vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-05 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
This letter serves as a formal request for validation of an alleged debt your agency has claimed to collect. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and to ensure full compliance with my rights under federal and state laws, I am hereby requesting the following documentation : 1. Validation of the Original Debt : A complete statement identifying the original creditor, the debts initial amount, and an itemized breakdown of any fees or interest accrued since origination.

2. Proof of Collection Authority : Documentation confirming your agencys legal right to collect this debt, including any signed agreements and a complete chain of title tracing ownership from the original creditor to your agency.

3. Verification of Statute of Limitations : Confirmation that this debt remains within the applicable statute of limitations for collection within my state, as the collection of expired debts may constitute a violation of both federal and state laws.

4. Original Purchase Agreement : In compliance with the Uniform Commercial Code ( UCC ) 3-305, I request a copy of the original purchase agreement and assignment of debt, demonstrating your agencys legal authority to act as creditor.

As required by 15 U.S.C. 1692g ( b ), all collection and reporting activities to any credit bureaus must immediately cease until this debt has been fully validated. Failure to provide these documents will be understood as confirmation that no valid debt exists, and I will pursue all necessary legal remedies to enforce my rights. 

Thank you for your prompt and complete compliance with this demand.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-05 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: FL

Complaint narrative:
To Whom It May Concern, This letter serves as a formal request for validation of an alleged debt your agency claims to collect. In accordance with my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I request full validation of this debt and all supporting documentation.

To comply with my request, please provide : 1. Proof of the Original Debt : Detailed information about the original creditor, the debts initial amount, and an itemized account of any fees or interest added.

2. Proof of Your Authority to Collect : Documentation of your agencys legal right to collect on this debt, including any relevant agreements and chain of title from the original creditor.

3. Verification of Statute of Limitations Compliance : Confirmation that the debt remains within the applicable statute of limitations for collection within my state.

4. Original Purchase Agreement : As per Uniform Commercial Code ( UCC ) 3-305, I request a copy of the original purchase agreement and assignment of debt, which establish your agencys authority to act as the creditor.

As required under 15 U.S.C. 1692g ( b ), all collection efforts and reporting activities to credit bureaus must cease until you validate the debt with the requested documentation. Should you be unable to provide these documents, I will assume the debt to be invalid and take further actions to protect my rights. 

Thank you for your prompt attention to this matter. 

Sincerely,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-05 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: PA

Complaint narrative:
Sent a dispute a month ago for an account that was reporting inaccurate and it was unverified. I REQUESTED THAT THE ACCOUNT BE DELETED FROM MY CONSUMER REPORT. THIS DID NOT HAPPEN. THIS IS A CLEAR VIOLATION OF THE FCRA AND THE FDCPA. THIS ACCOUNT IS STILL REPORTING AFTER I SENT IN THE DISPUTE. SINCE THIS ACCOUNT HAS NOT BEEN VERIFIED AND IS STILL REPORTING INACCURATE INFORMATION ON MY CONSUMER REPORT, I WILL BE SEEKING REMEDY FOR DAMAGES UNDER THE FCRA AND THE FDCPA.

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 2024-11-05 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Collection Bureau of the Hudson Valley, Inc.
State: MD

Complaint narrative:
Collections Bureau Of Hudson VA Acct Number XXXX Date fraud began XX/XX/year> Amount {$1200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Consumer Adjustment Company Incorporated
State: IL

Complaint narrative:
XX/XX/XXXX I provided information proving to XXXX that the information on there account was wrong and they refused to correct it. XX/XX/XXXX I also reached out the the actual company themselves and they also refused to change it send any paperwork validating the debt and gave a vague response back not indicating weather or not the situation was going to be cleared up. I want XXXX to be held responsible. It's their job to make sure information is accurate. 
XX/XX/XXXX I got an alert and a bunch of phone calls from XXXX XXXX. Then I checked and saw searched online and saw it was my old XXXX XXXX that I opened in XX/XX/XXXX my loan balance was {$2400.00}. I got an alert on my credit XX/XX/XXXX that CONSUMER ADJUSTMENT CO XXXX XXXX stated I have a balance of {$3300.00}. Which wasnt my loan amount. I was told by XXXX XXXX in XX/XX/XXXX that if I lost my job they would close the account as long as I was making payments. And I showed closed for years. Now I get this CONSUMER ADJUSTMENT CO collection notice. I sent CONSUMER ADJUSTMENT CO a letter XXXX XXXX asking to validate the debt and to validate the information was correct and I never heard back. But a vague response that didn't correct anything. Theyre trying to charge me for a loan that was told to me was closed and the loan amount isnt even correct. They never responded to my letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
Resurgent capital services will not delete the debt i have no idea about off my XXXX and XXXX. The debt only appears on those credit reporting sites. XXXX removrd the debt. XXXX  XXXX XXXX doesnt even exist no more so i shouldnt have to pay any debt. I been trying to get it removed but they keep telling me to file a police report but i fant because i dont know how or whats going on this is messing up my credit for absolutely no reason. XXXX deleted this off my credit but they wont let XXXX  or XXXX remove it

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-05 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: FL

Complaint narrative:
My name is XXXX XXXX and Social Security Number : XXXX, and Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and 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 2024-11-05 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAINE & WEINER COMPANY, INC.
State: TN

Complaint narrative:
VALIDATION AND CEASE AND DESIST Collection agency name : Caine and Weiner ( Progressive ) Address : Account number:XXXX  Your NAME : XXXX XXXX Your address:XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Dear Caine and Weiner ( Progressive ) I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: FL

Complaint narrative:
I am writing to express my deep dissatisfaction with the service I have received from MOHELA regarding my student loan account. As I begin my repayment journey, my experience with MOHELA has been marked by persistent delays, inconsistencies, and unhelpful interactions that have only added to the stress of managing my student loans. 

Whenever I reach out to customer service, I encounter extremely long wait timesoften exceeding an hourjust to speak with a representative. When I finally connect with someone, I am met with inconsistent information and, on occasion, unprofessional behavior that leaves me more confused than when I started. Additionally, my online account has disappeared on different occasions, requiring me to create new login credentials each time, which is both inconvenient and concerning.

MOHELAs representatives have informed me that I am on a deferment, yet I receive conflicting end dates each time I inquire. As a recent graduate with limited income, I can not afford the {$4800.00} monthly payment currently scheduled. While I was told an extension of my deferment is possible, I would still incur accruing interest, which doesnt address my financial situation. Other healthcare professionals I know, including my brother, have been able to get forbearance without interest accrual through other loan servicers, particularly due to the current pause on the SAVE plan. When I inquired about this option with MOHELA, I was told it wasnt available, which seems inconsistent with others experiences. 

In a recent call, after waiting over an hour, I was transferred to an advanced representative ( which I had to wait for another hour to get transferred to ) who ultimately couldnt assist me any further. This cycle of miscommunication and lack of support is deeply frustrating, especially when peers are receiving effective assistance from their loan servicers. Managing my XXXX  student loans is already a significant burden, and MOHELA 's handling of my account has only intensified the stress. 

I am requesting prompt and clear guidance on my options for managing my loan balance and a resolution to the service challenges I have encountered. Please advise on how I might receive more reliable assistance and accurate information moving forward.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-05 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: MT

Complaint narrative:
Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat this item is being reported correctly? Who verified this item? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im ab
out to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the item listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ITEM? I believe you have not verified this item based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. XXXX XXXX XXXX XXXX XXXXXXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations

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 2024-11-06 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: VA

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX XXXX XXXX, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXXXXXX XXXX and would like for all listed account to be blocked and deleted company information from TransUnion. 

Please delete the following account : XXXX Account number : 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 2024-11-06 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: NC

Complaint narrative:
The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations

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 2024-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: DISCOVER BANK
State: MD

Complaint narrative:
XXXX XXXX ACCOUNT NUMBER XXXX DATE FRAUD BEGAN XX/XX/year> AMOUNT {$1400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-05 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: IL

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

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 2024-11-06 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: MI

Complaint narrative:
It is crucial that consumer reporting agencies uphold their grave responsibilities when it comes to the handling of consumers personal credit files. After performing a re-investigation upon my credit file for accounts XXXX XXXX pursuant to 15 USC 1681ia1a, your company failed to follow proper procedures in regard to correspondence to me the consumer, in the handling of the reinvestigation. As clearly outlined within, 15 USC 1681i ( 7 ) ; 15 U.S. Code 1681i - Procedure in case of disputed accuracy Subchapter 7 states the following ; ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a detailed description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. Further outlined within 15 USC ( 6 ) ( B ) ( iii ) ; ( 6 ) Notice of results of reinvestigation ( A ) In general A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency. ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. The correspondence mentioned above was NEVER made to me and therefore, your company is in direct violation of the FCRA and is now liable for monetary damages detailed within 15 USC 1681n and 15 USC 1681o. Not only was a proper reinvestigation not performed as the derogatory account mentioned is erroneous to begin with, your agency failed to follow the FCRAs clear rules in the handling of correspondence to me in association with the account in question. Please delete this erroneous account as I have sought legal counsel in this matter and intend on seeking damages associated with this complaint if this issue is not resolved. Thank you for your time.

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