vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-29 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: MD

Complaint narrative:
I reviewed my report back on XXXX XXXX, and noticed some things are incomplete and not accurate. Also, according to the fair credit reporting act. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 

The accounts below are not complete and accurate. And one more thing according to 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Also according to the fair credit reporting act. Whenever a consumer reporting agency prepares a consumers report it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual to whom the report relates. Also, they sent me investigation back and said everything is complete and accurate but if you check my attachments everything is not complete and accurate and according to nd according to 15 USC 1681i 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ). In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. And according to this law they are supposed to provide me with a description of the investigation according to 15 USC 1681i ( 7 ) : ( 7 ).

And one more thing according to 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

Check the attachment below. 

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: Global Lending Services LLC
State: CA

Complaint narrative:
I purchased a vehicle which was financed with Global Lending Service ( GLS ). GLS did not have my updated mailing address or phone number for my account. Therefore, I never received a statement or bill for my loan. When I did finally become aware of the payment that was due I immediately paid the balance in full that was owed at the time. I sent in a letter requesting that the reporting of the account being delinquent/late be removed from my credit report as an act of good faith and with the understanding that GLS now has all the correct contact information including the billing address, phone number, and email. I have not received any response to this request.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
This is to follow up regarding the repeated attempts I have made to rectify the ongoing issue of late open accounts associated with my account. Despite my multiple efforts to resolve this matter, the problem remains unresolved, causing significant inconvenience and distress. I first noticed the late open accounts and since then, I have diligently contacted your company 's customer service department to bring this matter to your attention. I am formally requesting the following actions to be taken promptly : XXXX correction of the late open accounts on my credit report to accurately reflect my payment history and prevent any further damage to my credit score. I trust that this matter will be resolved promptly, as it is in both of our interests to ensure the accuracy of my credit report. If my concerns are not addressed within the specified timeframe from the date of this letter, I XXXX have no choice but to escalate this issue further by seeking legal assistance or contacting relevant regulatory authorities. I sincerely hope that it does not come to that, and I look forward to a swift resolution of this matter. I am asking for your help to correct these late open accounts in my credit file XXXX XXXX XXXX XXXX XXXX : {$19000.00} ; XXXX XXXX XXXX XXXX  : {$17000.00} ; XXXX XXXX XXXX XXXX : {$14000.00} ; XXXX XXXX XXXX XXXXXXXX : {$11000.00} ; XXXX XXXX XXXXXXXX XXXX : {$4100.00} ; XXXX XXXX XXXX XXXXXXXX : {$13000.00} ; XXXX XXXX XXXXXXXX XXXX : {$4200.00} ; XXXX XXXX XXXXXXXX XXXX : {$4000.00} ; XXXX XXXX XXXX XXXX : {$3800.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: BROKER SOLUTIONS, INC.
State: GA

Complaint narrative:
I sent letters via certified mail to New American Funding on XX/XX/XXXX, XX/XX/XXXX and on XX/XX/XXXX requesting the following information : advise who is the Promissory Note Holder in Due Course for Loan # XXXX 
please arrange an appropriate point of inspection for the Promissory note, in XXXX, XXXX XXXX, Georgia Please allow me to inspect the original promissory note ( A COPY, STATEMENT LEDGER, AN AFFIDAVIT OF LOSS OR ANY OTHER FORMS WILL NOT BE ACCEPTABLE ) with my original wet ink signature, as required by law, for Loan # XXXX  per USC Title 18, Part1, Chapter 101 Section 2071.

proof that New American Funding is an actual creditor according to Generally Accepted Accounting Principles along with the GAAP book entry debit evidence of the alleged loan transaction ( a creditor needs to show true double-entry accounting debits of the loss as a result of the issuance of a loan to a BORROWER ).

proof ( copy of the canceled check, bank receipt, or wire transfer transmission number ) for the loan that was allegedly paid to " BORROWER '' on XX/XX/XXXX advise where the funds for the loan originated AND to what account was this alleged loan transferred or deposited, to which BORROWER would have been given access to stated funds. 

I requested New American Funding to provide the requested information point-for-point within 21 days of receipt of each letter. They were advised that failure to respond to the letter with ALL the requested information, point-for-point will be taken as an administrative default as per the Administrative Procedures Act of XXXX. 

The response I received from XXXX was a copy of a promissory note, a copy of a security agreement, and a printout of the transaction history of the account but NOT the information I requested.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Facts : On XX/XX/XXXX, I obtained a free credit report from Equifax via XXXX. I noticed that my payment history for XXXX XXXX XXXX XXXX XXXX Account was reported incorrectly. It was reported that between XX/XX/XXXX through XX/XX/XXXX I was XXXX days late. ( See document 1 ) On XX/XX/XXXX, I disputed this error with Equifax via their web dispute portal and provided a screenshot of my payment history for this loan account. The screenshot showed that I was making payments during these months and not XXXX days late. During that same day on XX/XX/XXXX, I called XXXX, who is the loan services provider for this XXXX XXXX XXXX XXXX XXXX Account to confirm my payment history and they were able to confirm that the payments were not late during that period. XXXX also created a case to correct my payment history with Equifax and promised to call me back with the resolution. ( See document 2 ) On XX/XX/XXXX, Equifax completed their investigation of my dispute and provided me with a new credit report with updated information on the disputed account. However, I noticed that the information Equifax updated contains additional erroneous information. This new report with the updated information showed that between XX/XX/XXXX through XX/XX/XXXX I was XXXX days late. I am utterly confused as to how Equifax verify and obtain this information because this entire account was paid off as of XX/XX/XXXX. ( See document 3 ) On XX/XX/XXXX, I submitted a second dispute with Equifax via their web dispute portal. This time I included 2 documents showing that the loan account was paid off including the final statement showing the final payment amount which can be confirmed via document 1. ( See document 4 and 5 ) On XX/XX/XXXX, Equifax, again, closed my dispute and provided me with an updated credit report. This new credit report still contains erroneous information. 
On XX/XX/XXXX, XXXX called back and notified me that they have updated my payment history for XXXX of XXXX. This was not the resolution that I needed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
This is to follow up regarding the persistent presence of fraudulent items on my credit report despite multiple attempts on my part to rectify this matter. The lack of resolution has had a profound impact on my financial well-being and has caused undue stress. The fraudulent items in question, associated with Credit Bureaus, were first brought to your attention. Regrettably, my attempts to remove these fraudulent items have been unsuccessful despite multiple submissions and communications with your agency. I am formally requesting the following actions be taken with urgency : A thorough and comprehensive reevaluation of the fraudulent items on my credit report to verify their accuracy. The immediate removal of these fraudulent items from my credit report. I sincerely hope it does not come to that, and I trust that your agency will take immediate and decisive action to rectify this issue. I am asking for your assistance to remove these fraudulent items in my credit file : XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$7200.00} XXXX  XXXX Balance : {$10000.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$28000.00} XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX {$4800.00XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2024-07-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
On XX/XX/year> my phone was stolen at XXXX XXXX and I became a victim of fraud. This banking institution was notified and I gave them every bit of evidence needed to prove that fraud had occurred. The people who committed this fraud took money through cash advances on my credit card and also sent money through money sending services such as cashapp and XXXX from my checking account. All this happened same time, same day, and I even have a police report stating so along with other banking institutions letter of approval for fraud because they had wiped all my accounts. Now Navy Federal Credit Union approved of my fraud for only my credit card but not my debit card. Why would they approve for one and not the other when it all occurred on the same date. They first told me because of insufficient evidence until I sent them the hard copy of the police report then switched it to spending habits which in fact I use my credit card for everything so I can garnish points and never use my debit card and actually I leave it home in a drawer because I dont use it. They are trying to not give me back my funds and telling me different reasons to get out of it. I believe as a consumer/customer I should be protected and again should be faulted to the funds returning since they approved of the credit card fraud. Not only did I send a police report but I sent proof of my phone being deactivated for find my location services, my passwords being changed, birthdate being changed and all the money being sent during the time of the occurrence. When even I call they tell me that the case has been denied even though they approved of my credit card fraud.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX Balance {$0.00} XXXX XXXX XXXX {$220.00} XXXX XXXX XXXX XXXX {$0.00} XXXX  XXXX XXXX XXXX {$0.00}

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 2024-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: General Motors Financial Company, Inc.
State: FL

Complaint narrative:
I received a copy of my credit report and I have found that in accordance with the FCRA you violated my rights under : 15 USC 1681 SECTION 602 WHICH STATES THAT I HAVE THE RIGHT TO PRIVACY, FURTHERMORE 15 USC 1681 SECTION 604a SECTION 2 ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUTOUT MY WRITTEN INSTRUCTIONS. 
Pursuant to 15 USC 1666b A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


GM financial, Account Number XXXX, ( XX/XX/year> Late Payment } I NEVER gave you, OR the above-listed creditors any written instruction to furnish any information on my consumer report which is a violation of 15 USC 1681b . Credit Reporting Agency has caused severe stress and anxiety due to the abusive and unfair practices. 


You should be ashamed of yourself for ASSUMING this role and position to constantly commit fraud and cause harm to consumers! These accounts are listed with late or missed payments and that is incorrect. The ABOVE listed ACCOUNTS were NEVER late and should be listed as PAYS or PAID AS AGREED. 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report, and I demand that you provide me with concrete evidence and all documentation proving that I am or have been late. It is my understanding that you will recheck these items with the creditor who has posted them. 


Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this investigation within 30 days of receipt of this letter. Please send an updated copy of my credit report reflecting the requested changes. 


Best Regards. 



XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Radius Global Solutions LLC
State: CA

Complaint narrative:
I believe the account is invalid. XXXX XXXX XXXX needs to verify under oath that this claim is valid, free from any claims and defenses including but not limited to any breach of agreement, failure of consideration, or material alterations, and that the original lender provided value. Further, the alleged account was transferred in good faith and with the consent of all parties involved. If they are unable to provide under oath the previously listed item then I require the account to be removed from my credit & their records. 

RADIUS GLOBAL SOLUTIONS LLC, Original Creditor : XXXX  XXXX N.A Reference # : 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 2024-07-29 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: FL

Complaint narrative:
I was looking at my credit report and noticed there were hard inquiries that are not mine on there.

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 2024-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: HEARTLAND PAYMENT SYSTEMS INC
State: VA

Complaint narrative:
Facts : On XX/XX/XXXX, I obtained a free credit report from XXXX via XXXX. I noticed that my payment history for XXXX XXXXXXXX XXXX XXXX XXXX Account was reported incorrectly. It was reported that between XX/XX/XXXX through XX/XX/XXXX I was XXXX days late. ( See document 1 ) On XX/XX/XXXX, I disputed this error with XXXX via their web dispute portal and provided a screenshot of my payment history for this loan account. The screenshot showed that I was making payments during these months and not XXXX days late. During that same day on XX/XX/XXXX, I called ECSI, who is the loan services provider for this XXXX XXXX XXXX  XXXX XXXX Account to confirm my payment history and they were able to confirm that the payments were not late during that period. ECSI also created a case to correct my payment history with XXXX and promised to call me back with the resolution. ( See document 2 ) On XX/XX/XXXX, XXXX completed their investigation of my dispute and provided me with a new credit report with updated information on the disputed account. However, I noticed that the information XXXX updated contains additional erroneous information. This new report with the updated information showed that between XX/XX/XXXX through XX/XX/XXXX I was XXXX days late. I am utterly confused as to how XXXX verify and obtain this information because this entire account was paid off as of XX/XX/XXXX. ( See document 3 ) On XX/XX/XXXX, I submitted a second dispute with XXXX via their web dispute portal. This time I included 2 documents showing that the loan account was paid off including the final statement showing the final payment amount which can be confirmed via document 1. ( See document 4 and 5 ) On XX/XX/XXXX, XXXX, again, closed my dispute and provided me with an updated credit report. This new credit report still contains erroneous information. 
On XX/XX/XXXX, ECSI called back and notified me that they have updated my payment history for XXXX of XXXX. This was not the resolution that I needed.

Company response to consumer: Closed with explanation