vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-15 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: OH

Complaint narrative:
Debt validation Letter XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX I am reaching out to whomever this matter concerns on behalf of myself, XXXX XXXX XXXX, a federally protected consumer. I am enforcing my rights according to 15 USC 1692g by asking your company to VALIDATE the alleged debt as well as send me evidence that I am obligated to pay this alleged debt. I am not Refusing to pay the debt but rather asking your company to VALIDATE this debt as it is your lawful duty when asked by a consumer. 

I am also making your company aware that invalidated information on my consumer report may be fraud under federal and state laws, and I will not hesitate to bring forth legal action if my rights continue to be violated under the FDCPA and FCRA. You have 30 days to validate this debt and during this time all furnishing and collection activities must cease and desist through any and all mediums including my consumer report. If your company and/or office fails to respond within 30 days to validate this debt it shall be deleted and removed from my credit file immediately. I have also attached a CEASE AND DESIST that is effective immediately. 








If adverse action is taken against me as a consumer I will consult my legal counsel. Please be advised that according to 15 USC 1692g - within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing - ( 1 ) The amount of the debt ; ( 2 ) The name of the creditor to whom debt is owed ; ( 3 ) A statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) A statement that if the consumer notifies the debt collector In writing within thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgement against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and XXXX XXXX XXXX XXXX 
( 5 ) A statement that, upon the consumer 's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor. 



Thank You for your attention in this matter, XXXX XXXX XXXX  Without prejudice, All Natural Rights Reserved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 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: EQUIFAX, INC.
State: MI

Complaint narrative:
My information was heisted and this accounts are fraudulent and do not belong to me. I would like these accounts completely removed from all three credit bureaus on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: MA

Complaint narrative:
On XX/XX/XXXX, XXXX XXXX instructed his team of Department of Government Efficiency ( DOGE ) to gain access to multiple internal systems within the Department of Education, including financial aide dataset that contains the personal information of millions of students ( current and prior ) enrolled in the federal student aid and program. My information was among the dataset that has been compromised onto unsecure servers and compromised.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: AMERIS BANCORP
State: GA

Complaint narrative:
We had a XXXX  called " XXXX XXXX XXXX XXXX  '' registered several years ago as a XXXX  in State of Georgia and opened a business checking account with Ameris Bank ( at that time they called it XXXX XXXX  ). We did not renew the registration of this XXXX  but had {$100.00} on this account and my wife used it for XXXX trading. At the end of 2024 we got a bill from Ameris Bank claiming that we had overdraft and have to pay {$390.00} because of some strange unauthorized transaction pulling/depositing money to this checking account. We went to a Bank branch in XXXX GA and they promised to resolve it and call us by XX/XX/XXXX. We got no calls so far but yesterday got another bill demanding to pay {$390.00} for overdraft. Why should we be responsible for unauthorized transactions made from paypal on Internet on this stolen account? Ameris Bank is refusing to recognize those transactions as non-legitimate and claims that we own them {$390.00}. We asked to block any transactions to this account in XX/XX/year>. How come the Consumer can be responsible for Bank 's inability to stop unauthorized transaction?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 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: CT

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute inaccuracies in my credit report, which I obtained from Equitax Upon reviewing my report, I found several errors that l believe require immediate correction. The items in question are Listed XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Under the Fair Credit Reporting Act ( FCRA ), Equifax is obligated to conduct a thorough investigation of disputed items on consumer credit reports. However, l am aware that the Consumer Financial Protection Bureau ( CFPB ) is currently pursuing legal action against Equifax for alleged failure to conduct proper investigations as mandated by law. Given this, I am particularly concerned that my dispute will not be handled with the diligence required under the FCRA. I am requesting that Equifax conduct a comprehensive and timely investigation into my dispute and provide me with written contirmation of the outcome within 30 days, as required by law.

If the investigation determines that the disputed information is inaccurate or can not be verified, I request its immediate removal or correction. 
Please send your written response to my address listed above or contact me directly at XXXX if you require additional information. Thank you for your immediate attention to 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 2025-03-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute inaccuracies in my credit report, which I obtained from Equitax Upon reviewing my report, I found several errors that l believe require immediate correction. The items in question are Listed XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Under the Fair Credit Reporting Act ( FCRA ), Equifax is obligated to conduct a thorough investigation of disputed items on consumer credit reports. However, l am aware that the Consumer Financial Protection Bureau ( CFPB ) is currently pursuing legal action against Equifax for alleged failure to conduct proper investigations as mandated by law. Given this, I am particularly concerned that my dispute will not be handled with the diligence required under the FCRA. I am requesting that Equifax conduct a comprehensive and timely investigation into my dispute and provide me with written contirmation of the outcome within 30 days, as required by law.

If the investigation determines that the disputed information is inaccurate or can not be verified, I request its immediate removal or correction. 
Please send your written response to my address listed above or contact me directly at XXXX if you require additional information. Thank you for your immediate attention to 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 2025-03-15 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 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 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 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, has violated my rights. 

And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C. 1681B ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
Experian Equifax XXXX all improperly reinsert debt consistently back on my report on properly and consist of disputes that I have requested. Sent in proper information to each credit bureau and improperly have been restarting information back on to my credit report causing damages to my score and making more debt that was not old accrued on my behalf. They have improperly not doing a thorough investigation regarding debt that has been accrued by identity theft. Also data breach through corporations

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 2025-03-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services
State: ID

Complaint narrative:
On XXXX XXXX XXXX, XXXX XXXX instructed his team of Department of Government Efficiency ( DOGE ) to gain access to multiple internal systems within the Department of Education, including a financial aid dataset that contains the personal information of millions of students enrolled in the federal student aid program.

My personal and financial information was compromised without my autherization. The Family Education Rights and Privacy Act ( FERPA ) protects the confidentiality of student records.

This breach is a clear violation of FERPA and your responsibility to safeguard my information. Given the severity of this breach and resulting compromise to my personal and financial information. 
I request that you immediately cancel and discharge my student loan debt within five business days

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 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: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Subject : Formal Request for Assignment Contract and Debt Validation Dear Credit Reporting Agency, I am writing to formally dispute an item on my credit report under the Fair Credit Reporting Act ( FCRA ). The account in question is XXXX XXXX I request that you provide me with a copy of the assignment contract that verifies the legal right of the reporting entity to collect this debt. 

Under 15 U.S.C. 1681g, I have the right to request all documentation used to verify this accounts accuracy. Therefore, I am requesting the following : 1. A copy of the original assignment contract between the creditor and the entity currently reporting the debt.

2. Documentation proving that the reporting entity has the legal authority to collect or report this debt.

3. Any records of payments made or owed under this account.

If you can not provide this documentation, I request that you remove this account from my credit report immediately. Please respond within the legally required 30-day period. I expect a written response indicating whether the requested documentation has been obtained, or the disputed account has been removed.

Thank you for your prompt attention to this matter. Please send all correspondence to the address listed above. 

Kind Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Subject : Formal Request for Assignment Contract and Debt Validation Dear Credit Reporting Agency, I am writing to formally dispute an item on my credit report under the Fair Credit Reporting Act ( FCRA ). The account in question is XXXX XXXX I request that you provide me with a copy of the assignment contract that verifies the legal right of the reporting entity to collect this debt. 

Under 15 U.S.C. 1681g, I have the right to request all documentation used to verify this accounts accuracy. Therefore, I am requesting the following : 1. A copy of the original assignment contract between the creditor and the entity currently reporting the debt.

2. Documentation proving that the reporting entity has the legal authority to collect or report this debt.

3. Any records of payments made or owed under this account.

If you can not provide this documentation, I request that you remove this account from my credit report immediately. Please respond within the legally required 30-day period. I expect a written response indicating whether the requested documentation has been obtained, or the disputed account has been removed.

Thank you for your prompt attention to this matter. Please send all correspondence to the address listed above. 

Kind Regards, 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 2025-03-15 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: PNC Bank N.A.
State: PA

Complaint narrative:
I was sick out of work XX/XX/XXXX. I regained my health and was back to work XX/XX/XXXX and have made consistent payments on time since then. I am just simply requesting a reinstatement of my ability to use my HELOC and my home equity I noticed in the regulations it says pnc really doesnt need any other data except to monitor whether you have been a consistent payer I did previously provide all the documents requested back then a year ago I am gainfully employed. Im a longtime customer of Pnc. They would be able to see all my deposits to come in automatically from employment and Social Security. Its almost XXXX a year. I need to make some improvements in my property and would like the Opportunity rehab to be reinstated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-15 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:
Ive been trying to login to the Mohela website and app and I receive an error message with a message that says Forbidden. I tried to change password and user ID without any success. I tried to log in since the beginning of this year, 2015, once or twice a week.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation