vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-10 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Radius Global Solutions LLC
State: MD

Complaint narrative:
In accordance with the fair credit reporting act, this creditor ( XXXX ) violated my rights on XX/XX/year> by leaking my data in a massive data breach potentially harming my PII in future use. Also, XXXX sold a debt that I was not aware of to collection company called, RADIUS GLOBAL SOLUTIONS in XXXX, to solicit {$4300.00} from me. Code 15 USC 1681 section 602 states I have the right to privacy, under code 15 USC 1681 SECTION 604 A section 2, a consumer reporting agency may not furnish an account without my written instructions. Under code 15 USC 1666B A creditor may not treat a payment on a credit card account under an open consumer credit plan as late for any purpose. Please remove this collection account from my all credit reports with my name attached to it. This is an unlawful practice of debt collectors and it should be prevented. Current is showing on my XXXX Credit report and it is hurting my chances of using future credit products. 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 2024-08-10 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: DC

Complaint narrative:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX, XXXX XXXX XXXXXXXX, has violated my rights. 

I looked at my XXXX credit report on XX/XX/year> 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 according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, 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 15 USC 1681s-2 they are suppose to 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.

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 2024-08-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Fidelity National Information Services, Inc. (FNIS)
State: CA

Complaint narrative:
I AM A VICTIM OF IDENTITY THEFT. XXXX  XXXX XXXX REPORTED A NEGATIVE ITEM WITH A FRAUDULANT BALANCE OF {$620.00} TO CHEXSYSTEMS. ALSO XXXX HAVE REPORTED A NEGATIVE ITEM WITH A FRAUDULANT BALANCE OF {$910.00} TO NUMEROUS CREDIT REPORTING AGENCIES UNDER MY NAME. AS OF TODAY AND TO THE BEST OF MY KNOWLEDGE, XXXX AND CHEXSYSTEMS is the only 2 CRA 's THAT STILL REMAINS. XXXX, XXXX, AND XXXX ALREADY REMOVED THE DERAGOTORY ITEM FROM MY PROFILE. ACCORDING TO THE FEDERAL FAIR CREDIT REPORTING ACT ( FCRA ). 15 U.S.C.s1681-1681y. 
XXXX IS IN VIOLATION WITH CONSUMER LAW BY NOT IN COMPLIANCE WITH SECTION 623 OF THE FCRA, 15 U.S.C. 168s-2.

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 2024-08-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I AM A VICTIM OF IDENTITY THEFT. BANK OF AMERICA REPORTED A NEGATIVE ITEM WITH A FRAUDULANT BALANCE OF {$620.00} TO XXXX. ALSO XXXX HAVE REPORTED A NEGATIVE ITEM WITH A FRAUDULANT BALANCE OF {$910.00} TO NUMEROUS CREDIT REPORTING AGENCIES UNDER MY NAME. AS OF TODAY AND TO THE BEST OF MY KNOWLEDGE, XXXX AND XXXX is the only 2 CRA 's THAT STILL REMAINS. XXXX, XXXX, AND XXXX ALREADY REMOVED THE DERAGOTORY ITEM FROM MY PROFILE. ACCORDING TO THE FEDERAL FAIR CREDIT REPORTING ACT ( FCRA ). 15 U.S.C.s1681-1681y. 
XXXX IS IN VIOLATION WITH CONSUMER LAW BY NOT IN COMPLIANCE WITH SECTION 623 OF THE FCRA, 15 U.S.C. 168s-2.

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 2024-08-10 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: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Don't recognize this inquiry? 
Report inaccuracies with the link below. 
Dispute this inquiry

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-10 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bridgecrest Acceptance Corporation
State: GA

Complaint narrative:
XXXX XXXX XXXX has recently transferred the debt to another debt collection agency XXXX XXXX and XXXX and failed to report this to the credit bureaus. they also failed to respond to my request for debt validation. XXXX, XXXX, and XXXX failed to give notice of how dispute was verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-10 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: MS

Complaint narrative:
I am rejecting this response because : The Credit Bureau recent response to my complaint regarding inaccuracies on my credit report. 

Despite my numerous attempts to dispute these erroneous accounts and rectify the situation, XXXX has failed to adequately address and resolve the issues at hand. 

Over the past several months, I have repeatedly contacted The Credit Bureau, providing detailed information and supporting documentation to demonstrate the inaccuracies present in my credit report. Unfortunately, each attempt has been met with insufficient action and a lack of proper investigation into the matters I raised. This ongoing negligence has caused significant harm to my creditworthiness and has had adverse effects on my financial well-being. 

I am now seeking the intervention and assistance of the CFPB to help resolve these persistent issues. The Credit Bureau failure to correct these inaccuracies and conduct a thorough investigation is a clear violation of the Fair Credit Reporting Act ( FCRA ). Specifically, they have breached my consumer rights to a fair and accurate credit report by not fulfilling their obligation to investigate disputes properly and correct any errors. 

The FCRA mandates that credit reporting agencies must investigate disputed information and make corrections if inaccuracies are found. 
The Credit Bureau continuous disregard for this responsibility has not only violated my rights but has also perpetuated the damages being done to me as a consumer. 

I trust that the CFPB will take appropriate action to ensure that The Credit Bureau adheres to the FCRAs requirements and conducts a comprehensive review of my disputes. I am seeking a resolution that includes the correction of all inaccuracies on my credit report and a guarantee that my consumer rights will be respected moving forward.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: OR

Complaint narrative:
I have one name and that is the only one that should be on my credit file and that is XXXX XXXX. Also I have only one address and that is the only one needed on my credit file XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Oregon XXXX. Also I have only one phone number and that should be the only one on my credit report XXXX. I have only one e mail address and that is the only one I want to see on my credit file and that is XXXX. other than that my birthday is XXXX. And any other information other than what I have agreed upon being mine should be removed immediately and any information containing addresses and phone numbers and other names should also be removed if it is listed with any other names addresses phone numbers or emails other than what I'm giving you rite here and now then it is listed with false information and there for incorrect so it should be immediately removed from my credit report unless it is 100 percent accurate with only accurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Absolute Recovery Services, LLC
State: AR

Complaint narrative:
I XXXX XXXX I reserve my right under UCC 1-308 not to be compelled to perform under any contract or any Commercial agreement not entered knowingly, voluntarily, an intentionally and I do not accept the liability of any compelled benefit or any unrevealed contract or Commercial agreement On XX/XX/year>, Absolute Recovery Services received an affidavit of violations of Arkansas code 4-59-101a ( 2 ), 15 USC 1692c, and 15 USC 1692e which will be attached with this complaint. Absolute Recovery Services has failed to produce any agreement between XXXX XXXX and Absolute Recovery Services obligating me to any debt as requested and continues to violate 15 USC 1692e with false credit reporting and 15 USC 1692c by failing to cease and desist collection efforts under the Fair Debt Collection Practices Act.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-10 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: LA

Complaint narrative:
I am rejecting this response because : The Credit Bureau recent response to my complaint regarding inaccuracies on my credit report. 

Despite my numerous attempts to dispute these erroneous accounts and rectify the situation, TransUnion has failed to adequately address and resolve the issues at hand. 

Over the past several months, I have repeatedly contacted The Credit Bureau, providing detailed information and supporting documentation to demonstrate the inaccuracies present in my credit report. Unfortunately, each attempt has been met with insufficient action and a lack of proper investigation into the matters I raised. This ongoing negligence has caused significant harm to my creditworthiness and has had adverse effects on my financial well-being. 

I am now seeking the intervention and assistance of the CFPB to help resolve these persistent issues. The Credit Bureau failure to correct these inaccuracies and conduct a thorough investigation is a clear violation of the Fair Credit Reporting Act ( FCRA ). Specifically, they have breached my consumer rights to a fair and accurate credit report by not fulfilling their obligation to investigate disputes properly and correct any errors. 

The FCRA mandates that credit reporting agencies must investigate disputed information and make corrections if inaccuracies are found. 
The Credit Bureau continuous disregard for this responsibility has not only violated my rights but has also perpetuated the damages being done to me as a consumer. 

I trust that the CFPB will take appropriate action to ensure that The Credit Bureau adheres to the FCRAs requirements and conducts a comprehensive review of my disputes. I am seeking a resolution that includes the correction of all inaccuracies on my credit report and a guarantee that my consumer rights will be respected moving forward.

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 2024-08-10 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: IL

Complaint narrative:
Had identity theft, along with proof of ID theft and proper filed government filings no charge offs were removed from all 3 credit bureau. XXXX XXXX and Equifax!!! There are 3 chare-off accounts that were considered fraud, XXXX XXXX  credit card accounts and XXXX XXXX XXXX account. Those 3 accounts were charged off. My identity theft reports were not recognized and honored by these credit bureaus

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-10 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: IL

Complaint narrative:
Had identity theft, along with proof of ID theft and proper filed government filings no charge offs were removed from all 3 credit bureau. Experian XXXX and XXXX!!! There are 3 chare-off accounts that were considered fraud, 2 XXXX credit card accounts and 1 XXXX  XXXX account. Those 3 accounts were charged off. My identity theft reports were not recognized and honored by these credit bureaus

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 2024-08-10 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: GLOBAL CLIENT SOLUTIONS, LLC
State: CA

Complaint narrative:
Global holding llc was working on my debt relief for the last three years and they have charged me more then {$17000.00} for the last three years and they were able to settle with XXXX XXXX  but were not able to settle the debt with XXXX XXXX and now after three years they asked me that they cant settle with XXXX XXXX XXXX and I have to work with XXXX XXXX and they already charged me more then {$17000.00}. I want to get help in this issue. I talked with global holding and they dont want to help me settle with XXXX XXXX and they want me to settle or make arrangement with XXXX XXXX after three years.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR

Complaint narrative:
I have one name and that is the only one that should be on my credit file and that is XXXX XXXX. Also I have only one address and that is the only one needed on my credit file XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Oregon XXXX. Also I have only one phone number and that should be the only one on my credit report XXXX. I have only one e mail address and that is the only one I want to see on my credit file and that is XXXX. other than that my birthday is XXXX. And any other information other than what I have agreed upon being mine should be removed immediately and any information containing addresses and phone numbers and other names should also be removed if it is listed with any other names addresses phone numbers or emails other than what I'm giving you rite here and now then it is listed with false information and there for incorrect so it should be immediately removed from my credit report unless it is 100 percent accurate with only accurate information.

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 2024-08-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: OR

Complaint narrative:
I have one name and that is the only one that should be on my credit file and that is XXXX XXXX. Also I have only one address and that is the only one needed on my credit file XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX. Also I have only one phone number and that should be the only one on my credit report XXXX. I have only one e mail address and that is the only one I want to see on my credit file and that is XXXX. other than that my birthday is XXXX. And any other information other than what I have agreed upon being mine should be removed immediately and any information containing addresses and phone numbers and other names should also be removed if it is listed with any other names addresses phone numbers or emails other than what I'm giving you rite here and now then it is listed with false information and there for incorrect so it should be immediately removed from my credit report unless it is 100 percent accurate with only accurate information.

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 2024-08-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
Account was closed back in the fall of XXXX. However XXXX  has yet to charge off account. They continue reporting to credit agencies that the account is past due negatively impacting my score when its been closed for 7 years. I disputed it with XXXX  and the credit reporting agencies but nothing ever happens. When asked them to furnace transaction history they have never sent me anything. This account violates my rights. They are committing fraud by continuously changing the dates reporting. Please remove from credit report

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-10 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: EQUIFAX, INC.
State: NY

Complaint narrative:
on my prior claim XXXX i informed Equifax that they based on " The Coronavirus Aid, Relief, and Economic Security ( CARES ) Act, passed by congress and signed into law on XX/XX/year>, contains a provision explicitly addressing the FCRA. Section 4021 of the Cares Act amends Section 623 ( a ) ( 1 ) of the FCRA ( 15 USC 1681s-2 ( a ) ( 1 ) ). Now, a furnisher of data to the consumer reporting agencies that allows its customers to defer payments, make partial payments, modify credit terms, or makes other arrangements for its customers affected by COVID-19, should not report the account as delinquent, but should continue reporting it as current, unless the account was delinquent before the COVID-19 related deferral or modification, and has not been subsequently brought current. These new reporting requirements are retroactive to XX/XX/year> and do not apply to charged-off accounts. '' they are supposed to report this late payment current because it was during covid period and they are violating the FCRA please make this account back to never late and paid as agreed

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-10 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: FL

Complaint narrative:
Account was closed back in the fall of XXXX. However XXXX has yet to charge off account. They continue reporting to credit agencies that the account is past due negatively impacting my score when its been closed for 7 years. I disputed it with XXXX and the credit reporting agencies but nothing ever happens. When asked them to furnace transaction history they have never sent me anything. This account violates my rights. They are committing fraud by continuously changing the dates reporting. Please remove from 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 2024-08-10 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: FL

Complaint narrative:
Account was closed back in the fall of XXXX. However XXXX has yet to charge off account. They continue reporting to credit agencies that the account is past due negatively impacting my score when its been closed for 7 years. I disputed it with XXXX and the credit reporting agencies but nothing ever happens. When asked them to furnace transaction history they have never sent me anything. This account violates my rights. They are committing fraud by continuously changing the dates reporting. Please remove from credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Account was closed back in the fall of XXXX. However XXXX has yet to charge off account. They continue reporting to credit agencies that the account is past due negatively impacting my score when its been closed for 7 years. I disputed it with XXXX and the credit reporting agencies but nothing ever happens. When asked them to furnace transaction history they have never sent me anything. This account violates my rights. They are committing fraud by continuously changing the dates reporting. Please remove from 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