vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-04 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Radius Global Solutions LLC
State: NC

Complaint narrative:
To Whom It May Concern : I am writing to file a formal complaint against Radius Global Solutions, a debt collection agency, for attempting to collect a debt that I do not owe and for reporting inaccurate information to the credit bureaus.

I have recently received several letters from Radius Global Solutions attempting to collect a debt, which I have no knowledge of and do not believe I owe. Additionally, this collection has been reported on my credit report. I dispute this debt in its entirety and have requested verification of the debt ; however, no evidence or documentation has been provided that substantiates their claim.

The collection attempt appears to be based on a disputed or outdated debt that is years old and, therefore, may be time-barred under the statute of limitations in my state. Furthermore, I believe their actions are in violation of the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ), especially in regard to reporting this inaccurate debt to the credit bureaus.

Specifically, I am requesting that the CFPB investigate the following issues : The illegality of attempting to collect on a debt that I do not owe or have any knowledge of.

The inaccurate reporting of this alleged debt on my credit report.

The failure of Radius Global Solutions to provide proper debt verification upon request.

I respectfully request that this matter be investigated, and that any unfair or illegal collection practices be addressed. I also request that the disputed debt be removed from my credit report and that Radius Global Solutions cease all collection efforts related to this matter.

Thank you for your attention to this issue. Please confirm receipt of this complaint, and feel free to contact me if you need additional information. 
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 2025-01-04 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am filing a complaint against XXXX XXXX and Equifax due to their mishandling of a medical collection that appears on my credit report. This situation involves clear violations of federal laws that protect both my rights as a consumer and my medical privacy.

HIPAA Violation : XXXX XXXX appears to have obtained and used my medical information without my explicit consent or proper authorization, in violation of the Health Insurance Portability and Accountability Act ( HIPAA ).

HIPAA Privacy Rule Violation, contained in 45 CFR Parts 160, 162, and 164.

FDCPA Violation ( 15 U.S.C. 1692g ) : Required debt validation was not provided. Despite my written requests, XXXX XXXX has not provided sufficient documents to prove the validity of the debt. 

FCRA Violation ( 15 U.S.C. 1681s-2 ) : XXXX XXXX  reported this medical debt to the credit bureaus without verifying its accuracy. Additionally, they failed to adequately respond to my dispute filed through the credit bureaus, which is a violation of their obligation to ensure that the information reported is accurate and complete.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-04 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: EQUIFAX, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : Account Name : XXXX XXXX XXXX XXXX Account # : XXXX XXXX Account Name : XXXX XXXX Account # : XXXX XXXX Account Name : XXXX XXXX  Account # : XXXX XXXX Account Name : XXXX XXXX Account # : XXXX XXXX Account Name : XXXX Account # : XXXX XXXX Account Name : XXXX XXXX Account # : XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account Name : XXXX Account # XXXX XXXXXXXX Account Name : XXXX XXXX XXXX Account # : XXXX XXXXXXXX Account Name : XXXX XXXX XXXXXXXX Account # XXXX XXXX Has violated my rights I looked at my Equifax report on XX/XX/year>, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act, whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681i 5, they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information.

( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall : ( i ) promptly delete the item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation, and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAVALRY INVESTMENTS, LLC
State: IL

Complaint narrative:
Report XX/XX/year> from Cavalry Portfolio Services for {$9600.00} with these Original creditor XXXX XXXX I never applied for credit with XXXX I asked explained the situation to Cavalry Portfolio Services who continue to call me for payment I asked for a copy of the application I submitted to XXXX for the credit but no information has been sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-04 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
On XX/XX/XXXX, Bank of America rescinded a job offer for a Trade Application Support position after I successfully completed the interview process and onboarding steps. I was informed this decision was due to an internal flag in their system tied to the closure of my personal accounts several years ago. Despite multiple inquiries, Bank of America has consistently refused to disclose why the accounts, including a joint account with my wife, were closed, citing internal policies. The accounts were closed on XX/XX/XXXX. 

The flagged status appears to have unfairly impacted my ability to secure employment. Bank of Americas most recent response, received on XX/XX/XXXX, did not clarify how the flagged status affected the hiring decision or provide specific reasons for the account closures. This lack of transparency has caused significant financial hardship, professional setbacks, and emotional distress. 

I request that Bank of America provide : - A clear explanation of why my accounts were flagged and closed. 
- Clarification on why this flagged status impacted their hiring decision. 
- Assurance that such practices comply with applicable laws and policies.

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 2025-01-04 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: NY

Complaint narrative:
My credit score dropped XXXX points in 3 days with Equifax. I called them for a reason why and the said I needed to call XXXX XXXX as I charged {$93.00} on my account that has a {$8000.00} limit. I called XXXX XXXX and they said they have XXXX issues with my account and thanked me for always paying on time. I called back Equifax and told them what XXXX said and they had no answer, just to wait a month and it should rebound. {$93.00} dollars drops a credit report XXXX points with no answer as to why. I take my credit score very seriously and am proud of mine. This is way too much power to give an agency that basically can ruin you without justification

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo authorized a series of Visa debit transactions to XXXX without my consent ( {$9500.00} total ). They blocked it when I discovered it, but refused to refund the stolen money. The card was in my possession, and I did not authorize these charges. Visa also has a full refund policy Wells Fargo refused to honor. They said I would have to complain to XXXX, but it was Wells Fargo who took my money. 

They said " there was no indication of fraud, '' but I told them the charges were not me, and the card was in my possession, so XXXX could not have run the chip. Wells Fargo said it was authorized by " face recognition, '' but I never approved that, and doubt it's true. 

The customer service rep was also rude and evasive, and refused to give his full name. His first name was XXXX. 

The following are the " post transaction '' dates of and amounts of the fraudulent transactions, all said to be with 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I first reported the fraud to Wells Fargo on XXXX  by disputing a charge on my app and calling them. On XX/XX/year> I received an alert in my app stating " We've completed your claim. '' On XX/XX/scrub>XXXX  I had a lengthy telephone conversation with Wells Fargo customer service, described above. They refused to help. 

Also, on XXXXXX/XX/year>, I did receive a credit for just {$170.00} ( return " authorized '' XXXXXX/XX/year> ). Wells Fargo refuses to refund the other charges. 

So Wells Fargo owes me {$9300.00}.

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 2025-01-04 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:
According to my credit report, my credit and personal information was shared during a data breach in XXXX 2024. I am filing this complaint under the 15 USC 1681 law that protects my privacy.

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 2025-01-04 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:
According to my credit report, my credit and personal information was shared during a data breach in XXXX 2024. I am filing this complaint under the 15 USC 1681 law that protects my privacy.

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 2025-01-04 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: NY

Complaint narrative:
I request you provide me with proof of this alleged payment being late. If unable to provide or lacking proof of this payment being late, update payment history to paid as agreed never late ( PAANL ).

Please provide detailed description of all procedures used in your process to determine complete accuracy of information reported.

Once you have finished your investigations, send me an updated credit report to the address stated above. Thank you.

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 2025-01-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: DISCOVER BANK
State: IL

Complaint narrative:
XXXX XXXX Subject : Request for Account Information - Date of First Delinquency, Date of Last Payment, and Charge-Off Date Dear Sir/Madam, I am writing to request specific information regarding an account reported as charged off on my consumer report. The account in question is listed under XXXX XXXX XXXX and is associated with your institution. In order to properly understand the account 's history, I would like to request the following details : 1. Date of First Delinquency 2. Date of Last Payment 3. Date of Charge-Off I am requesting this information to ensure the accuracy of the reporting on my credit file, as this data is crucial for resolving any discrepancies or to assess the status of the account. 
Please provide me with this information as soon as possible. I am also requesting that if there are any inaccuracies in the reporting of this account, they be promptly corrected. 
Thank you for your cooperation in this matter. I look forward to your response within the time frame stipulated by law. If you require any further information from me to process this request, please do not hesitate to contact me. 
Sincerely, XXXX XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Avant Holding Company, Inc.
State: IL

Complaint narrative:
XXXX XXXX Subject : Request for Account Information - Date of First Delinquency, Date of Last Payment, and Charge-Off Date Dear Sir/Madam, I am writing to request specific information regarding an account reported as charged off on my consumer report. The account in question is listed under XXXX XXXX XXXX  and is associated with your institution. In order to properly understand the account 's history, I would like to request the following details : 1. Date of First Delinquency 2. Date of Last Payment 3. Date of Charge-Off I am requesting this information to ensure the accuracy of the reporting on my credit file, as this data is crucial for resolving any discrepancies or to assess the status of the account. 
Please provide me with this information as soon as possible. I am also requesting that if there are any inaccuracies in the reporting of this account, they be promptly corrected. 
Thank you for your cooperation in this matter. I look forward to your response within the time frame stipulated by law. If you require any further information from me to process this request, please do not hesitate to contact me. 
Sincerely, XXXX XXXX XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Experian has charged my credit card XXXX plus times for a membership I did not create. I have tried canceling the membership online to no avail. I have tried numerous times to call Experian to cancel this membership to no avail. I have spoke. With my credit card company and they have to dispute the charges and Experian keeps making attempts to charge the card inspite of my repeated attempt to cancel this membership. I want this member never signed up for is canceled for good.

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 2025-01-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I recently reviewed a copy of credit report and noticed I had fraudulent accounts on my report. Please remove these fraudulent accounts off of my credit report, they are hurting my ability to obtain credit.

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 2025-01-04 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 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  Has violated my rights I looked at my Experian report on XX/XX/year>, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act, whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according

to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681i 5, they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information.

( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall : ( i ) promptly delete the item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation, and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-04 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: CAPITAL ONE FINANCIAL CORPORATION
State: OR

Complaint narrative:
A capital one account was opened. The debit card that was sent, was stolen twice in the month, while I was XXXX XXXX XXXX XXXX due to homelessness. I contacted capital one to alert them of the fraud and to request new cards, as well as for a charge back of the balance and credit limit. They hung up on me multiple times and closed my account without letting me know. They stopped my access from the XXXX and never sent another card, nor did they return the credited amounts. I reached out over the course of a couple months, to no avail. Eventually, every time I asked for the charge back, or any explanation of what was going on with the account, the reps hang up in my face.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I've been trying to understand why my credit applications keep getting turned down, and I was shocked to find out that my credit report contains numerous inaccuracies and false information. Dealing with these errors has been incredibly stressful and has had a significant impact on my mental 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 explanation
Consumer complaint received 2025-01-05 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Source Receivables Management LLC
State: OR

Complaint narrative:
I had previously filed a identity theft report to the FTC for XXXX XXXX from XX/XX/year> and XXXX XXXX removed it from my credit score due to it being identity theft, but now I have SOURCE RECEIVABLES MNG coming after me for the same thing which is still due to identity theft and not mine. That is not ok to have another collections company coming after me when I reported it and already had it resolved and messing up my credit score because of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Servicer under contract with Federal Student Aid
State: CA

Complaint narrative:
XXXX XXXX submitted application to certifiy employment and have my loans forgiven under PSLF . Also requested to have my loan put in forbearance while the application was processing. 

XXXX XXXX rejected due to incomplete application. They claimed a date was missing but the date is on the application. They also have not put my loans in forbearance.

Company response to consumer: Untimely response