vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: TX

Complaint narrative:
I have nothing in any kind of collection. They ask me to call them back at the number I am complaining about. This has happened twice in the coarse of a month. I want you shut them down. Along with numerous scam calls.

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 2022-02-21 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
To whom it may concern, I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible.

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 2022-02-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: RI

Complaint narrative:
Capital one at XXXX XXXX XXXX UT XXXX USA has been sending me collections notices in the amount of {$430.00}. The collection has been reported as pasted due balance.I do not know this company. I have never done any business with this company. This company does not a contract with my signature

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-21 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: ACIMA CREDIT, LLC
State: OH

Complaint narrative:
On XX/XX/XXXX, someone stole my identity and used it to apply for credit with ACIMA. The credit request was approved by ACIMA for credit in the amount of {$5000.00}. ACIMA failed to verify by true identity using my address from the soft pull of my credit report. In fact, no letter was even sent to my physical address stating that the account was opened or that credit was approved. Instead, ACIMA prides itself on being a paperless company and as a result, never sent any documentation to my home address. Rather, ACIMA relied solely on the email address provided by the fraudster on the fraudulent credit application and, upon information and belief, sent all verification and loan documentation via email to that address. 

On XX/XX/XXXX, I checked my credit report with XXXX to find that this account was opened in my name without my knowledge or consent. Moreover, the account was already delinquent as it appears the fraudster failed to make any payments on the account since it opened. And, there was a new phone number added to my credit report which was associated with this new account. I immediately filed an identity theft report with the FTC online. 

On XX/XX/XXXX, I contacted ACIMA and received an email from their fraud department that I needed to first file a police report and attach it to my response in order for them to investigate. It appears that ACIMA will not take any action until I responded with a police report. I have since contacted my local police department and initially told to file my report online. I made several attempts to do so and each time was rejected. 

I have since appeared in the police station in person and learned that this type of incident must be reported in person. I filled out an incident report and am still awaiting preparation of the report and contact by XXXX XXXX. In the meanwhile, ACIMA has reported the account 30 days past due, which dropped my credit score by XXXX pts. Clearly ACIMA has not suspended reporting. My credit will continue to drop if they continue to report the account in default - meanwhile I continue to await the police report ACIMA needs to " investigate '' the clear fraud.

Further, the lack of due diligence by ACIMA is astonishing and reckless. At the very least, they should have known that the current address on my credit report doesn't match -- or at least sent a letter to my current address informing me of the credit approval. Nonetheless, a fraudster has successfully used my name and identity to get credit while I pay the price for his fraudulent behavior.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CLGF Holdco 1, LLC
State: PA

Complaint narrative:
Date:2/19/2022 XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, PA, ATTN : DISPUTE/CLIENT RESOLUTION SPECIALIST Phone : XXXX FAX : XXXX Genesis FS Card Services XXXX XXXX XXXX XXXX, OR XXXX RE : ADVERSE ACTION DATED XX/XX/2022 Recently, I, XXXX XXXX was denied an extension of credit by Destiny On XXXX.I applied for The Destiny Mastercard Card As you may be aware, it is against federal law in accordance with Equal Credit Opportunity Act to proclaim an adverse action against a consumer. Pursuant 15 U.S Code 1691 ( C ) and you assume civil liability pursuant 15 U.S Code 1691 ( K ). Destiny has violated my federally protected consumer rights : 1. 15 U.S Code 1642 2. 15 U.S Code 1681M 3. 12 CFR 1002 BEST, XXXX, XXXX Without prejudice, all natural inalienable rights reserved.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Consumer Adjustment Company Incorporated
State: FL

Complaint narrative:
I, XXXX XXXX, the consumer and original creditor in fact, are aware of your fraudulent and discriminatory practices while operating as a creditor 15 USC 1602 ( g ). I, the applicant, initiated a Consumer Credit Transaction using my Credit Card 15 USC 1601 ( 1 ) and furthermore, not only did a transaction occur warranting unauthorized use as per 15 USC 1602 ( p ), but the consumer which is myself never benefited. 

CONSUMER ADJUSTMENT CO has violated my consumer rights and also has violated the XXXX law. 
I am demanding CONSUMER ADJUSTMENT CO to report to delete the collections to all reporting credit agencies within 7 days of receiving this letter/complaint. I, XXXX XXXX, never gave CONSUMER ADJUSTMENT CO to furnish information on my behalf 18 U.S. Code 1028A. I am demanding {$1000.00} for each violation to my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Please investigate these negative accounts on my credit report I have disputed these accounts multiple times and I have received no verification as to why these accounts are on my report plus it has been more then thirty days

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 2022-02-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Oklahoma Student Loan Authority
State: OH

Complaint narrative:
I received an email from my university XXXX  on Tuesday, XX/XX/2021 at XXXX XXXX  notifying me about a student loan disbursement and that I could cancel it " no later than 14 days from the date of this email ''. I emailed my university XXXX  on Friday, XX/XX/2021 at XXXX XXXX  requesting that the loan be canceled. The university bursar notified me that the loan was canceled. I have contacted Oklahoma Student Loan Authority on two different occasions via phone and have submitted 3 disputes via XXXX. The issue still has not been resolved after 9 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
I did apply for a Morgage forbearance do to a delicate Health condition of my wife than they do explain to me over the phone that the amount own will be place at the end of the morgage adding another 6 month. 
They never told me that I have to pay it at the end of the 6 month in full. 
For my surprise they do call me at the mid XXXX XXXX telling me that if I do not pay immediately they will place my home in Foreclosure so I went ahead and make the full payment but they adding me a late payments for 6 consecutive month for more than 120 days destroying my credit report and I didnt give autorizacin to any company to share my personal information.

In accordance with the FCRA THIS ACCOUNT HAS VIOLATED MY RIGHTS 15 U.S.C 1681 section 602 A State I have the right to privacy.

15 U.S.C 1681 A Section 2 : Also states a consumer reporting agency can not furnish a account without my written instructions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Please investigate these negative accounts on my credit report I have disputed these accounts multiple times and I have received no verification as to why these accounts are on my report plus it has been more then thirty days

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 2022-02-21 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Please investigate these negative accounts on my credit report I have disputed these accounts multiple times and I have received no verification as to why these accounts are on my report plus it has been more then thirty days

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
XXXX  personal loan and Wayfair credit card is at {$0.00} balance.

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 2022-02-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Frontline Asset Strategies, LLC
State: FL

Complaint narrative:
I, the consumer and original creditor in fact, are aware of your fraudulent and discriminatory practices while operating as a creditor 15 USC 1602 ( g ). I, the applicant, initiated a Consumer Credit Transaction using my Credit Card 15 USC 1601 ( 1 ) and furthermore, not only did a transaction occur warranting unauthorized use as per 15 USC 1602 ( p ), but the consumer which is myself never benefited. 
Let 's be clear, as a consumer, I am federally protected under the Fair Debt Collection Practices Act Title 15 Chapter 41. and it's saddening to know Frontline Asset Strategies , LLC takes pride in violating basic consumer rights. This company is harassing me for an alleged debt and ruining my reputation as a consumer. I am demanding XXXX from Frontline Strategies Asset for each violation of my consumer rights. Best regards.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ENCORE CAPITAL GROUP INC.
State: OH

Complaint narrative:
NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE. 

I recently received a copy of my consumer report and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I received an email from my university XXXX  on Tuesday, XX/XX/2021 at XXXX PM notifying me about a student loan disbursement and that I could cancel it " no later than 14 days from the date of this email ''. I emailed my university bursar on Friday, XX/XX/2021 at XXXX PM requesting that the loan be canceled. The university XXXX  notified me that the loan was canceled. I have contacted XXXX XXXX XXXX XXXX on XXXX different occasions via phone and have submitted XXXX disputes via Transunion. The issue still has not been resolved after 9 months.

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 2022-02-21 00:00:00
Product: Credit reporting, credit repair services, 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: FL

Complaint narrative:
MY NAME IS XXXX XXXX AND I AM SUBMITTING THIS COMPLAINT WITHOUT ANY INFLUENCE FROM ANY THIRD PARTY OR AGENCY. I have already made a complaint about transunion violating my consumer rights pursuant to TITLE 15 USC 1681b which states that written consent needs to be given for any action to be taken. Transunion sent me back a letter saying an account was verified. How can anything be verified when transunion was not present during any alleged action? Please do your job and protect me, the consumer from this nonsense. Its affecting my ability to receive credit extensions and causing more headache and stress.

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 2022-02-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Ability Recovery Services, LLC
State: SC

Complaint narrative:
this account has no contract it was cancelled by original creditor. 6years later this collection agency bought this debt and is trying to collect. there was no agreement nor contract with is agency and since i didnt agree with this collection agency on any terms i no longer liable for this debt. also they are unable to provide adequete paper work to show this debt is mine

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 2022-02-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
[ Bank Of America ] ( a ) I have XXXX credit cards with Bank of America. Since XX/XX/2022, Bank of America allowed " unauthorized charges by XXXX XXXX '' to be put on my credit card and " on my new credit card XXXX ''. This charges totaling about {$62.00}. This is a FCRA violation ( b ) Furthermore, bank of America did not report my new address XXXX XXXX XXXX, XXXX XXXX, CA XXXX to all credit bureaus in particular to 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 2022-02-21 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
I have previously disputed this collection. I was looking over my credit report and they put a collection account that was not verified and originally deleted off of my 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 2022-02-21 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XXXX XXXX, 2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX  ) XXXX XXXX XXXXXXXX

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 2022-02-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
On XX/XX/22 I sent TD Bank a document with original instrument stating accept for value return for settlement on the remittence slip that was sent to me by TD banks. I have not gotten a response yet nor any update on the remittence slip. I also contacted the CFO stating in the letter to validate this alleged debt with bookkeeping entries stating that they had the funds to disburse or have balance set to {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21 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: Advanced Resolution Services Inc.
State: NY

Complaint narrative:
This company is reporting fraud inquiries victim of id theft they refuse to investigate and send me my report by mail And delete this

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Receivables Performance Management, LLC
State: CA

Complaint narrative:
Receivables XXXX  Management, LLC ( which owns XXXX XXXX XXXX XXXX XXXX ) is trying to collect a phantom debt from former XXXX XXXX XXXX XXXX that have returned their vehicles years ago and satisfied any remaining amounts owed. RPM has not provided any record of missed payments or any of the other bogus charges they are claiming. I have been the victim of robo- calling and harassment with threats to my credit score for a debt I do not owe. I am one of many people and this has to stop the FTC and CFNB needs to put this company to an end of its bad practices because it's an abuse of people who have paid their bills. 
Amount disputed {$360.00} My weekly payments had to be paid otherwise XXXX XXXX would not have collected the vehicle and they took my {$250.00} deposit per the XXXX XXXX XXXX agreement, my business with XXXX XXXX XXXX was satisfied 3 years ago. I do not owe anything to either of these scammer organizations and anything else is phantom debt. This should be a class action lawsuit at this point. 
My attached document is further proof that the alleged charges are false because they do not align with XXXX XXXX XXXX agreement. Also Stated in my contract in Section 9 is that this is a lease that could be terminated early for the fee of the deposit {$250.00}. This was highly marketed in the media outlets. 
See Below from the XXXX XXXXXXXX for example : https : XXXX " According to XXXX XXXX XXXX XXXX head of XXXX XXXX  , drivers pay a security deposit of {$250.00}. Unlike with traditional auto leases, theyre not locked into multiyear contracts. If a driver decides to terminate the lease early, he or she forfeits the {$250.00} deposit, with no other penalties. '' How could owe any additional fees ( early termination and sales fees? ) that this company has listed but not verified? The answer is I clearly do not. Please discharge and remove. Stop this company from hurting innocent people.

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