vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-12 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Radius Global Solutions LLC
State: IN

Complaint narrative:
I have recently pulled my credit report and noticed a collection listing from your agency. I have never been notified of this collection action or that I owed the debt. 
This letter is to inform you that I have the right to request a validation of this debt and your ability to collect this money from me. I ask that you prove that I am indeed the party who is contractually bound to pay off this debt or stop collection activity and remove it altogether. 

Please attach copies of the following document : Agreement that you have authority to collect on this alleged debt. 
Agreement that bears signature of the alleged debtor with promises to pay the original creditor. 
Complete payment history on this account, to prove that the amount you wish to collect is correct. 
I hope your legal staff will agree that noncompliance with this request will result in serious legal trouble for your company.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-12 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 AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION XXXX SECTION XXXX. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-12 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 AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION XXXX SECTION XXXX. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-12 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: NY

Complaint narrative:
On XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was opened which exceeded its {$300.00} limit with a total charge of {$530.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-12 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: NY

Complaint narrative:
On XX/XX/2023 a XXXX XXXX Bank XXXX Credit Card was opened which exceeded its {$300.00} limit with a total charge of {$530.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-12 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: FL

Complaint narrative:
I respectfully request that these false accounts be deleted from my credit report as I never authorized their inclusion there. You need to remove this incorrect information from my files right away. Kindly remove and block.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-12 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or misleading advertising or marketing — 
Company: FREEDOM FINANCIAL NETWORK
State: NY

Complaint narrative:
Freedom Debt Relief -- Keep changing expected graduation date and changing your enrolled debt amount when you call and make a complaint adding XXXX XXXX XXXX more in payments and Fees and when I make an inquiry it gets worst more fees added to my account and my Graduation date and enrolled date changes- making me liable for thousands in more monthly payments-Thanks in XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-12 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: NY

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section XXXX of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: OK

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ok XXXX XXXX XXXX XX/XX/year> LVNV FUNDING LLC XXXX XXXX XXXX XXXX, SC XXXX Re : XXXX Dear LVNV FUNDING LLC, I am writing to request validation of the debt referenced above, as provided under 15 U.S.C. 1692g of the Fair Debt Collection Practices Act ( FDCPA ). I dispute the validity of this debt and request that you provide the following information : XXXX of the Debt : A detailed statement showing the amount of the debt and an explanation of how the amount was calculated. 
XXXX XXXX : The name and address of the original creditor, as well as any records or documentation pertaining to this debt. 
Proof of Ownership : A copy of the original signed agreement or contract that substantiates this debt. 
Please be advised that, according to the FDCPA, you must cease all collection activities until this information is provided. Furthermore, please ensure that any negative information reported to credit bureaus regarding this debt is updated to reflect this dispute until proper verification is received. 

Please send the requested documentation to my address listed above. If you are unable to provide verification of this debt, please confirm in writing that this debt is invalid and that you will cease all collection activities. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-12 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:
The line of credit that was extended to me between the consumer, XXXX XXXX XXXX and XXXX XXXX XXXX XXXX, XXXX clearly states that the report of transactions or experiences between the consumer and XXXX XXXX XXXX XXXX is not included on the consumer report, you have violated 15 USC 1681a ( 2 ) a1. By reporting this transaction, you have ten ( 10 ) calendar days to update my utilization to five percent ( 5 % ) or below or delete all utilization from the account listed below : XXXXXXXX XXXX XXXX XXXX XXXX Account Number : XXXX Faulire to respond satisfactory with deletion of the above utilization will result in legal action being taken against your company for which I will also be seeking XXXX XXXX XXXX XXXX ( {$1000.00} ) per violation, deformation of character, negligent non-compliance, civil liability, XXXX  XXXX  on the Fair Credit Reporting Act, ( FCRA ), 15 USC 1681 for violations under willful non-compliance section 616 civil liability 4 will fold on compliance 15 USC 1681n. 

Thank you, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
Dear CFPB, I am writing to file a complaint against Capital One regarding their continued failure to update or remove an incorrect email address associated with my account. This email address is particularly concerning because it belongs to a company I no longer work for, and it is still actively monitored by other individuals due to my former position within that company. As a result, any emails sent to that address are forwarded to other personnel, compromising the privacy and security of my sensitive financial information. 

I initially notified Capital One of this issue on XX/XX/year>, and I have made several follow-up calls on XX/XX/year>, XX/XX/year>, and most recently on XX/XX/year>. On XX/XX/year>, and XX/XX/year>, I spoke with supervisors who escalated the matter to the technical team, but the issue remains unresolved. On XX/XX/year>, the XXXX Department verified that there are no old accounts tied to the outdated email address, which was initially given as the reason for being unable to remove it. Despite this, I am still receiving account-related emails to the compromised address, including today, after my latest attempt to resolve the issue. 

Given that I hold XXXX credit cards and an XXXX  loan with Capital One, the continued use of an email address that is no longer under my control raises serious concerns about the protection of my personal and financial information. This situation may constitute a violation of privacy laws, including the Gramm-Leach-Bliley Act ( GLBA ) and Fair Credit Reporting Act ( FCRA ). 

I respectfully request that the CFPB investigates this matter to ensure that Capital One resolves the issue promptly and protects my information as required by law. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
THIS ALLEGED DEBT IS BEING REPORTED ON ALL 3 CREDIT BUREAUS. I NEVER RECEIVED A NOTICE THAT I COULD DIDPUTE THIS DEBT. WHEN I FOUND OUT IT WAS BEING REPORTED I IMMEDIATELY REQUESTED ALL SIGNED PURCHASE AGREEMENTS FROM RESURGENT/LVNV FUNDING AND FROM ALL 3 CREDIT BUREAUS BUT RECEIVED NOTHING. THIOS ALLEGED DEBT IS NOT VALID NOR HAS IT BEEN AUTHENTICATED BY RESURGENT/LVNV FUNDING WHO HAS FAILED TO SEND ME A NOTICE THAT I WAS ABLE TO DISPUITE THIS ALLEGED DEBT... AND NEVER PROVIDED ALL SIGNED PURCHASE AGREEMNTS FROM ORIGINAL CREDITOR

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-12 00:00:00
Product: Debt collection — Other debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Aldous & Associates, PLLC
State: TX

Complaint narrative:
I keep getting contact via email. the message is as follows. 

You have an outstanding balance with XXXX XXXX XXXX XXXX, There's no better time than now to start clearing your account. Your current balance stands at {$160.00}. 

Our user-friendly options make it easier than you think. 
VIEW PAYMENT PLANS Sincerely, Aldous & Associates THIS IS AN ATTEMPT TO COLLECT A DEBT : ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. THIS COMMUNICATION IS FROM A DEBT COLLECTOR. 

At this time, no attorney with this firm has personally reviewed the particular circumstances of your account. 

Go to cfpb.gov/debt-collection to learn more about your rights under federal law. 

VISIT XXXX XXXX XXXX XXXX XXXX XXXX XXXX FOR MORE INFORMATION. XXXX XXXX XXXX. 
Account Number : 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 Privacy Policy | State Disclosures | Unsubscribe Please do not reply to this email as this address is not monitored. 

CONFIDENTIALITY NOTICE : This electronic transmission ( and/or the documents accompanying it ) may contain confidential information belonging to the sender that is protected by the Electronic Communications Privacy Act, 18 U.S.C. Sections 2510 and 2521 and may be legally privileged. This message ( and any associated files ) is intended only for the use of the individual or entity to which it is addressed and may contain information that is confidential, subject to copyright or constitutes a trade secret. If you are not the intended recipient you are hereby notified that any dissemination, copying or distribution of this message, or files associated with this message, is strictly prohibited. If you have received this communication in error, please contact Aldous & Associates , PLLC immediately by telephone and destroy the original message. Messages sent to and from us may be monitored. 



I have tried emailing several times asking them to stop and even treathened to fine them but they have not stoppped.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-12 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: MD

Complaint narrative:
I received a {$1000.00} limit from XXXX XXXX XX/XX/XXXX XXXX interest for XXXX months, XXXX months later XX/XX/XXXX without any warning my credit limit was reduced to {$750.00} and closed ; which impacted my credit score by more than XXXX points. According to the promotion I had XXXX years to pay without interest, so I made minimum payments XXXX days early never later, no payment arrangements, or technical payment issues. Therefore, my account should never have been reduced and closed without warning. The company maliciously sabotaged my account with prejudice based on gerrymandering. I made the minimum payment amount offered, and never gave any indication, that I would not comply with the XXXX interest XXXX year promotion. On XX/XX/XXXX I paid the balance in full, and the promotion doesnt expire until XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-12 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: MD

Complaint narrative:
I received a {$1000.00} limit from XXXX XXXX XX/XX/XXXX XXXX interest for 24 months, 8 months later XX/XX/XXXX without any warning my credit limit was reduced to {$750.00} and closed ; which impacted my credit score by more than XXXX points. According to the promotion I had XXXX  years to pay without interest, so I made minimum payments XXXX days early never later, no payment arrangements, or technical payment issues. Therefore, my account should never have been reduced and closed without warning. The company maliciously sabotaged my account with prejudice based on XXXX I made the minimum payment amount offered, and never gave any indication, that I would not comply with the XXXX interest XXXX year promotion. On XX/XX/XXXX I paid the balance in full, and the promotion doesnt expire until XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-12 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: LA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-12 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: NJ

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-12 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Exeter Finance, LLC.
State: GA

Complaint narrative:
I opened this loan with Exeter finance in XXXX of XXXX. Total amount was XXXX. I volunteered repossession of the vehicle in XXXX. Exeter closed my account XXXX. Exeter stated I owed XXXX on a car I payed 4 years on that started out with XXXX balance. Did any of my payments go towards the car loan out of XXXX 4 years give or take. Exeter sells my debt XXXX XXXX XXXX XXXXXXXX has the debt date amount listed wrong on my credit report they have as if I opened the loan XXXX thats not accurate. Vehicle was sold I was told by Exeter finance after repossession. I dont have any information on how much the vehicle was sold for no proof. Debt went from XXXX to XXXX. Im not sure of any accuracy with this debt. The dates are incorrect and amounts. I lost this car during the pandemic due to loss of job. I feel this company bought this debt they need to provide accurate proof of the debt and provide accurate information to the credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-12 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:
Im deeply frustrated and disappointed by the ongoing neglect of my requests to correct the inaccuracies on my credit report. Despite my efforts to have these errors addressed, I feel as though my concerns have been completely disregarded, leaving my financial situation unfairly compromised.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-12 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:
My accounts was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

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