vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-08 00:00:00
Product: Credit reporting, credit repair services, 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: FL

Complaint narrative:
I am having a serious problem with Experian. I disputed with Experian that the XXXX  XXXX XXXX account number XXXX was not reporting accurately on my credit report. They then sent me a credit report stating that this account went into a charged off status in XXXX XXXXand I disputed that. Today XX/XX/XXXX I got an email that they had updated my account and that the account went into a charged off status in XX/XX/XXXX and this is false as we were disputing this account before XX/XX/XXXX. Once again no investigation was done on the matter but Experian only placed what it wants to place on the credit report. I submitted to Experian for there method of verification as it pertains to this account and they got my request on XX/XX/XXXX and to this date almost 2 months later they have failed to provide me with the method of verification which is my right under the Fair Credit Reporting ACT but is just telling me that the account is been reported accurately and this is a clear FCRA violation. 
On the credit report there is no payment information listed on my credit report between the periods of XX/XX/XXXX and XX/XX/XXXX. So, where is that information? How can we know if this account ever went into a charged off status without that information. The account is been reported as paid in full so when was that payment made and why is not listed on the account payment information? The account and payment information is missing, incomplete and inaccurate and the Fair Credit Reporting Act states that if information on a credit report is missing and incomplete then the item should be deleted from the credit report.

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 2021-09-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
On XX/XX/2021 I mailed an envelope containing a completed FTC Identity theft report, letter stating I am victim of identity theft also outlining the incorrect information, copy of social security number and copy of driver 's license. I sent these letters to XXXX, Equifax and XXXX through certified mail. Tracking # XXXX XXXX XXXX XXXX XXXX for XXXX. XXXX XXXX XXXX XXXX XXXX for Equifax. Tracking # XXXX XXXX XXXX XXXX XXXX. They were delivered XX/XX/2021. The incorrect item on my credit report is a late payment by XXXX XXXX and a fraudulent account from XXXX XXXX. The date is XX/XX/2021 and the fraudulent item is still on my account and the late payment has not been correct. Per sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. The account should have been blocked no later then 4 business days from XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: PA

Complaint narrative:
i recently sent a letter to the SOUTHWEST CREDIT SYSTEMS and in That letter i clearly demanded to see and receive copies of the purchase agreement for the alledged debt, and the relationship documents with my wet signature of consent that allowed a third party to buy the debt ( Debt validation was never sent nor received ) and ive yet to get a response from them but they continue to harrass me phone calls with no proof of validation to collect on the debt. And if they have anything with my signature on it, than they are now beyond the allowed 30 day grace period to inform me that they obtained the debt which is a violation of the FCRA, IN ADDITION I clearly stated my request for them not to contact me by phone, at home or work or anywhere else. This letter was sent via certified mail with return receipt, which I have proof of. Since you have continued to call me after receiving that letter, you are now in violation of the FDCPA which I assume you know very well. And they continue to harrass me with phone calls and collections notices of debt that do not belong to me and if they continue to pursue reporting on my credit report than i would like to take legal action as soon as possible.thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Radius Global Solutions LLC
State: NV

Complaint narrative:
I received a letter from Radius Global Solutions stating that they are collecting a debt for XXXX XXXX. I sent them a letter on XX/XX/2021 asking for the following within 30 days : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 
2. What is your authorization of law for your collection of information?

3. What is your authorization of law for your collection of this alleged debt?

4. Please evidence your authorization to do business or operate in this state.

5. Please evidence proof of the alleged debt, including other instrument bearing my signature. 
6. Please provide a complete account history, including any charges added for collection activity. 

It has been over 30 days and this item is still being reported on my credit report without any substantiation from Radius Global.

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 2021-09-08 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: GENTRY FINANCE CORPORATION
State: UT

Complaint narrative:
I took out a loan about 2 month ago my hours at work have been cut and I asked them to hold off on contacting me until I could get paid, they have called my work 4 time and today was the last call to the employer and 3 time in the past 2 weeks, my boss at work has told them to stop calling and the company has no time to be answering call for employees that owe debt, I have asked them for the fourth time to stop contacting me but there has been 3 call a day and at least once a week to my employer. They are also ver rude and very unprofessional when calling I did call saying they will sue me and garnish my wages if I dont pay to me thats threading gentry finance could do much better

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
i recently sent a letter to the MIDLAND FUNDING and in That letter i clearly demanded to see and receive copies of the purchase agreement FROM THE ORIGINAL CREDITOR ( XXXX XXXX XXXX ) for the alledged debt, and the relationship documents with my wet signature of consent that allowed a third party to buy the debt ( Debt validation was never sent nor received ) and ive yet to get a response from them but they continue to harrass me phone calls with no proof of validation to collect on the debt. And if they have anything with my signature on it, than they are now beyond the allowed 30 day grace period to inform me that they obtained the debt which is a violation of the FCRA, IN ADDITION I clearly stated my request for them not to contact me by phone, at home or work or anywhere else. This letter was sent via certified mail with return receipt, which I have proof of. Since you have continued to call me after receiving that letter, you are now in violation of the FDCPA which I assume you know very well. And they continue to harrass me with phone calls and collections notices of debt that do not belong to me and if they continue to pursue reporting on my credit report than i would like to take legal action as soon as possible.thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-08 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Southwest Credit Systems, L.P.
State: VA

Complaint narrative:
I have been repeatedly contacted by Southwest Credit ( XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX ). They call me twice a day on most days, always from different numbers. When I answered their first call over a year ago, I asked them to prove I owed the debt, and they told me to call XXXX. So, they can't even prove to me that it's valid. I did not know that I could dispute it. It is affecting my credit and it needs to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
i recently sent a letter to the LVNV FUNDING LLC and in That letter i clearly demanded to see and receive copies of the purchase agreement FROM THE ORIGINAL CREDITOR ( XXXX  XXXXXXXX XXXX XXXX ) for the alledged debt, and the relationship documents with my wet signature of consent that allowed a third party to buy the debt ( Debt validation was never sent nor received ) and ive yet to get a response from them but they continue to harrass me phone calls with no proof of validation to collect on the debt. And if they have anything with my signature on it, than they are now beyond the allowed 30 day grace period to inform me that they obtained the debt which is a violation of the FCRA, IN ADDITION I clearly stated my request for them not to contact me by phone, at home or work or anywhere else. This letter was sent via certified mail with return receipt, which I have proof of. Since you have continued to call me after receiving that letter, you are now in violation of the FDCPA which I assume you know very well. And they continue to harrass me with phone calls and collections notices of debt that do not belong to me and if they continue to pursue reporting on my credit report than i would like to take legal action as soon as possible.thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: TX

Complaint narrative:
We dropped a vehicle off at a repair shop. The employee who took the car in did not say anything in writing or verbally about a diagnostic fee. When we picked the car up the shop added {$75.00} to the bill for a diagnostic fee. This came as a total surprise as it was not disclosed. The owner refused to remove the charge from my invoice so I disputed the charge through Discover Card. The merchant provided an invoice and statement that effectively said their terms and conditions provide for a diagnostic fee, so Discover disallowed my dispute on XX/XX/2021. I disagree with Discover 's decision because the merchant did not provide documentation to prove that they disclosed the fee to me. General terms and conditions that were not provided is not proof that the charge is valid. The charge is invalid because it wasn't disclosed before the work was done and we didn't have an opportunity to decline it and take our vehicle to a different shop that doesn't impose such fees. The burden should not be on me to know every detail of this businesses terms and conditions when their terms weren't made available or disclosed when we dropped off the vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CAVALRY INVESTMENTS, LLC
State: FL

Complaint narrative:
I have been abused and deceived with the use of unfair debt collection practices, where my right to privacy has been breached. CAVALRY SPV I LLC/CAVALRY PORTFOLIO SERVICES , has caused injuries to me by violating the Fair Debt Collection Practice Act, that was set into place to protect the consumer from such abuse. On XX/XX/2021, CAVALRY SPV I LLC/CAVALRY PORTFOLIO SERVICES violated 15 USC 1692i ( b ) by filing suit against me, the consumer. Pursuant to 15 USC 1692i ( b ) Debt collectors is not authorize to bring forth any legal action against the natural person ; the consumer. CAVALRY SPV I LLC/CAVALRY PORTFOLIO SERVICES violated 15 USC 1692c ( b ) by using representation of an attorney in connection with the collection of the debt. On XX/XX/2021, I received 2 phone calls from my front gate at around XXXXXXXX XXXX that woke my wife and myself up, but I did not answer because I was not expecting anyone at my residence so early in the morning. My wifes phone began to ring from the gate right after, she did not answer as well. Around XXXXXXXX XXXX I heard an obnoxiously loud banging on my front door, in which frightened my wife and I, also woke up my two young kids. My wife opened the door and was given papers stating I have a notice to appear in court. CAVALRY SPV I LLC/CAVALRY PORTFOLIO SERVICES violated 15 USC 1692c ( a ) ( 1 ) by the issuance of a SUMMONS/ NOTICE TO APPEAR FOR PRETRIAL CONFERENCE without the prior consent of me, the consumer, given directly to them, at an unusual time and place which known to be inconvenient to me the consumer. CAVALRY SPV I LLC/CAVALRY PORTFOLIO SERVICES violated 15 USC 1692e ( 13 ) by issuance of documents titled SUMMONS/ NOTICE TO APPEAR FOR PRETRIAL CONFERENCE and COMPLAINT FOR DAMAGES are both false representations and implications of legal process. On XX/XX/2021, Ive requested for CAVALRY SPV I LLC/CAVALRY PORTFOLIO SERVICES to provide me with competent evidence to verify that I have a legal obligation to them, but have not received anything. I will attach all documents used to resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I have filed a dispute in regards to incorrect items on my credit report. It has been well over thirty days and I have not received any investigation results.

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 2021-09-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bonneville Billing and Collections
State: ID

Complaint narrative:
I do not own any debt so this call I received is on false pretenses. I do not wish to receive anymore calls about debt that I do not have.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: LJ Ross Associates
State: CA

Complaint narrative:
I created an account to monitor my credit and see a collection from LJ ROSS still reporting, which has dropped my scores significantly. I addressed this collection with the understanding it was going to be deleted from the credit bureaus, which I see it was not. My frustration with this collection is that I was never advised I had the ability to dispute the collection. Due to this, I did not obtain the full statutory period in which to dispute the validity of this debt in question as I did not receive any notifications of this option. I would like this collection removed from my credit due to erroneous collection practices. 



Thank you, XXXX XXXX XXXX

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc.
State: PA

Complaint narrative:
i recently sent a letter to the I.C. SYSTEM, INC and in That letter i clearly demanded to see and receive copies of the purchase agreement FROM THE ORIGINAL CREDITOR ( XXXX XXXX XXXX ) for the alledged debt, and the relationship documents with my wet signature of consent that allowed a third party to buy the debt ( Debt validation was never sent nor received ) and ive yet to get a response from them but they continue to harrass me phone calls with no proof of validation to collect on the debt. And if they have anything with my signature on it, than they are now beyond the allowed 30 day grace period to inform me that they obtained the debt which is a violation of the FCRA, IN ADDITION I clearly stated my request for them not to contact me by phone, at home or work or anywhere else. This letter was sent via certified mail with return receipt, which I have proof of. Since you have continued to call me after receiving that letter, you are now in violation of the FDCPA which I assume you know very well. And they continue to harrass me with phone calls and collections notices of debt that do not belong to me and if they continue to pursue reporting on my credit report than i would like to take legal action as soon as possible.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 2021-09-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I show a bankruptcy on my XXXX, TransUnion and XXXX credit report. US BANKRUPTCY COURT XXXX  MISSISSIPPI/ Reference # XXXX. I have contacted the court and their response is attached. I also contacted each credit bureau to determine how they were provided with this information and their response was from the courts. I went on to contact XXXX  as well as XXXX XXXX and both responses are attached as well. It is clear they do not report to you or any credit bureau for that matter ; therefore the item with the court was either an error or a lie. Either way, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 1681I ) and the information must be deleted immediately.

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 2021-09-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Identity Fraud occurred when mail was stolen from a business mailbox in XX/XX/2021. On XX/XX/2021, I was alerted by a detective that a suspect was taken into custody with a counterfeit California Driver 's license in my name, address, and DOB. On her person was {$3500.00} cash and $ XXXX.Cashier 's check and withdrawal slip from my personal checking account. In addition, there was a debit card for XXXX, and a form with my own personal information. On XX/XX/XXXX, I placed freezes and security alerts on XXXX, Equifax, and XXXX, and disputed the many inquiries that has been recently made on my credit profiles. The suspects were released after two weeks. On XX/XX/XXXX, a MailDump in the City of XXXX XXXX turned up a new account opened at XXXX in XXXX XXXX in my name. Again, I investigated into my credit bureau accounts, and found that there had been more inquiries into XXXX and Equifax. On XX/XX/XXXX, the suspects gained access into XXXX and Equifax and unfroze my accounts. There were apartment rental applications, retail credit cards, and attempted automobile purchases through XXXX and XXXX XXXX XXXX. I called Equifax, and found that the email on file was updated by the thieves to bypass any communication to me directly. The credit report from XXXX on XX/XX/XXXX compared to the summary dated XX/XX/XXXX, showed another telephone number added to my profile. I was able to unfreeze my own Equifax account simply by using the automated system that inputs the information that was stolen by the identity thieves. There was no password on PIN required. These credit bureaus claim to protect the consumer, but it is a false security. Using personal information that was compromised, Criminals gained access to exactly the information that should have been protected the most.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE
State: SC

Complaint narrative:
On XX/XX/23 I had some charges from XXXX I needed to dispute. So I disputed them all from that day but a charge for {$99.00} and {$49.00} somehow didnt get included in the initial dispute. So I called a few days later. The person I spoke to said they added those two disputes. Few days later still on there. I called. They said we are updating our systems and call back in a hour and they hung up. I called back a few days later and they said same thing but would be 1-2 days until they could take my call and they hung up. After that I called they AGAIN added those two disputes or so they said. I dont get how everything was that day from same place but its so hard for them credit me back {$99.00} and {$49.00}. I then saw I havnt been credited back so I called once again. The gentleman I spoke to kept getting the dispute amount wrong and kept putting me on hold. So after 30 mins going back and forth my call got disconnected. It shouldnt be this hard to get credit back since I was credited back everything else.

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 monetary relief