vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-10 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Thomas George Associates, Ltd.
State: NC

Complaint narrative:
I was in an auto accident and not insured. The other party 's insurance attorney Thomas George Associates mailed me a collection letter for the cost they are holding me responsible for totaling XXXX. The company then reported a different amount owed to the XXXX XXXX XXXX totaling XXXX without ever sending me any explanation or proof of this balance. I emailed Thomas George Associates representative XXXX XXXX to send the proof of how the balance due jumped from XXXX to XXXX. His response was that it was for paying rental car expenses to the other party and that the balance was now actually at XXXX. Again, no proof or documentation was ever provided for the XXXX  charges that have again spiked without explanation. This repair was completed in less than XXXX  days.The math is not mathing. I have email correspondence of my request for proof and of XXXX acknowledging my request yet never following through with sending what I requested. 
XXXX XXXX claim # 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 2024-05-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
My rights have been violated. I didnt give these companies consent or written permission to report in accordance to 5 USC 1681b. 15 U.S.C 1681 section 602 A. States I have the rights 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 They are thereby reporting fradulent erroenous information. A willful violation under 15 USC 1681C-1 and and per15 USC 1681c-2 these need to be removed in XXXX  days.These are causing defamation of my character and my public appearance. I will have bo choice but to seek litigation in small claims court if this isnt fixed. see attachments

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: GA

Complaint narrative:
On XX/XX/24 XXXX XXXX of PNC bank placed a hold on my XXXX  account. I was advised that it was being placed due to issues with my intitial business documentation being uploaded into their system. I knew this to be false due to the fact that XXXX XXXX had verified all of this documentation at the time of the account opening. I continued to oblige the discriminatory requests even after the branch was holding funds after completing a deposit verification not only verifying the funds had cleared my vendors account but also after verifying I was the correct vendor due to be paid. It is now XX/XX/24 I have not only supplied all requested documentation to include a certified/notarized business registration documentation from the secretary of state but in addition I have re-supplied all personal identifying information to include my passport, yet my account is still on hold. i currently have an executive relations complaint and even the representative XXXX XXXX has been unable to find resolve in working to open my account after personally verifying all documentation. Communication is being deflected back to the XXXX XXXX contact however she never answers or returns calls for myself or the branches I have enlisted help from. The XXXX XXXX  then placed a hold on an additional account I have opened without explanation following notification that this executive complaint was filed. The conduct of involved parties directly responsible for placing these holds is not only discriminatory but unethical. they have prevented me from completing payroll in a XXXX  manner for my drivers and caused extreme distress and worry as I am looking to conduct business. something needs to be done about this

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CAVALRY INVESTMENTS, LLC
State: CA

Complaint narrative:
XX/XX/2024 : This XXXX debt is 7-8 years old and was purchased by Calvary. The debt is for less than {$3000.00}. Either Calvary or a third party called me and left a legal message. They said they are filing a case in XXXX XXXX. Then they called my ex-husband, leaving the same message. We have not been married or spoken for 10 years. They should not contact him for anything. That cant be lawful or ethical. The message they left, for my ex-husband, included my address. This is obscene. There is a history that exists, whereby he should not have my address. Not safe for me. 
Their number is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I called them. They have my name incorrect. I have never been XXXX XXXX XXXX. XXXX hasnt been my last name for 10 years. They demanded I confirm my date of birth and last 4 of my social before telling me any info. I told them they shouldnt call someones ex-husband but they claimed we were connected. We are not connected in any way whatsoever. I confirmed that I was aware of this XXXX year old debt and hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-10 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: GA

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.

has violated my rights. Or a list of inquiries : 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 2024-05-10 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: Experian Information Solutions Inc.
State: GA

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.

has violated my rights. Or a list of inquiries : 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Unique Management Services, Inc
State: MD

Complaint narrative:
Unique Management Services XXXX XXXX XXXX XXXX XXXX, IN XXXX Dear Unique Management Services, I am writing to dispute the validity of the alleged debt associated with account numbers XXXX XXXXXXXX and XXXX XXXX, which your agency claims I owe in the amount of {$63.00}. This dispute is in accordance with the Fair Debt Collection Practices Act ( FDCPA ) [ 15 U.S.C. 1692 et seq. ] and the Fair Credit Reporting Act ( FCRA ) [ 15 U.S.C. 1681 et seq. ]. 

I received your communication dated XX/XX/year>, regarding this matter, which I received on XX/XX/year>. This delay in communication violates the FDCPA 's provision regarding timely notification of debt validation [ 15 U.S.C. 1692g ]. Therefore, I demand immediate verification of this debt. 

Furthermore, I must emphasize that I do not own property in XXXX XXXX XXXX, as your agency claims. This inaccurate assertion raises serious concerns about the accuracy and validity of your collection efforts. I hereby request verification of the debt, including an original signed document demonstrating my obligation to repay. 

In accordance with the FCRA and FDCPA, I request the following : 1. Verification of Debt : Please provide detailed verification of the alleged debt, including the original signed agreement, itemized statements, and any other documentation proving my liability [ 15 U.S.C. 1692g ].

2. Accuracy of Information : Ensure that all information provided regarding the alleged debt, including the purported ownership of property, is accurate and substantiated by verifiable evidence [ 15 U.S.C. 1681s-2 ].

3. Timely Notification : Adhere to the FDCPA 's requirement for timely notification of debt validation, as any delay beyond the stipulated timeframe is considered a violation [ 15 U.S.C. 1692g ].

Failure to comply with these requests within the specified timeframe will result in further action to protect my rights under the FDCPA and FCRA. Any continued attempts to collect this debt without proper verification will be considered a violation of federal law. 

I expect your prompt attention to this matter and a timely response in compliance with the applicable statutes. Please provide all requested documentation and cease all collection activities until the validity of the debt is verified. 

Sincerely, XXXX XXXX

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-10 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:
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.

has violated my rights. Or a list of inquiries : 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Hi, I am authorizing this complaint on my behalf, I cant believe you guys are taking advantage of me. I am very upset. the credit bureaus have not responded back to me about my investigation. I sent a letter, its more than 60 days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-10 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am a victim of fraudulent information reporting and I am refiling this complaint to EXPERIAN. I am writing to appeal that you block the following false information from my credit report. The XXXX  report number related with this complaint is XXXX including the unauthorized inquiries with XXXX  report number XXXX have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-10 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: CORELOGIC INC
State: MD

Complaint narrative:
LITIGATION IN PROCESS ACT IMMEDIATELY YOU ARE IN VIOLATION THIS IS A NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY COMPENSATION UNDER FCRA 15 U.S. Code 1681n Civil liability for willful noncompliance and 15 U.S. Code 1681o Civil liability for negligent noncompliance and 15 U.S. Code 1692k civil liability. 
I have been trying to resolve this matter for some time with your agency, and the corporations and debt collectors you allowed to fraudulently place inaccurate items on my credit report without permissible purpose, along with violating many other rights I am able to enforce as a natural person. Moreover, you continued to report items that are not XXXX XXXX accurate ( the most important job as a credit reporting agency ) as well as without my permission. I have had to forcefully study to find out the XXXX  ways that I have been violated, but my perspicacity and indefatigability assisted me to this very moment. I am a consumer that can take litigation earnestly, meaning that I am unreasonably prone to go to law to settle disputes, and am currently in the process of taking legal action in this matter to enforce my rights under the FCRA and FDCPA. This is my official notice for you to remove everything that is in violation of the laws mentioned in my AFFIDAVIT OF TRUTH, LITIGATION LETTER ( THIS ATTATCHMENT ), XXXX  REPORT, XXXX  COMPLAINT, XXXX  COMPLAINT, XXXX  XXXX  COMPLAINT, XXXX  XXXX  HANDLES, AND XXXX  COURTS  IF NOT RESOLVED PEACEFULLY AND QUICKLY. WHICH I WILL BE USING AS CRUCIAL EVIDENCE, in your ability to willfully neglect the laws that have been put in place to refute situations such as mine.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-10 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: ID Analytics, Inc.
State: MD

Complaint narrative:
LITIGATION IN PROCESS ACT IMMEDIATELY YOU ARE IN VIOLATION THIS IS A NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY COMPENSATION UNDER FCRA 15 U.S. Code 1681n Civil liability for willful noncompliance and 15 U.S. Code 1681o Civil liability for negligent noncompliance and 15 U.S. Code 1692k civil liability. 
I have been trying to resolve this matter for some time with your agency, and the corporations and debt collectors you allowed to fraudulently place inaccurate items on my credit report without permissible purpose, along with violating many other rights I am able to enforce as a natural person. Moreover, you continued to report items that are not XXXX XXXX  accurate ( the most important job as a credit reporting agency ) as well as without my permission. I have had to forcefully study to find out the XXXX  ways that I have been violated, but my perspicacity and indefatigability assisted me to this very moment. I am a consumer that can take litigation earnestly, meaning that I am unreasonably prone to go to law to settle disputes, and am currently in the process of taking legal action in this matter to enforce my rights under the FCRA and FDCPA. This is my official notice for you to remove everything that is in violation of the laws mentioned in my AFFIDAVIT OF TRUTH, LITIGATION LETTER ( THIS ATTATCHMENT ), XXXX  REPORT, XXXX  COMPLAINT, XXXX  COMPLAINT, XXXX  XXXX  COMPLAINT, XXXX  XXXX  HANDLES, AND XXXX  COURTS IF NOT RESOLVED PEACEFULLY AND QUICKLY. WHICH I WILL BE USING AS CRUCIAL EVIDENCE, in your ability to willfully neglect the laws that have been put in place to refute situations such as mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-10 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: PA

Complaint narrative:
XXXX Other reason Looks like you've already filed a dispute for this item Under Section 611 ( a ) ( 3 ) ( A ) of the Fair Credit Reporting Act we won't process a duplicate dispute unless you provide new, relevant information. If you do have additional information, you can upload it here. You can also contact us at ( XXXX ) XXXX or contact your data furnisher for more info on how to move forward. 
Our Experian Dispute Specialists are available to assist you. When calling, use Report # XXXX. 

Account info Account name XXXX Account number XXXX Account type Charge Card Responsibility Individual Date opened XX/XX/2016 Status Closed. {$500.00} written off.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-10 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: IL

Complaint narrative:
FCRA 605B demands the eradication of any incorrect accounts from my credit report. These accounts inaccurately represent my credit activities. Compensation of XXXX is warranted for each incorrect account listed on my credit file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-10 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: IN

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
VENMO FROZE MY ACCOUNT STATING THAT A SECURITY RISK OCCURRED RIGHT AFTER I FILED A XXXX. THIS IS ILLEGAL AND THEY NEED TO REINSTATE MY ACCOUNT!

Company response to consumer: Closed with explanation