vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-13 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying 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 explanation
Consumer complaint received 2024-09-13 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Home Loan Center, Inc.
State: CA

Complaint narrative:
I had a voicemail message saying I was approved for a $ XXXX {$10000.00} loan, and they needed to confirm some information. When I called they confirmed the last XXXX numbers of my social, address, phone, email, employer, etc. For them to finalize the loan they had to log into my bank account and wanted my user ID and Password so they can connect the XXXX banks. I refused and told them I was uncomfortable doing so and if there was another way to verify. He said no and got upset. I asked to speak with his supervisor and he said why? I explained I had a few questions and wanted them to verify my info another way. He hung up on me. I called ( XXXX ) XXXX and talked to XXXX extension XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-13 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: TX

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-13 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: OH

Complaint narrative:
When XXXX closed, The supreme court sent us a letter stating that our student loans have been discharged including the XXXX  and XXXX. this was XXXX years ago then last year. XXXX sent me a letter saying I owe them from a different school.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-13 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: WA

Complaint narrative:
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 XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 informationisinaccurate. 
Please remove these Inquiries 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 2024-09-13 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Portfolio recovery has called me twice in XXXX days asking for XXXX XXXX. I am not him and I have had this phone number for over XXXX years. I was told my name would be removed from list but they still call. They buy junk loans for repayment. I have received calls from these phone numbers XXXX and XXXX. From XXXXXXXX XXXX I have also received calls to buy my house from the same area. Sadly I do not have those numbers. The calls have been a man and woman with XXXX accents. I am not a XXXX nor prejudice, just an identifiable trait. I am on the do not call list and for the most part it works fine, just get scammers sometimes. 
Thank you for all you do. 

Thank You, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: OK

Complaint narrative:
My credit report shows a new erroneous balance entry of {$34000.00}, posted by XXXX XXXX XXXXXXXX, which was reported on XX/XX/year>. When I contacted XXXX right away, they told me that the issue will be fixed in 90 days and that it was a duplicate entry brought on by their move to a new web platform. They claimed that Experian was to blame for the problem and that they did not experience it, which I told them was unacceptable as it was negatively affecting my credit score. I tried to call Experian, but I've been on hold for a very long time and they won't answer their phones. Please help me. 

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 2024-09-13 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying 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 explanation
Consumer complaint received 2024-09-13 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: CT

Complaint narrative:
Home Depot credit services through Citibank In XX/XX/XXXX I got a promotion deal from Home Depot.

The Promotion deal was if purchased {$2000.00} or more, you can pay them back in 24 Months with 0 %. 
We purchased more than {$9500.00} and make sure with the store representative again and again. 
My major concern was about the 24 Months @ 0 %. 
I was paying monthly payment {$450.00} from the day first. 
I was not aware and affiliated with my account details. 
So in XX/XX/XXXX I tried to increase the monthly payment {$600.00} instead {$450.00}. 
At this point I checked my account there was applied a huge interest amount. 
I contacted the HOME DEPOT and credit services. I called them, I went in person and did so many emails. They said to me they are trying to solve the issue. 
At the end no-one is ready for taking responsibility of mistake. 
Credit Services team says this matter will resolve the HOME DEPOT Manager and the Manager says, because she wasn't Manager at the moment when you purchased, So I can't do anything. 
The Representative of HOME DEPOT offered me, if I purchased something next they will give me 36 Months XXXX XXXX XXXX 
I requested them, please resolve my issue. 
I am worried about that, Nobody wants to listen the Customer problem. 
Please help me to solve the issue. 
Thanks

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 2024-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CL Holdings LLC
State: TX

Complaint narrative:
I received a settlement from Jefferson Capital and I paid the settlement amount. Once I paid they said I would get a welcome packet by email and I never have. I said why do I need a welcome packet since I am paying you off in full per the settlement amount. They have yet to update my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
The listed creditors are not related to me, and I have no involvement with them.

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 2024-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I have no connection to the listed creditors, and these inquiries do not pertain to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-13 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Block, Inc.
State: AR

Complaint narrative:
There was a lien put on my cash app that isn't a business account for a bill that was supposedly for my business. I've been asking cash app for 2 weeks for a copy of it and they have not helped.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Scott Fetzer Financial Group Inc.
State: CA

Complaint narrative:
I received an email from XXXX XXXX that United Consumer Financial had reported this account as late to them. It was investigated by XXXX XXXX has being REMOVED FROM THE REPORTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: MD

Complaint narrative:
Contacted Transworld Systems via telephone XX/XX/year> @ XXXX EST. Call lasted 19 minutes inquiring about the debt. When I asked the person with whom I was speaking with to verify their mailing address he tried giving a po box address. I explained that I needed to send them a certified letter and that can not be received by a po box . I then asked for a physical address in which he got hesitant and then hung up on me. I then took action and found a physical address for their 2 locations and I sent a validation of debt letter to both addresses. One location in XXXX no longer existed however the XXXX location signed for the certified mail upon receipt on XX/XX/year>. Within the validation letter it states that per the FCRA the agency has 30 days upon the date of receipt to validate the debt. Not for verification but for Validation. If their office fails to respond to the validation request within 30 days of receipt, all references to this account must be deleted and completely removed from my credit file immediately. It has now been 30 days today XXXX. There has been no response from the offices of Transworld Systems since they signed for the certified mail. This needs to be removed from my credit file. I have a copy of the validation letter, the receipt from the certified mail to include the signature upon receipt and an explanation letter of everything that happened when I tried contacting them. I have also disputed upon XXXX, XXXX XXXX XXXX along with the attached documents listed above from my personal correspondence regarding this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BARCLAYS BANK DELAWARE
State: AZ

Complaint narrative:
In 2019-2020, I failed to pay a credit card balance and the account closed. I never received anything from a debt collector, or Barclays either in mail or email, or a phone call. Time went on and I admittedly forgot about it. 
In 2022 I attempted to apply for a mortgage and was notified of the negative account. I wasnt able to locate the debt as it was sold. 
XX/XX/XXXX I was able to locate it after repeatedly calling Barclays. The collection was given to XXXX XXXX ( XXXX ) at XXXX. 
I tried to settle for a lesser amount, and was told that wasnt an option. 
XX/XX/XXXX the debt was transferred back to Barclays. Again, no communication of any form. 
I called between XX/XX/XXXX and XX/XX/XXXX and every time was told it has to be submitted to higher ups and call back in XXXX business days for options to settle I was never given any information. Never received an email, letter or a phone call either. 
I admit I gave up and thought I would wait for it to fall off my credit after so many years. 
I was denied a loan to get our septic system repaired, and this debt is holding it up. 
Once again, called Barclays XX/XX/XXXX and again had to wait for email to be sent to higher ups and was told to call back in XXXX business days, and that they would not contact me. 
I called XX/XX/XXXX and spoke with an agent who told me they would settle my account for {$930.00} and within XXXX business days of receipt my account and credit would be updated as settled and paid. 
I called today, XX/XX/XXXX to see if the cashiers check was received and was transferred twice to be told they told me the incorrect amount and the amount is actually {$1900.00}. I had no communication from them, they claim they called me twice and no option for voice mail. They have my address, email address and phone number all up to date on file but failed to communicate anything with me. Their resolution is to pay the extra XXXX dollars as they were wrong in their first offer.

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 2024-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM

Complaint narrative:
On XX/XX/year> I contacted the CFPB about XXXX XXXX  having three negative entries on my credit profile. These were in fact paid off, and yet XXXX continues to report to the credit bureaus that they are outstanding. Yes, I took three loans from XXXX  for sick animals. Over time, I paid the loan. At the time of the last payment on each loan, suddenly they dont want my credit card. I had to try to get them to bill the same card but would not. The reason was largely because they had incorrect information as to what was owned compared to what they wanted from the credit card. At the end, after it was paid, they reported the loans as write-offs, even though they were paid in full. The company refuses to justify the negative information in the credit report, nor correct it.

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 2024-09-13 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: NM

Complaint narrative:
On XXXXXX/XX/year> I contacted the CFPB about XXXX XXXX having three negative entries on my credit profile. These were in fact paid off, and yet XXXX continues to report to the credit bureaus that they are outstanding. Yes, I took three loans from XXXX for sick animals. Over time, I paid the loan. At the time of the last payment on each loan, suddenly they dont want my credit card. I had to try to get them to bill the same card but would not. The reason was largely because they had incorrect information as to what was owned compared to what they wanted from the credit card. At the end, after it was paid, they reported the loans as write-offs, even though they were paid in full. The company refuses to justify the negative information in the credit report, nor correct it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-13 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: NM

Complaint narrative:
On XX/XX/year> I contacted the CFPB about XXXX XXXX having three negative entries on my credit profile. These were in fact paid off, and yet XXXX continues to report to the credit bureaus that they are outstanding. Yes, I took three loans from XXXX for sick animals. Over time, I paid the loan. At the time of the last payment on each loan, suddenly they dont want my credit card. I had to try to get them to bill the same card but would not. The reason was largely because they had incorrect information as to what was owned compared to what they wanted from the credit card. At the end, after it was paid, they reported the loans as write-offs, even though they were paid in full. The company refuses to justify the negative information in the credit report, nor correct it.

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 2024-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am submitting my third request to have fraudulent items to be removed again from my credit report. I have already sent in a previous CFPB report to showcase my claims being an identity theft victim. During that event, I noticed that included XXXX incorrect and erroneously added remarks for XXXXXXXX XXXX ( XXXX cards ) XXXX ( XXXX card ) and XXXX Auto account ; all to be removed from my XXXX, XXXX, and Experian accounts. 
This would also include any and all removal of inquires on these bureaus as well. 

This is a matter that was previously handled after sending in a full FTC report, Police Report, FTC Identity Theft Affidavit packet ( which was notarized ), my full-color copy of my license, social security card, and an official FTC statement along with a copy of 609B to properly explain my protection under the law for an obvious act of stolen identity for accounts I have no familiarity around. 

This was all completed in XXXXXXXX XXXX XXXX, and added back again in XXXX of XXXX, I called back into each bureau by phone to re-verify that they received these items along with my CFPB report. Each bureau confirmed and took their time well over the XXXX mandatory business days by law required to remove these remarks ( which ultimately worked again. However upon checking today [ XXXX XXXX, 2024 ] I have noticed that all these accounts were reinserted and should not have been after confirming that they were permanently removed by your group and the XXXX bureaus after checking my credit report. 


I am extremely shocked and appalled that this will continue to happen. I request that these be removed immediately and compensated for the consistent and egregious reinsertion of these items from each credit bureau. This is negatively affecting my ability to refinance my home as rates continue to drop and making me spend unnecessary money on force-pulling my credit reports every month.

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