vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-11 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
XX/XX/year> Account # XXXX I am writting to request validation of the debt referenced. Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request verification of the debt you claim I owe.

Please provide the following information to validate the debt : 1. The amount of debt.

2. The name of the original creditor.

3. A detailed statement or document that confirms I owe this debt, including a breakdown of any interest or fees added.

4. Proof that you are authorized to collect on this debt.

5. A copy of the original signed agreement Please note that until you provide the requested verification, I request that you cease any further collection efforts on this account. 
Thank you for your prompt attention to this matter. Please send the requested documentation to my address listed above. If you fail to provide proper validation, I expect all collection efforts to stop and the account to be removed from your records.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
On the mentioned date, I had no contact with this lender.

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 2025-03-11 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: MA

Complaint narrative:
I am filing a complaint against Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Experian consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. 

These are the accounts that I have marked as inaccurate : XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-03-11 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Despite previous disputes and your failure to correct the inaccurate information on my credit report, this is a formal notice of intent to sue for continued violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 

Your companys repeated negligence has caused me significant financial and personal harm. If these inaccuracies are not resolved immediately, I will have no choice but to pursue legal action under the following statutes : FCRA 15 U.S. Code 1681n Civil Liability for Willful Noncompliance FCRA 15 U.S. Code 1681o Civil Liability for Negligent Noncompliance FDCPA 15 U.S. Code 1692k Civil Liability for Debt Collection Practices Violations

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: GLOBAL SOLUTION BIZ LLC.
State: KY

Complaint narrative:
I am writing to formally address serious concerns regarding the improper and unprofessional handling of XXXX, I want to express my deep displeasure that the very first outreach I received from this company regarding this debt came in the form of a threatening message. This approach is both unprofessional and inappropriate. I believe that respectful and constructive communication should be the standard when resolving financial matters, and this experience has been anything but that. 

Furthermore, this morning, XXXX XXXX left a detailed voicemail referencing a Uniform Commercial Code ( UCC ) lien associated with my account. As the Consumer Financial Protection Bureau ( CFPB ) clearly states, it is illegal to disclose details of a debt on voicemail. The Fair Debt Collection Practices Act ( FDCPA ) strictly prohibits third-party disclosure of debt information, and detailed messages like the one I received violate those protections. This position has been upheld in legal cases such as XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, which affirmed that voicemails leaving specific debt-related details can be considered unauthorized disclosures. 

To clarify, I am already aware of the original debt and previously entered into a payment arrangement with XXXX regarding this matter. Given this history, I am confused and concerned by the aggressive and inappropriate nature of this recent communication. 

I respectfully request that this situation be addressed and resolved immediately. Furthermore, I ask that the improper handling of my account and the privacy violation in XXXX XXXX voicemail be investigated and appropriately addressed. 

Lastly, I am formally requesting that all future communication regarding my account be conducted exclusively in writing either by mail or email. I do not wish to receive any further phone calls from your office. 

This letter was sent to the company along with these issues they then called me twice in a roll today after I had asked for them to not call amd only commicate via email or text

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 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: LA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-03-11 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: MA

Complaint narrative:
I recently review a copy of my credit, and saw accounts that i have no idea about, they hurting my ability to get credit, i want these accounts to be removed from 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 2025-03-11 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: MD

Complaint narrative:
The Consumer Financial Protection Bureau ( CFPB ) has documented Equifaxs repeated failure to properly investigate consumer disputes, even leading to legal action for violating the FCRA. This continued pattern of noncompliance is unacceptable, and I will not allow my credit profile to suffer due to negligence on your part. 

Federal law ( 15 U.S.C. 1681i ) clearly states that Equifax is required to conduct a thorough reinvestigation of disputed information within 30 days. Any item that can not be 100 % verified must be deleted immediately. I demand that these errors be corrected without delay, as they are actively harming my financial standing. Continued noncompliance will not be ignored. 

Name : 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-11 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  They have not provided me with the correct information and I have asked to have this removed from my credit as the balances are inaccurate. I have disputed several times and they refuse to take these off my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-11 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FLORIDA, XXXX XXXX [ XXXX ] XXXX XX/XX/XXXX EXPERIAN EXPERIAN XXXX XXXX XXXX XXXX, TX, ZIP XXXX Dear Sir/Madam, I am writing to formally request the removal of an inaccurate collection account from my credit report. According to the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute the accuracy and completeness of information on my credit report. 

The account in question is with [ Collection Agencys Name ], account number [ Account Number ]. I have confirmed with [ Original Creditor 's Name ] that this entry is indeed incorrect based on [ provide reason, e.g., mistake, paid account, identity theft ]. 

I am including copies of supporting documents which verify the inaccuracy ( attach copies, not originals ), such as [ describe documents, e.g., payment records, release letters, identity theft reports ]. 

I respectfully request a thorough investigation into this matter and that the incorrect collection entry be permanently deleted from my credit report. According to the FCRA, you are required to complete the investigation within 30 days of receiving this letter. 

Please provide confirmation in writing once this error has been rectified. If additional information is required to resolve this issue, I am willing to cooperate immediately. 

Below are the collection : 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 XXXXXX/XX/XXXX Thank you for your attention to this urgent matter. I look forward to an expedient resolution in favor of my credit reports accuracy. 



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 2025-03-11 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: SC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX is reporting inaccurate information on my credit report. This inaccurate information is causing my credit score to decrease and making it harder for me to purchase a home. They have been paid in full and I have a XXXX balance. They have been reporting monthly collection statuses when theyve been paid. Balance still shows {$850.00}.

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 2025-03-11 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: SC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX is reporting inaccurate information on my credit report. This inaccurate information is causing my credit score to decrease and making it harder for me to purchase a home. They have been paid in full and I have a XXXX balance. They have been reporting monthly collection statuses when theyve been paid. Balance still shows {$850.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-11 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: GA

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the 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 non-monetary relief
Consumer complaint received 2025-03-11 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : 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 2025-03-11 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: TN

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-11 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: LA

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-03-11 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Adjusters, LLC
State: MO

Complaint narrative:
15 USC 1692 c law states If a customer notifies a dept collector that the cusumer refuses to pay a dept The dept collector must cease all communication

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK
State: MA

Complaint narrative:
I believe I am the victim of identity theft as a result of a data breach where my personal information was exposed. As a consequence, fraudulent charges were made to my Discover credit card account in the amount of {$8900.00}. I became aware of the charges when I reviewed my account statement and noticed transactions I did not recognize. 
I immediately contacted Discovers customer service and reported the fraudulent activity. I disputed the charges and was advised that the matter would be investigated. I have provided them with any required documentation, including a police report and a fraud report filed with the Federal Trade Commission ( FTC ). However, the charges have not yet been removed from my account.

The fraudulent charges were made after my information was compromised in a data leak. Despite my efforts to resolve the issue directly with Discover, I have not received a satisfactory resolution, and I am still being held responsible for the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Mandarich Law Group, LLP
State: GA

Complaint narrative:
Hello, Consumer Financial Protection Bureau, I had received a letter in the mail from Mandarich Law Group , LLP. They are collecting on behalf of XXXX XXXX XXXX XXXX XXXX. on an " alleged debt '' that I supposedly owe. The amount if for {$1200.00}. I question the legitimacy as I have not received any debt validation in regard to said debt. I will need a total explanation and debt validation so that I can investigate this claim. I attached a letter in the next section for the law firm.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: NC

Complaint narrative:
Received notification that collection account was placed on my credit profiles. This company did not verify that the debt was owed by me. This company is in violation of the FCRA reporting standards.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: TRUIST FINANCIAL CORPORATION
State: MD

Complaint narrative:
Process began XX/XX/XXXX. Last week I was finally recognized as Successor in Interest and advised " Our process for becoming a Successor in Interest and assuming the loan are separate processes. '' I contacted the Consumer Mortgage Dept and was told I must apply for a " Qualified Assumption '' at the cost of anywhere from XXXX and current loan terms and conditions would apply. 

When I mentioned the Federal Law under the CFPB I was told this is what Truist does.

This is the rule/interpretation our Estate Attorney referenced that was clarified on XX/XX/XXXX, most of which took effect in XX/XX/XXXX. " Todays interpretive rule explains that because an heir has already acquired the title to the home, adding the heir as a borrower on the mortgage does not trigger the Ability-to-Repay requirements. The rule does not require the creditor to determine the heirs ability to repay the mortgage before formally recognizing the heir as the borrower. " I have been on the Deed since the property was purchased over 20 years back. This was given to Truist. They do not care.

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 2025-03-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SANTANDER HOLDINGS USA, INC.
State: TX

Complaint narrative:
Round 1 ( 1692g Validation of Debt ) Name : XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, Tx, XXXX. 
XXXX : XXXX DOB : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I received a copy of my credit report and found the following items to be errors. The items in question are listed below : Crditor Name : SANTANDER CONSUMER USA Account Number : XXXX Please VALIDATE this information with the creditors and PROVIDE ME WITH ANY DOCUMENTATION associated with these accounts, such as an ORIGINAL CONTRACT BEARING MY SIGNATURE. I formally request that this information be immediately corrected or deleted from the credit file you maintain under my social security number.

Please note that you have 30 days to complete your investigation as per the FAIR CREDIT REPORTING ACT section 623 ( a ) ( 3 ). I am keeping a careful record of your actions. Failure to respond satisfactorily within 30 days of receipt of this letter will result in a small claims action against your company. I will be seeking damages for : Defamation Violation of the Fair Credit Reporting Act Please be aware that, depending upon your response, I may be detailing any potential issues with your company via the XXXX XXXX XXXX. 

Additionally, please remove all non-account holding inquiries over 30 days old. 
Thank you for your cooperation in this matter. 

Sincerely, XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation