vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-01 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The CMI Group, Inc.
State: MS

Complaint narrative:
Re : Investigation Complaint Against Credit Management LP To Whom It May Concern, I am writing to file a formal complaint against Credit Management LP for multiple violations of my consumer rights under federal and state laws, specifically the Fair Debt Collection Practices Act ( FDCPA ), the Uniform Commercial Code ( UCC ), and relevant Mississippi state statutes. 

Summary of Violations : Failure to Validate Alleged Debt : Despite my requests for validation, Credit Management LP has failed to provide proof of the alleged debt, including but not limited to the original creditor 's information, proof of a license to collect in the state of Mississippi, proof of the debt purchase agreement outlining the terms of the debt purchased, and confirmation of compliance with Mississippi state statute of limitations. 

Use of Law Firm as Debt Collector : Credit Management LP has engaged its law firm as a debt collector, which is in violation of federal law, as outlined in the Fair Debt Collection Practices Act ( FDCPA ). 
Legal Basis for Relief : Failure to Validate Debt - UCC Law Codes : UCC 9-609 : Failure to provide proof of a valid debt constitutes a default.

UCC 1-201 ( 37 ) : Defines an " unauthenticated debtor '' in relation to providing proof of a valid debt.

Failure to Validate Debt - Federal Law Codes : FDCPA 809 ( b ) : Requires debt collectors to provide validation of debts upon consumer request.

FDCPA 807 ( 10 ) : Prohibits the use of false or deceptive means to collect a debt.

Use of Law Firm as Debt Collector - Federal Law Code : FDCPA 807 ( 6 ) : Prohibits deceptive practices in connection with the collection of any debt, including the use of a law firm as a debt collector. 
Request for Investigation and Relief : I request a thorough investigation into Credit Management LP 's unlawful debt collection practices and failure to validate the alleged debt. The failure to provide the requested information should be considered a default and admission of the illegitimacy of the debt.

Violations : Failure to validate the alleged debt as required by the FDCPA and UCC.

Use of a law firm as a debt collector in violation of the FDCPA.

Remedies Requested : Monetary relief for any damages incurred due to Credit Management LP 's unlawful practices. 
Personal punitive damages for the distress caused to my life by their actions. 
I appreciate your prompt attention to this matter and look forward to a resolution that ensures the protection of my consumer rights.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
I have consistently made on-time payments for these accounts, and I kindly request that you update my records accordingly. It's frustrating because I've always paid on time, which makes this situation seem unreasonable.

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 2024-02-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I kindly ask that you undertake a thorough investigation and ensure their removal from my credit report. For your reference, I've provided the requisite documentation to back my assertions.

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 2024-02-01 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:
Im a victim of identity theft. There is no way that accurately investigated my file in 48 hours. They are not taking my identity theft serious if this is not corrected and properly investigated I will sue. This us unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC.
State: OH

Complaint narrative:
i deposited a check on XX/XX/XXXX in the amount of {$2400.00}. Citizens bank released the first part of the money in the amount of {$260.00} Saturday XX/XX/XXXX. they have stated they are holding the money for ten business days due to risk. This is the second time in about a month this has occurred causing the account to overdraft and leaving me without money to pay bills and seek XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have never in my life deposited a check that bounced or gives them any reason to believe releasing their hold is a risk to them, this is an attempt to overdraft the account and force fees because it keeps happening. the same happened for a {$200.00} check that was held for five days. this is excessive and unfair, and should not be allowed. As it stands now the account is overdrafted {$1000.00} thanks to their refusal to release the check hold and give me my money. Two business days i understand, but SEVEN?! on an account thats more than a year old with no bounced checks, thats never had a check returned.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my 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 2024-02-01 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: WI

Complaint narrative:
I strongly request you to address and rectify the unauthorized accounts on my credit report. These entries, which I have no connection to, are adversely impacting my credit standing. Kindly ensure their swift removal and take measures to prevent such errors in the future.

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 2024-02-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Trans Union. received my dispute regarding violations of the Gramm- Leach Blilley Act 6801,6802.

Additionally, My privacy rights are being violated in accordance with FCRA 602 which sates I have a right to privacy and FCRA 604 ( a ) ( 2 ) states a credit reporting agency can not furnish an account without my written instructions. 

I submitted my dispute via CFPB # XXXX XXXX on XX/XX/XXXX Trans Union acknowledged receipt on XX/XX/XXXX then on XX/XX/XXXX my social security identification Is being requested .Trans Union should have my Social security information already because I have uploaded it a few times already. 

I uploaded it via CFPB and regular mail 2 times. 

This is a STALL tactic!!!! 
I am uploading a copy of my social security card with state identification / birth certificate. 
AGAIN. 

Remove both accounts : Trade : XXXX XXXX XXXX Trade : XXXX XXXX XXXX XXXX XXXX You are in violation of FCRA 611 because you failed to conduct your investigation in 35 days and you are compelled to delete both accounts you are illegally reporting on my XXXX credit report 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 2024-02-01 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: WI

Complaint narrative:
I am deeply concerned to discover public records on my credit report that I was unaware of. This is not acceptable. I urge you to remove these records and ensure my credit report is updated correctly.

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 2024-02-01 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: NC

Complaint narrative:
I've tried to contact Bureaus but they didnt act with my complaint. Ive disputed the following accounts because it was unathorized. It really affect my lifestyle and credit score. Remove immediately the following accounts. 
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Kindly correct the error on my account by removing the wrongful late payment notation. I have consistently made payments punctually and never defaulted. This situation is greatly affecting my well-being and disrupting my sleep. I urge you to address this issue and rectify my account 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 2024-02-01 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:
Kindly delete this incorrect account from my credit report. I never gave permission for its creation or use. I've attached the necessary documents to substantiate my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-01 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: UPGRADE, INC.
State: NY

Complaint narrative:
This account has been on credit report and I'm trying to apply for a loan, I have been XXXX since 2017 and wasn't able to pay this account in a timely manner but when I started receiving my XXXX benefits I paid off the account so I kindly ask that this account be removed from my credit please, I already contacted the credit bureaus and they said I need to contact the lender to remove it Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Kindly correct the error on my account by removing the wrongful late payment notation. I have consistently made payments punctually and never defaulted. This situation is greatly affecting my well-being and disrupting my sleep. I urge you to address this issue and rectify my account 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 explanation
Consumer complaint received 2024-02-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: Mr. Cooper Group Inc.
State: OH

Complaint narrative:
We sold our house and we are in contract to close XX/XX/XXXX. Request payoff amount and received XXXX XXXX. This payoff was incorrect- stating we owed interest for all of XXXX in the amount of XXXX along with other fees. There were also unapplied funds in the amount of XXXX that no one could explain why they were not applied. We are currently almost out of XXXX XXXX XXXX through which our trustee has been sending monthly payments to the company that have not been accounted for, so they say. We have also been sending full monthly payments ( that include interest ) every month since bankruptcy. We are not behind at all. I have sent the correct documentation providing proof of this to the research department on XX/XX/XXXX and on XX/XX/XXXX I received XXXX emails with payments credited to our account. I called to follow up and was told that I was paid in full until XX/XX/XXXX and at this time I requested another payoff amount. This arrived and was the exact same amount as the previous one - nothing was adjusted. We then received a statement in the mail with our principal balance decreased to XXXX with XXXX in escrow. I called back to question this and why the payoff was not showing this change and they told me those payments credited were reversed. That the bankruptcy portion was not showing. I think submitted more information from the trustee of and itemized list of payments made from the courts every month. This was submitted on XX/XX/XXXX. I was told it was escalated- due to my situation of being in contract to close. I was told I would have resolution by the end of business day on XX/XX/XXXX. I called on that date and there had been no change. Called on the XXXX and no change. Called on the XXXX and was told that there are people ahead of me- they will not move me up in line, and I will hear by XX/XX/XXXX. I have been given a different story and different amount no statement is consistent with the other and no one will help. Possession is to be taken of our home on XX/XX/XXXX from our buyer per contract, we have a contract on another house and the buyers also have buyers in contract on theirs. I was told if I pay this wrong payoff amount even though I am disputing it and have been for a month - I am agreeing to the payoff. I am backed into a corner with this company. They know I am in contract and at some point have to close which means paying off the amount, tell me if I pay if off I agree, even though I do not and I know it is wrong. I have taken all measures and provided all documents to get this taken care of and no one is.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-01 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: IL

Complaint narrative:
I am deeply concerned about the implications this has on my creditworthiness. I implore you to conduct a thorough investigation and take prompt action to rectify this error. Please remove this inaccurate information from my credit profile as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-01 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: NC

Complaint narrative:
I've tried to contact Bureaus but they didnt act with my complaint. Ive disputed the following accounts because it was unathorized. It really affect my lifestyle and credit score. Remove immediately the following accounts. 
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 2024-02-01 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: NC

Complaint narrative:
I've tried to contact Bureaus but they didnt act with my complaint. Ive disputed the following accounts because it was unathorized. It really affect my lifestyle and credit score. Remove immediately the following accounts. 
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 2024-02-01 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:
I kindly ask that you undertake a thorough investigation and ensure their removal from my credit report. For your reference, I've provided the requisite documentation to back my assertions.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-01 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: WI

Complaint narrative:
I strongly request you to address and rectify the unauthorized accounts on my credit report. These entries, which I have no connection to, are adversely impacting my credit standing. Kindly ensure their swift removal and take measures to prevent such errors in the future.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I've consistently made payments on time for this account, and it's causing me XXXX XXXX to see an incorrect late payment entry. I've never faltered in my commitment to timely payments. The impact of this error on my mental well-being is significant, affecting my sleep and peace of mind. I respectfully ask for an immediate correction to my account and hope you understand the urgency of this situatio

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-01 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: WI

Complaint narrative:
I'm not associated with these creditors and I never initiated this inquiry. I urge you to promptly delete it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Kindly correct the error on my account by removing the wrongful late payment notation. I have consistently made payments punctually and never defaulted. This situation is greatly affecting my well-being and disrupting my sleep. I urge you to address this issue and rectify my account immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: ALLIANT CREDIT UNION
State: GA

Complaint narrative:
StartingXX/XX/XXXX I started noticing unfamiliar patterns in the handling of my account from not getting emails notifications etc. I addressed this on multiple occasions inside the Alliant Credit Union app, many phone callls placed. On XX/XX/2021 my card was compromised brutally by a theft process called skimming where your information or card is cloned. I thought I dropped my card and someone picked it up but thats not the case. I disputed some unauthorized activity to Alliant Credit Union on many occasions and I was denied every last credible request to get my money and also was told there was no signs of illegal activity. I knew I wasnt fabricating this situation but I was at the mercy of the bank taking sides with the criminal activity I found out later. I was locked out of emails months at a time. I am filing this complaint because I wanted documented how I was robbed by XXXX XXXX gulping money from Alliant Credit Union account. I needed someone at Alliant Credit Union to examine the facts and not MY RACE to decide how I would be reprimanded instead of the perpetrators. Not to mention my account was closed. I am just now able last month being to establish solid banking relationships again and I will not allow anyone to intimidate again if my claims are fact. I would like to share the lack of care by Alliant Credit disregarding me as I had an investigation with the securities and exchange commission regarding my assets and XXXX XXXX was the subject. XXXX XXXX WAS SUCCESSFULLY ATTACHED AND APPROVED AS A EXTERNAL BANK CONNECTED TO ALLIANT CREDIT UNION. I dont know who XXXX  XXXX IS. I have provided proof of the fraudulent overlooked and lack of care by Alliant not catching this but they definitely penalized the innocent customer.please see attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-01 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: WI

Complaint narrative:
I'm not associated with these creditors and I never initiated this inquiry. I urge you to promptly delete it from my 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