vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-10 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: Radius Global Solutions LLC
State: TX

Complaint narrative:
XXXX XXXX - Inquiry date : XX/XX/XXXX - Date opened : XXXX XXXX, XXXX - Credit limit : {$3000.00} - Balance : {$4500.00}. 
I have already disputed this with XXXX, XXXX, and XXXX. But, I had to file a complaint with XXXX XXXX and have not heard back from them. That would not have been an issue but I had an alert that Radius Global Solutions ( collection ) was now on my credit report. I called to see where this came from and it was XXXX XXXX XXXX account that was opened under one of the addresses that I have disputed and with the numbers that I have disputed. 

Radius Global Solution ( collection ) - XXXX XXXX XXXX, XXXX XXXX, XXXX, MN XXXX. Date opened : XX/XX/XXXX - Balance : {$710.00}. 
It showed up on my Credit Report through an alert. I had already frozen all three of my credit reports due to fraud under my name in a XXXX XXXX Account & incorrect information on my credit report. The person used a Michigan address, which I told them that I neither have lived in Michigan, I do not have XXXX XXXX XXXX, and I did not recognize any of the five numbers that were opened under the account. 

Hard Inquiries of Credit - I have reported to XXXX, XXXX, XXXX that someone has used my ID XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : wrong name and address on my credit report. Already reported them but they are still on my account XXXX XXXX - XXXX XXXX XXXX, XXXX, MI XXXX XXXX : wrong address on my credit report. Already tried to dispute these but they still show up. 
XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX : wrong address on my credit report. I have already tried to dispute this. 
XXXX XXXXXXXX XXXX XXXX SC 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 2024-09-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
I was late with a payment. I looked at my bill online and saw that I was being charged {$20.00} late fee. I called the bank, Truist, and talked to the representative about how your agency made a rule about how they can not charge me more than {$8.00}. The person I talked to told me it is in their card agreement that a late fee is {$20.00}. I asked to have the fee I was charged reduced to {$8.00} and the lady would not do it. I believe their terms are illegal and the Truist bank should not charge anymore than {$8.00}.

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 2024-09-10 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: TN

Complaint narrative:
Please remove this inaccurate entry from my credit report. I did not authorize or acknowledge this account. Enclosed are the relevant documents supporting my assertion.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-10 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: NAVY FEDERAL CREDIT UNION
State: LA

Complaint narrative:
Reporting off false information to my credit report is a violation of my rights under 623 of the fair credit act You are reporting information that I did not approve are apply for

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-10 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: Possible Financial Inc
State: LA

Complaint narrative:
Reporting off false information to my credit report is a violation of my rights under 623 of the fair credit act You are reporting information that I did not approve are apply for

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-10 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: OneMain Finance Corporation
State: LA

Complaint narrative:
Reporting off false information to my credit report is a violation of my rights under 623 of the fair credit act You are reporting information that I did not approve are apply for

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-10 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: Avant Holding Company, Inc.
State: IL

Complaint narrative:
I have reached out to avant serval times about this account. Account was charged off and sold to third party collectors. I ask avant to remove all late payments and correct my credit information because account was sold without my prior knowledge to third party vendors

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-10 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: CT

Complaint narrative:
Please delete all fraudulent accounts and hard inquiries off my credit file from XXXX, TransUnion, XXXX immiediatly. 

XXXX XXXX XX/XX/XXXX {$900.00} XXXX XXXX XXXXXXXX XX/XX/XXXX {$1300.00} XXXX XXXX XXXX XX/XX/XXXX {$1900.00} XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX 202

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 2024-09-10 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: CT

Complaint narrative:
Please delete all fraudulent accounts and hard inquiries off my credit file from Experian, XXXX, XXXX immiediatly. 

XXXX XXXX XX/XX/XXXX {$900.00} XXXX XXXX XXXX XX/XX/XXXX {$1300.00} XXXX XXXX XXXX XX/XX/XXXX {$1900.00} XXXX XXXX XXXX  XXXX, XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX 202

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 2024-09-10 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: MO

Complaint narrative:
I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling 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 non-monetary relief
Consumer complaint received 2024-09-10 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: FL

Complaint narrative:
The account is with : XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, IL XXXX Phone : XXXX Email : XXXX This account was paid off XX/XX/year> and reported to all XXXX credit reporting agencies on XX/XX/year>. However, non of them have updated my credit report as of yet. I filled a dispute with all XXXX on or about XX/XX/year>. All XXXX credit reporting agencies responded that the account balance was correct on or about XX/XX/year>. I provided a copy of the account paid in full letter on or about XX/XX/year>. 

I XXXX XXXX XXXX and after checking their records they confirmed that they had reported the account paid in full on XX/XX/year>. They also advised me that I should file this complaint. 

All XXXX credit reporting agencies are very difficult to file disputes with and impossible to get on the phone!

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 2024-09-10 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: FL

Complaint narrative:
The account is with : XXXXXXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX, IL XXXX Phone : XXXX Email : XXXX This account was paid off XX/XX/year> and reported to all XXXX credit reporting agencies on XX/XX/year>. However, non of them have updated my credit report as of yet. I filled a dispute with all XXXX on or about XX/XX/year>. All XXXX credit reporting agencies responded that the account balance was correct on or about XX/XX/year>. I provided a copy of the account paid in full letter on or about XX/XX/year>. 

I called XXXX XXXX and after checking their records they confirmed that they had reported the account paid in full on XX/XX/year>. They also advised me that I should file this complaint. 

All XXXX credit reporting agencies are very difficult to file disputes with and impossible to get on the phone!

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 2024-09-10 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: TN

Complaint narrative:
I am writing to formally dispute the collection account placed on my credit profiles by National Credit Adjusters ( NCA ), claiming that I owe {$230.00} to a company named Cash Central. I have no knowledge of this debt and have never conducted any business with XXXX XXXX. I believe this claim is inaccurate, misleading, and unfounded. 

On XX/XX/year> and again on XX/XX/year>, I requested debt verification from NCA via certified mail, as required under the Fair Debt Collection Practices Act ( FDCPA ). Despite providing ample time for a response, NCA has failed to provide any proof or documentation that substantiates the validity of this debt. This failure to respond violates my rights under the FDCPA, which mandates that a debt collector must provide verification upon request. 

Given the lack of response and the absence of any evidence supporting this claim, I am demanding that NCA immediately remove this inaccurate collection from my credit profiles with all credit reporting agencies. Continuing to report this unverified debt is a violation of the FDCPA and XXXX subject NCA to legal action. 

I expect written confirmation that this collection has been removed immediately to avoid further damage to my credit standing. 

Thank you for your immediate attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
I took a mortgage with XXXX XXXX in XXXX ; I filed XXXX XXXX Bankruptcy in XXXX and the mortgage debt was discharged, but the home was retained by my then-spouse. Over 10 years has passed so the bankruptcy no longer shows on my credit report. However, the loan servicer changed hands and the mortgage is now owned by Shellpoint Mortgage. Shellpoint is reporting the mortgage debt on my credit report as a debt I owe. This is false. I am not legally liable for the debt since it was discharged in my XXXX bankruptcy.

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 2024-09-10 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: TX

Complaint narrative:
I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling 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 2024-09-10 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: AZ

Complaint narrative:
I am writing to formally express my concern regarding the unresolved inaccuracies in my credit report. Despite multiple attempts to dispute the erroneous accounts, I have not received a satisfactory resolution or corrective action. These inaccuracies are negatively impacting my credit file and causing significant financial hardship. 

I kindly request that you conduct a thorough investigation into the reporting of the disputed accounts and take the necessary steps to correct and update my credit report. It is essential that these errors are rectified promptly to prevent further harm to my financial well-being. 

I urge you to address this matter with the utmost urgency and provide me with confirmation of the corrective actions taken. Your prompt attention and assistance in resolving this issue would be greatly appreciated. 

Thank you for your understanding and support.

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 2024-09-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
I'm being sued by a 3rd party debt collector over an account that is old from 2015 over the statue of limitations which is 5 year 's in Illinois. They have been harassing me and embarrassed me with deception and unfair improperly by contacting my building manager for information which against Illinois protective acts. 
As a XXXX  XXXX XXXX XXXX woman they unfairly filed a lawsuit against me without talking with me and this lawsuit is affecting my health and well being as a XXXX  and this firm is deceptive and unfounded. This firm is violating the Illinois laws passed ACT ( ICFDBPA ) and ACT ( ICAA ) and the amount they want is fraudalant without documentation

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Fidelity National Information Services, Inc. (FNIS)
State: NC

Complaint narrative:
Chex systems login information preventing me from viewing my credit report because of my VPN. They want me to disable the VPN just to be able to view my report. I can't log in to their website to view my information just to see if what they are reporting is even accurate.The Rep with Chexsystems said I must disable the VPN. This disable VPN before logging in is nowhere on the front page of their website. This is preventing consumers from accessing their credit 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 explanation
Consumer complaint received 2024-09-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
Hi, On XX/XX/XXXX I received promotional offer letter of 0 % APR for 12 months from Capital One Financial on the Quicksilver Card. I have been using the card since its activation on XXXX, XXXX 
Under the terms from the promotional offer letter, interest charges should accrue after 12 months ( XXXXXXXX XXXX ) however on my XXXX statement, I received an interest charge of {$71.00}. 

I reached out to Capital one to resolve the issue and take off the charge however they insisted my promotional offer was for 9 months per the member service agreement on the quicksilver card. 
In short, the offer letter from which I applied for the card had a 12 month 0 % APR. This is the source of truth and origination of my application for the card. I am not aware of any other such terms Capital One was stating. 
I asked for the interest charge to waived as this is a violation of TILA rules on Open-End Credit and misleading information to customers however they refused. 

I am asking CFPB to assist in helping get my interest charge waived. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-10 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Conn's, Inc.
State: LA

Complaint narrative:
During the month of XX/XX/year>, I attempted to go online & pull my credit report. With all 3 credit bureaus, I was informed that I was not providing enough information to verify my identity. This made me question, if there had been any identity theft issues with my credit. As a result, I ordered all three of my credit reports via mail, in order to submit additional information to verify my identity. Upon receipt of my credit reports, I noticed accounts that were not my accounts. I never opened these accounts or gave permission to have these accounts opened. I also noted inaccuracies with the spelling of my name & previous addresses. 

PLEASE REFERENCE THE FTC IDENTITY THEFT REPORT ATTACHED dated XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-10 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 recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling 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 non-monetary relief
Consumer complaint received 2024-09-10 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Healthcare Finance Direct LLC.
State: FL

Complaint narrative:
In XX/XX/2023, XXXX XXXX XXXX took the significant step of filing for XXXX  XXXX bankruptcy protection, revealing a staggering debt of nearly {$900.00} XXXX. 
I signed a contract with them on XX/XX/2023, to provide alignments to my son 's teeth for 2 consecutive years and they provide 7 months of alignments only, and then I tried to reach them but did not answer their phone, and I found that they filed for Bankruptcy in XX/XX/2023. I received a call from Health Care Financial Direct telling me that they are a 'payment processor ' for XXXX, but they are a Collection Agency, I am pretty sure Smile XXXX XXXX knew that they would disappear from business and created a backup business to still collecting the money to consumers like me after they closed their doors.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc.
State: CA

Complaint narrative:
The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief