vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Radius Global Solutions LLC
State: GA

Complaint narrative:
Radius Global Solutions contacted me on behalf of XXXX XXXX XXXX to collect a debt that I do not owe. 

I bought an item from XXXX XXXX in XXXX of XXXX. XXXX XXXX signed me up ( unbeknownst to me ) for some subscription plan that I was unaware of until XXXX of XXXX. I messaged XXXX XXXX  through email requesting to be removed from this. They agreed. I then contacted them two other times in XXXX and then again in XXXX because they had not canceled this. They still did not even though they said they would. So, I took action through XXXX ( who I used to pay for this ) and canceled that payment and refund me since XX/XX/XXXX ( even though really it shouldve been since XX/XX/XXXX but I hadnt caught it until XXXX so I didnt have much of a leg to stand on, other than the fact that I didnt sign up for this service that got me nothing. I never received product outside of the initial product either. XXXX resolved my issue by finding in my favor. XXXX XXXX then reached out to me several times pestering me with invoices for products never received. Then they sent me to collections and I received my first notice about a month ago. I disputed this with evidence from XXXX and emails from XXXX XXXX and myself and no action was taken. I have now called and told Radius Global Solutions to stop trying to collect on this debt and am now in fear they are going to unfairly report this nonsense charge to my credit.

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 2023-04-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Affirm Holdings, Inc
State: TX

Complaint narrative:
Affirm Inc is the company I paid on a course to take the XXXX but decided to go a different direction. I was paying a head of schedule so I called the company and they said that it would be taken care of. I was supposed to get my money back that I paid in but that did not happen. To make things worse, they have tried to say I have not paid my debt and I am tired of dealing with them. If you look at my credit, you will find that I pay my bills. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC
State: KY

Complaint narrative:
Complaint Number submitted, XXXX XXXX, XXXX Contacted by Ability Recovery LLC , called from XXXX ( XXXX ) on XX/XX/2023. I spoke with XXXX XXXX XXXX, XXXX, office personnel atXXXX  ( XXXX ) about this issue. XXXX stated this issue has been resolved. XXXX XXXX you are on financial assistance and we pick-up any charges after your insurance has paid their responsible costs. XXXX stated this issue has been resolved, and you have no outstanding balances. 

Submitted, submitted XX/XX/2023 2023

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 2023-04-12 00:00:00
Product: Credit reporting, credit repair services, 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: MA

Complaint narrative:
On to XXXX XXXX  I told Experian I just called you guys to go over my credit history because a lot of it has already been paid off the most of the charge cards it's not supposed to be on my credit history is supposed to already be removed. i'm contacting the FTC if you do not remove the majority of my bills that were already paid off in XXXX  and 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 2023-04-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
Upon requesting validation of the account XXXXXXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX XXXX ( XXXX  ) i was informed that everything was 100 % accurate. However, if its the same account why is there so many differences from all credit bureaus. If your investigation is accurate there is false reporting on my consumer report by having diferent dates and numbers. I have highlighted all differences. Therefore, I demand this accounts to be deleted as you have failed to update them through various disputes. According to 15USC 1681 I ( 5 ) everything has to be 100 % accurate on my report. Its obviously not.

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 2023-04-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
Upon requesting validation of the account XXXXXXXX XXXX XXXXl ( XXXX ) and XXXX XXXX XXXX XXXX  ( XXXX  ) i was informed that everything was 100 % accurate. However, if its the same account why is there so many differences from all credit bureaus. If your investigation is accurate there is false reporting on my consumer report by having diferent dates and numbers. I have highlighted all differences. Therefore, I demand this accounts to be deleted as you have failed to update them through various disputes. According to 15USC 1681 I ( 5 ) everything has to be 100 % accurate on my report. Its obviously not.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12 00:00:00
Product: Credit reporting, credit repair services, 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:
See attached!! The Credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, last verified inaccurate and date last reported is not accurate. Some accounts are showing open and some are showing closed status. The account is in charge off status but still showing a balance this is a tax fraud because this alleged debt has been written off on the companies profit/loss statement and I have not received a form 1099c and are trying to collect on an alleged debt twice. This is grounds for removal they also violated my rights under 15 U.S.C 1681 section 602 A. According FCRA guidelines information furnished on consumer reports have to be 100 % accurate across on all 3 credit reporting agencies or the account has to be removed from my consumer report as this constitutes fraud.

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 2023-04-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I have banked with Bank of America for 17 years. I have never filed a claim n them. On XXXX of 2023 My account was hacked and compromised causing me to lose XXXX in transaction via XXXX XXXX so random people that I have no idea who they are and where they live. My car insurance is canceled at the present moment do to not having the money available in my account. I have contacted my internet provider and my cell phone carrier. About the situation and they have changed my hardware and my sim car for my phone. I am still waiting for them to give me a resolution to this matter, and they keep blowing me off. Serval on my neighbors have had. The same issue with this bank. I don't know where else to go and ask for help. Please help me I have a family to support and take care of.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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

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 2023-04-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
This company is reporting inaccuracies on my consumer report. I have tired to resolve this issue with the company mentioned in this complaint. They are continuing to report inaccurate information on the fallowing account. I recently sent you a request to investigate the information previously disputed on my consumer report on XX/XX/2022 your company has not fixed issue. It is still reporting inaccuracies on my consumer report. Please investigate these accounts and send me an updated report with these changes. As these companies are in direct violation and is subject to 15 U.S. Code 1681i ( a ) and 15 U.S. Code 1681i 5 ( a ) ( i ). Your company is also reporting a chargeoff/collection acccount, I have not recived a 1099c form this company please provide me with one do not update this account delete immediately! 

ACCOUNT NAME : XXXX ACCOUNT  # : XXXX ACCOUNT NAME : XXXX ACCOUNT # : XXXX ACCOUNT NAME : XXXX XXXX # : XXXX ACCOUNT NAME : XXXX ACCOUNT # : XXXX ACCOUNT NAME : XXXX ACCOUNT # : XXXX ACCOUNT NAME : XXXX ACCOUNT # : XXXX ACCOUNT NAME : XXXX ACCOUNT # : XXXX ACCOUNT NAME : XXXX ACCOUNT  # : XXXX ACCOUNT NAME : XXXX  ACCOUNT # : 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 2023-04-12 00:00:00
Product: Credit reporting, credit repair services, 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: CA

Complaint narrative:
I recently put a copy of my credit report, and I notice two inquiries, showing on my credit report I understand that inquiries must remain on your credit report for two years, however The inquiries listed on my Trans Union credit report I did not authorize or give my consent to pull my credit. XXXX XXXXXXXX XXXX Inquiry : XXXX XXXX, 2023 XXXX XXXX Inquiry : XXXX XXXX, 2023

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 2023-04-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
There are some negative Late Payments on my Credit Report for the below company : XXXX XXXX XXXX  XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX Acct # 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 2023-04-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
There are some negative Late Payments on my Credit Report for the below company : XXXXXXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX Acct # XXXX & XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
There are XXXX accounts that hit my credit report in XX/XX/2023. I did not receive any correspondence from XXXX XXXX, nor XXXX. XXXX has allowed XXXX to double report this item on my report. I also tried to resolve this with XXXX and provideded them with proof of my current lease and I was not living in XXXX Texas where the services were. I also found that all 3 credit reporting agencies are allowing the collection agency XXXX XXXX XXXX XXXX, for XXXX and XXXX double report the accounts on my credit reports to further bring my credit score down. 

Up until this happened, my credit was stellar and because Experian, XXXX, and XXXX allowed the XXXX items to be erroneously reported, my credit score has gone down more than XXXX points. XXXX XXXX XXXX XXXX, nor did XXXX or XXXX contact me to let me know I had an outstanding balance. 

My nephew got the utilities switched over in his name, a few months after I moved out and he was paying the monthly bills. I did not know I had a balance although he was paying under my name. But I also was not notified of those balances and I called and sent letters via XXXX to both XXXX and XXXX and never heard back from him. 

My nephew has since sent me the money to pay for the accounts off. But, I still was not notified via US Mail that I had an outstanding balance.

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 2023-04-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/2023 my account was used to send a XXXX payment to an unknown account. The Recipient email was unknown to me nor did I ever authorize this transaction. The amount in question was a sum of XXXX XXXX 

I contacted CHASE Bank and created a claim. Said claim was denied by chase even though In my initial claim I stated I never authorized this transaction. I was unaware of this transaction. In said initial claim I was told I would receive a call within 10 business days and credit into my account but never received a XXXX nor any form of contact from CHASE. I then contacted XXXX as it was through XXXX and was told to contact my bank. I spoke to manager XXXX of the claim department and she told me Negative. 

Under regulation 8 I am entitled a refund for any unauthorized payment. I believe my rights are being infringed upon.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12 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: Resurgent Capital Services L.P.
State: NC

Complaint narrative:
This company is threatening to forward my information to someone I've never done business with in order to file suit. While typing this I have received another email correspondence with threats. I'm not sure how this company received my location information. Its seem someone else sold my personal information along with an alleged debt. The stress this company is causing me is becoming unbearable, I feel my character is being defamed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
On or about XX/XX/XXXX I called Equifax to disbute a medical collection under {$500.00}, that has been previously removed by XXXX  and XXXX and is reporting to my Equifax credit profile. 
XXXX XXXX XXXX XXXXXXXX is attempting to collect a medical debt for XXXX XXXX in the amount of {$410.00}. 
Equifax reinvestigation concludes the debt valid but failed to address the original complaint that the allege debt is under the new ( XXXX ) rule excluding medical debt reporting under {$500.00}. 
Matter of fact the " reinvestigation '' does not even include verbiage to suggest my specific complaint. 
Furthermore the " reinvestigation '' did not address the issue I complained about nor did it capture the fact that XXXX  and XXXX have recently deleted this item from my credit profile. 
Ultimately, this item is being reported erranously and not equally across the 3 credit bureaus and for the 2 reasons given I would like this item removed from Equifax credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
Due to your continued willful disregard of the law I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted within10 days. 
A copy of this letter as well as copies of the three previously written letters sent to you by certified mail with proof of delivery will also become part of a formal complaint to the Consumer Financial Protection Bureau. They will also be submitted as evidence in pending litigation provided you fail to comply with this offer of settlement. 
The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 
In order to avoid legal action I demand that you delete all of the unverified accounts listed below immediately. Please provide me with a copy of an updated and corrected credit report showing that these items have been deleted. 
Account Name Account Number XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX

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