vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-24 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Radius Global Solutions LLC
State: GA

Complaint narrative:
I don't recall receiving a debt validation notice within five days of this initial communication, as required by 12 CFR 1006.34, or the necessary validation information, including the name of the original creditor, the amount of the debt, and an itemization of the debt as required by 12 CFR 1006.34. I request that any negative information related to this alleged debt be removed from my credit report until the debt is properly validated, in accordance with 15 U.S.C. 1692g ( b ). I also request that Radius Global Solutioins comply with all provisions of the Fair Debt Collection Practices Act and Regulation F, including providing the required validation information and ceasing collection efforts until such validation is provided.

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 2024-10-24 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: PA

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

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 2024-10-24 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

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 2024-10-24 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: HI

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 : XXXX XXXX XXXX XXXX XXXX  Inquiry : XXXX  XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> Personal Information : Previous Address ( es ) : XXXX XXXX XXXX XXXX, HI XXXX XXXX Address ( es ) : XXXX XXXX XXXX XXXX, HI XXXX Also Known XXXX : XXXX, XXXX, XXXX Name 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 2024-10-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
please help me remove this that docent belong to me

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 2024-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
PLEASE UNDERSTAND MY SITUATION DURING THE HARDEST TIMES, WE ALL EXPERIENCE STUFFD DURING COVID. PLEASE GIVE ME MORE UNDERSTANDING

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 2024-10-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: North American Credit Services
State: MS

Complaint narrative:
COLLECTING ON A PAID DEBT. I DON'T OWE THEM A DEBT. THE DEBT IN QUESTION WAS " PAID '' IN FULL AT THE DOCTOR 'S OFFICE AND SHOULD NOT HAVE ANY COLLECTIONS. North American Credit Services mailed a letter about a debt for {$940.00} from a physical therapy office to which my bill at the office was actually {$470.00}. They would not validate the debt by giving ALL the information I asked for but only providing what little info the federal regulations requires of them. Therefore, FOR ME, it was not enough to determine legitimacy on a debt they claim I owe that I don't actually owe. They also have yet to address the " I DON'T OWE THIS DEBT ''. On XX/XX/year> I asked for no further contact in any method of contact. On XX/XX/year> I received another letter. I also do not owe this debt as it is a paid off charge at my doctor 's office. I do not have an account to take care of WITH THEM. They were informed I don't owe this debt. My {$470.00} bill was paid in full at my doctor 's office. NACS are aware of this but are still trying to collect the " debt '' that does not exist. That is my complaint. They are aware that I have no debt and no legal or moral obligation to pay them any money on a paid bill. Why are they collecting on a paid bill?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-24 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: IL

Complaint narrative:
After reviewing my credit report, I discovered accounts that I did not recognize or apply fo upon further investigation. I realized that my personal information was exposed in several data breaches as well. I have no recollection of applying for any of the accounts in question, and they are negatively impacting my credit. Per section XXXX XXXX XXXX, any fraudulent accounts that I did not authorize or signed a contract for must be removed off my credit report in 4 days! These fraudulent accounts are not only damaging my credit report but also causing me significant stress and anxiety. I have no connection to these accounts and urgently request their immediate removal to prevent any further harm to my financial well-being.

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 2024-10-24 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: T.S. Holdings
State: NC

Complaint narrative:
Account was paid in full on XX/XX/XXXX. 
Collector never closed the account on their own behalf. 
Account was closed after having to dispute the account VIA the FCRA which included documentation on the account in question and {$0.00} balance ledger. 
3 years later, the collections company has now reopened the previously paid/closed account on XX/XX/XXXX. 
The collector forced me to have to call my bank and the apartment complex to try and find any documentation to support my claim the account was in fact closed. because it had been so long since the account was paid neither were able to provide me with the necessary information. 
Luckily, I have an amazing wife that is always looking out for me and saved the original ledger received on XX/XX/XXXX which showed a {$0.00} owed balance. 
Had I not had this statement I would not have been able to dispute the claim of unpaid debt and would have owed an additional {$1800.00}. 
I am lucky that i found the document but i fear that many others out there may not be so lucky and end up in a hole of debt with false claims of unpaid debts. 
additionally this account is now affecting my credit history for a minimum of 3 weeks just to process the dispute and no guarantee as to when it will be taken off of my debt history. this impacts my ability to seek additional credit during the time I am in limbo with the collector and could cause hardship as I am in the middle of starting a small business.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-24 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: AL

Complaint narrative:
Dear ( Debt Collector ) I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor.

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
There was an alleged credit card opened in my name sometime in XXXX with XXXX XXXX and or XXXX XXXX. I got a collection notice in XXXX and disputed, requesting full account history to verify debt. Debt was sold off 3 times and is now with Resurgent capital services REF ID # XXXX. I have been in contact via website, phone & email for a year and a half. I asked for a full account history showing when this account was opened, all charges, fees, interest and payments made. Resurgent sends me a 1 page stmt with a closing date of XX/XX/XXXX showing a previous balance of {$500.00}, new late fee {$39.00} and new interest for {$11.00} for a total bal due of {$550.00}. This account is not mine. They can not provide me with a full account history. I have asked and disputed several times. I contacted XXXX XXXX XXXX and they stated teh debt is to old to pull an accounting history and they could not provide it either. Resurgent is reporting this as a newer debt on my credit file as of XX/XX/XXXX. Based on the 1 page acct stmt they send me, this account was opened either in XXXX or XXXX. They are not reporting hte original creditor or the original dates on my credit file. I never had an account with XXXX XXXX XXXXXXXX. I want a full account history to verify this debt, not just a 1 page stmt telling me that there is a previous balance of {$500.00} and your new balance is {$550.00} with a credit limit of {$300.00} and a stmt closing date from over 3 years ago- XX/XX/XXXX. I disputed many times. Please remove this from my credit file. This debit has not been verified, I have no idea what it is, when or how it was opened, what was charged to the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I saw XXXX XXXX  on my credit report. I have never went to this school. 
loan date XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. This is on my credit multiple times. 

15usc 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate 15usc 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 conviction of crimes which antedates the report by more than seven years

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 2024-10-24 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: GA

Complaint narrative:
I saw XXXX XXXX  on my credit report. I have never went to this school. 
loan date XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. This is on my credit multiple times. 

15usc 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate 15usc 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 conviction of crimes which antedates the report by more than seven years

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-24 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: GA

Complaint narrative:
I saw XXXX XXXX  on my credit report. I have never went to this school. 
loan date XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. This is on my credit multiple times. 

15usc 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate 15usc 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 conviction of crimes which antedates the report by more than seven years

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 2024-10-24 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: IL

Complaint narrative:
Hi recently i looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. Its my understanding that the credit bureaus will investigate this account for me to ensure accuracy here is the account Im asking you to verify as accurate this its the account name XXXX XXXX XXXX account number XXXX and XXXX XXXX accounts XXXX its for {$16000.00} and the other XXXX its $ {$12000.00} thank you very much

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 2024-10-24 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: IL

Complaint narrative:
Hi recently i looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. Its my understanding that the credit bureaus will investigate this account for me to ensure accuracy here is the account Im asking you to verify as accurate this its the account name XXXX XXXX XXXX account number XXXX and XXXX XXXX accounts XXXX its for {$16000.00} and the other XXXX its $ {$12000.00} thank you very much

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
These attached accounts have been disputed XXXX and this has yet to be resolved, please resolve this matter. 


XXXX XXXX - XXXX XXXXThis account is positive and has been disputed multiple times. XXXX has yet to update. 
XXXX  XXXX - XXXX account was opened XX/XX/XXXX, this account is well over 7 years reporting this is a violation. 
XXXX XXXX - XXXX Account legally paid in full for less than the full balance. Account legally paid in full for less than the full balance. 
XXXX XXXX - XXXX account was opened XX/XX/XXXX, this account is well over 7 years reporting this is a violation. 
XXXX XXXX - XXXX well over 7 years reporting. 
XXXX - XXXX Account reporting well over 7 years. 
XXXX - XXXX account reporting inaccurate. 
XXXX - XXXX reporting inaccurate. 
The following inquiries : These inquiries are unknown and have been disputed multiple times, XXXX XXXX XXXX XXXX unknown XXXX unknown

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 2024-10-24 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: CA

Complaint narrative:
These attached accounts have been disputed XXXX and this has yet to be resolved, please resolve this matter. 


XXXX XXXX - XXXX XXXX account is positive and has been disputed multiple times. XXXX has yet to update. 
XXXX  XXXX - XXXX account was opened XX/XX/XXXX, this account is well over 7 years reporting this is a violation. 
XXXX XXXX - XXXX Account legally paid in full for less than the full balance. Account legally paid in full for less than the full balance. 
XXXX XXXX - XXXX account was opened XX/XX/XXXX, this account is well over 7 years reporting this is a violation. 
XXXX XXXX - XXXX well over 7 years reporting. 
XXXX - XXXX Account reporting well over 7 years. 
XXXX - XXXX account reporting inaccurate. 
XXXX - XXXX reporting inaccurate. 
The following inquiries : These inquiries are unknown and have been disputed multiple times, XXXX XXXX XXXX  XXXX unknown XXXX unknown

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 2024-10-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Betterment LLC
State: MD

Complaint narrative:
On XX/XX/year> I purchased XXXX tires from XXXX for {$410.00} including tax and installation fee. When I arrived for my appointment on XX/XX/XXXX I was informed that the tires I had ordered online were the wrong size for my wheels and I would need to get a different set of tires, in store the clerk cancelled the transaction and I was told I would receive a full refund. I bought XXXX new tires and paid a seperate installation fee for them in store. XXXX only refunded me {$270.00} so I contacted XXXX support and was told I would receive the rest of the refund, this never happened, I contacted them twice more, the second time I was told I would receive the rest of the refund and never did, the final time they refused to refund me. 

So I contacted my bank, Betterment to file a dispute with them at the end of XXXX, I gave them all of the above information and I received a temporary credit for {$110.00} on XX/XX/XXXX. I later received a letter from Betterment informing me my dispute had been denied because I originally authorized the transaction and the transaction was not fraudulent, attached to this letter was evidence from XXXX that I was the person who did the transaction. 

I contacted them again and was told that despite asking to file the original dispute as a billing dispute rather than a fraud claim my dispute was filed as a fraud claim and because the transaction was not fraudulent it was denied. The person on the phone told me they would escalate my dispute to have it re-evaluated as a billing dispute but I then received another letter informing me that the claim would not be re-evaluated as they thought it was fully resolved. I also sent in a letter to them as a reply to the letter informing me my claim was denied with the above narrative about what happened.

Company response to consumer: Closed with explanation