vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-24 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Adjusters, LLC
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, TX XXXX Subject : Request for Removal of Inaccurate/Negative Items Pursuant to 15 U.S.C. 6801 and 15 U.S.C. 6802 Dear [ TXXXX XXXX XXXX ], I am writing to formally dispute the following inaccurate and negative items listed on my credit report : [ List the specific negative items, such as account number or other relevant details ] Under the provisions of the XXXX XXXX  [ 15 U.S.C. 6801 and 6802 ], financial institutions are required to protect the privacy and security of consumers ' personal information. These laws mandate that institutions establish safeguards to protect sensitive information and prohibit the unauthorized sharing of personal data without explicit consent. I believe that the reporting of these negative items may involve a violation of these laws, as my personal information was not handled in accordance with the privacy protections mandated by federal law.Therefore, I respectfully request that you investigate these items under the Fair Credit Reporting Act [ FCRA ] and remove any information that is inaccurate, unverifiable, or otherwise improperly included in my report. In accordance with my right as a consumer, please provide written confirmation of the removal of these negative items of a detailed explanation of your investigation process within 30 day of receiving this letter. I expect that if you can not verify the accuracy of these items, they will be promptly deleted from my credit report. Thank you for your attention to this matter. Look forward to your timely response. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-24 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: MI

Complaint narrative:
I have discovered that my credit report was accessed or furnished without my explicit authorization. This unauthorized action is a blatant infringement on my rights, and I will not tolerate the mishandling of my sensitive information. This serves as a formal and urgent demand for the immediate rectification of an egregious violation of my rights under the Fair Credit Reporting Act ( FCRA ). Specifically, I am referencing 15 U.S.C. 1681b, which clearly dictates that a consumers credit report may only be furnished under specific, lawful circumstancesone of which is written consent from the consumer. Let me make this clear : I never provided your agency with any such consent to access, furnish, or distribute my personal credit information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-24 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: MA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. 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 2024-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is 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 explanation
Consumer complaint received 2024-09-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Radius Global Solutions LLC
State: CA

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



RADIUS GLOBAL SOLUTIONS LLC Original Creditor : XXXX XXXX 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 explanation
Consumer complaint received 2024-09-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
In reference to complaint XXXX that is currently open I received a call from the issuer of the check to let me know the check was cashed by Chase and they can not issue a new check unless they get the funds back. I also received XXXX checks from Chase for the balance I had previous to depositing the check but no check for the deposit I made. I dont know what to do at this point because Chase is going to tell me they didnt cash it and that is why they closed my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-24 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: CA

Complaint narrative:
I am writing to you as a concerned consumer regarding the accuracy and fairness of the information contained in my credit report. As you are aware, the Fair Credit Reporting Act ( FCRA ) ( 15 USC 1681 ), which was enacted to promote the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, grants me certain rights to ensure that my credit report is correct and that I am treated fairly in the credit reporting process. 

Under the FCRA, I am entitled to the following rights : The Right to Accurate Reporting The Right to Dispute Inaccurate Information The Right to Be Notified of Adverse Actions The Right to Limit Access to My Credit Report The Right to Privacy and Confidentiality The Right to Seek Damages for Violations I am asserting these rights in my dealings with your agency to ensure that my credit report is accurate, complete, and reflective of my true credit history. Any discrepancies or inaccuracies should be promptly corrected to avoid any adverse impact on my creditworthiness. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-24 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see XXXX XXXX ( an original XXXX XXXX with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-24 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: TX

Complaint narrative:
The following companies have negatively reported to all three of my credit reports. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have reached out to the credit bureau 's to ask for the removal of these discrepancies that have been reporting improperly.

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 2024-09-24 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have noticed several unfamiliar items on my credit report, which leads me to believe my identity may have been compromised, as I did not authorize these accounts. I have raised this issue previously and am now requesting that these accounts be removed from my report promptly. Their presence is causing significant stress and misrepresents my true credit history and financial management. This situation has been challenging, and if it is not resolved, I am prepared to take legal action to protect my rights and seek a resolution. 

These incorrect items are severely impacting my financial goals, including buying a home and supporting my family. I trust that we can address this issue swiftly.

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 2024-09-24 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: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MI

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX XX/XX/XXXX FAIR COLLECTIONS & OUT XXXX XXXX XXXX XXXX XXXX XXXX Account number XXXX Dispute of Unauthorized Credit Report Inquiry Reference : 15 U.S.C. 1681 Fair Credit Reporting Act ( FCRA ) Dear FAIR COLLECTIONS & OUT I am writing to formally dispute an unauthorized inquiry listed on my credit report. Under 15 U.S.C. 1681b of the Fair Credit Reporting Act ( FCRA ), it is required that no party may obtain my consumer report without my written consent or a permissible purpose, which includes my direct authorization. Upon review of my credit report, I found that FAIR COLLECTIONS & OUT accessed my credit report on XX/XX/XXXX without my knowledge or authorization. 

I have never provided written consent for FAIR COLLECTIONS & OUT to obtain my personal credit information. This constitutes a violation of my rights under the FCRA. I request that you immediately : 1. Investigate the unauthorized inquiry.

2. Remove this inquiry from my credit report.

3. Provide me with the results of your investigation.

In accordance with the FCRA, I expect this dispute to be resolved within the 30-day time frame required by law. Please consider this a formal complaint if no timely or satisfactory action is taken.

Enclosed are copies of my identification and any supporting documents necessary to assist with this dispute. Should you require additional information, feel free to contact me using the details provided above.

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 2024-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-24 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: SC

Complaint narrative:
I was apart of a fraudulent scheme in which {$8200.00} was moved through my PayPal account to ultimately end up in another persons account who is the responsible party of debt. PayPal is harassing me by sending my account to yet another collection agency after I explained to the first one what happened and the refused to collect from me. PayPal send me emails and other reminders of this account balance that I do not owe! I have pressed criminal charges against the responsible party and they will be served a warrant for there arrest this week!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-24 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: NY

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. 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 2024-09-24 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: MI

Complaint narrative:
RE : XXXX  Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 



XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.

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 2024-09-24 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Google Compare Credit Cards Inc.
State: CA

Complaint narrative:
I purchased Google XXXX gift cards totaling {$250.00} ( {$70.00}, {$80.00}, {$40.00}, and {$25.00}, {$40.00} ). Despite verifying my account, I receive an error message stating " we need more information '' when trying to access the funds. Multiple attempts to contact Google Support have been unsuccessful.

Specific Issues : 1. Failure to provide accessible funds 2. Inadequate customer support Desired Resolution : 1. Resolution of the issue or refund/exchange 2. Improved customer support

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 2024-09-24 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: MI

Complaint narrative:
i HAVE RECENTLY PULLED MY CREDIT REPORTS AND CAME ACROSS SOME ACCOUNTS THAT DO NOT BELONG TO ME AND FRAUDULENT ON MY CREDIT REPORT. I HAVE NEVER DONE BUSINESS WITH THESE COMPANIES NEVERLESS I HAVNT SIGNED CONTRACTS WITH THESE ACCOUNTS. IM REQUESTING THAT YOU DELETE THESE ACCOUNTS FROM MY CREDIT PROFILE AS THEY ARE HURTING MY ABILITY TO DEAL WITH EVERYDAY LIFE. XXXXXXXX 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 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
Consumer complaint received 2024-09-24 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: EQUIFAX, INC.
State: MO

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-24 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: IL

Complaint narrative:
I filed a dispute regarding incorrect information on my credit report. The credit bureau emailed me, stating they assumed the disputes were from a third party, which is untrue. I called to verify my identity, yet they still refused to process my disputes. I wasted money on mailing my disputes and sent personal information to verify my identity, only for them to fail to conduct a thorough investigation.

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 2024-09-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC
State: TX

Complaint narrative:
Spring Oaks Capital , LLC XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX, TX XXXX XX/XX/year> To Whom It May Concern, I am writing in response to a notice I received concerning an alleged debt. Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I request that you provide validation of this debt. Please provide the following information : A copy of the agreement or contract assigning the debt from the original creditor to your agency. 
The name and address of the original creditor. 
A detailed accounting of how the debt was calculated, including any fees or interest. 
Proof that you are legally authorized to collect on this debt in my state. 
Additionally, until this debt is validated and the requested documentation provided, I request that you cease all collection efforts and reporting of this debt to any credit reporting agencies. 

Please consider this letter a formal dispute of the debt and a request for validation. I expect a response within 30 days, as required by law. If you fail to provide the requested documentation within this timeframe, I will consider this matter closed, and you must notify any credit reporting agencies to remove any references to this debt from my credit profile. 

I appreciate your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation