vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: CA

Complaint narrative:
I am writing to dispute the validity of the debt referenced in the collection notice I received. I have no knowledge or recollection of this alleged debt, and I am requesting immediate verification and validation of the debt as per my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

CREDIT COLLECTION SERVIC ( Original Creditor Name XXXX XXXXXXXX XXXX ) XXXX CREDIT COLLECTION SERVIC ( Original Creditor Name XXXX XXXX XXXXXXXX XXXX  ) XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-28 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am writing to express my extreme dissatisfaction and frustration regarding the presence of fraudulent/negative accounts on my credit report under your bureau. It has come to my attention that these accounts, which have already been deleted by other credit bureaus, still persist on your records. This situation is not only unacceptable but also damaging to my financial standing and reputation. I was the victim & I'm not sure why the CRA is not complying with the law. The other bureaus have followed suit. Im very confused why this one seems to ignore my requests.

I find it perplexing that while other credit bureaus have taken swift action to rectify this issue, your bureau has failed to do so. It is crucial for you to understand the urgency and gravity of this matter. I demand immediate and aggressive action to remove these erroneous entries from my credit report. 

XXXX XXXX XXXX  - XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused about how you've verified it while the other bureaus have removed it. Please delete this from my file. It is inaccurate, erroneous, incomplete, or unverifiable. 

XXXX XXXX - XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused about how you've verified it while the other bureaus have removed it. Please delete this from my file. It is inaccurate, erroneous, incomplete, or unverifiable. 

These discrepancies are not only inaccurate but also tarnish my creditworthiness and financial integrity. I expect your bureau to uphold the same standards as your counterparts and promptly address and rectify this situation. Any further delay in resolving this matter will be considered a gross negligence of your duty and a blatant disregard for consumer rights. 

I have attached supporting documentation, including letters from the other credit bureaus acknowledging the removal of these accounts. I demand that you treat this matter with the urgency and seriousness it deserves, ensuring that my credit report accurately reflects my true financial standing. 

If these issues are not addressed promptly and satisfactorily, I will have no choice but to escalate this matter through legal channels and file complaints with the appropriate regulatory

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 2023-12-27 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: FL

Complaint narrative:
Experian has something on their website called " Credit Report Changes ''. I called them to find out what those changes were based on and why my credit score went down XXXX points from XXXX XXXX to XXXX XXXX. I spoke to one person who sent me to another and NEITHER could answer my question. How you let these credit bureaus use offshore customer service is a joke. They can answer your questions.

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 2023-12-27 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: MI

Complaint narrative:
Incorrect personal names on my credit report. Filed a dispute online to update the spelling of my name. XXXX Incorrect account balances on my report that I disputed as inaccurate. XXXX  Inaccurate inquiries that I did not authorize.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Security Credit Services, LLC
State: NC

Complaint narrative:
I recently had my credit pulled while in the home-buying process and learned that I am the victim of identity theft where several cards have been opened in my name without my consent. please take action immediately and remove these items and addresses as I have never lived there. these items are damaging my opportunities and credit. 

I have been trying to get this resolved and the collection company has yet to provide the information as requested. 
I am requesting that this be removed from my credit report and never sold to any other collection agency in an attempt to hurt my credit. this has been both stressful and frustrating.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-27 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: IN

Complaint narrative:
I am urging you to take immediate action to remove the fraudulent accounts on my credit report, as I did not authorize them and they are causing me great concern. I have provided supporting documents and request that you investigate the matter promptly.

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 2023-12-27 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:
XXXX XXXX, 2023 Having informed Reporting Agencies that my request to, Per the FCRA as a Federally Protected Consumer, I am now opting out of any and all Authorization I the consumer may have given you Written, Unwritten Verbal, and non Verbal per 15 USC 6802.

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 2023-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have ongoing issues with the credit bureau Trans Union , LLC. Its an ongoing issue that the online dispute portal with Trans Union always have an error message and never allows me to do disputes through the online portal system. Im always having to pay for stamps and having to mail out my dispute, which takes even longer, and every time I called to get help with the situation, my concerns are overlooked and then they want me to the dispute process over the phone with somebody usually in another country that is very rude. I want to be able to look at my credit report and dispute each item on my own like everybody else is allowed to. I dont know why Im singled out and I dont know why I cant get this issue fixed, I put a ticket in to receive an email to say the ticket was closed but yet no resolution was provided to me in the email which is further upset me. trans Union has gotten very lazy with her dispute process and they never take my concern. Seriously I have over XXXX inquiries on my credit report that are all fraudulent and I dispute those and they dont get disputed thats a violation of the credit reporting act because theyre supposed to follow a protocol to disputing each item. Also, there is a collection report on my credit bureau that isnt mine that needs to be disputed. The account was a fraudulent account and I disputed it with a credit bureau and the merchant and done a identity report and try to dispute it again with Trans Union but then they wont dispute it again. I need all negative items that are listed on my credit report disputed I dont know how much clearer I can be on that dispute each item whether its the bankruptcy inquiries negative accounts, I need all that stuff investigated and remove my credit report I meant Im getting tired of constantly having riding and begging to get somebody to help me and nobody wants to

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 2023-12-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: TOYOTA MOTOR CREDIT CORPORATION
State: PA

Complaint narrative:
Purchased XXXX  vehicle XX/XX/23 with XXXX, no financing involved. Attempted to contact dealership after around XXXX  days to XXXX  about XXXX  as I had not received it, was told that they were not responsible for XXXX  and I would have to contact XXXX XXXX. XXXX  voicemails left after that with XXXX  department have not been returned. Recently reached out to XXXX and was informed that I have not received my XXXX  because there is a valid XXXX on my record through Toyota Motor Credit Corporation and XXXX XXXX will not be given to me until the XXXX is paid off or the XXXX XXXX  releases it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-27 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: FL

Complaint narrative:
They called saying I owed a XXXX  debt to XXXX XXXX XXXX. I have a XXXX different XXXX  debts from XXXX and the name sounded familiar so I paid it. Then I noticed on the charge on XXXX  XXXX  card that the call back number was to a XXXX XXXX customer support line, which I verified through XXXX XXXX was fake. Ive never had an account with XXXX XXXX. Then I looked through XXXX XXXX bills and never found XXXX for XXXX XXXX XXXX, then Googled and learned that company doesnt exist. I called back but they kept asking me my info and stalling on the line so I got scared and hung up. 

The company name is XXXX XXXX XXXX The charge was for {$240.00} from XXXX XXXX XXXX XXXX and the call back number to the fake XXXX XXXX support was ( XXXX ) XXXX. They were calling XXXX  for weeks but the transaction happened on XX/XX/2023.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-27 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: T.S. Holdings
State: NV

Complaint narrative:
In an attempt to contact IQ Data International Inc. I mailed the company letters asking them to verify that this debt belongs to me. I asked to company a Copy of original contract with signature, name and address of original creditor, proof of collections authorization, purchase debt agreement. This information was not provided to me. The company attempted to send me the amount of unverified debt and the document only included the debt amount and who the creditor was that sold them the debt. Its been over 60 days since my last letter was sent to the company and in return they offered to open another investigation about this unverified debt.

The address associated with this debt is not open my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SANTANDER HOLDINGS USA, INC.
State: FL

Complaint narrative:
I am in the status of trying to repair my credit and purchase a home and I saw that the company Santander Consumer USA has reported a charged off status on my on XXXX and XXXX credit report, but the company did not send me a copy of the 1099-c form. I have notified Santander by writing several times for a copy of the 1099-c. As of today 's date I have not received a copy since 2018. Due to this being on my credit report the creditor is causing more financial hardship by violating the FCRA by not providing an option for me to dispute this creditor of my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
on XX/XX/23 i sent a letter regarding inaccurate information and unknown things on my credit report to this day XXXX  days later i havent recieved a response yet. I feel like Im being taken advantage of and my disputes are being ignored. Section 611 ( a ) says failure to investigate within XXXX  days gives reason to immediately remove those items. I demand these accounts be removed immediately. My info was also compromised during the XXXX breach.

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 2023-12-27 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: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
On XX/XX/2023 I mailed LVNV FUNDING, RESURGENT a notice to remove furnished collection account information placed on my consumer reports after my opt out request under the Gramm Leach Bliley Act 15 USC 6802. 

They did not respond to my notice or remove the collection reporting. 

It is now XX/XX/2023 more than 30 days since delivery.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-27 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: VA

Complaint narrative:
In accordance with The Fair Credit Reporting Act this creditor has violated my Federally Protected Consumer rights. Per 15 USC 1681b Permissble Purposes 604a section 2 - states any consumer reporting agency may furnish a consumer report under the following circumstances an no other : ( 2 ) CLEARLY STATES : in accordance with the written instructions of the consumer in which whom it relates. ( violation # 1 ) Under 15 USC 1681 602 ( a ) STATES : Accuracy and fairness of credit reporting.The Congress makes the following findings : ( 4 ) STATES : There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy.

UNDER : Privacy Act of 1974 ( 5 U.S. Code 552a ) ( b ) Conditions of disclosure : STATES No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains, unless disclosure of the record would be -- ( VIOLATION # 2 ) 15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ;

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 non-monetary relief
Consumer complaint received 2023-12-27 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: NC

Complaint narrative:
I am disputing misinformation on my credit reports for Experian, XXXX, and XXXX. There is inaccurate information that is being reporting for several accounts that are documented for each report from these agencies. According to 15 USC 1681e ( b ) I am entitled to have maximum possible accuracy on my credit reports. I have disputed these inaccuracies with each of the reporting agencies and they have not been removed. I want the inaccuracies removed from my credit reports with my various accounts.

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 2023-12-27 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: Radius Global Solutions LLC
State: TX

Complaint narrative:
On XX/XX/2023 I've had a derogatory status that has impacted my credit report tremendously due to the fact that the creditors, credit report agencies, and furnisher was in violation of the Fair Credit Reporting Act 15 U.S.Code-1681 602. Also Privacy Act 5 U.S Code 522. Due to such actions by this creditor & credit reporting agency being Radius Global Solutions with XXXX XXXXXXXX being the originally creditor, & XXXX has left me with a balance of {$470.00}. I have made several attempts to try to resolve this issue by agreeing that i would pay this so called debt if proof was shown that I Consumer was who in fact initially opened this account. Which they have failed to do so. Their only response that I will be forced to pay this already discharged debt.

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 2023-12-27 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: VA

Complaint narrative:
In accordance with The Fair Credit Reporting Act this creditor has violated my Federally Protected Consumer rights. Per 15 USC 1681b Permissble Purposes 604a section 2 - states any consumer reporting agency may furnish a consumer report under the following circumstances an no other : ( 2 ) CLEARLY STATES : in accordance with the written instructions of the consumer in which whom it relates. ( violation # 1 ) Under 15 USC 1681 602 ( a ) STATES : Accuracy and fairness of credit reporting.The Congress makes the following findings : ( 4 ) STATES There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy.

UNDER : Privacy Act of 1974 ( 5 U.S. Code 552a ) ( b ) Conditions of disclosure : STATES No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains, unless disclosure of the record would be -- ( VIOLATION # 2 ) 15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ;

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 non-monetary relief
Consumer complaint received 2023-12-27 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: VA

Complaint narrative:
In accordance with The Fair Credit Reporting Act this creditor has violated my Federally Protected Consumer rights. Per 15 USC 1681b Permissble Purposes 604a section 2 - states any consumer reporting agency may furnish a consumer report under the following circumstances an no other : ( 2 ) CLEARLY STATES : in accordance with the written instructions of the consumer in which whom it relates. ( violation # 1 ) Under 15 USC 1681 602 ( a ) STATES : Accuracy and fairness of credit reporting.The Congress makes the following findings : ( 4 ) STATES There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy.

UNDER : Privacy Act of 1974 ( 5 U.S. Code 552a ) ( b ) Conditions of disclosure : STATES No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains, unless disclosure of the record would be -- ( VIOLATION # 2 ) 15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ;

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: SUNCOAST CREDIT UNION
State: FL

Complaint narrative:
I opened my Suncoast accounts XX/XX/2023. I was promised a {$100.00} digital card for opening my account as seen here : XXXX XXXX XXXX I called Suncoast on XX/XX/2023 and spoke with XXXX, one of the team leads, who checked my account and he confirmed to me that I would receive the promised {$100.00} bonus. 

I patiently waited and after several back and forth messages with Suncoast, I never heard anything back. 

I would like to be paid the {$100.00} bonus which was the initial reason for joining. It was in their marketing and advertising complaint that convinced me to open the accounts.

Company response to consumer: Closed with explanation