vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-06 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:
According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed 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 XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-05 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: OH

Complaint narrative:
I contacted fin wise OPP loans to report that I have an account for a loan on my report that I have no knowledge of. After discussing this account I believe someone may have fraudulently made the loan and used my info to receive it. I was instructed to contact the federal trade commission and make a report that I would be able to have a report number from to forward to the email XXXX. When I went to the site for FTC it took me here to file report. The loan in question was on XX/XX/year>. The contract number was XXXX. The Application number was XXXX. For some reason today the loan showed up on my TransUnion report as open and my credit score dropped dramatically so I took notice. I disputed it and it said it was a charge off and showed be marked closed. I was also instructed to contact email XXXX to resolve this. Thank you for your time.

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 2024-05-05 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: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ohio XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Dear EQUIFAX, I, XXXX XXXX XXXX XXXX, have written this letter to dispute a claim that is falsely listed on my credit report with your bureau. The amount ( s ) owed are no longer outstanding for the following items : Party Owed : XXXX XXXX XXXXXXXX XXXX Amount : {$1100.00} Account # XXXX Party Owed XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} Account # : XXXX Party Owed : XXXX XXXX XXXX XXXX XXXXXXXX XXXX {$0.00} Account XXXX XXXX Party Owed : XXXX XXXX XXXX XXXX  Amount : {$0.00} Account XXXX XXXX Party Owed : XXXXXXXX XXXX XXXX XXXX Amount : {$0.00} Account XXXX XXXX Party Owed : XXXX XXXX XXXX Amount : {$0.00} Account XXXX XXXX Party Owed : XXXX XXXX XXXX Amount : {$2700.00} Account # XXXX XXXX XXXX : XXXX XXXX XXXX Amount : {$370.00} Account # XXXX XXXX XXXX XXXX XXXX XXXX Amount : {$240.00} Account # XXXX I am disputing this claim due to : I HAVE NO KNOWLEDGE OF THIS ACCOUNT. IT IS FRAUDULENT AND I AM REQUESTING THAT IT BE REMOVED IMMEDIATELY.

This is my official request to have the aforementioned item to be deleted off my credit report.Enclosed may be additional evidence to support my claim. 

Sincerely XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: TX

Complaint narrative:
On XX/XX/XXXX, I received an email from a collection agency : Radius Global Solutions LLC XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX Toll Free : ( XXXX ) XXXX They claimed my name was : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, OH XXXX The amount they were trying to collect was owed to Ohio XXXX was an XXXX XXXX bill of {$1900.00} as of XX/XX/XXXX. 
The email also stated if I didn't respond by XX/XX/XXXX they would assume their information is correct and they would start the collection process. 

I have lived at my current address since XXXX : XXXX XXXX XXXX XXXX 
XXXX, TX XXXX I did live in Ohio from XXXX till XXXX but never in XXXX OH or an XXXX. 

Somehow they picked my email and claimed I am XXXX XXXX. 

I called and informed them the I wasn't the one they were looking for.

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 2024-05-05 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: Affirm Holdings, Inc
State: NJ

Complaint narrative:
I took out a loan with AFFIRM INC XXXX, XXXX XXXX XXXX, Fl XXXX, XXXX XXXX, CA XXXX, LOAN XXXX, Original amount {$3900.00}. Today, I discovered they pulled my credit report and the initial offer via XXXX said they would not be pulling my credit. When I attempted to resolve, their service agents are not in the US, and I experienced language barrier issues, and an inability to assist. I feel the company is a scam, and pulled my credit to share my information illegally and drive my score lower. I would like the inquiry reversed and this company investigated for their sales practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-05 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: MD

Complaint narrative:
I reviewed my Consumer Reports and noticed that three late agencies had taken on a role and had a responsible report. Information to the consumer to the best of its ability with maximum precision. I am not late in the account payments : XXXX  XXXX XXXX : XXXX, Investigate and provide evidence with statements showing that these payments are late. If proof can not be provided, I demand that these payments be updated in time as they should be. Thank you.

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 2024-05-05 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Dear Experian, I am writing to you in accordance with the Fair Credit Reporting Act ( FCRA ), specifically referencing Convergent Account Names and Numbers, XXXX XXXX XXXX # XXXX .... and XXXX ...., as listed on my credit report. As a consumer protected under this legislation, I am exercising my rights to privacy and accuracy of credit reporting. 

Under Section 15 U.S.C. 1681, Section 602 ( A ), I am entitled to privacy and fair treatment regarding the information contained in my credit report. Furthermore, Section 15 U.S.C. 1681, Section 604 ( A ), Subsection 2, mandates that consumer reporting agencies, such as XXXX, can not furnish information without written instructions from the consumer. 

I am formally requesting that EXPERIAN conduct a thorough investigation into the accuracy and validity of the aforementioned item on my credit report. Per the provisions of the FCRA, any information that can not be verified by the creditor must be promptly removed from my report. 

Please note that under 15 U.S.C. Sec. 1681i ( a ), Experian is required to complete this reinvestigation within 30 days of receiving this dispute letter. Additionally, I request that an updated copy of my credit report be sent to the address provided above, free of charge, as stipulated by the FCRA. 

Furthermore, I kindly ask that Experian notifies any parties who have received my credit report within the past six months of any corrections made as a result of this dispute. 

Thank you for your prompt attention to this matter. I appreciate your cooperation and diligence in ensuring the accuracy and integrity of my 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 2024-05-05 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: TX

Complaint narrative:
I discovered several inaccuracies on my credit report, which I believe are the result of identity theft. Upon reviewing my credit report, I identified multiple unauthorized accounts that are in violation of Metro 2 compliance guidelines and the Fair Credit Reporting Act ( FCRA ). These accounts have negatively impacted my creditworthiness and financial opportunities.

Specifically, the accounts listed on my credit report exhibit the following violations : Incorrect Payment History : Several accounts show a payment history listed as " Unknown, '' which violates Metro 2 guidelines.

Missing Account Status and Terms : The status and terms of these accounts are not provided, making it unclear whether the accounts are active, closed, or in dispute.

Failure to Provide Clear and Accurate Information : The accounts ' information provided on my credit report is not clear or accurate, violating FCRA guidelines ( FCRA 623 ( a ) ( 1 ) ( A ) ).

Despite my efforts to address these discrepancies by disputing them directly with the credit reporting agencies, the unauthorized accounts remain on my credit report. These inaccuracies compromise the accuracy and integrity of my credit profile, causing undue harm to my financial reputation and opportunities.

I respectfully request the Consumer Financial Protection Bureau 's assistance in resolving this matter promptly. Your intervention is crucial in ensuring that the credit reporting agencies and associated companies comply with Metro 2 guidelines and the FCRA by deleting these unauthorized accounts from my credit report.

Thank you for your attention to this urgent matter. 

Sincerely, 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 2024-05-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Incorrect information on your report — Personal information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
I am writing to file a formal complaint against BANK OF AMERICA regarding their unauthorized sharing of my nonpublic personal information with non-affiliated third parties and consumer reporting agencies. On XX/XX/year>, I submitted a complaint requesting that Bank of America remove their reporting to XXXX XXXX which has errors and incorrect information about me that is preventing me from opening a new bank account, but my request was ignored. They provided a number with an extension to call to discuss the matter but my calls and voicemails were never answered. I'm requesting that Bank of America rectify the information that they are reporting to XXXX XXXX or remove their reporting. 
I have taken appropriate steps to exercise my rights under 15 USC 6802 of the Gramm-Leach-Bliley Act ( GLBA ) to opt out of such information sharing, and I believe my privacy rights have been violated. On XX/XX/year>, I notified BANK OF AMERICA that I am opting out of any and all authorizations, whether written, unwritten, verbal, or non-verbal, for the sharing of my nonpublic personal information with non-affiliate third parties, including consumer reporting agencies, for any purpose other than those necessary to provide me with financial products or services. I provided this opt-out notice in accordance with the legal requirements outlined in 15 USC 6802 , and I have retained documentation of my communication with the institution. Despite my explicit opt-out request and my clear assertion of my rights under the GLBA, I have reason to believe that BANK OF AMERICA has continued to furnish my nonpublic personal information to non-affiliated third parties and consumer reporting agencies without my consent. This unauthorized sharing of my personal information constitutes a serious violation of my privacy rights and breach of federal law. I am deeply concerned about the potential consequences of this unauthorized sharing including the potential for identity theft, fraud, and other financial harm. I kindly request that the CFPB investigate this matter thoroughly and take appropriate action to ensure that BANK OF AMERICA complies with all federal regulations and laws, including the GLBA to protect the privacy and information security of consumers like me. Additionally, I would appreciate regular updates of this investigation and any action taken to address the violations committed by BANK OF AMERICA.

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 2024-05-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: AZ

Complaint narrative:
I've sent a validation letter and needed proof, been trackign my credit and will be investigating this further as I paid off a significant amount of debt from a credit card company I had never used for business purposes. I put my cards away, rented out my room, and saw people abusing their privileges by letting strangers stay. I was threatened to buy gift cards right away when I was informed that I was out of town recovering from another incident in which my phone had been hacked into accessing my accounts. My assistant informed me that when I returned, there were damages, credit cards, IDs, and SSNs taken, food missing, doors unlocked, and the car was in use, so I have started to place police reports that lead to dead ends. When I saw that a car loan and a loan under my primary account were being attempted or actually taken out, I was informed that I had no other approved account holders when I checked my phone 's app. To cut a long story short, I thought the accounts were safe and inactive until they were hacked and stolen. Later, I began to receive letters from Reassurgent regarding debt collection. I have requested verification of this debt and asked if they have any other DBAs to furnish the same information, as I informed them of my experience. In order to prevent myself from becoming a victim of these crimes, I have implemented security freezes and the bare minimum on these accounts. In addition, I received unopened mail dropped off at my apartment that the representative was mailing to the incorrect address, exposing my personal information once more to the public and damaging my credit, which had already suffered greatly due to my carelessness with my accounts and credit. Despite my best efforts to resolve the situation, my credit is still suffering greatly. If these were not fraud charges and all mine, they would have been paid accounts, as I had automatic payments on every account because I was to busy to do XXXX time payments, which was not a problem because I was able to afford the payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-05 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: IL

Complaint narrative:
I recently checked my TransUnion credit report and seen 3 inquiries that I dont recognize. 

XXXX XXXX. XX/XX/year>. 

XXXX XXXX. XX/XX/year>. 

XXXX XXXX XXXX. XX/XX/year>. 

I would like TransUnion to investigate these 3 items. 
I havent applied for these companies inquiry for it to be inquires on my 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 2024-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: ENCORE CAPITAL GROUP INC.
State: NY

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

I sent a letter asking them to reinvestigate these account listed below : MIDLAND CREDIT MANAGEM Balance {$950.00} Balance updated XXXX XXXX, XXXX MIDLAND CREDIT MANAGEM Balance {$910.00} Balance updated XXXX XXXX, XXXX MIDLAND CREDIT MANAGEM Balance {$660.00} Balance updated XXXX XXXX, XXXX XXXX XXXX XXXX Balance {$530.00} Balance updated XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-05 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: AZ

Complaint narrative:
When I became customer of XXXX, I had an extra line added in my account without my permission. That caused a lot of mess in my billing, and surcharges, which caused me a lot of trouble, work issues ( and financial loss ). I ended up canceled my plan and moved back to XXXX, which is a pre paid ( no surprises service ). 

This debt is being collected again, and it need to be sent to XXXX. 
If this situation and the alert in my credit report remains, I will surely fight againt Jefferson Capital in the court : Name on Account XXXX XXXX Debt Description XXXX  Account # XXXX Amount of the Debt {$1300.00} Current Creditor Jefferson Capital Systems LLC JCS Reference # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-05 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I did not authorize these companies to run my credit. I want these inquiries deleted. 

JPMCB Card XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Nelnet, Inc.
State: NJ

Complaint narrative:
Experience hardship Will not be able to pay back asking for total debt forgiveness

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-05 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: SANTANDER HOLDINGS USA, INC.
State: NJ

Complaint narrative:
In hardship due to my income cut. Can't make ends meet. More has been put on me. Need debt total forgiveness.

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 2024-05-05 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
A child support account that is delinquent is on my Experian consumer report. I wrote them a dispute letter and sent it to Experian, XXXX, and XXXX XXXX XXXX mail XXXX, and XXXX XXXX did the right thing and took the false not accurate information off my credit report within 30 days. Experian never even answer my notify letter. To Update information and make sure the accounts I asked to be accurate to be accurate, which is not accurate I never got a response. I called them also and got the run around. Experian is really violating my consumer rights. permissible purpose

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