vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-17 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Harris & Harris, Ltd.
State: IL

Complaint narrative:
XXXX, XX/XX/year>, XX/XX/year> XXXX ( XXXX ) XXXX Harassment phone calls from multiple phone numbers trying to collect on a debt that Ive never heard of trying to collect a debt when Im on the do not call registry

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-17 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: PA

Complaint narrative:
I have recently received a copy of my credit report and I noticed several inaccuracies and unauthorized accounts/information reporting on my credit. These remarks have been detrimental to my credit health and my life.

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 2024-09-17 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: Radius Global Solutions LLC
State: FL

Complaint narrative:
RADIUS GLOBAL SOLUTIONS 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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) section states : No consumer reporting agency make take 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 1681 S-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

Company 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 2024-09-17 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: CA

Complaint narrative:
I feel disrespected because for the past two months, I had nothing but so much effort in asking your company to remove these accounts immediately off my report and yet here we are- they are still reporting from my file and it's so frustrating to constantly ask for something that should've been attended to months ago. It is really affecting me and my credit scores and it is starting to negatively affect my life 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 non-monetary relief
Consumer complaint received 2024-09-17 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
I reached out to Navient in attempt to see if they would take a settlement that was within my financial realm. Navient, the XXXX XXXX XXXX  of a company, turned me down. I was in school at the time I reached out to Navient for a resolution but they're predatory ways still bombarded me with phone calls, emails and text messages. How can I still be in school and still be forced to make payments? When this loan was taken out with my name, I was barely out of highschool! I didn't even graduate from the college that the money was sent to! This loan started off at XXXX and now it exceeds almost XXXX from the hellish interest rates alone! Now I get messages saying that Navient is going to pass my info to another loan servicer?? Is this their way of avoiding accountability?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-17 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: FL

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 non-monetary relief
Consumer complaint received 2024-09-18 00:00:00
Product: Debt collection — Private student loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Weltman, Weinberg & Reis Co., L.P.A.
State: PA

Complaint narrative:
Continually called number not authorized to call repeatedly from XX/XX/year> until XX/XX/year> after I repeatedly told them not to contact the number.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I have already reached out to the credit bureaus regarding the inaccuracies on my credit report, but unfortunately, they have not taken the necessary steps to fix them. These errors are significantly impacting my creditworthiness and making it challenging for me to access favorable financial opportunities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-17 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I couldn't believe it when I saw incorrect accounts on my credit report this morning, and I have no idea where they came from. I check my credit report all the time, and Ive never seen anything like this. I even refreshed the page, hoping it was just a glitch, but the false accounts stayed. Im requesting that the documents Ive submitted be thoroughly examined so I can stop stressing about this issue.

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 2024-09-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I XXXX XXXX am a natural person submitting this complaint... I am not using a third-party agency. I have sent in disputes to Transunion asking them to delete a charge off and a repossession off my consumer report. I have asked them to please provide me with the method of validation, I would like to know the steps that was used to validate this debt I need all correspondents of who you spoke with their phone numbers and email address, etc. Transunion does not have 30 days to respond they have 15 days to respond. simply matching a name and date of birth is not enough to say that they have validated the debt that they perceive to be mines. I need to know the method of validation. I also wanted to make note that my last date of activity is inaccurate. my last date of activity is being updated continuously with a repossession and a collection/charge off account which is inaccurate because that falsifying date of payment information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-17 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I have been Battling XXXX for the past 10 years and I have recently discovered that my medical care giver has been using my personal information to take out XXXX credit cards in my name fraudulently without my consent XXXX XXXX XXXX  XXXX XXXX account number XXXX opened in XX/XX/XXXX XXXX ) XXXX XXXX  XXXX opened in XX/XX/XXXX XXXX ) XXXX XXXX opened XX/XX/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 2024-09-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Citi XXXX XXXX XXXX  credit card offers a service called XXXX which allows you make payment plans on expenditures over {$75.00} over a period of time. Service works with XXXX where XXXX lets you select this feature at checkout time and XXXX ( I believe ) pays the interest because when used through XXXX, the interest is always 0 % and the number of months given to pay purchase is based on total spent - as an example a {$100.00} charge will give you only the option for 3 months interest free in your Citi XXXX card while a purchase of {$300.00} will give you XXXX and 6 months options and a {$500.00} will give you 3, 6 and 12 months interest free finance options. Once you setup your card to pay something like the entire monthly statement balance PLUS your XXXX  MONTHLY AMOUNTS DUE, the system automatically figures out to charge everything you spent the month before MINUS the TOTALS in XXXX where it should only 'collect ' the monthly payment for EACH XXXX  PLAN. Citi is supposed to add any extra payments to the highest interest balances first. However, since they are all 0 % from XXXX, it should ignore these 0 % XXXX  plans and apply any extra payments ( beyond the prior balance and all required monthly XXXX amounts ) to the XXXX  with the highest interest/cost. However, here list the CITI BANK SCAM - it actually does NOT DO THAT, and it APPLIES ANY EXTRA PAYMENT XXXX the 0 % XXXX, BLATANTLY IGNORES the HIGHEST COST XXXX, and ANY EXTRA MONEY LEFT AFTER PAYING ALL 0 % XXXX  IS APPLIED TOWARDS THE XXXX ' MONTH 'S BALANCE for the MONTH that has NOT CLOSED YET. This is NOT what they explain to you because the BALANCE of the month that has YET TO CLOSE is 0 % - you HAVE NOT YET BEEN BILLED FOR THAT MONTH - this falls within the 30-day grace period which has not even begun yet because current billing period has not closed yet. So, I have the ONLY ONE XXXX XXXX LEFT ( {$1800.00} with an $ XXXX fee for 12 months - they don't allow you to choose any period LESS THAN 12 MONTHS 'EVEN ' if you are financing the minimum {$75.00}, which is ridiculous ) that I'm paying a FEE FOR and that one plan ONLY got it's MINIMUM monthly due amount applied towards it. This is NOT what I was explained MULTIPLE TIMES when I called to make sure before creating the XXXX  XXXX  and they won't fix the reallocation of my extra $ XXXX payment to no avail.

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 2024-09-17 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: MD

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 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 2024-09-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I'm feeling incredibly overwhelmed and deeply disheartened by these circumstances that have negatively impacted my mental and emotional well-being, and have even caused distress for my family! Please, prioritize the removal of these accounts as soon as possible!

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 2024-09-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I disagree with the account listed below which still appears on my credit report, even after your Investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score. Account name : XXXX  XXXX Account number : XXXX. In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.

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 2024-09-17 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: EQUIFAX, INC.
State: NV

Complaint narrative:
I disagree with the account listed below which still appears on my credit report, even after your Investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score. Account name : XXXX  XXXX Account number : XXXX. In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-17 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: CA

Complaint narrative:
I disagree with the account listed below which still appears on my credit report, even after your XXXX. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with The Fair Credit Reporting Act, Public law XXXX, XXXX VI, Section XXXX, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.

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 2024-09-17 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
On XX/XX/year>, I, XXXX XXXX XXXX  XXXX, exercised my right to opt out of an account with XXXX XXXX XXXX, as per the provisions under applicable privacy and consumer protection laws. This opt-out request was sent via certified mail, tracking number XXXX XXXX XXXX XXXX XXXX XXXX, which was delivered on XX/XX/year>, and via certified mail XXXX XXXX XXXX XXXX XXXX XXXX, delivered on XX/XX/year>. 
On XX/XX/year>. 
By the end of XX/XX/year>, I received written confirmation from XXXX acknowledging receipt of my opt-out request in accordance with the XXXX XXXX ( XXXX ). XXXX confirmed that the request would be processed promptly. 
However, on XX/XX/year>, after reviewing my updated credit report, I found that the account in question was still present. I also spoke to XXXX on XX/XX/year>, and was informed that a request to remove the account from my consumer report had already been submitted. As the account remains on both my Equifax and XXXX consumer reports, I am now escalating this matter to the Consumer Financial Protection Bureau ( CFPB ) to enforce my rights and ensure the removal of this account from all relevant consumer reports. If you do not initiate an investigation regarding my dispute AND DELETE this information within 4 business days of receipt of this notice per 15 USC 1681c-2, as is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Each violation of the FCRA allows damages of {$1000.00} should this matter be up in court. 
I have suffered emotional distress as a result of this matter and have felt severely anxious. Therefore, I am compelled to escalate this matter and request a FAIR and EQUITABLE resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-17 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: AK

Complaint narrative:
Late Dispute Letter XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX To Whom It May Concern : I recently received a copy of my Experian, and XXXX Credit Report and I noticed that XXXX late payments from XXXX XXXX is still posted on my report : XXXX XXXX XXXX XXXX XXXX Your company Experian XXXX XXXX and XXXX XXXX XXXX has XXXX violations. 
Both Experian and XXXX have violated the laws by keeping the late payment on my credit report, and not deleting this account as XXXX did. Under 15 USC 1681 Accuracy of Report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

All three credit agencies are to provide the same information for accuracy. 


Also, Your company is in clear violation of the law. Under 15 USC 1681B-permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( A ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a Consumer report under the following circumstances and no other : ( XXXX ) In accordance with the written instructions of the consumer to whom it relates. 

I did not give written instructions to furnish this account on my credit report. 

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( XXXX ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( XXXX ) EXCLUSIONS-Except as provided in paragraph ( XXXX ), the term consumer report Does not include- ( A ) Subject to section XXXX of this title, any- ( I ) report containing information solely as to transaction or experiences between The consumer and the person making the report : DELETE this account from my consumer report. This agency is in violation of 15 USC 1681. 

Failure to respond satisfactorily with the deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal action being taken against your company, for which I will also be seeking {$1000.00} per violation for : XXXX. Defamation of character. 
XXXX. Negligent Enablement of XXXX XXXX. 
XXXX. XXXX XXXX Collections Practices XXXX XXXX XXXX XXXX violations. 
XXXX. Fair Credit Reporting Act 15 USC 1681 Violations for willful noncompliance XXXX. Civil liability for willful XXXX15 USC 1681n . 

Best Regards, 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 2024-09-17 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: GA

Complaint narrative:
Over the past 12 months I have sent several dispute letters to Experian asking them to verify the debt and they ignore my request and never do any investigations. I attached one the recent letters that I sent them and they completely ignored the letter. The letter that I sent included a copy of my driver license, social and recent bill and they ignore my request.

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