vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: CO

Complaint narrative:
I am a certified victim of identity theft and I have been working with XXXX XXXX since XX/XX/XXXX to recover my identity. I believe the fraudulent activity started in the spring of XXXX when a criminal used my information to report that " their '' Sam 's Club card ( Synchrony Bank ) had been stolen. These individuals changed the mailing from my address in XXXX, CO to an address in XXXX, TX. I was born and raised in XXXX, CO, and have never lived in Texas. Synchrony Bank mailed the new card to XXXX without notifying me and the criminals began to make numerous charges daily. I opened my Sam 's Club card in XXXX and only used it at Sam 's Club as I thought it was a store-specific card. I would accrue only {$700.00} at most before paying it off. The criminals began using a card issued under my name on XX/XX/XXXX, and within two days, spent {$2400.00}. I was unaware that there were any issues with my card until I tried to use it at Sam 's Club in XXXX XXXX XXXX and was told that it had been reported stolen. I made no such report and had the card canceled. I had not received billing statements from Synchrony Bank as the mailing address had been changed without my knowledge. Synchrony ignored the obvious signs of fraudulent activity ; sudden and unusual changes in spending behavior, and address changes. Synchrony has refused to accept that this was not my spending and has now sold the debt to XXXX XXXX XXXX, XXXX. I am disputing this debt now with XXXX XXXX XXXX, XXXX. 
I have attached statements and payments dating back to XXXX showing my spending behavior. You will see that I only made purchases at Sam 's Club and on XX/XX/XXXX of XXXX charges were made at numerous locations in XXXX, TX and XXXX charges out of California. The criminals also made payments on the card on different occasions, most likely to extend the time that they could use the card. The XXXX credit report shows the criminals attempted to open different accounts under my name, as well as multiple addresses and misspellings of my name.

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 2024-10-19 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:
There are several erroneous errors reporting late on all three major credit reports for my XXXX XXXX account. XXXX, Transunion and XXXX are reporting that I have paid late from XX/XX/year> to XXXX of XXXX. This information is false and I have supporting documents to show the payments that were made to the company that bought the XXXX  XXXX Account, XXXXXXXX XXXX XXXXXXXX! The XXXX credit bureaus are also not reporting that I have made a payment in XXXX of 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 2024-10-19 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: GA

Complaint narrative:
There are several erroneous errors reporting late on all three major credit reports for my XXXX XXXX account. Equifax, XXXX and XXXX are reporting that I have paid late from XX/XX/year> to XXXX of XXXX. This information is false and I have supporting documents to show the payments that were made to the company that bought the XXXX  XXXX Account, XXXXXXXX XXXX XXXXXXXX! The XXXX credit bureaus are also not reporting that I have made a payment in XXXX of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-19 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: NY

Complaint narrative:
Debt Validation Letter for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NY XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Re : Account Number : XXXX XXXXAmount of Debt : $ XXXXDate of Debt : XX/XX/XXXX Dear XXXX XXXX, I am writing to request validation of the above-referenced debt. I do not acknowledge this debt and would like to see validation under the FDCPA. 
Please provide : 1. The name and address of the original creditor.

2. A detailed statement of how the amount was calculated.

3. Any agreements or contracts I allegedly signed.

4. Proof of your authority to collect debts in my state. 
Sincerely, 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 2024-10-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO

Complaint narrative:
XXXXXXXX XXXX XXXXXXXX XXXX for Bank of America N.A., account number ending : XXXX, wasn't supposed to pursue a lawsuit because they did not properly validate the debt by providing the requested information, which is a violation of my ( FDCPA ) rights. I requested by fax validation of debt on XX/XX/XXXX. 

Request production of documents through the court on XX/XX/XXXX, and the judge requested an additional 30 days on XX/XX/XXXX. XXXXXXXX XXXX XXXXXXXX told the court that paperwork was sent on XX/XX/XXXX. I still have not received their documents.

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 2024-10-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
I was scammed by someone who had a TD bank Account.

Transaction Type : WireTransfer If other, please specify : Transaction Amount : XXXX Transaction Date : XX/XX/year> Was the money sent? Yes Victim Bank Name : XXXX XXXX XXXX XXXX XXXX XXXX Victim Bank Address : XXXX XXXX XXXX. 
Victim Bank Address ( continued ) : Victim Bank Suite/Mail Stop : Victim Bank City : XXXX XXXX Victim Bank Country : United States of America Victim Bank State : California Victim Bank Zip Code/Route : XXXX Victim Name on Account : XXXX XXXX Victim Account Number : Recipient Bank Name : TD Bank Recipient Bank Address : XXXX XXXX XXXX XXXX Recipient Bank Address ( continued ) : Recipient Bank Suite/Mail Stop : Recipient Bank City : XXXX Recipient Bank Country : United States of America Recipient Bank State : Illinois Recipient Bank Zip Code/Route : XXXX Recipient Name on Account : XXXX XXXX XXXX XXXX  Recipient Bank Routing Number : XXXX Recipient Account Number XXXX XXXX Recipient Bank XXXX XXXX :

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Advanced Resolution Services Inc.
State: MD

Complaint narrative:
I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : collection/Charge off : 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 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 explanation
Consumer complaint received 2024-10-19 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Rent Recovery Solutions
State: VA

Complaint narrative:
Upon recent review of reports furnished by XXXX, XXXX XXXX XXXX, I noticed an unfamiliar third party I have no business association with, in possession of my private, non-public financial information without my consent. 
On XX/XX/ a Certified CEASE & DESIST notice XXXX XXXX XXXX XXXX XXXX XXXX was delivered to RENT RECOVERY SOLUTIONS exercising my right privacy & to Cease all communication directly or indirectly through any mediums & pursuant to Financial Privacy RuleXXXX XXXXXXXX XXXX XXXX, section 6802 to Cease & Desist the unauthorized sharing, use & possession of private my non-public financial information within thirty days. 
RENT RECOVERY SOLUTIONS has not produced competent evidence of my authorized written consent to be in possession of my non-public information within thirty days. 
I obtained updated credit reports from XXXX XXXX XXXX XXXX RENT RECOVERY SOLUTIONS has continued communication & maintains unauthorized use & possession of private, my non-public financial information without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-19 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:
RE Account NumberXXXX XXXX XXXX XXXX XXXX XXXX, This letter is a formal complaint that you are reporting my nonpublic and personal information without my written consent. Please show me the proof you sent me giving me options on how I could opt out of sharing my nonpublic information and proof showing you gave me the option to not disclose my transaction history each month with a third party. 
The law states a consumer must give written consent to opt out of sharing their nonpublic information to the financial institution. I did this and you stated I did not have that right to opt out. It is a violation to report my transactions or experiences between you and I with a third party or consumer reporting agency without my written consent. It is the policy stated by Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers to insure the security and confidentiality of their customer records and information. This includes protecting against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer. 

I the consumer should have been given the opportunity, before such information was to be reported which gives me the option to direct you that such information should not be reported. I also should have been explained how I could exercise that nondisclosure option, which I was never advised. I have written multiple times, and you have continued to ignore my written request. 

Your failure to comply with the law and my written request has hurt my ability to obtain credit. Again, I am requesting to opt out of sharing my nonpublic information and for you to remove all my transaction history from all nonaffiliated third parties such as XXXX, XXXX, and Trans Union immediately. Otherwise, I will pursue legal actions for every month my nonpublic information has been reported which could be a fine of {$1000.00} per violation. 

Thank you for your immediate attention to this matter. 

XXXX XXXX XXXX, BENEFICIARY Without Recourse, All Rights Reserved

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 2024-10-19 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: TX

Complaint narrative:
RE Account Numbers XXXX XXXX XXXX XXXX XXXX, This letter is a formal complaint that you are reporting my nonpublic and personal information without my written consent. Please show me the proof you sent me giving me options on how I could opt out of sharing my nonpublic information and proof showing you gave me the option to not disclose my transaction history each month with a third party. 
The law states a consumer must give written consent to opt out of sharing their nonpublic information to the financial institution. I did this and you stated I did not have that right to opt out. It is a violation to report my transactions or experiences between you and I with a third party or consumer reporting agency without my written consent. It is the policy stated by Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers to insure the security and confidentiality of their customer records and information. This includes protecting against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer. 

I the consumer should have been given the opportunity, before such information was to be reported which gives me the option to direct you that such information should not be reported. I also should have been explained how I could exercise that nondisclosure option, which I was never advised. I have written multiple times, and you have continued to ignore my written request. 

Your failure to comply with the law and my written request has hurt my ability to obtain credit. Again, I am requesting to opt out of sharing my nonpublic information and for you to remove all my transaction history from all nonaffiliated third parties such as Experian, XXXX, and XXXX XXXX immediately. Otherwise, I will pursue legal actions for every month my nonpublic information has been reported which could be a fine of {$1000.00} per violation. 

Thank you for your immediate attention to this matter. 

XXXX XXXX XXXX, BENEFICIARY Without Recourse, All Rights Reserved

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 2024-10-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Management Holdings, LLC
State: AR

Complaint narrative:
Credit management company XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, PA XXXX XXXX I do not believe that this debt is mine, and I am requesting debt validation. Along with the original contract of this outstanding debt. 

{$1000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-19 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: ENCORE CAPITAL GROUP INC.
State: VA

Complaint narrative:
Upon recent review of reports furnished by XXXX, XXXX XXXX XXXX, I noticed an unfamiliar third-party MIDLAND CREDIT MANGEMENT I have no business association with, in possession of my private non-public financial information without my consent. 
On XX/XX/2024 a Certified CEASE & DESIST notice XXXX XXXX XXXX XXXX XXXX XXXX was delivered to MIDLAND CREDIT MANAGEMENT exercising my right to privacy & to Cease all communication directly or indirectly through any mediums & pursuant to Financial Privacy Rule/Gramm Leach Bliley Act, section 6802 to Cease & Desist the sharing unauthorized possession of my non-public information within thirty days.

MIDLAND CREDIT MGMT has not produced competent evidence of my authorized written consent to be in possession of & the sharing of my non-public information within thirty days. 
I obtained updated credit reports from XXXX XXXX XXXX XXXX MIDLAND CREDIT MGMT has continued communication through the above stated mediums & maintains unauthorized possession of my non-public information without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE
State: IL

Complaint narrative:
We are in the middle of a huge Identity Theft, Fraud, and Financial Exploitation case. We have contacted numerous credit cards companies to resolve these issues that have been properly reported with all departments. The are either never available to discuss the fraudulent charges, or do not communicate with us directly if they have a question. XXXXXXXX XXXX XXXX XXXX actually was dealing with a blocked number, and the phone number of the individual that we have our case against and they were removing charges off of my card. XXXXXXXX XXXXy refuses to send statements, but keeps trying to put me in collection. XXXX XXXX negatively impacted our credit scores by claiming they ran a credit check and took my available credit from {$13000.00} to {$250.00} with overdrafted my account. When did the victims become the ones that aren't being helped? Our credit scores have gone from the mid to XXXX XXXX 's to low XXXX 's in a couple of months. I don't know what to do with the credit card companies. They never ran a credit check. XXXX froze our socials. You can't pull that information, so why lie or do something to cause more harm to the victim in all of this. I am at a loss. The credit card companies are killing our credit score, and none of this is our fault. Any Assistance would be greatly appreciated.

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 2024-10-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: NV

Complaint narrative:
Order my credit report and notice a debt that does not belong to me. I contacted the company and advise to remove it according to 15. U.S.C. 1692C.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-19 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: United Credit and Collections Inc.
State: TX

Complaint narrative:
NOTICE FOR REQUEST OF INFORMATION AND NOTICE TO CEASE AND DESIST INTENT TO SUE AND I WILL SUE AFFIANT/BENEFICIARY : XXXX : XXXX. 
DEFENDANT : UNITED CREDIT & COLLECTIONS INC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : ALLEGED ORIGINAL CREDITOR : XXXX XXXX XXXX XXXX XXXX ORIGINAL CREDITOR ACCOUNT NUMBER : XXXX ALLEGED DEBT AMOUNT OR BALANCE {$390.00} CERTIFIED MAIL # XXXX XXXX XXXX XXXX XXXX XXXX DEAR XXXX UNITED CREDIT & COLLECTIONS DEBT COLLECTOR STOP VIOLATING THE FDCPA USC 1692D EXHIBIT A1 : I AM UNAWARE OF THIS ALLEGED DEBT I DIDNT HAVE THE OPPORTUNITY TO DISPUTE THIS ALLEGED DEBT I DIDNT RECEIVE PROPER NOTIFICATION IF IN FACT YOU BELIEVE IVE RECEIVED PROPER NOTIFICATION, PLEASE PROVIDE THE CERTIFIED MAIL WITH RETURN RECEIPT WITH MY WET SIGNATURE STATING THAT IVE RECEIVED IT. 
ACCORDANCE TO 15 USC 1681s-2 ( a ) ( 7 ) A ( i ) BUT THE CEASE & DESIST DOSENT INCLUDE YOU FROM RESPONDING TO THIS REQUEST. IF YOU CANT PROVIDE ME WITH THIS INFORMATION, PLEASE STOP HARRASSING THIS LIVING WOMAN I DIDNT GIVE CONSENT TO USE THIS NAME IN COMMERCE. SEND ONLY CERTIFIED MAIL WITH RETURN RECEIPT WITH MY SIGNATURE. PLEASE SEND DOCUMENTS FROM THE GRAND JURY AS WELL WHICH I ONLY RECOGNIZED COMMON LAW. 
EXHIBITA2 : I WAS MADE AWARE OF YOUR ATTEMPT TO COLLECT AND ALLEDGED DEBT AFTER I REVIEWED PUBLIC RECORDS. PLEASE BE THAT I HEREBY DISPUTE THE ABOVE-LISTED ALLEGED DEBT IN ITS ENTIRELY. YOU ARE ON NOTICE THAT YOU ARE UNLAWFULLY ATTEMPTING TO COLLECT THE ABOVE-LISTED ALLEGED DEBT. CEASE & DESIST ALL COLLECTION ACTIVITY, INCLUDING REPORTING TO CONSUMER REPORTING AGENCIES ( CRAs ) BUT THE CEASE & DESIST DOSENT INCLUDE YOU FROM RESPONDING TO THIS REQUEST ABOVE IN EXHIBIT A1 AND IT DOSENT INCLUDE YOU FROM DELETING ALLEGED DEBT FROM MY CONSUMER REPORT. THIS LETTER IS EVIDENCE PROVIDED VIA TO THE CONSUMER FINANCIAL PROTECTION BUREAU ( CFPB ). THE CFPB IS AUTHORZED TO FULLY INVESTIGATE THIS MATTER AND RECEIVE ANY INFORMATION RELATED TO THERTO. BE ADVISED, IF YOU FAIL TO COMPLY WITH THIS LETTER, I MAY TURN THE MATTER OVER TO A CONSUMER ATTORNEY ALSO YOU MAYBE SUED BY THE CFPB. FOR TREBLE DAMAGES SINCERELY, XXXX XXXX XXXX XXXX Living Woman UCC1-308 WITHOUT PREJUDICE BENEFICARY OF acct # XXXX XXXX XXXX NOT THE TRUSTEE

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-19 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — Frequent or repeated messages
Company: CL Holdings LLC
State: WI

Complaint narrative:
I recovered an old email address after all of my accounts were hacked by XXXX XXXX XXXX ( D.O.B XX/XX/year> ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) While I'm going through about a years worth of emails many of which are scams and malicious intended to further steal my data and identity, I see HUNDREDS of emails from XXXX XXXX XXXX XXXX XXXX ( current creditor of your original XXXX XXXX XXXX ( XXXX XXXX  ) account ). 
Ive asked multiple times for them to cease and desist. The emails continue regardless.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : Late Payment 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation