vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-18 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: CCS Financial Services, Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX XXXX XXXX, FL XXXX XXXX XX/XX/year> CREDIT COLLECTION SERVIC XXXX XXXX XXXX XXXX, MA XXXX Subject : Dispute of Duplicate Account & Incorrect Balance - Request for Immediate Investigation Dear CREDIT COLLECTION SERVIC, I am writing to formally dispute an inaccurate and duplicate entry on my credit report under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ). Upon reviewing my credit report, I noticed that the same debt is being reported twice, and both accounts reflect incorrect balances.

The accounts in question are : Account Name : CREDIT COLL ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX  ) Account Number ( s ) : XXXX Incorrect Balance ( s ) : {$550.00} According to FCRA 611, credit reporting agencies are required to investigate and correct inaccurate information. Additionally, under FDCPA 807 ( 2 ) ( A ), it is unlawful for a debt collector to misrepresent the amount of a debt. I am requesting that you : 1. Remove the duplicate account to prevent double reporting of the same debt.

2. Correct the balance on the valid account to reflect the accurate amount.

3. Provide written confirmation of the investigation results within 30 days.

I have attached copies of my credit report highlighting the duplicate accounts, as well as any relevant documentation supporting my dispute.

Failure to correct these inaccuracies may result in a complaint filed with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and/or my state Attorney Generals office.

Please provide a written response confirming the resolution of this matter at your earliest convenience. You may contact me by mail at the address above. 
Sincerely, XXXX XXXX

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 2025-02-18 00:00:00
Product: Debt collection — Credit card 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: AZ

Complaint narrative:
This is not my account please remove Remove Columbia Debt Recovery from my credit report per the FCRA and CFPB guidelines.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: IL

Complaint narrative:
When i viewed my credit file i noticed there were some hard inquiries and accounts that were not done by me. Someone opened an account in my name and now these creditors are trying to collect the debt from me. I have reached out to these creditors and the three credit reporting bureaus many times and they still have not helped me. So now im here begging for help so that this can be rectified due to someone stealing my identity and opening accounts in my name.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: CA

Complaint narrative:
This company has given me multiple issues on fixing problems on my account nor have I got my 36 adjustable credits given to me. I as well call them over and over and get no one. I as well call them over and over and do not get issues resolved for fixed and I'm losing multiple credits because of them

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-18 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: VA

Complaint narrative:
A careful review of my credit record revealed unverified late payment entries that remain unaddressed despite multiple communication attempts. Over 30 days have passed since I sent letters requesting validation, yet no response or satisfactory explanation has been provided. The continued presence of these undocumented late payments raises significant concerns about their accuracy and potential impact on my credit standing.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-18 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: CCS Financial Services, Inc.
State: FL

Complaint narrative:
XXXX XXXXXXXX XXXX  XXXX XXXX XXXX, FL XXXX XXXX XX/XX/year> CREDIT COLLECTION SERVIC XXXX XXXX XXXX XXXX, MA XXXX Subject : Dispute of Duplicate Account & Incorrect Balance - Request for Immediate Investigation Dear CREDIT COLLECTION SERVIC, I am writing to formally dispute an inaccurate and duplicate entry on my credit report under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ). Upon reviewing my credit report, I noticed that the same debt is being reported twice, and both accounts reflect incorrect balances. 
The accounts in question are : Account Name : CREDIT COLL ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) Account Number ( s ) : XXXX Incorrect Balance ( s ) : {$620.00} According to FCRA 611, credit reporting agencies are required to investigate and correct inaccurate information. Additionally, under FDCPA 807 ( 2 ) ( A ), it is unlawful for a debt collector to misrepresent the amount of a debt. I am requesting that you : 1. Remove the duplicate account to prevent double reporting of the same debt.

2. Correct the balance on the valid account to reflect the accurate amount.

3. Provide written confirmation of the investigation results within 30 days.

I have attached copies of my credit report highlighting the duplicate accounts, as well as any relevant documentation supporting my dispute.

Failure to correct these inaccuracies may result in a complaint filed with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and/or my state Attorney Generals office.

Please provide a written response confirming the resolution of this matter at your earliest convenience. You may contact me by mail at the address above. 
Sincerely, XXXX XXXX

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 2025-02-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRUIST FINANCIAL CORPORATION
State: PA

Complaint narrative:
To Whom It May Concern, I am writing to formally demand that Regional Acceptance Corporation issue a 1099-C Cancellation of Debt form for my charged-off auto loan account. As reflected in my credit report, the account was closed on XX/XX/2024, and has been classified as a profit and loss write-off. Your company has clearly written off the balance, indicating that you have ceased collection efforts and recognized this as a financial loss. 

Despite this, my credit report continues to reflect late payments on a closed and charged-off account, which is both inaccurate and misleading. The account is no longer active, and therefore, any continued reporting of missed payments serves no legitimate purpose other than to damage my credit further. 

Under IRS regulations, when a lender cancels or discharges a debt of {$600.00} or more, a 1099-C must be issued to the borrower for tax purposes. As my remaining balance at charge-off exceeded this threshold, you are legally required to provide me with this form.

I demand that you : 1. Immediately issue a 1099-C form for the cancellation of the debt and send it to me at the address listed above.

2. Cease reporting late payments on this closed account and update the status accordingly with the credit bureaus. 
3. Provide written confirmation that the account is permanently closed with no further collections activity.

If I do not receive the 1099-C form within 30 days, I will have no choice but to escalate this matter by filing a complaint with the Consumer Financial Protection Bureau ( CFPB ), the IRS, and the Federal Trade Commission ( FTC ). Furthermore, I will seek legal counsel to ensure my consumer rights are fully protected. 

This is my final notice before pursuing further action. I expect an immediate resolution to this matter. 

Sincerely, XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION
State: NJ

Complaint narrative:
I am disputing inaccurate reporting by XXXX XXXX XXXX XXXX Credit Acceptance Corp. This lender issued me a 1099-C for canceled debt, meaning the debt was forgiven and should no longer be reported as owed. However, they continue to report the account as a voluntary repossession, which is misleading and damaging to my credit. With also the amount owed being at {$17000.00} which is incorrect. I have disputed this with XXXX XXXX XXXX XXXXXXXX but they have not corrected it. I am requesting the removal of this inaccurate reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-18 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: ARVEST BANK GROUP, INC.
State: OK

Complaint narrative:
On XXXX at XXXX XXXX  I was served with summon from Arvest bank credit card. For XXXX 
On XXXX XXXX, the account was closed with statement XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Subject : Dispute Letter Regarding Civil Liability for Negligence ( 15 U.S.C. 1681o ) I am writing to formally dispute the claim of civil liability for negligence under 15 U.S.C. 1681o I believe that the claim is non-compliant with the Fair Credit Reporting Act ( FCRA ) requirements and does not meet the legal standard for negligence as defined under the statute.

According to 15 U.S.C. 1681o, civil liability for negligence requires proof that a party failed to comply with the FCRA, resulting in actual damages suffered by the claimant. After reviewing the details of the matter, I contend that the claim against me lacks sufficient evidence to demonstrate : A clear and direct violation of the FCRA provisions ; A causal connection between any alleged noncompliance and actual damages incurred ; Proper adherence to procedural requirements necessary to establish a valid claim. 

Additionally, if this matter involves an alleged inaccurate or improperly reported credit-related issue, I request that you provide documented proof of compliance with FCRA provisions, including verification of the accuracy of any disputed information.

I formally request the following actions : Immediate review and correction of any inaccurate, incomplete, or unverified information related to this matter ; Removal of the following accounts from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX detailed explanation and supporting documentation demonstrating full compliance with FCRA requirements ; A prompt resolution of this dispute, including the removal of any erroneous claims or liabilities associated with this matter. 

Please provide a written response within [ reasonable timeframe, e.g., 30 days ] of receiving this letter. If I do not receive a satisfactory resolution, I reserve the right to escalate this matter through legal channels, including but not limited to filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) or pursuing legal remedies available under the law. 

Thank you for your prompt attention to this matter. I look forward to your response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-18 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 
DPT EDXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-18 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: TX

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 
DPT EDXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX 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 2025-02-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action.

Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs.

Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from 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 non-monetary relief
Consumer complaint received 2025-02-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I entered into a settlement agreement for the balance due on my XXXX XXXX XXXX XXXX XXXX XXXX  ). The agreement states that once the final payment is made, they will update the account to current and as settled for less than full. They have been reporting it late, and even reported it late for this month despite me making the final settlement payment. I called and asked when they would be updating it, and they said 30 days. I told her that the system is expecting me to make a payment by XX/XX/XXXX, and thats less than 30 days. The representative said that is because the system doesnt recognize the settlement agreement and I may have another late payment reported for XXXX, even though im not late. I made all of the settlement payments that were agreed on. Now they may damage my credit further, so they can have time to update their system? Thats not fair at all. When someone meets the requirements of a settlement agreement they should be promptly updating the account to the credit bureaus. Not only that, but when I disputed it, they intentionally reported it as late, in response to the 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 explanation
Consumer complaint received 2025-02-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
I entered into a settlement agreement for the balance due on my Paypal XXXX ( through synchrony bank ). The agreement states that once the final payment is made, they will update the account to current and as settled for less than full. They have been reporting it late, and even reported it late for this month despite me making the final settlement payment. I called and asked when they would be updating it, and they said 30 days. I told her that the system is expecting me to make a payment by XX/XX/XXXX, and thats less than 30 days. The representative said that is because the system doesnt recognize the settlement agreement and I may have another late payment reported for XXXX, even though im not late. I made all of the settlement payments that were agreed on. Now they may damage my credit further, so they can have time to update their system? Thats not fair at all. When someone meets the requirements of a settlement agreement they should be promptly updating the account to the credit bureaus. Not only that, but when I disputed it, they intentionally reported it as late, in response to the 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 explanation
Consumer complaint received 2025-02-18 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: TX

Complaint narrative:
I did not authorize the inclusion of these unauthorized accounts on my credit report, and I kindly request their removal. Immediate action is required to remove and block this inaccurate information from my records. Please proceed with removing and blocking it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-18 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: CA

Complaint narrative:
I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving 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 2025-02-18 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: CA

Complaint narrative:
I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving 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 non-monetary relief
Consumer complaint received 2025-02-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AR

Complaint narrative:
XXXX ... Bank of America in XXXX ny allowed someone to deposit a check in the amount of XXXX... I am from little rock arkansa and have never been to New york... .they have video of who entered bank but will not release to me without a third party.. cops in new york will not take case cause I don't know who did it. The persons also went in a couple days later and withdrew XXXX dollars in XXXX XXXXXXXX XXXX XXXX. .my physical address was changed so I did not receive the notices Boa said they sent and it never dawned on them to pick up phone and call me knowing that this account has never handled this type of deposit putting me and my family in undue hardship... I contacted fraud dept numerous times to no avail .... I have had an account over 20 years and have never had any problems of them contacting me ..they have closed and frozen my account for something that I had nothing to do with ... any assistance u can give will be greatly appreciated... instead of them going after who did this they are punishing me

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