vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-21 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: Radius Global Solutions LLC
State: TX

Complaint narrative:
I am writing to dispute the following information that appears on my credit report from XX/XX/XXXX : XXXX XXXX XXXX XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$610.00}. 
This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$450.00}. 
I dont agree with the negative payment status and history listed on this account. Please provide all statements showing the exact past due amount of any missed payments and the exact date that this account became negative. 
Collection account from RADIUS GLOBAL SOLUTION with account # XXXX and a balance of {$740.00}. The original creditor is XXXX XXXX. 
I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. 
XXXX account from XXXX XXXX XXXX with account # XXXX and a balance of {$590.00}. The original creditor is XXXX. 
I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. 
Collection account from XXXX XXXX XXXX with account # XXXX and a balance of {$0.00}. The original creditor is XXXX. 

I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. 
Please reinvestigate these matters and delete or correct the disputed information as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-21 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: DE

Complaint narrative:
XXXX XXXX. I paid my total amount owed to Synchrony Bank. My XXXX XXXX. Then I received a bill for {$65.00} and charge. I called to ask how I owed them money when I paid my balance in full. They told me it was interest. I spoke with a manager about it. Its not fair to change interest after balance is paid in full. Then I was told Ill have additional interest to pay even after I pay what they told me I owed. She could not tell me how much nor would they let me pay above what was due to cover any potential interest. They want to charge me to send me a statement. How can they perpetually charge me interest like this?

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 monetary relief
Consumer complaint received 2024-04-21 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: MA

Complaint narrative:
I have reason to believe that I've been o victim of identity fraud originating from the dark web since XX/XX/2022. During that time, I frequently received text messages with links purporting to be from XXXX, which I now suspect were XXXX. It's possible my personal information was compromised and sold on the dark web. Over the past two years, I've observed a significant increase in unauthorized credit inquiries and received alerts related to activities on the dark web.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Bread Financial Holdings, Inc.
State: WI

Complaint narrative:
On XX/XX/23 I bought a duffel bag at an XXXX  sports somewhere in Missouri To check out XXXX card sold applying for a credit card I can save {$15.00} I declined because I didnt want to bother with it. She said it wouldnt be a bother. I could apply for the card today be approved but the item on my credit card and then pay off the credit card today and Id never get a bill. 

Regretfully I did Ive talked with the companies XXXX XXXX XXXX XXXX fraud department store manager Ive talked with Comenity Bank numerous time. They used to call me every week or so. 

I have a letter or an email from the XXXX XXXX  store manager that he has reviewed the security tape and he saw that I paid for the bag XXXX  bank says that they do not accept that, theyve been adding a {$40.00} late fee every month and other baloney charges When Ive told them, I believe a judge will take my side in this they seem to know they didnt quite laugh in my face, but they seem amused, and they told me to contact the lawyer Is there go to phrase whenever I contact them? I need to contact the lawyer that I need to contact the lawyer, or that I should talk to a lawyer about this and see what the lawyer tells me I believe they bank two things one they cost more for me to hire a lawyer to fight this then the debt is As last I checked, the debt was up to a little over {$300.00} and they would settle for {$180.00} It was about {$100.00} bag and with a {$15.00} discount it was about XXXX or XXXX which I paid I already paid it They are breaking a law because theyre notifying the credit bureau that Im delinquent when Im not that is illegal Yes, I have told them that they are illegally harming my credit by reporting a debt that I do not owe They just go back to their key phrase or their favorite thing to say and that is that I need to contact the lawyer and see what he or she says about it I sent them a registered letter with a copy of the email printed out from the store Director or storage manager saying that he has reviewed the security tape and he saw it that I paid for it and I do not owe for the bag I brought in the letter that they need to not only stop reporting me as delinquent to the credit XXXX, but they need to tell the credit bureau that I am paid in full and to retract the black eyes they have delivered to my credit report Please help me with this XXXX is my phone number your permission to leave a voicemail if you are unable to get a hold of me I wear a hands-free headset and Im usually available when Im dealing with a client or something of that nature. 

Im XXXX  XXXX XXXX XXXX XXXXr XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Thats not my situation!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-04-21 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: PA

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. 
This account is hurting my ability to obtain credit. It is my understanding that you will. 
investigate these items for me to ensure accuracy. 

XXXX XXXX amount owed {$990.00}. 
# XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX 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 2024-04-21 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2024-04-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
" According to my XXXX credit report, LVNV Funding LLC 's account number as reported by XXXX is XXXX. As of XX/XX/XXXX, my previously closed LVNV Funding Collections account was unlawfully reopened by LVNV and sent to XXXX. This credit reporting agency has unlawfully posted the negative LVNV closed collection account as reopened on XX/XX/XXXX, and opened on XX/XX/XXXX. I viewed my XXXX credit report and it showed biased and unlawful credit reporting by XXXX towards people of XXXX. My FICO score tumbled down XXXX points following XXXX 's decision to allow LVNV to reopen my closed account. Now it's displayed on my XXXX report, which just shows that XXXX XXXX is still alive. '' It appears that LVNV Funding Collections sent some documents to XXXX. However, it is unclear whether LVNV Funding Collections had the legal authority to reopen and close the account without any negative impact on my livelihood. Unfortunately, XXXX allowed LVNV bias to report the closed account as reopened on my XXXX credit report on XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-21 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: PA

Complaint narrative:
XXXX credit agency are reporting negative account XXXX with a balance of {$10000.00} on my credit profile which is fraudulently ruining my way of living. XXXX also stated that they would not furnish child support to credit profiles because there is no line of credit or a credit transaction nor a loan. if you guys can not provide me with a contract with my signature to be liable with any child support debt please delete the account immediately off the credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
XXXX credit agency are reporting negative account XXXX with a balance of {$10000.00} on my credit profile which is fraudulently ruining my way of living. XXXX also stated that they would not furnish child support to credit profiles because there is no line of credit or a credit transaction nor a loan. if you guys can not provide me with a contract with my signature to be liable with any child support debt please delete the account immediately off the 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 explanation
Consumer complaint received 2024-04-21 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: OH

Complaint narrative:
On XX/XX/year>, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, the Reporting Agencies reported on my Acct : XXXX, late payments. According to 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) transactions between the consumer and the person/Corporation making the report is not included on the consumer reports yet they are reporting this information to my consumer reports.

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 2024-04-21 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: OH

Complaint narrative:
On XX/XX/2021, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, the Reporting Agencies reported on my Acct : XXXX, late payments. According to 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) transactions between the consumer and the person/Corporation making the report is not included on the consumer reports yet they are reporting this information to my consumer reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-21 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: LA

Complaint narrative:
15 U.S. Code $ 1681c-2 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 identify theft, not later than 4 business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLAINT TO PREVENT FURTHER STALL TACTICS FROM TRANSUNION

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 2024-04-21 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: OH

Complaint narrative:
Theres an account on my credit report that does not belong to me. I have filed a report for identity theft. I disputed the account but you verified it as mine. 15 USC $ 1681c-2 says any information a consumer identifies as identity fraud shall be deleted. The account is called XXXX XXXX XXXX XXXXXXXX

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 2024-04-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
THIS AMENDMENT TO CLAIM FILED AGAINST XXXX XXXX XXXX XXXX XXXX XXXX reported account charged off and closed in XXXX XXXX. Then XXXX XXXX Reported the account closed againXXXX with over XXXX which is false see my attached XXXX XXXX credit report XXXX XXXX XXXX reported the account closed more than 6 years ago. This debt is barred from collecting statue of limitations has ran.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-21 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:
THIS AMENDMENT TO CLAIM FILED AGAINST XXXX XXXX XXXX XXXX XXXX XXXX reported account charged off and closed in XXXX XXXX. Then XXXX XXXX Reported the account closed againXXXX with over XXXX which is false see my attached XXXX XXXX credit report XXXX XXXX XXXX reported the account closed more than 6 years ago. This debt is barred from collecting statue of limitations has ran.

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 2024-04-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: FL

Complaint narrative:
As I was reviewing my consumer report I came across an account that does not belong to, me I contacted the following companies, Lexis Nexis, XXXX, XXXX, XXXX, along with XXXX. I disputed the account asking for verification of the account. I then received a letter from Lexis Nexis, XXXX, XXXX as well as XXXX, that said the account was verified by the creditor. I then contacted the creditor witch in this case is the UNITED STATES BANKRUPTCY COURT ... .I then received an answer stating that the UNITED STATES BANKRUPTCY court does not report or transmit bankruptcy court records or any other information directly to credit reporting agencies. This is un acceptable the credit bureaus are committing FRAUD ...... Placing inaccurate, incomplete erroneous information on my consumer report violating the FAIR CREDIT REPORTINGACT and the FAIR DEBT COLLECTIONS ACT. This information is inaccurate the creditor stated that they did not verify this information making it illegal and a violation of state and federal law to place this account on my consumer report, Please delete this account immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-21 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: OH

Complaint narrative:
On XX/XX/2020, XX/XX/XXXX, XXXX, and XX/XX/XXXX I had late payments and a C/O reported on my Account for Acct Number : XXXX for XXXX XXXX  XXXX According to 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) transaction between the consumer and the person/Corporation making the report is not included on the consumer reports yet they are reporting this information on my consumer 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 explanation
Consumer complaint received 2024-04-21 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 am requesting the removal of fraudulent inquiries from my credit report due to the unauthorized and unlawful nature of these inquiries. These fraudulent inquiries not only inaccurately reflect my credit history but also pose a significant risk to my financial well-being and reputation. It is imperative to rectify this situation promptly to safeguard my creditworthiness and ensure the integrity of my credit report. Therefore, I seek the removal of these fraudulent inquiries to restore the accuracy and reliability of my credit profile.

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 2024-04-21 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
15 U.S. Code $ 1681c-2 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 identify theft, not later than 4 business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLAINT TO PREVENT FURTHER STALL TACTICS FROM EXPERIAN

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 2024-04-21 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: PA

Complaint narrative:
Transunion credit agency are reporting negative account XXXX with a balance of {$10000.00} on my credit profile which is fraudulently ruining my way of living. Transunion also stated that they would not furnish child support to credit profiles because there is no line of credit or a credit transaction nor a loan. if you guys can not provide me with a contract with my signature to be liable with any child support debt please delete the account immediately off the 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 2024-04-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: AL

Complaint narrative:
I received two emails from Chime last night that an account was opened in my name. Ive never even heard of Chime. I called them this morning and they state they have no record of this. A quick XXXX search reveals this is a prevalent and known problem and likely ID theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-21 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: OH

Complaint narrative:
I checked my credit report & seen an account that does not belong to me. I filed an identity theft report. I disputed the account with you on the app but the account was verified. 15 USC $ 1681c-2 states any account identified as fraud should be removed. The account is XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief