vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-13 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ECMC GROUP, INC.
State: CA

Complaint narrative:
I filed for Bankruptcy XX/XX/XXXX because I still had NOT recovered from the devastation of XXXX XXXX. I was homeless for more than a year after XX/XX/XXXX. I was having trouble finding steady employment. XXXX or ECMC never offered any Hurricane Disaster Relief, Forgiveness or any type of Financial, Mental and Physical Hardship forgiveness. I added the Student Loan in my Bankruptcy because I DO NOT RECALL being a XXXX  at XXXX XXXX in the Summer of XX/XX/XXXX. I attended and XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX - XX/XX/XXXX. My previous attendance and affiliation with XXXX XXXX is somehow being used here. If I were a STUDENT at that time, how was I able to CONTINUE an education, when my LIFE was turned upside DOWN and inside OUT? I WAS HOMELESS FOR MORE THAN A YEAR. I had only the clothes on my BACK and the shoes on my FEET. You people are making me RELIVE the most CHAOTIC events in MY LIFETIME. I am asking NOW, to have this Student Loan, listed as Closed/Paid due to XXXX XXXX, the WORST Natural disaster to hit the United States XXXX There are people who have been granted tens of thousands of dollars in student loan relief/forgiveness, and those people NEVER suffered the devastation that I suffered in XXXX XXXX. I am being harassed/hounded for a XXXX XXXX XXXX student loan that has a balance of {$4000.00}, and again, there are people whose student loans were forgiven in the TENS of THOUSANDS of dollars, WHO HAVE NOT SUFFERED the LOST, the TRAUMA, the DEVASTATION that I SUFFERED. If this Student loan does NOT meet the Criteria for Disaster Relief/Forgiveness, Financial, Mental and Physical Hardship, then I must be dealing with XXXX and/or Age Discrimination, and if this is the case, I will take action based on those facts.

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 2024-11-13 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: IL

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-13 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Precision Capital Mediation
State: WA

Complaint narrative:
Was contacted by Precision Capital Mediation XXXX XXXX XXXX XXXX XXXX KY XXXX XXXX via phone calls to both my work and personal number. I advised them to quit calling my work number and just today the collector called my work phone number back to back 8 times. I received documenting on who has the debt now but nothing indicating who the original one was. I sent back to them notice that I had enrolled with XXXX debt resolution and that the debt was settled and paid. They continue to call and continue harassment on the phone. 
The number that keeps calling is XXXX XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2024-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I hope this letter finds you well. I am writing to seek your assistance in updating several accounts on my credit report. I have noticed that certain information pertaining to these accounts is outdated or incorrect, and I am keen to have my report accurately reflect my current financial situation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EdFinancial Services
State: UT

Complaint narrative:
The account was removed from my credit due to payments meeting criteria for the XXXX payments qualifying me for student loan forgiveness.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-13 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Harris & Harris, Ltd.
State: DC

Complaint narrative:
Dear Harris & Harris, 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. 
XXXX. Proof that the original creditor securitized the debt. 
XXXX. 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 2024-11-13 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:
I am writing to formally dispute inaccurate information being reported on my credit report regarding a charge off. The account in question is XXXX XXXX XXXX It has come to my attention that the charge-off is being reported month after month on my payment history, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as charge-off should only be reported once, corresponding to the date it was charged off. 
The FCRA requires that credit reporting agencies ensure the accuracy of the information they report ( 15 U.S.C 1681 e ( b ) ). Repeatedly reporting the charge-off each month result in a misleading and inaccurate credit report, which has significantly harmed my credit score. Additionally, the statute of limitations for reporting a charge off is seven years from the date of the first delinquency that led to the charge-off ( 15 U.S.C. 1681 c ( a ) ( 4 ) ). Continuously reporting this charge off as a new event each month does not reset the statute of limitations and is improper.

I request that you promptly investigate this account and correct the inaccurate information by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide me with a confirmation of these corrections. 
Thank you for your prompt 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 2024-11-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: LJ Ross Associates
State: FL

Complaint narrative:
I am writing in regard to the alleged debt you are attempting to collect. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 1692g Sec. 809 ( 8 ), I dispute the validity of this debt in its entirety and request that you provide me with full validation of the same.

Please provide the following information : **Proof that I am responsible for the debt** : Documents demonstrating that I owe this debt.

**Details of the debt** : A detailed explanation of the amount owed, including a breakdown of all charges and payments applied.

**Name and address of the original creditor** : If this debt has been sold or transferred, I need to know the name and address of the original creditor.

**Proof of your authority to collect this debt** : Documents showing that your agency has the legal authority to collect this debt on behalf of the original creditor.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-13 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Rosebud Economic Development Corporation
State: MI

Complaint narrative:
I received 2 phone calls at work and on my cell from a XXXX number a XXXX " Compliance Officer '' stating that he was asked to get ahold of me to serve me papers. If I wanted to know more, I would need to call XXXX, which I did. When calling, they did not answer with a company name, but transferred me. I was then told that Zocaloans was trying to sue me. Stated they would put a lien on my house and garnish me, and that they were a " Medication '' Company called XXXX. I asked for their address, and was told " sorry I can't hear you, hold on '', then I was hung up on. I called back and got their VM, asking for their address, received one back from a XXXX XXXX, stating that the address is not something that is to be given out. Asked for a call back to finalize claim or resolve it. I have not called back.

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 2024-11-13 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: MARINER FINANCE, LLC
State: TX

Complaint narrative:
I am writing to formally address a concern regarding XXXX XXXX 's business practices. It has come to my attention that your company has been charging consumers for add-on products that were either not disclosed to them at the time of purchase or were added without their explicit consent. My loan was between $ XXXX {$XXXX} and when I spoke to them today she said I still had 52 months left and my balance was {$XXXX} due to fees. I asked her way my balance was so high when that is not what I received or signed up for. She simply said the fees are high. 

Consumers should not be charged for any products or services that they did not agree to purchase, nor should they be subjected to hidden fees or charges that are not clearly explained. These add-on products, which many consumers were unaware of or did not intentionally select, raise serious questions about the transparency of your business practices and the fairness of your transactions. 

I request that you immediately investigate and review the sales practices used to offer and charge for these add-on products. Consumers deserve to know exactly what they are agreeing to when they enter into any financial agreement with your company, and they should not be held responsible for products they did not explicitly opt into. I expect that XXXX XXXX will take corrective action to ensure that all charges are fully disclosed, transparent, and in compliance with consumer protection laws. 

If you have any records regarding the specific charges and add-ons applied to my account, I ask that you provide a detailed breakdown to me. Furthermore, I expect a prompt resolution of this matter, including the reversal of any unapproved charges. 

Thank you for your immediate attention to this issue. I look forward to your response and a timely resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-13 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: VI

Complaint narrative:
on XX/XX/year> I submitted my valid request to the credit reporting agencies that I am a victim of XXXX XXXX and according tot he FCRA 605C all negative items should be blocked and deleted from my credit report within 4 days. I've submitted my attestations form, statement stamped and sealed by a government agency and my ID for verification.

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 2024-11-13 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
This account is not mine and has not been used by me. This account is being reported on my consumer report without my consent

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
My account with XXXX XXXX TRANSUNION was never late! I have had exceptional payment history all payments were placed on XXXX. 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 to be 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. 


XXXX XXXX TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

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!

Update the late payments from my consumer reports

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 2024-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
My account with XXXX EXPERIAN XXXX was never late! I have had exceptional payment history all payments were placed on XXXX. 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 to be 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. 


XXXX EXPERIAN XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

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!

Update the late payments from my consumer reports

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 2024-11-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: VA

Complaint narrative:
I received this notification from PayPal You can't use PayPal anymore At PayPal, we value a safe community for our customers to do business. We noticed activity in your account thats inconsistent with our User Agreement and we no longer offer you PayPal services. 

Based on this decision, if applicable, you are no longer eligible for PayPal XXXX XXXX as per our User Agreement. This will apply to all existing and future cases you receive. 

Any bank or credit card information linked to your PayPal account can not be removed nor can it be used to create a new account. You can still log in and see your account information but you cant send or receive money. Any money in your balance will be held for 180 days, after which well send you an email with instructions about transferring your money. 

Reference ID : XXXX my funds are also on hold ( {$XXXX} USD My complaint is that I have not been involved in anything illegal, I send money to wife and online gaming company. I have doing this for years. I requested my money from online merchant, and the next day PayPal blocked my account permanently. 

I strongly oppose the decision, I have XXXX children and a wife to take care, they took it upon themselves to banned me from PayPal, on hold funding that is used to support my household They said they would release the money on XX/XX/XXXX of next year, but this is illegal, because there is no evidence or policy on what violated, apparently, they have been doing this to many customers, and this has to stop, I don't care to use PayPal anymore, but I like my money released immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report. It shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1691i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, 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 investigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-13 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: NJ

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$XXXX} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them "

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-13 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: CA

Complaint narrative:
I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I am in the process of buying a home for my family and this has been hurting me. Please remove these incorrect personal information from my credit report as soon as possible.

Company response to consumer: Closed with non-monetary relief