vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-31 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Radius Global Solutions LLC
State: AR

Complaint narrative:
I received four notices radius globe solutions a debt collection agency about loans that I had with XXXX for attending XXXX XXXX in XXXX XXXX Arkansas from XXXX XXXX XXXX the multi-state AG settlement anyone who attended a for profit school /closed schools.I was want them to stop trying to collect on debt that has been ordered ore deemed noncollectable by the multi-state AG settlement I Just want live my life in peace the little time that I have left on this earth I'm XXXX going on XXXX and don't want to spend the rest of my life dealing with federal and private student loans that were clearly meant to keep me in debt, looking back I know now that I was mislead into taking out these loans some of them I didn't even know I had until years later from entering the school until the end was one big scam I realized my grades were fixed so I could attend XXXX in XXXX XXXX took the XXXX XXXX XXXX that day XXXX XXXX XXXX XXXX  and the guy was acting concerned and offered to give me a second chance at it and he came back on the second try and said I passed even though I marked any answer down weather it was right or not and some how I Passed on the second try I know now looking back that I should have never gotten into the school and I could have passed the second try so they must have altered my grade to keep me in there it was He just kept making it sound like I would be missing out on and opportunity of life time and that it would be hard for me to get in later because they were always getting new students and I only attend because of promise of job placement and hope to change life for the better after I got out couldn't find a job and there was no help from the school and no service 's I was always told I didn't qualify for any reduced payments and that I could do a forbearance this was XXXX at the time then XXXX  with the same old song.

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 2024-12-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: AL

Complaint narrative:
I noticed a {$730.00} bad debt on my credit report. I disputed the debt with XXXX and provided the information they requisted and the letter fron the Social Security Admin that someone was using my SSAN. 

XXXX contacted me and stated they were writting off the debt and it dissappeared from my credit reeport. 

Now 2 years later, I noticed A Jefferson Captial Sys. placed a dept collection notice for XXXX for {$730.00} on my credit report. They have not contacted me in any way to state they are collecting the debt. I contacted Jefferson and requested proof of the debt. When I was talking to them they requested all my personnal information. The line was a open line and could hear several people taking in the background. I refused to state my information they said they already had on a open non-secure line. 

Jefferson contacted my wife and demaned she give them my contact information. She gave them my phone number and repeated the request for proof of the debt. Three months later I have not received anything or a phone call from from Jefferson or XXXX. 

These people are fradulenty affecting my credit and refuse to prove the debt is mine or contact me in any way.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 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: TX

Complaint narrative:
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-31 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: AL

Complaint narrative:
I was car shopping and I was assured my credit would only be ran twice when I obtained a copy of my credit report I noticed several unauthorized inquires on my credit report that I did not give my permission to run my credit XXXX millions times. Please delete these unauthorized inquiries immediately from my credit report. 
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 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 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.

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 2024-12-31 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:
I was car shopping and I was assured my credit would only be ran twice when I obtained a copy of my credit report I noticed several unauthorized inquires on my credit report that I did not give my permission to run my credit XXXX millions times. Please delete these unauthorized inquiries immediately from my credit report. 
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 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 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: CA

Complaint narrative:
I had auto insurance for at least XXXX consecutive years with XXXX ( now called the XXXX XXXX ) which was automatically deducted from my bank account each month. 
The usual amount that was deducted was {$160.00}. On XX/XX/year>, the amount deducted was {$540.00}. This increase in payment was unauthorized and without my consent, so I filed a claim with my bank, XXXX. This unauthorized deduction also caused me to cancel my policy with XXXX on XX/XX/year> via email. XXXX responded via email on XX/XX/year> and verified that I canceled my policy. 
However, XXXX sent me a statement on XX/XX/year> for {$540.00}. When I didnt pay, they sent me to Credit Collection Services XXXX 

In XX/XX/year>, I received a notice in the mail from Credit Collection Services that I owed this debt. I called Credit Collection Services on XX/XX/year> and spoke with XXXX. I told XXXX that I did not owe this debt because I canceled my car insurance on XX/XX/year>, and the bill for the car insurance was on XX/XX/year>. XXXX verified that this was true. I asked XXXX, why then do I still owe a debt? I wanted details but he did not tell me why ; he did not give me any details. He just said to fax any proof or bank statements. 

On XX/XX/year>, I faxed Credit Collection Services a statement from my bank, XXXX, that said they completed their investigation into the unauthorized deduction from XXXX in the amount of {$540.00}. XXXX refunded me the whole amount of {$540.00}, thus verifying the deduction from XXXX was unauthorized. 

In XX/XX/year>, I received a notice in the mail from Credit Collection Services, verifying that it was XXXX who charged me {$540.00} on XX/XX/year>, but they still did not give me any details on what this was from if XXXX was charging me after I canceled my policy! Credit Collection Services just lowered the amount to {$210.00}. 

On XX/XX/year>, I faxed Credit Collection Services bank statements from my personal checking account from XX/XX/year> until XX/XX/year>, showing that XXXX consistently deducted {$160.00} each month until XX/XX/year>, when they suddenly deducted {$540.00}. ( Please see attachments ). This was to prove that my debt was not from unpaid premiums, and that I canceled my policy due to an unauthorized increase. Again, I asked for details on the debt because I do not owe this debt. 

I received a letter from Credit Collection Services in XX/XX/year>, saying that I owe the debt but they still gave no details on what the debt was from. They increased the amount back to {$540.00}. 

I have asked Credit Collection Services multiple times for details regarding this debt that I do not owe, but they refuse to provide me with any details!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 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: RI

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to file a complaint against XXXX  for failing to provide me with a 1099-C form for a debt that was forgiven in excess of prescribed guidelines. This is a violation of IRS regulations. I request that the CFPB investigate this matter and take appropriate action to ensure that I am not unfairly penalized for XXXX XXXX failure to provide me with the necessary tax form by invalid negative reporting.

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 2024-12-31 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: TX

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 2024-12-31 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: WA

Complaint narrative:
My credit means a lot to me, and Im really worried about the mistakes on my credit report. These inaccuracies super stressful to my mind and theyre affecting my ability to secure new credit. Ive worked hard to build my credit and its just frustrating to see it impacted by errors that arent even my fault. I'm just really worried but all I can do right now is hope.

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 2024-12-31 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: NJ

Complaint narrative:
I am writing to formally dispute and request the correction of inaccurate personal information on my credit report. Upon review, I noticed discrepancies in my listed address history. These errors are unrelated to me and should be removed to ensure the accuracy of my credit profile. 

Specifically, I request the removal of the incorrect addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I also request that my credit profile be updated with the accurate information : Full Name : XXXX XXXX Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/year> To support my request, I have attached : A copy of my government-issued ID verifying my name and date of birth. 
A recent utility bill confirming my current address. 
A copy of my Social Security card verifying my SSN. 

This letter serves as a formal dispute under the Fair Credit Reporting Act ( FCRA ). I request that you : Investigate and remove any inaccurate personal information from my credit report. 
Update my credit profile with the correct details listed above. 
Provide written confirmation of the corrections and supply an updated 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 2024-12-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Do the same to this account and XXXX XXXX. XXXX, XXXX - XXXX Identified Inaccuracies Discrepancy in Date Opened : Experian reports the account as opened on XX/XX/year>, while XXXX lists it as XX/XX/year>. 
This inconsistency violates FCRA Section 611 [ 15 U.S.C. 1681i ], which requires accurate and consistent reporting across credit bureaus.

1. Balance Reporting Errors : Both Experian and XXXX list the balance as {$940.00}, but no verifiable documentation has been provided to substantiate this amount. 
2. 6 of 19 Failure to verify and validate this information violates FCRA Section 623 [ 15 U.S.C. 1681s-2 ], which mandates furnishers to ensure the accuracy of reported data.

Lack of Verifiable Documentation : No evidence has been provided to prove the legitimacy of this debt, including the original signed agreement or proof of debt ownership.

This is a clear violation of FCRA Section 611 [ 15 U.S.C. 1681i ] and CFPB guidelines, which require creditors to provide evidence of debt upon dispute.

3. Failure to Update Account Status : The status remains as XXXX, despite no confirmation or resolution being provided. This is non-compliant with Metro 2 Compliance Standards, which require accurate, timely, and complete updates to consumer credit files.

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 2024-12-31 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:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-31 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: GA

Complaint narrative:
I HAVE BECOME A VICTIM OF IDENTITY THEFT. RECENTLY CHECKED MY CREDIT REPORT, AND I NOTICED NUMEROUS FRAUDULENT ACCOUNTS, INQUIRIES, AND ADDRESSES CREATED BY AN UNKNOWN PERSON USING MY IDENTITY, WITHOUT MY AUTHORIZATION OR KNOWLEDGE. MY PURSE CONTAINING MY, ID, DRIVER LICENSE, AND SS CARD WERE STOLEN XX/XX/XXXX XXXX XXXX  DURING MY CEREMONY CELEBRATION AT MY HOME AND NEVER RECOVERED .THESE TRANSACTIONS ARE THE RESULT OF IDENTITY THEFT, AND ARE UNRELATED TO ANY TRANSACTIONS MADE BY MYSELF. I AM NOT ERRONEOUSLY REQUESTING A BLOCK, NOR HAVE I ACQUIRED GOODS, SERVICES OR MONEY AS A RESULT OF THE TRANSACTIONS IDENTIFIED IN THIS IDENTITY THEFT REPORT. 

XXXX FRAUDULENT ACCOUNTS RESULTING FROM IDENTITY THEFT XXXX XXXX XXXX \ XXXX XXXX XXXX XX/XX/XXXX {$2300.00} XXXX  XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$6000.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$11000.00} TRANSUNION FRAUDULENT ACCOUNTS RESULTING FROM IDENTITY THEFT XXXX XXXX XXXX  \ XXXX XXXX XXXX XX/XX/XXXX {$2300.00} XXXX  XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$6000.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$11000.00} ADDRESSES RESULTING FROM IDENTITY THEFT XXXX XXXX XXXXXXXX XXXX, GA XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX CA 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 non-monetary relief
Consumer complaint received 2024-12-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : 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 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 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 XXXXXX/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 2024-12-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I contacted EQUIFAX 1months ago to delete my hard inquiries, Idid not authorize this please delete This in my credit report. 
On my XXXX report this all delete Please delete immediately I attached all the documents, 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

Company response to consumer: Closed with explanation