vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: IL

Complaint narrative:
Name : XXXX XXXX The company XXXX Radius Global Solutions LLC ) didn't respond to my request. I gave them 30 days to provide a validation of debt, but they failed to do so. They also haven't responded to any of my queries via email or calls. 

My sensitive private information is being shared without my permission. These companies are being very irresponsible with personal info of consumers. In this era, data breach and identity theft have become very common and it gives them all the more reason to be extra cautious. But they are failing to do so and they have violated my rights.

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 2024-08-25 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: PA

Complaint narrative:
I am submitting this communication to XXXXXXXX XXXX  regarding alledged account XXXX XXXX XXXX XXXXXXXX illegally REINSERTED violating the FCRA that is now reporting in the CLOSED section on my Equifax credit report as of today XX/XX/XXXX. 

Therefore, I am submitting this communication under the provisions of FCRA 623 ( a ) ( 8 ) ( E ). 

I submitted my dispute via CFPB # XXXX on XX/XX/XXXX and received a response via CFPB XXXX XXXX XX/XX/XXXX stating account was DELETED. See Screenshot Attached ). Why was this account Illegally REINSERTED and again reporting in the CLOSED section of my Equifax credit report again today XXXX. 
XXXXXXXX XXXX  has illegally REINSERTED this account and I will get a lawyer if this alledged account is not DELETED again immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-25 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: MN

Complaint narrative:
I Reviewed my Consumer Reports and noticed that I had five payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account XXXX XXXX XXXXXXXX Please investigate and provide Proof With statements showing that these payments were late, If proof can't be provided, I demand these payments be updated to on time as they should be as I was Never late. Thanks

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 2024-08-25 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: CA

Complaint narrative:
The debt collection company is COLUMBIA DEBT RECOVERY LLC DBA GENESIS. The alleged debt owed amount is XXXX. 

On XX/XX/year>, the collection company served the initial notice. 

On XX/XX/year>, I submitted a formal demand to the debt collector that all collection activity must be ceased immediately and requested proof of debt. 

On XX/XX/year>, the collection company sent over the debt validation, i.e. the summary of the move out charges but it fails to establish or validate the debt because the address on the summary of move out charges is not the unit I rented per the lease and it does not provide itemized invoices to substantiate the debt. I in turn informed and advised the collection company that the validation of debt it sent over failed to validate the debt. 

On XX/XX/year>, the collection company sent over further documents to validate the debt, i.e. the two invoices. However, the charges on the invoices do not match any charges on the summary of the move out charges that the debt collector sent over previously. 

On XX/XX/year>, I informed the collection company that it still failed to validate the debt. But the company collection has already reported this debt to the credit reporting company before it can validate the debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Collins Asset Group, LLC
State: GA

Complaint narrative:
Upon reviewing my consumer report I noticed Collins Asset Group was reporting a duplicate account from another lender ( XXXX XXXX ). Its a violation for two companies to try to collect on the same account. I never had an account with Collins group or never given anyone permission to sell or buy my personal information which is considered identity theft fraud. I previously requested the original purchase agreement to validate the alleged debt and to see if any and all of the information is accurate. I have not received the verification at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: Lennar Financial Services, LLC
State: NV

Complaint narrative:
I went to look at properties in XXXX, NV for a new family home, my XXXX XXXX XXXX couldn't accompany me. I let the consultant on duty, XXXX XXXX, know, who told me that it was fine, that my realtor was not present, but later in the purchasing process my realtor was not included. I Sign a XXXX for a Conventional loan with a rate of XXXX, for the property on XXXX XXXX XXXX XXXX. XXXX, NV. XXXX. Important calendar dates : 5 Day Right of Recission Expiration XX/XX/year>XXXX XXXX Day Mortgage Contingency XX/XX/year> Estimated Close of Escrow : XXXX On XX/XX/XXXX ( XXXX  days after the Right of Recission, I unable to cancel ), I was notified regarding the foreclosure on my credit that nobody mentioned to me. I was not notified previously in XXXX when my credit was run by XXXX XXXX. Therefore, my XXXX XXXX was denied but I have not been provided a denial letter for the conventional loan. XXXXXXXX XXXX did not return my deposit nor denial letter for the conventional loan because there is an option of an FHA loan, which is not the original agreement. I have tried to negotiate on many occasions to be supported with the closing costs to mitigate the additional FHA payments that are not within my budget such as : the FHA fee of {$8200.00}, Mortgage Insurance per month {$190.00}. Ultimately, causing an increase in monthly home insurance and property taxes that will be in escrow with impounds ( additional {$290.00} dollars per month ). Many questions were left unanswered such as : a ) Official letter mentioning the previous credits were not possible. b ) In the case where the property is purchased. In XXXX years if I refinance with XXXXXXXX XXXX, could there be a waiver for the closing costs and fees for the transaction? For the reasons previously mentioned, I will move forward and cancel this contract, for XXXX XXXX XXXX XXXX. XXXX, NV. XXXX ; unless there are reconsiderations and a renegotiation that mitigates the changes from the FHA loan, i.e. closing costs. I also request my denial letter of the XXXX XXXX and the return of my deposit for XXXX dollars

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 2024-08-25 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:
The company XXXX XXXX has unlawfully reported late transitions to the credit bureau XXXX that is affecting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-25 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: FL

Complaint narrative:
The company XXXX XXXX has unlawfully reported late transitions to the credit bureau XXXX that is affecting my 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 explanation
Consumer complaint received 2024-08-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: Synovus Bank
State: NC

Complaint narrative:
First Progress charged me illegal credit card interest when I was a Georgia resident and agreed to closed the balances and a XXXX balance instead that has reported the account as a charge off with multiple late payments. The agreed because of the error and the balance is years old that they would delete this inaccurate information l. They also said it put me in a bad situation right after bankruptcy. They have two negative accounts with balances.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I filed a claim with Wells Fargo, my bank, to report fraudulent charges totaling {$18000.00}. 

My money was stolen on XX/XX/year>2024 when I was XXXX  & robbed in XXXX, XXXX. I am attaching the evidence ( police report, hospital bill, email communications with XXXX 's Attorney General 's office etc. ) to the 'attach documents ' section. 

My parents ( who have access to my personal account ) filed the first claim on XX/XX/XXXX when they were made aware of what happened. I was still in the hospital at this time. 

I then filed the next claim via phone on my XXXX  account ( where most of my funds were stolen from ) on XX/XX/XXXX, after I arrived back in the US. 

Unfortunately I saw that Wells Fargo decided to deny all of my claims, saying they've determined that no fraud occurred. 

Obviously this is very unfair, incorrect and a violation of my trust in them as my bank and of their own 'zero liability protection ' policy.

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 2024-08-25 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: AL

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 : XXXXXXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXXXXXX has violated my rights. 
I looked at my XXXX credit report on XXXX XXXX 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 suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, 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 that 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 supposed 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 2024-08-25 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: AL

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 : XXXXXXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXXXXXX has violated my rights. 
I looked at my XXXX credit report on XXXX XXXX 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 suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, 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 that 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 supposed 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 2024-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
On XX/XX/year>, I discovered that my personal information had been part of a data breach. I decided to lock my credit file with the XXXX credit bureaus. I was able to do this for free with XXXX and XXXX. TransUnion demanded that I pay for their credit monitoring services. I complied even though I already pay for monitoring through XXXX. Once I signed up, I was barraged with e-mails daily seeking for me to purchase more services with them. What is worse is that every time I receive an e-mail from them that activity related to my personal information has been detected in the dark web, I am not able to access this information. Instead, I log in, and then I am directed to more products to purchase. XXXX, has never made me go through these hoops. They e-mail me, and I am able to see the information very easily. No ploys to direct me through a Byzantine and difficult website in order to coerce me into buying new products. I feel I have been scammed, when I am simply trying to protect myself. It is incredibly frustrating, and I feel the CFPB should be aware of their practices.

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 2024-08-25 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: KY

Complaint narrative:
Jefferson Capital Systems , LLC Attn : Customer Service Department XXXX XXXX XXXX XXXX. XXXX, MN XXXX Re : Cease and Desist Demand Dear Jefferson Capital Systems , LLC, I am writing to formally request that you immediately cease and desist from all communication and collection activities related to the alleged debt associated with my account. This request is made pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ) and any other applicable federal or state laws. 

Description of the Issue : Cease and Desist Request : I hereby demand that you : a. Immediately cease all forms of communication with me, including phone calls, letters, and emails, concerning this alleged debt. 

b. Cease all collection activities related to this account. 

c. Provide written confirmation within 30 days that you have complied with this request.

Consequences of Non-Compliance : Please be advised that if you do not comply with this cease and desist request, I will consider taking appropriate legal action to protect my rights. This may include filing a complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), or seeking legal remedies available under the FDCPA.

No Waiver of Rights : This letter does not constitute a waiver of any of my rights, claims, or defenses, all of which are expressly reserved.

I trust that you will handle this matter promptly and in accordance with the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
This letter is being sent to you in response to the phone conversation which took place on XX/XX/year> ( XX/XX/year> ) regarding account # XXXX Be advised this is not a refusal to pay, but a notice sent to pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested with evidence that I have any legal obligation to pay you, including the following documentation : XXXX. Agreement with the creditor that authorizes you to collect on this alleged debt. 

XXXX. The agreement bearing my signature stating that I ( XXXX XXXX ) have agreed to assume the debt. 

XXXX. Valid copies of the debt agreement stating the amount of the debt and interest charges. 

XXXX. Proof that the Statute of Limitations has not expired. 

XXXX. Complete payment history on this account along with an accounting of all additional charges being assessed XXXX. Proof that you are licensed to collect in the state of XXXX XXXX, and your license numbers and Registered Agent. 

At this time, I will also inform you that if your offices have reported invalidated information to any of the XXXX major credit bureaus ( XXXX, Experian, and XXXX ) this action May constitute fraud under both Federal and State Laws. 

Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your company for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character. 

If your office fails to reply to this debt validation letter within thirty ( 30 ) days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased. 

Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge. 

Sincerely, XXXX XXXX I got no response within the 30 days. I checked my credit report on XX/XX/year>, and this company has now placed a charge off in the amount of {$6500.00}. As of XX/XX/year>, my credit report is displaying this charge off. I have been disputing it with all three credit bureaus, Experian, XXXX, and XXXX. I've been disputing this with the bureaus for over three years. I never opened or signed for a XXXX credit card ending 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 2024-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

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.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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 convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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 2024-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

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.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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 convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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