vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Messerli & Kramer P.A.
State: SD

Complaint narrative:
Since XXXX i have tried contacting the debt collector I thought that had the collection with little response. I was told it was sent to Messerli and Kramer. First of all I was never notified of this. I have tried numerous times to get ahold of this Messerli and Kramer to pay this off with no answer. I have sent emails to I assume a general box that clearly doesn't get looked at. I have called and called with no luck. I am not denying I owe this. I will not pay this. I have tried my part.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
According to the Consumer Financial Protection Bureau ( CFPB ), Equifax has a history of failing to investigate consumer disputes properly, even leading to legal action for non-compliance with the Fair Credit Reporting Act ( FCRA ). 

Federal law ( 15 U.S.C. 1681i ) requires Equifax to conduct a thorough reinvestigation of disputed items within 30 days. Any inaccurate, incomplete, or unverifiable information must be removed. 

I am disputing the following items that should have already been resolved : XXXX XXXX XXXX XXXX- {$29000.00} XXXX XXXX XXXX XXXX {$38000.00} XXXX XXXX XXXX XXXX  XXXX XXXX XXXX {$19000.00} I have provided supporting documentation multiple times, yet these errors remain. This failure to act is causing ongoing financial harm. I expect a proper investigation and resolution immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harris & Harris, Ltd.
State: NJ

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and XXXX. Please update/block/delete the following inaccurate accounts and unauthorized inquiries reported in my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

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 2025-02-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXXXX/XX/XXXX Experian Information Solutions Inc . 
XXXX XXXX XXXX XXXX, TX XXXX Telfono : XXXX Re : Security Freeze Request Dear Sir/Madam, I, XXXX XXXX XXXX with Social Security Number XXXX, a resident of XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX, submit this affidavit to request a security freeze on my credit report. Pursuant to my rights under applicable federal and state laws, including but not limited to the Fair Credit Reporting Act and any other relevant regulations, I hereby formally request that a Security Freeze be placed on my credit file immediately. 
Affidavit : 1. Applicant Identification : Full Name : XXXX XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX Current Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX. Security Freeze Request : o I request that a security freeze be placed on my credit report to prevent unauthorized third-party access, except for those legally authorized or with my explicit consent. 
o This freeze should remain in place until I personally request its removal in writing, in compliance with applicable legal requirements. 
3. Attached Documentation : I have attached the following documents to verify my identity and process my request : o A copy of my drivers license or government-issued ID.

o A copy of a recent utility bill or bank statement confirming my current address. 
o A copy of my Social Security Number.

4. Affirmation : I declare under penalty of perjury that the information provided in this affidavit is true and correct to the best of my knowledge. This request is made in good faith to protect my credit information.

5. Confirmation Request : I hereby request written confirmation of the receipt and implementation of this security freeze request. I appreciate your prompt attention to this matter.

Sincerely, 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 2025-02-21 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
This was already deleted from my reported and handled XX/XX/XXXX. I asked the collector to verify when this was opened and the address and it says XX/XX/XXXX. The addesss presented didnt match, and I didnt possess anything from this company ( XXXX ) XXXX Per the FCRA, as a federally protective consumer, I am now opting out any and all authorization, I the consumer may have given you, written, unwritten, verbal and non verbal, per 15 USC 6801. Per code 15 U.S. Code 1692 ( g ) this is unlawfully being reported. THE PRIVACY ACT OF 1974. ( 15 USC 1611 ) Criminal liability for willfully and knowing violations. ( 15 USC 1681 ) Accuracy and Fairness of Credit reporting. IT IS ILLEGAL TO REPORT TRANSACTION HISTORY. 
XXXX and Equifax both who are being sued for violating consumer rights and removing items, then letting them be put back on credit files without showing property information or the due diligence of investing proves everything thats happening here. XXXX also never informed me of the investigation that proved legitimacy, accuracy, or who they spoke with during their dispute process. Especially that they removed this account, and added because another collection company purchased. If the accuracy was wrong before, how did it change for them to hurt my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This complaint is additional to my previous complaint # XXXX Experian still has not properly investigated and has ended the dispute resulting in this item still being on my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

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 2025-02-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2025-02-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Dispute Department : Upon reviewing my credit report I have identified certain information that is reporting incorrectly. Please make sure that the only information that is reporting in my credit report is the one mentioned stated below : My full name is : XXXX XXXX XXXX My correct date of birth : XX/XX/year> My correct Social Security number:XXXX  My correct address is : XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-21 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: FL

Complaint narrative:
Your company do not have any documents with my social security on or signature. I have lived in XXXX  not XXXX XXXX. 

Violation of 15 US code 1681b

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to formally dispute an inaccurate and unauthorized loan account that appears on my credit report via closed account/collections with [ TransUnion ] but has already been removed from my XXXX and XXXX reports XXXX 

The account in question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Transunion )  Date Opened XX/XX/year> According to my records, this loan is inaccurate, outdated, or has been removed by XXXX, yet it remains on my [ TransUnion ] report. Under the Fair Credit Reporting Act ( FCRA ), all reported information must be accurate, complete, and verifiable across all bureaus. Since XXXX has already deleted this account, I request an immediate investigation and removal from your records. 


Additionally, you are still reporting inaccurate names, addresses, and Phone numbers of which I previously advised must be removed according to Per the Fair Credit Reporting Act, Section 607 ( b ), consumer reporting agencies are required to ensure the maximum possible accuracy of information reported. The inclusion of these variations does not reflect my true address, which is : Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXll inaccurate information must be removed. 

Supporting Documents Attached : Copy of my government-issued ID ( for verification ) Copy of my XXXX report ( showing the loans removal )

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 2025-02-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have identified serious billing errors under 15 U.S. Code 1666 ( b ) on my credit report, including unverified late payment marks and the creditor 's failure to accurately reflect payments and credits. Despite my prior formal request for evidence substantiating these late marks, the creditor has failed to provide any legally required proof of investigation or verification. Furthermore, the creditor did not issue a proper billing statement at least 21 days before the due date, as mandated by law, rendering any late payment reporting invalid. This blatant disregard for accurate reporting is unacceptable. I demand that these inaccuracies be immediately corrected by updating the items to 'Paid as Agreed ' or removing them entirely from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I'm a victim of identity theft XXXX XXXX XXXX I filled this report because information that has occurred accrued on my account credit account is incorrect and inaccuracy. I have not opened these accounts. These accounts are fraudulent accounts that I did not get any authorization for. In the midst of this report that I'm reporting, I have no acknowledgment how the hackers has accued my information or have any acknowledgment of how they even attain to send my information and attachment of information that was accued to reflect upon accuracies of my address. Social security number as well as phone numbers has been attained as it was accurate in the theft that was cause by me being a victim of a XXXX theft so I am putting and complaints as well as dispute on these matters. On each credit bureaus to correct the errors I am a victim of identity theft Identity theft information XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-21 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: KS

Complaint narrative:
The options provided previously don't quite cover this. I went to XXXX XXXX XXXXy and it was a predatory school where we were made to take out various loans for reasons outside of school. NAVIENT recently allowed for forgiveness of these loans and I applied for all three loans. Two of them were forgiven but one wasn't because of the TYPE of loan that it was. It didn't matter to NAVIENT that the school told me to take out this type of loan because the other types weren't available, and they still took the money from me as a result. But Navient is saying that they can't forgive this last loan because the money was given to me directly. This was a change from their original offers for forgiveness. 

I sent in applications and paperwork, which I'll include here. The loans were forgiven almost immediately. Then the account with the remaining loan was quickly turned over to XXXX. When I reached out to them about the issue, they said that I had to speak with NAVIENT. I'm essentially being bounced back and forth instead of being able to get to an actual resolution. These predatory loans have had an adverse affect on my life and financial wellbeing as I can not apply for loans for a home or car and that do not come with exceedingly high fees and interest. It's written on my credit as a charge off/bad loan for an egregious amount. Over four times what I borrowed and GAVE to the school.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-21 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: RI

Complaint narrative:
The card was purchased in XXXX for {$500.00}. The card has been impossible to use with new rules every time we try. Most recently I tried to use the {$500.00} card for a {$500.00} purchase. My available balance says {$500.00}. The card was declined. They said to purchase something they hold 20 % of the card balance so you buy a {$500.00} card and it shows availability but in reality you may only spend {$400.00} because of the hold. Then you can use 80 % of that 20 % until its depleted except there are also minimum purchases. These holds are really fees. 

I try to make my {$500.00} purchase since my balance is {$500.00} it is declined. When I called they explained for no reason they hold the fund for 7 calendar days and you may try again in 8 calendar days. In what world is this ok? 

This complaint is Vanilla Gift Card .com

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized credit inquiries and inaccurate personal information made without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

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 2025-02-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have discovered unauthorized accounts listed on my credit report that I have no association with. This is not only unjust but also deeply troubling. Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681, I am entitled to a correct and complete credit report, and these inaccuracies should not be negatively impacting my financial standing. I demand a thorough investigation and immediate correction of these errors. Should this matter not be resolved to my satisfaction, I will be forced to take legal action to protect my rights.

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