an authorized transaction and I benefitted from the transfer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-10
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have received a copy of my credit report " XX/XX/2023 '' and there are several wrong personal identifiers in the file ( address, employer and name ). This will keep jeopardizing my identity if they are not changed immediately! I want all inaccuracies removed as soon as possible please before any bad consequences happen to me because of these incorrect things, it is really harming my life. I've been trying to get my information updated for over 3 months now but never got results.

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 2023-09-10
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 found inquiries on my credit report that do not belong to me

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 2023-09-10
Company: Experian Information Solutions Inc.
State: CA
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:
I sent Experian, a consumer XXXX XXXX, a dispute letter on XX/XX/2023 asking nicely to remove specified items from my report that I do not give them written instruction/consent to report pursuant to 15 USC 1681b ( 2 ). ( attached in the documents below titled " Experian Dispute Letter PDF '' ) REPORT NUMBER : XXXX They have now completed their " investigation '' and they did not comply with my request. Not even close. I have attached the initial letter and proof of delivery below.

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 2023-09-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX XXXX reported incorrect amount. I attempted to dispute it on Credit Karma and I got no results.

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 2023-09-10
Company: Experian Information Solutions Inc.
State: NY
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:
Reporting act ( XXXXXXXX XXXX XXXXXXXX Account # XXXX ), has violated my rights. 15 U.S.C 1681 section 602 A. States I have the rights to privacy.

15U.S.C 1681 Section 604 A Section 2 : It aiso states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late any reason.

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 2023-12-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX XXXX XXXX is a business credit card which is included in company 's XXXX XXXXXXXX. The account holder is XXXXXXXX XXXX XXXX XXXXXXXX, XXXX. However, XXXX is still trying to collect and harm my personal credit. 

XXXX has a claim under my XXXX XXXX Under Bankruptcy law, this is clear harassment by XXXX and XXXX. XXXX can't collect from the business and me personally. This debt is a business only debt. 

Please remove it from my credit report and place on my commercial credit file as XXXX XXXX 

I demand an end to the harassment by XXXX and 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 2023-12-13
Company: EQUIFAX, INC.
State: WA
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:
Hello Looking at my credit report and disputing with the 43 bureaus which have gone nowhere and now no correspondence from them, I still have discrepancies that must be removed immediately.

These discrepancies are majorly impacting me from providing a house for my family.

According to 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 XXXXXXXX Account # XXXX Violating 15 U.S.C 1681 section 602 A. and 15 U.S.C. 1681s-2 ( A ) ( 1 Account XXXX XXXX Account # XXXX Violating 15 U.S.C 1681 section 602 A. and 15 U.S.C. 1681s-2 ( A ) ( 1 XXXX XXXX Bankruptcy Reference number XXXX, XXXX This has been on my credit reports for 9 years violating 15 U.S.C 1681c. ( a ) ( 5 ) I am asking for these accounts that are reporting incorrectly to be removed immediately. Thanks

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-10
Company: Experian Information Solutions Inc.
State: CO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Wrong address and wrong name reporting on my credit. Already filed a report with 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