vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-22 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: GA

Complaint narrative:
Upon pulling my credit report I noticed that there is a new collection from Radius Global Solution in the amount of {$110.00} on behalf of XXXX XXXX XXXX. The only XXXX XXXX XXXX account that I have is my wireless service, and it is current and paid on time each month via autodraft. Upon noticing this debt on my credit report, I sent a certified letter to Radius Global asking for a debt validation letter as required under the Fair Credit Reporting Act. The letter was mailed on XX/XX/year> ; as of today I have not received a response. Per the FCRA, XXXX XXXX had 30 days to respond to my request for validation, or they must delete the account from my credit report. I pulled my credit report today and the account is still listed on my 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 2024-06-22 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: FL

Complaint narrative:
On XX/XX/2024 XXXX XXXX XXXX XXXX  added a derogatory mark to my credit report per XXXX XXXX. Upon, further research, this account was transferred/sold and I am no longer responsible for the account. Debtors creditors did not verify this collection. Also, there was NO form of communication, contracts, or signatures for this account debt at all. A bill without a written signature does not validate the debt and anybody can send a bill and say its mine. According to the FCRA, XXXX XXXX XXXX XXXX violated my rights as a consumer and Im requesting legal action to remove this account 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 non-monetary relief
Consumer complaint received 2024-06-22 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: CA

Complaint narrative:
XXXX  installments filed a small claim against me in the state of Georgia. The judge has ruled and closed this case in my favor. I demand that all these accounts are removed and deleted. I will have documents attached from the judge. Thank you! 

XXXX Account number : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-22 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
Delete this account because you can not furnish any documentation that would verify ownership. Please provide documentation that the following account belongs on my credit report and that my rights have not been violated. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
Delete this account because you can not furnish any documentation that would verify ownership. Please provide documentation that the following account belongs on my credit report and that my rights have not been violated. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: PNC Bank N.A.
State: KY

Complaint narrative:
I had bank account with XXXX  from XXXX and it was closed and I have no idea why was it closed. 
And then my PNC checking account was closed on XX/XX/XXXX and I cant open bank account

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud

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 2024-06-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAVALRY INVESTMENTS, LLC
State: CO

Complaint narrative:
Cavalry SPV LLC, represented by the law firm XXXX XXXX XXXX, purchased a credit debt from XXXX XXXX  via a bill of sale on XX/XX/XXXX. Subsequently, they filed a summons in XXXX XXXX XXXX, Colorado, case # XXXXXXXX XXXX XXXXXXXX, seeking {$1400.00}. 

Cavalry presented an exhibit showing the XXXX XXXX XXXX account as of XX/XX/XXXX, which indicated a XXXX balance and no past due amount. However, the exhibit did show a credit adjustment of {$1300.00}. 

In a Motion for Production of Documents on XX/XX/XXXX, Cavalry has yet to provide a contract for the debt, a debt validation letter, or any notes regarding the XXXX account. 

No did XXXX send a right to cure letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Experian has proven that they are unable to generate an accurate 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 2024-06-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud

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 2024-06-22 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Source Receivables Management LLC
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida, XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Subject : Formal Dispute of Collections Reported by Source Receivables Management Dear CFPB, I am writing to formally dispute the collection account reported by Source Receivables Management on my credit report. This account, which I allegedly owe, is erroneous and in violation of several consumer protection laws, including but not limited to 12 CFR 1006.34 ( b ) ( 5 ), 12 CFR 1006.34 ( c ) ( 4 ) ( I ), 12 CFR 1006.34 ( d ), and 15 USC 1681-S 2 ( 7 ) ( A ).

Specifically, Source Receivables Management has failed to provide the necessary disclosures required by law before furnishing any account information to consumer reporting agencies. This omission is a clear violation of my rights under the stated regulations. Additionally, the collection agency has employed false, misleading, and deceptive practices in their attempts to collect this alleged debt, further violating 12 CFR 1006.34.

As such, I am disputing owing any and all debt to Source Receivables Management and hereby revoke all rights of communication with me through email, text, or calls. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I am requesting a thorough debt validation.

To validate this debt, please provide the following : 1. Verification of the alleged debt.

2. The original contract or purchase agreement between Source Receivables Management and the original creditor. 
XXXX. Proof that Source Receivables Management is licensed and bonded to collect debt in my state. 

Failure to provide these documents will result in the immediate cessation of any collection activities and the removal of this collection account from my credit report. 

I expect this matter to be investigated promptly and to be provided with a written response within 30 days. 

Thank you for your prompt attention to this serious matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-22 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: Credit Karma, LLC
State: TX

Complaint narrative:
On or about XX/XX/XXXX I attempted to log into my Credit Karma account, I could not get into the account. After Credit Karma requested my Social Security number and user name, Credit Karma stated that the email on my account is XXXX. My email I registered with years ago was never XXXX .Someone hacked my account and continues to view all my information on my credit reports, this caused me to freeze my credit reports with all the agencies. Creditkarma.com com sent me an email on XX/XX/XXXX and stated they would look into to it on XX/XX/XXXX that was 4 days after I reported. I demand they close this account that an imposter is using fraudulently.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-22 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian is persistently reporting an account that does not belong to me. Despite multiple letters sent to them, they continue to remove and re-add the erroneous account to my credit files. This account and balance do not belong to me, and it is clearly a case of fraud/identity theft. XXXXXXXX XXXX has explicitly stated in a letter that they would remove this account ( letter attached ), in addition to the police report and FTC report that have been filed. This blatant disregard for regulations and continuous harassment are unacceptable. I demand immediate action to rectify this issue and remove this account from my credit file.

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 2024-06-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I have sent dispute requests to XXXX regarding the following accounts numbers : XXXX / XXXX. I have sent dispute requests to XXXX regarding the following account numbers : XXXX XXXX. I have sent dispute requests to TransUnion regarding the following account numbers : XXXX / XXXX. The dates of these disputes are as follows : XX/XX/year>, XX/XX/year> and XX/XX/year>. Despite all of these letters sent to these XXXX bureaus, there has been no dispute language on my credit report. There have also been no investigation results sent to me. It is very clear that my case has not been looked into whatsoever by any of these bureaus.

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 2024-06-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.
State: KY

Complaint narrative:
I cant open any bank account at all in chase bank, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-22 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: NH

Complaint narrative:
Re : Dispute of Inaccurate Disclosure under Truth in Lending Act ( TILA ) Account Name : XXXX XXXX  Account Number : XXXX I am writing to formally dispute inaccurate and incomplete information reported on my credit file under the Truth in Lending Act ( TILA ). The account referenced above has several discrepancies and missing disclosures that violate TILA requirements. 

Specific Issues Identified : 1. Inaccurate Reporting of Terms : The credit card terms, such as the APR and payment terms, are not reported, which violates the TILA requirement for clear disclosure.

2. Discrepancy in High Balance vs. Credit Limit : The reported high balance of {$9600.00} exceeds the stated credit limit of {$9500.00}, which is unclear and possibly incorrect. 

3. Inconsistent Status Dates : The status date is listed as XX/XX/XXXX, while the account continues to show charge-offs through XX/XX/XXXX. This inconsistency needs to be corrected to reflect the most recent status accurately. 

4. Omitted Payment Information : The monthly payment history lacks reported payment amounts and dates, particularly between XX/XX/XXXX and XX/XX/XXXX, violating the transparency requirement under TILA.

These issues are in direct violation of the FCRA, specifically : Section 1681e ( b ) : " 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. '' And Section 1681i ( a ) : " If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer... the agency shall ... conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate... '' Enclosed with this dispute a copy of the section of my credit report highlighting the disputed items as a document to support my dispute.

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 2024-06-22 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:
This is a second notice to Cras XXXX, equifax and XXXX That are Fraudulently Holding non public Accounts on my credit Report without ever disclosing the opt of transaction history and experiences Being reported on my report is excluded from a consumer report Accounts like XXXX XXXX XXXX CREDIT BUREAU XXXX XXXX CREDIT BUREAU XXXX XXXX Which is a medical collection and Fraudulently reported as medical information is prohibited from reporting on your consumer report CREDIT COLLECTION SERVIC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX All XXXX  XXXX XXXX accounts XXXX XXXX XXXX XXXX XXXX All accounts above are by law illegal via 15 us code 1681a ( i ) as they they report my transaction history and experiences with creditors I have opted out of equifax, XXXX and XXXX From Disclosing and sharing my non public information on my consumer report And if these fraudulent acts keep up I will put Cras under a default judgement And escalate case to to arbitration

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-22 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: IN

Complaint narrative:
I am writing to address an issue concerning an account listed on my credit report. The account in question XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has been a subject of dispute due to discrepancies and unresolved issues. Specifically, there are inaccuracies in the reported information. Despite previous attempts to resolve these discrepancies directly with your company, the issues remain unresolved. I am formally requesting a thorough investigation into the validity and accuracy of the reported information. Please provide confirmation of receipt of this correspondence and advise on the next steps to resolve this matter.

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 2024-06-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I am writing to address an issue concerning an account listed on my credit report. The account in question XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has been a subject of dispute due to discrepancies and unresolved issues. Specifically, there are inaccuracies in the reported information. Despite previous attempts to resolve these discrepancies directly with your company, the issues remain unresolved. I am formally requesting a thorough investigation into the validity and accuracy of the reported information. Please provide confirmation of receipt of this correspondence and advise on the next steps to resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CMI Group, Inc.
State: TX

Complaint narrative:
I am unaware of any debt related to XXXX XXXX XXXX. 
I have never signed any agreement or provided any personal information or documentation to this company. This debt does not belong to me. 
I have tried reaching out to them to get this resolved, but they refuse to help

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-22 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: CA

Complaint narrative:
XXXX XXXX  filed a small claim against me in the state of Georgia. The judge has ruled and closed this case in my favor. I demand that all these accounts are removed and deleted. I will have documents attached from the judge. Thank you! 

XXXX Account number : XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2024-06-22 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: CA

Complaint narrative:
XXXX XXXX filed a small claim against me in the state of Georgia. The judge has ruled and closed this case in my favor. I demand that all these accounts are removed and deleted. I will have documents attached from the judge. Thank you! 

XXXX Account number : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief