vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-11 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Radius Global Solutions LLC
State: AZ

Complaint narrative:
Sometime last year, I was contacted by Radius Global Solution about an alleged debt from XXXX from years prior. XXXX is a blood testing lab. 

I told Radius that I was unaware of the debt and that any/all lab work would have been sent to our health insurance company and handled that way. I asked for itemized details of the debt to sent to me.

I have not received anything from Radius as far as a collection letter, itemized bill, date of service, or any other details of this so-called debt. I also haven't heard from them. 

I got an email from from XXXX XXXX XX/XX/year> that there was a negative change to my credit report. I started investigating the issue and found that Radius Global Solutions put the negative change on my credit with XXXX. 

I immediately disputed this negative change on my report for investigation ... explaining to XXXX that I never received written notice from Radius and I have no itemized details of this debt as required by law. 

Recently, XXXX has updated the dispute saying the dispute is verified as accurate. I don't even know what that means. I still don't have anything in writing from Radius or XXXX itemizing the details of this bill and telling me what it is for ( ie what physician ordered blood work, date of appointment, what was ordered and charged, when it was billed to the insurance company, any bills from the provider, notice of collection, etc ). 

I know I have certain rights as a consume from fraudulent billing or mistaken identity, etc. I need a statement in writing with my name and mailing info, itemization of bill, proper information as to how to dispute a debt, deadlines, etc. I have nothing in writing from Radius, so I really don't have enough info to properly investigate or dispute this 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 2025-02-11 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: TX

Complaint narrative:
Re

cent reports from the Consumer Financial Protection Bureau ( CFPB ) indicate that Equifax has failed to properly investigate consumer disputes. A lawsuit has even been filed against Equifax for violating consumer protection laws by not complying with the Fair Credit Reporting Act ( FCRA ). Under federal law ( 15 U.S.C. 1681i ), Equifax is required to thoroughly reinvestigate disputed items within 30 days and remove any information that is inaccurate, incomplete, or unverifiable. Ignoring this obligation is a direct violation of my rights. I am disputing the following negative items, which I strongly believe
may be linked to a data breach : XXXX XXXX XXXX XXXX - 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 XXXX XXXX XXXX  XXXX {$XXXX} XXXX  - XXXX - {$XXXX} XXXX XXXX XXXX - XXXX - {$XXXX} XXXX  XXXX  - XXXX - {$XXXX} I have already provided supporting documentation multiple times, yet these errors persist. The lack of corrective action has caused me financial harm and unnecessary distress.

I have a legal right to an accurate credit report, and I expect these items to be properly investigated and removed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Lied and said that they didnt receive my ftc identity theft report when they did. Remove fraudulent items and stop reporting fraudulent accounts!!! Very rude and horrible customer service and refused to help me. BY XXXX you are REQUIRED to BLOCK and delete the items once you receive the FTC Identity theft report which you already have!

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 2025-02-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: DISCOVER BANK
State: IN

Complaint narrative:
I contacted XXXX XXXX XXXX XXXX on approximately XXXX about consolidation of XXXX Discover accounts. They told me that they would take care of both accounts and not to get involved if they contacted me. A man named XXXX XXXX from XXXX XXXX assured me that they would settle both debts. I agreed to pay {$XXXX} a month and they could have access to my checking account. On XXXX I was issued a summons from XXXX XXXX in XXXX XXXX XXXX  for XXXX XXXX XXXX on behalf of Discover Bank. They had not received any payments since the one I made in XXXX of XXXX. I called Discover and they said if I would have contacted them sooner we could have reached on an agreement but it was too late. I called XXXX and sent them copies of everything I had received from the XXXX. They said that I had not enough funds to negotiate both accounts and that it would be another XXXX  months of payments before they could do anything. I cancelled my agreement with them and asked for them to return any unused funds. They replied there wasn't anything. I feel I was misslead any severely damaged my credit an gave them a lot of money for nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: CA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to formally file a complaint regarding a violation of the Fair Credit Reporting Act ( FCRA ) by Fair Collections & outsource XXXX XXXX. I have previously disputed an inaccurate account on my credit report due to identity theft and requested proper validation of the debt in accordance with my rights under the FCRA. Despite my attempts to resolve this matter, Fair Collections & outsource XXXX XXXX has failed to provide the necessary documentation to validate this debt and continues to report inaccurate information to the credit bureaus. 

Under the FCRA, furnishers are required to investigate and respond appropriately to disputes. By failing to provide validation, Fair Collections & outsource Bozzuto Management is in direct violation of federal law. This letter serves as my final attempt to seek resolution before pursuing legal action against the furnisher for non-compliance. 

I request the CFPBs immediate assistance in investigating this matter and ensuring that Fair Collections & outsource XXXX XXXX either provides the required validation or removes the fraudulent account from my credit report. I have provided the proper documents to the company and they have not done anything. 

I expect a prompt resolution to this matter. If this issue is not resolved, I will have no choice but to escalate this matter legally for damages due to the FCRA violation. 

Thank you for your attention to this urgent matter. I look forward to your response.

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 2025-02-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Control, LLC
State: CA

Complaint narrative:
At the end of XX/XX/year>, I received a letter from Credit Solutions LLC informing me that they had acquired my XXXX credit account due to nonpayment. The current balance on the account is {$300.00}. 

I attempted to dispute the account with XXXX, but they verified that it was accurately opened in my name, using my date of birth and Social Security number. They confirmed that the account was created on or around Sunday, XX/XX/year>, in XXXX, California. 

While I do recall being near a XXXX store around XX/XX/year>, I do not remember applying for a new line of credit, as I already have a credit card with a {$5000.00} limit in good standing. A sales representative and cashier mentioned earning points for filling out a form but never disclosed that it was for opening a new line of credit, especially since I already had one. I never received a card or statement in the mail, nor was I informed of any approval, as I did not make a purchase on the day of the supposed application. 

After disputing the account with XXXX twice, I was advised to file a police report regarding my claim. 
Please see attached police 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 2025-02-11 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: VA

Complaint narrative:
I have repeatedly asked you to verify and validate this account your willful non compliance and negligence has once again violated by consumer rights the following inaccuracy exist in this reporting after re-investigation : Repeatedly reporting C/O every month which is not legally permitted. Under FCRA regulations ( 15 U.S. Code 1681s2 ( a ) account name XXXX XXXX XXXX XXXX account Number : 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 2025-02-11 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: TX

Complaint narrative:
I am submitting this dispute regarding late payment records on my credit report, which I strongly believe are incorrect and potentially linked to a data breach : XXXX  XXXX - XXXX - {$XXXX} XXXX  - XXXX - {$XXXX} These records do not reflect my actual payment history, yet despite my repeated efforts to correct themproviding documentation and following up diligentlyno changes have been made. This ongoing issue has hurt my credit standing and caused unnecessary frustration. 

The Fair Credit Reporting Act ( FCRA ) guarantees my right to an accurate credit report. Any incorrect, outdated, or misleading information should be updated or removed immediately. I urge you to take swift action to rectify these errors. 

Given the impact on my financial health, I ask that this issue be prioritized. I look forward to a timely resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-11 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: APG Financial Inc
State: UT

Complaint narrative:
The company is APG FINANCIAL. I called the bank in XX/XX/year> to request a payoff amount. They could not give me one over the phone. They had to send a letter. The payoff amounts we were given had three different options. They are as follows : Option # 1 pay your remaining payment and return the vehicle for the amount of {$12000.00} Option # 2 Trade in at dealership for the amount of {$17000.00} Option # 3 Purchase the vehicle for the amount of {$18000.00} We took the letter to an attorney And he told us to return the vehicle as it is not legal to lease a used vehicle in the state of Utah. He also informed us we would never get out of the vehicle and never OWN the vehicle. So we just just that. Returned it voluntarily.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 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: VA

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am writing to formally dispute inaccuracies on my credit report related to identity theft. I submitted my initial dispute on [ date of dispute ], along with a Federal Trade Commission ( FTC ) Identity Theft Report and additional documentation supporting my claim. However, your agency has failed to meet its obligations under the Fair Credit Reporting Act ( FCRA ).

Violations of the FCRA 1.Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ) Under the FCRA, credit reporting agencies are required to conduct a reasonable investigation upon receiving a dispute. Despite providing a comprehensive FTC Identity Theft Report and detailed supporting evidence, I have not received confirmation of any substantive investigation into the disputed items.

2.Failure to Notify Me of Investigation Results ( 15 U.S.C. 1681i ( a ) ( 6 ) ) The FCRA mandates that consumers be notified of the results of an investigation within 30 days of submitting a dispute. To date, I have not received any such notification, nor have I been informed of the outcome of your review or the process by which my dispute was evaluated.

3.Failure to Block Inaccurate Information Promptly ( 15 U.S.C. 1681c-2 ) The FCRA requires credit reporting agencies to block information resulting from identity theft upon receipt of appropriate documentation, such as an FTC Identity Theft Report. This has not occurred in my case. 

Precedent Cases Supporting My Position Your failure to comply with FCRA requirements is not only a violation of my rights but also exposes your agency to liability, as demonstrated in precedent cases : XXXX XXXX TransUnion XXXX ( XXXX ) : This case emphasized that credit reporting agencies have a duty to conduct reasonable investigations beyond relying on the data provided by furnishers. 
XXXX v. TransUnion LLC ( XXXX ) : The Supreme Court upheld consumer rights in disputes related to credit reporting inaccuracies, reinforcing the accountability of credit bureaus under the FCRA. 

Requested Resolution To resolve this matter, I demand the following actions : 1.Conduct a reasonable and thorough reinvestigation of the disputed accounts and transactions associated with my identity theft.

2.Provide a detailed written summary of your investigation, including the steps taken and evidence reviewed.

3.Immediately block or remove all inaccurate information resulting from the identity theft. 

If this matter is not resolved promptly, I will have no choice but to escalate my complaint by filing with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and potentially pursuing legal remedies. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 2025-02-10 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: GA

Complaint narrative:
Under 15 U.S.C. 1681i, credit reporting agencies are required to conduct a reasonable reinvestigation of disputed items within 30 days. If the disputed information can not be verified, it must be deleted from my credit file. Furthermore, under 15 U.S.C. 605B, any unverifiable or inaccurate negative information must be corrected or removed promptly.

Additionally, I am filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding Experian 's failure to comply with the FCRA. Despite my formal dispute, Experian has not conducted a proper reinvestigation or provided any reasonable evidence to support the accuracy of the disputed information. Under 15 U.S.C. 1681i, they are required to ensure the maximum possible accuracy of credit reports, yet they have failed to meet this obligation. This lack of compliance significantly impacts my creditworthiness and financial standing. I request that the CFPB intervene to ensure that Experian fulfills its legal responsibilities and properly addresses my dispute. 
Which included late payments from XX/XX/2024 XXXX XXXX Account XXXX XXXX The late payments reported on this account are inaccurate. Please conduct an investigation and provide verification of these late payments. If you can not verify their accuracy, please remove them from my report immediately. Additionally, Experian does not show any information regarding this negative item, which raises further concerns about its validity. 

XXXX. XXXX, XXXX Account XXXX XXXX This account contains inaccurate information that requires correction. Please verify its accuracy, and if the information can not be substantiated, remove it from my credit report as required under FCRA regulations. 

XXXX XXXX XXXX XXXX  Account Number XXXX This account is inaccurately reported. I request an immediate investigation into the accuracy of this account. If it can not be verified, please delete it from my credit report. 
Please provide me with written confirmation of your investigation and the actions taken. If any changes are made to my credit file, please provide me with an updated copy of my credit report. Additionally, if you deny my request for correction or removal, please provide the method used to verify the information. 

Thank you for your prompt attention to this matter. I look forward to your response within the legally required timeframe.

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 2025-02-11 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: FL

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-02-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: IL

Complaint narrative:
Disputed Collection with XXXX Credit Bureau and have not received any Information on the Debt. Debt were removed by XXXX Credit Bureau initially but added back. Disputed Debt with XXXX XXXX on XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS

Complaint narrative:
I received an email from XXXX of my banking apps that my password was compromised in a data breach. I need these inquiries removed from XXXX XXXX XXXX XXXX and 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 2025-02-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: IL

Complaint narrative:
Despite using Zelle numerous of times and reporting discrepancies my financial institution in Zelle failed to investigate my claims expeditiously they informed me that recovering lost funds and tracking these transactions was unfixable no one is trying to fix anything and it is constantly happened. Just letting people scam people out of their money. This is very ridiculous. People work very hard for their money and they should not have to lose their money to someone else.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 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 recently discovered that my credit report contains incorrect personal information, which has contributed to the appearance of unfamiliar and inaccurate accounts under my name. As a victim of identity theft, my information was fraudulently used, and I am now dealing with the consequences of accounts I were never associated with. Following TransUnion 's instructions, I promptly filed a report with the FTC and submitted all necessary documentation. Despite taking these steps, the fraudulent items remain 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