BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-11
Company: CITIBANK, N.A.
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: Information belongs to someone else

Complaint:
I recently filed a report with XXXX XXXX and XXXX  of inaccurate items being reported on my credit reports. Failure to delete items that were disputed as debts which resulted from identity theft is a violation of The Federal Fair Credit Reporting. I never received notification of these debts on my credit reports. This is a defamation of character and misrepresentation of my true credit worthiness. I recently applied for a loan and was denied due to inaccurate information being report on my credit reports. I am exercising my right as a consumer who is a victim of identity theft. I ask that these accounts be deleted within 15 days of these receipt otherwise I will be forced to file a litigation explicitly stating your companys negligence to abide by the Fair Credit Reporting Act and Fair Debt Collection Practices Act.

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 2022-09-27
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:
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 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 response to consumer: Closed with explanation
Consumer complaint received 2021-07-07
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
ASSOCIATED CFPB COMPLAINT NUMBERS : XXXX ; XXXX ; XXXX XX/XX/2021 Re : Letter to Correct/ Add Credit Information To Whom It May Concern : On XX/XX/2021, I filed a formal complaint with your office, as well as the Consumer Financial Protection Bureau ( CFPB ), regarding several issues with my Equifax credit report, and incomplete and inaccurate information reported. On XX/XX/2021, Equifax replied to the CFPB complaint, noting that a response will be mailed. To date, no response has been received by me. I received a copy of my credit report and found the following item ( s ) to be missing from my Equifax credit report : The following information is missing from my credit report. I would like it added to my credit history report, as the creditor has verified their reporting to you, and you are not reporting accurate information : XXXX. XXXX XXXX  Account Number : XXXX 2. XXXX XXXX XXXX XXXX Account Number : XXXX 3. XXXX XXXX XXXX XXXX Account Number : XXXX 4. XXXX Account Number : XXXX 5. XXXX Account Number : XXXX 6. XXXX Account Number : XXXX 7. XXXX Account Number : XXXX 8. XXXX XXXX Account Number : XXXX 9. XXXX XXXX Account Number : XXXX 10. XXXX XXXX Account Number : XXXX 11. XXXX XXXX Account Number : XXXX 12. XXXX XXXX Account Number : XXXX ( closed account with positive history ) 13. XXXX XXXX Account Number : XXXX ( closed account with positive history ) 14. XXXXXXXX XXXX XXXX Account Number : XXXX 15. XXXX/XXXX  Account Number : XXXX By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and added correctly my report. By not accurately reporting my credit standing, Equifax has caused me harm with denial of credit from other lenders. I understand that under federal law, you must complete this reinvestigation within 30 days of receipt of this letter. I am enclosing a copy of my Equifax report that shows this account is missing. Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
Company: Navient Solutions, LLC.
State: MI
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
In XXXX and XXXX I took out XXXX in loans from XXXX XXXX for my daughter 's education. I was new to financial aid, I believed that I was getting a parent plus loan each time. Fast forward to now, it is a private loan, I have tried to work with now Navient only to be told that at this point my loans equal to XXXX. I can not afford the XXXX per month payment that they are demanding, 2 years ago I worked out a plan for XXXX per month, that lasted for 4 months, then it returned to XXXX per month. After that arrangement they only will put me on deferment, but won't work out a payment for me. My daughter is not in a position to pay this loan and I work for a non-profit. I don't want to file bankruptcy but I can't take the 12-20 calls a day. Now they are calling my XXXX yrs old mother, telling her she will lose her social security if she doesn't help pay this. ( She co-signed for the original loans ) At the time of the loans my mother was already retired, and I was only making XXXX per hour, at a non-profit organization. I believe I was set up for failure.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
Company: EQUIFAX, 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:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27
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:
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 XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX Bank # 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 2023-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX 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 2022-11-23
Company: EQUIFAX, 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:
In according with the Fair Credit Reporting act XXXX, Account name-XXXX XXXX XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C1681 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 2023-01-31
Company: Experian Information Solutions Inc.
State: PA
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 follow-up 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 items 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. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022

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 2023-10-13
Company: Experian Information Solutions Inc.
State: DE
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
According to the FCRA, income should not be reported on a consumer credit report. However, I have discovered that both XXXX and Experian have erroneously included a canceled debt as income on my credit report. As per the guidelines set forth by the Internal Revenue Service ( IRS ), a canceled debt should be reported as income. I have attached a copy of the 1099B form that clearly states this and serves as proof that the canceled debt is considered income under the IRS guidelines. EXPERIAN AND XXXX are reporting XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
I have made multiple attempts to have this inaccurate information corrected by contacting both XXXX and Experian directly. I requested proper validation and what method they used to validate. However, despite providing them with the necessary documentation and following their dispute procedures, I have not seen any resolution or correction on my credit report. 
I kindly request the assistance of the Consumer Financial Protection Bureau in this matter. I believe that XXXX and Experian 's actions are in violation of the FCRA, specifically regarding the reporting of income on a consumer credit report. I would greatly appreciate it if the CFPB could investigate this case and take appropriate action to rectify the situation. 
attached is my photo ID and a copy of the 1099B form that clearly indicates the canceled debt should be considered income and not reported on a consumer credit report. 
I look forward to your prompt attention to this matter and hope for a resolution that aligns with the FCRA guidelines. Thank you in advance for your assistance.

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 2023-02-17
Company: Radius Global Solutions LLC
State: CT
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have tried everything to show this bill was fraud never my bill I sent information formatted in a letter and this bill was originally XXXX. It was removed from one of the credit bureaus at least four times however once it's sold to another collection agency it seems to come back on y credit report. I have never lived at this address or signed up for XXXX. I stated this and showed I've been in XXXX XXXX, CT during the activation of this company resources. I had XXXX in XXXX XXXX, CT during this time living in XXXX XXXX CT, XXXX. This bill has never been mines nor has any proof been shown this. Please look into to this and remove it permanently so I don't keep having this issue of disputing this company. It only keeps appearing on XXXX from a collections company named Radius Global Soultions in which I've contacted them as well about this. Please help assist me on this matter.

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 2023-08-05
Company: Experian Information Solutions Inc.
State: AL
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 AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

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 2023-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
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 2018-07-27
Company: EQUIFAX, INC.
State: CA
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:
RE : Hard Inquiry/Unverified on my behave.

I recently checked my credit reports with XXXX, Equifax, XXXX.

I have a Hard Inquiry from company : XXXX  Hard Inquiry done on : XX/XX/2017 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX BYMAILONLY I mailed a letter to XXXX  Dispute center and to the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX.I have not yet received any return correspondence, at All.From neither companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31
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:
By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the listed account which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. I would like to confirm the payment history and status of the account : XXXX XXXXX Balance {$3400.00}. As I believe this account is reporting inaccurate information. I was never late on this account because I always make my payments on time. I keep my own payment records and the record you present do not match with what I have. I request a thorough investigation of this account and update for legal and lawful accuracy. Please investigate the way this account : XXXX XXXX XXXXX Balance {$410.00} ; reports information. I do not recall being late on the dates this account presents. I always make my payments on time and I was never late. As per FCRA, reporting of account information must be accurate. I need this account investigated and updated immediately for lawful accuracy.

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 2023-08-05
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
According to the Fair Credit Reporting Act 15 USC 1681 sec 602a says " There is a need to ensure consumer reporting agencies exercise their grave responsibilities with FAIRNESS, IMPARTIALITY, and a RESPECT for the consumer 's right to privacy. '' XXXX and Experian are consumer reporting agencies and I XXXX ; XXXX. I have a RIGHT to make sure my PRIVATE INFORMATION isn't shared which is evidenced at 15 USC 6801 that says " It is policy of the Congress that each Financial Institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the secuIrty and confidentiality of those customers ' non-public information. XXXX XXXX XXXX XXXX is a financial institution by definition under title 15 usc 1681 sec 604a ( 2 ) that says " In general Subject to subsection ( c ), and consumer reporting agency may furnish a consumer report under the following conditions and no other : in accordance with the written instructions of the consumer to whom it relates. XXXX XXXX XXXX XXXX the financial institution and the consumer reporting agencies XXXX and Experian DO NOT HAVE MY CONSENT to furnish this information and they certainly DO NOT HAVE MY WRITTEN CONSENT. ANY CONSENT TO XXXX, EXPERIAN, OR XXXX XXXX XXXX XXXX whether verbal, non-verbal, written, implied, or expressed IS REVOKED, RESCINDED, AND TERMINATED!! 15 USC 6802 ( b ) ( c ) says " A financial institution may not disclose nonpublic information to a nonaffiliate third party unless- the consumer is given an explanation of how the consumer can exercise that nondisclosure option XXXX XXXX XXXX XXXX XXXX  never informed me of my RIGHT to exercise my nondisclosure option. 15 USC 1681C ( a ) ( 5 ) says Expect as authorized under subsection ( b ), no consumer reporting agency make any consumer report contain ANY of the following items of information ANY other ADVERSE items of information, other than records of convictions. ADVERSE means to prevent success.

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 2023-10-04
Company: EQUIFAX, 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:
My information was impacted by the Equifax data breach and many different fraudulent items that i don't recognize have shown up on my credit report. Under FCRA 15 U.S. Code 1681n ( b ) ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ( 2 ) such number of punitive damages as the court may allow. I did not initiate any of these accounts furthermore if you feel like I did please send me copies of my written signature giving consent to this matter please. Also, I did not consent to authorize the sharing of my non public information. The reporting of the information is NOT fair and equitable to me as the consumer. 15 USC 1681 section 602 A states I have the right to privacy. 15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an 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. Also, they aren't even in compliance with XXXX XXXX credit reporting. I have evidence to prove my case!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-01
Company: Global Portfolio Recovery, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I have received 19 calls from number XXXX XXXX XXXX from XXXX XXXX, they have made threats of 'legal ' action against me & said I owed XXXX XXXX dollar ( my number is XXXX XXXX XXXX ). I have a land line phone number of XXXX XXXX XXXX & they now call both phones, this number they call numerous times a day as many as 5 or 6 times. 
I am looking for a job to this is very stressful when I think it's for a potential job & it's them, harassing me. XXXX XXXX XXXX

Company response to consumer: Untimely response