vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-30 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:
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.

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 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 2024-05-30 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: FL

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.

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 information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-30 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: TX

Complaint narrative:
Collection agency is reporting to all XXXX credit bureaus that i owe unknown debt.. I am requesting that the collection agency provides proof that this debt is owed to them and/ or that the debt is still unpaid. This dept is unknown and have not received any communication from either the original creditor or the collection agency.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-30 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Paypal Holdings, Inc
State: VA

Complaint narrative:
Summary of events : a Venmo customer service representative revealed information about my debt to a third party without my consent. This event embarrassed me and violated my rights as to fair debt collection practices. 

On XX/XX/XXXX around XXXX XXXX, I answered a phone call an acquaintance, XXXX XXXX. He stated that a Venmo customer service representative was also on the line and that the Venmo representative had verbally requested this three-way phone call. XXXX XXXX verbally stated that the reason for this phone call was to attempt to reverse a Venmo payment that he sent to me by mistake. The Venmo customer service representative then revealed information about a previous, unrelated debt they said I owed to Venmo from XXXX of XXXX. They were aware that a third party was also on the line when they revealed this information, as they requested this three-way phone call. 

The scope of the three-way phone call was to reverse a previous payment sent in error. Venmo did not have my permission to reveal that I owed an outstanding balance with them to this third party. I did not bring up this up on the phone call before the Venmo representative revealed this information and embarrassed me. 

I spoke to a supervisor at Venmo shortly after and tried to resolve what I understand to be a clear violation of the Fair Debt Collection Practices Act. They stated that they would handle the matter " internally '' and offered no other resolution. They stated during the phone call that all of these phone calls are recorded. I also gathered that the reference number relating to this case is : XXXX. The Venmo customer service representative that revealed this information to the third-party identified herself as XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-30 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: TX

Complaint narrative:
lets get straight to it. Im reaching out because there are two accounts on my credit report from XXXX XXXX XXXX ( Accounts XXXX and XXXX ). Let me be clear I have no contract or agreement with them that has my signature. None. XXXX. So, I need these debts to be addressed and removed ASAP. 

Validation of Debt under the Fair Debt Collection Practices Act ( FDCPA ) : Under 15 U.S. Code 1692g ( b ), I have the right to get proof of these debts. That means XXXX XXXX XXXX needs to show me some real evidence that I owe them anything something with my signature. They sent some papers, but guess what? No signature from me. So heres what I need : A copy of any contract or agreement with my signature that shows I have a deal with XXXX XXXX XXXX for both accounts XXXX and XXXX. 
Permissible Purpose under the Fair Credit Reporting Act ( FCRA ) : Lets talk about 15 U.S. Code 1681b ( a ) ( 3 ). This says a credit reporting agency can only use my report for specific reasons. If XXXX XXXX XXXX cant show I owe them, theyve got no business putting this on my credit report. Its got to be deleted.

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 2024-05-30 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: CA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-30 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: TX

Complaint narrative:
lets get straight to it. Im reaching out because there are two accounts on my credit report from XXXX XXXX XXXX ( Accounts XXXX and XXXX ). Let me be clear I have no contract or agreement with them that has my signature. None. Nada. So, I need these debts to be addressed and removed ASAP. 

Validation of Debt under the Fair Debt Collection Practices Act ( FDCPA ) : Under 15 U.S. Code 1692g ( b ), I have the right to get proof of these debts. That means XXXX XXXX XXXX needs to show me some real evidence that I owe them anything something with my signature. They sent some papers, but guess what? No signature from me. So heres what I need : A copy of any contract or agreement with my signature that shows I have a deal with XXXX XXXX XXXX for both accounts XXXX and XXXX. 
Permissible Purpose under the Fair Credit Reporting Act ( FCRA ) : Lets talk about 15 U.S. Code 1681b ( a ) ( 3 ). This says a credit reporting agency can only use my report for specific reasons. If XXXX XXXX XXXX cant show I owe them, theyve got no business putting this on my credit report. Its got to be deleted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-30 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: GA

Complaint narrative:
Account is not mine XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-30 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: MA

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 2024-05-30 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Radius Global Solutions LLC
State: CO

Complaint narrative:
company calling, harassing with text. Already reported their number to FTC. 

Fraudulent debt collection. Repeated harassment via text and phone. I also feel this company targets lower income customers of mixed race and gender biased customers as they are easier targets. Being basically XXXX XXXX, I can tell my race makes them full of hate toward their customers, and it shows. I want nothing to do with these racists and tell them to stop harassing 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 2024-05-30 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: MI

Complaint narrative:
I am in disagreement with the account listed below which still appears on my credit report, even after your investigation. I would like this immediately re-investigated. The inaccuracies are highly injurious to my credit score. 

XXXX : [ Ally Financial ] [ XXXX ] XXXX : [ Ally Financial ] [ XXXX ] Transunion : [ Ally Financial ] [ XXXX ] Balance : {$35000.00} In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611.

Please provide the names and business addresses of each individual with whom you verified above so that I may follow up. Please send me an updated copy of my credit report after your investigation.

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 2024-05-30 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: OH

Complaint narrative:
I recently reviewed a copy of my credit report this month XX/XX/XXXX and noticed XXXX XXXXXXXX and XXXX XXXX XXXX  on my report since XX/XX/XXXX. I have never had these services, nor applied for them in the past

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-30 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Control, LLC
State: PA

Complaint narrative:
In XX/XX/XXXX I had a XXXX XXXX taken at XXXX XXXX in XXXX, PA. I have been a patient there since XXXX. Each time I have XXXX XXXX XXXX they require a copy of my XXXX XXXX XXXX XXXX cards. I gave them on this visit as well. But because the prescription was written by my XXXX in SC, XXXX submitted the bill to XXXX XXXX XXXX SC. I have called them, written my correct insurance information on the back of the 2nd statement they sent & written them a letter. Despite all these attempts to resolve the bill, they have now turned my account over to collection.

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 2024-05-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Aldous & Associates, PLLC
State: FL

Complaint narrative:
Cease and Desist Harassment and Dispute of Account Dear Aldous & Associates, P.L.L.C., I am writing to dispute the validity of the account referenced below and to demand an immediate cessation of all harassment related to this matter. 

Account Number : XXXX Agreement with : XXXXXXXX XXXX  Current Balance : {$300.00} I refute the validity of this debt for the following reasons : 1. Lack of Notification : I have not received any prior notification regarding the overdue amount owed to XXXX XXXX. As per legal requirements, creditors are obligated to provide written notice to the debtor prior to escalating the matter to a third-party collection agency. Failure to provide such notice constitutes a violation of my rights. 

2. Harassment : I have been subjected to continuous and harassing communications from your agency regarding this debt. Despite my requests for validation of the debt and verification of your authority to collect, these communications have persisted, causing undue stress and harassment. 

3. Request for Removal : I hereby demand the immediate removal of this account from my credit report. Given the lack of proper notification and the harassing nature of the communications, I assert my right to have this account deleted from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). 

In light of the above, I demand that all communications regarding this debt cease immediately. Furthermore, I request that Aldous & Associates, P.L.L.C. take immediate action to investigate and rectify the violations outlined herein, including but not limited to the removal of the account from my credit report. 

Please be advised that any further attempts to collect on this disputed debt or any continuation of harassing communications will be met with appropriate legal action. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-30 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: AL

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.

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.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
PNC Bank credit card payment of {$1300.00} was due on XX/XX/year> out of which {$500.00} was paid on XX/XX/year> and balance {$890.00} was paid on XX/XX/year>. On my recent statement I was shocked to see interest charge of {$86.00} for not paying complete amount on the statement. They have charged interest on {$4700.00} and when I have asked XXXX different people on phone call no one had proper response and all they said is this is the interest you have to pay and it can not be reversed. 
During the same period, I had done the same thing on another credit card from XXXXXXXX XXXX against total charges of {$940.00}, I paid {$200.00} before due date of XX/XX/year> and paid balance {$740.00} on XXXX which is 2 days late but they have not charged me any interest on my recent statement. 
I am of the understanding all these interest charges are governed by XXXX regulations and this is the reason for my complain. Why is PNC Bank charging me interest not on the balance which was 3 days late but 6 times higher amount while XXXXXXXX XXXX has not charged any interest at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-30 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: GA

Complaint narrative:
This is the filling of my complaint to EXPERIAN. I accept that my data is being abused and detailed as wrong. In my credit report I discovered some slanderous things that I didn't know about. I found late payments which never occurred and accounts with mistaken data, like payment history, status, balances, and date of last activity. As per 15 U.S.C. Area 602 and 15 U.S.C. Segment 604 A Part 2, I have the right to protection and a buyer revealing office can't outfit a record without my written instructions. I have attached the FTC report to support my complaint with the FTC report number 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 2024-05-30 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: TX

Complaint narrative:
I want to be absolutely clear : I did not approve these transactions to be in my consumer report, neither in writing nor verbally. So, I formally ask to block and remove them from my record. This isn't a mistake, nor is it based on any misrepresentation. These transactions were included without my clear consent or instruction. I'm stressing this to show how serious my request is. It's based on accurate info, and I'm not trying to deceive or manipulate the situation.

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 2024-05-30 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: FL

Complaint narrative:
According to FCRA 605B, I believe we need to eliminate any erroneous accounts from my credit report. Could you verify the documents? Some of the listed accounts have incorrect information regarding the amounts and dates reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-30 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: AVANTE
State: NY

Complaint narrative:
I have received many, many calls from avante usa at XXXX. They are looking for a long lost relative that I do not have contact with. When I answer the phone they hang up. I want them to stop calling me because I do not know them or have anything to do with the person they are looking for.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CREDIT ACCEPTANCE CORPORATION
State: MO

Complaint narrative:
since XX/XX/year> i paid almost XXXX dollars then since they took my XXXX for standard payment other half goes to past due so for XXXX i should have gotten XXXX plus because of XXXX ish past due but i reviewed my bill i got XXXX ish dollars

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 2024-05-30 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 think FCRA 605B obliges us to remove any incorrect accounts from my credit report. Could you examine the documents? Some accounts are inaccurately reported, including amounts and dates.

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 2024-05-30 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: IL

Complaint narrative:
I'm disputing and investigating these wrongly reported accounts on my credit file. According to the Fair Credit Report Act, I should get {$1000.00} for each mistake. The FCRA 605B says we must report any incorrect accounts on a consumer 's report.

Company response to consumer: Closed with non-monetary relief