vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-16 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: T.S. Holdings
State: CA

Complaint narrative:
Companies Involved : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Complaint Details : I am filing this complaint against XXXX XXXX XXXX XXXX IQ Data XXXX for unlawful retention of my security deposit, failure to provide notice of an alleged debt, and illegal credit reporting. These companies have violated multiple federal and state consumer protection laws, causing financial harm and emotional distress. 
1. Unlawful Retention of Security Deposit I moved into XXXX XXXX XXXX  on XX/XX/XXXX and moved out on XX/XX/XXXX. 
Before vacating, I fully cleaned the unit and recorded a video as proof since the property manager refused to conduct a walk-through. 
The property manager stated that I would receive a full refund of my {$890.00} security deposit. 
However, XXXX XXXX failed to return my deposit or provide a breakdown of any deductions, violating California Civil Code 1950.5 ( g ) ( 1 ) - ( 2 ). 
2. Illegal Debt Collection Practices Violations of the Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692g ) XXXX XXXXXXXX XXXX never provided any invoice, notice, or billing statement before referring me to collections. 
On XX/XX/XXXX, I received a debt collection letter from IQ Data XXXX claiming I owe XXXX XXXX was the first time I was ever notified of any alleged debt. 
Under 15 U.S.C. 1692g, I have the right to debt validation before any collection activity, which IQ Data XXXX failed to provide. 
3. Unlawful Credit Reporting Violations of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681s-2 ) IQ Data XXXX and XXXX XXXXXXXX XXXX reported a fraudulent debt of {$280.00} to XXXX, XXXX XXXX XXXX 
Under 15 U.S.C. 1681s-2 ( a ) ( 1 ), furnishers must ensure the accuracy of reported information. 
Since I never owed this debt, the reporting is false and illegal under the FCRA. 
4. Unfair & Deceptive Business Practices California Business & Professions Code XXXX XXXX XXXX XXXX failed to provide a security deposit refund or any valid charges after I moved out. 
They also refused to conduct a walk-through inspection, preventing me from addressing any alleged issues before leaving. 
This conduct is deceptive, unfair, and unlawful under Californias consumer protection laws. 
Requested Resolution :

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: CO

Complaint narrative:
just got notified from my XXXX account that a collection debt was posted XXXX from Credence Resource Management that was opened XXXX possible from XXXX XXXX XXXX for {$320.00}. I have never had XXXX XXXX XXXX in my life.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: Exeter Finance, LLC.
State: SC

Complaint narrative:
DUE TO CIRCUMSTANCES BEYOND OUR CONTROL AT TIMES I FELL BEHIND ON THE PAYMENTS BUT NOT SO FAR FOR THE VEHICLE TO BE REPOSSED OR PUT ON THE REPOSSESION LIST. 
WHILE COMMUNICATING WITH THE LENDER THEY OFFERED TO DEFER THE PAYMENTS TO THE END OF THE LOAN BUT NEVER INFORMED ME I WOULD HAVE A BALLOON PAYMENT AFTER THE LOAN WAS PAID OFF. 
MY LOAN ENDS IN XXXX AND THEY JUST TOLD ME I WOULD OWE AN ADDITIONAL {$4000.00} IS IT MANDATORY FOR THE LENDER TO INFORM THE BUYER FULL DISCLOSURE OF THE TERMS OF DEFFERMENT?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX To whom this letter may concern, I am writing to inform you that I am disputing the reinsertion of previously deleted accounts XXXX  XXXX, ACCOUNT NUMBER : XXXX, BALANCE : {$1000.00}, XXXX  XXXX # XXXX BALANCE {$780.00}, XXXX XXXX, # XXXX BALANCE {$790.00}, XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$0.00}, XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX on my credit report. I have already disputed this inaccurate information on my report and it was deleted, but it has now been added back on without any written notice from your end. 

According to the Fair Credit Reporting Act ( FCRA ), an item can not be reinserted onto my credit report without written notice by the credit bureaus. I have not received any such notice and therefore, the reinsertion of these items is a violation of my rights under the FCRA. 

In accordance with the requirements of the FCRA section 611 ( a ) ( S ) ( B ) | ( ii ), you are required to notify me of the reinsertion in writing within 5 business days.

( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice to consumer If any information that has been deleted from a consumer 's file pursuant to subparagraph ( 4 ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.

I received no such notification. This is a very serious violation of the FCRA, and I reserve the right to pursue legal action for your blatant disregard for the law.

I hereby demand that you immediately delete the item from my credit report in order to avoid legal action. I am submitting this complaint separately to the Consumer Financial Protection Bureau, the Attorney General 's Office, and the XXXX.

Please govern yourself accordingly.

I am requesting that these items be deleted from my credit reportimmediately, and an updated credit report be provided to me. If action is not taken promptly, I will have no choice but to escalate the matter to the Federal Trade Commission ( FTC ) and file a complaint. I will also seek legal representation if necessary, as this issue is wasting my time and affecting my mental health. 

I hope you will take this matter seriously and resolve it as soon as possible. Thank you for your attention to this matter. 

Sincerely, 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 2025-02-16 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXXXXXX XXXX {$96.00} XX/XX/year> 15 U.S.C, 1681section 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On XXXX I sent a letter regarding inaccurate and unknown things on my credit report. On this day over 60 days later, I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days give a reason to immediately remove those items from credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by Equifax data breach and may have gotten into the hands of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-16 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: GA

Complaint narrative:
I received a copy of my credit report and found the following item ( s ) to be in error : Experian : Address : XXXX XXXX XXXX XXXX, XXXX XXXX- DELETE

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: CA

Complaint narrative:
On XX/XX/year>, I, XXXX XXXX, received an email claiming the status of the account was changed to " an Income-Driven Repayment Plan '' and that an application for that plan was in process. I never applied for any repayment plan nor forbearance. I submitted a 1099-C Copy B form, that I received in the mail from Nelnet, proving cancellation of debt. A closure of the account should have followed. Instead, the account has undergone fraud on several occasions. 

During my several attempts at communication with NELNET ( by phone, email, fax, and USPS mailing ), I thoroughly explained and submitted proof how fraud was committed by NELET INCORPORATED to Nelnet. To date, they are operating the account without authorization or permission from the debtor BY THE LENDER. The lender has changed the status on the account multiple times without the debtors signature or request. 

These actions are fraudulent because the debt was discharged from NELNET via the IRS 1099-C Copy B form that was sent to the debtor. Instead of the account being properly closed, the account balance and status was improperly changed. The discharge of debt copy B form NELNET was sent via the mailing system and should be fully upheld. 

History of Fraud by Lender : XX/XX/year> administrative forbearance ( {$24000.00} ) XX/XX/year> income-driven repayment plan ( {$24000.00} ) XX/XX/year> administrative identity theft forbearance ( {$24000.00} ) The accurate discharged loan balance purchased from Great Lakes reflected in NELNETs balance prior to unauthorized changes to the account was {$24000.00}. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Problem lowering your monthly payments
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
Think the interest was way too high and it seems like I've been paying paying and it just doesn't seem to get paid off. So they need to do something about this. Ridiculous

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-16 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIZENS FINANCIAL GROUP, INC.
State: NC

Complaint narrative:
On XX/XX/XXXX Citizens Bank reported to the credit bureaus a charge off/settled for less than full balance credit card of {$11000.00}. Then in XXXX of XXXX Citizens Bank sent the IRS at 1099-C in the amount of {$21000.00} for that said credit card for tax year XXXX, which is false. I have never received a 1099-C & still have not.I was made aware of this in XXXX of XXXX when I received a letter from the IRS claiming I had unreported income for tax year XXXX in the amount of {$21000.00} from cancellation of debt from Citizens bank , which is also false and that I owe the IRS {$9900.00}. I responded to the IRS with documentation and then I received a letter in XX/XX/XXXX from the IRS stating that after reviewing the documentation no further action was needed on my account. Then in XXXX of XXXX I received a letter of deficiency from the IRS. So I'm still fighting this I have now petitioned the tax Court and have heard back from an appeals attorney who I showed her all the documentation she doesn't know why I received a letter stating that no action was needed on my account and then it's deficiency letter but she recommends paying the IRS. After hours of trying to contact Citizens Bank and trying to find somebody who can find anything related to my name when I finally got to someone they told me that they're not authorized to send out any copies of 1099c 's and then it can take several years after charge-offs and reporting to credit bureaus that it finally be closed in the meantime you're still accruing the debt. The IRS website itself States the 1099c MUST be filed with the IRS NO later than 1 year following the cancellation which it was 4 before they filed it. So I'm still fighting it. Citizens bank knowingly falsified the amount and the year on the 1099-C when they sent it to the IRS because they reported it closed, charged off, settled for less than full balance for XXXX. To the credit Bureaus In XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-16 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: WI

Complaint narrative:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on 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 2025-02-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
There was a data breach and my information and account were compromised.I informed Capital One of this problem

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-16 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: TFC Credit Corporation of California
State: CA

Complaint narrative:
the account is with XXXX  for XXXX XXXX XXXX XXXX XXXX. they have failed to report the payments i have made, failed to work with me on payment options contacted the school for help they did not respond in XXXX of XXXX school asked me to get a private loan to buy out the XXXX the school tried to collect on the debt that is supposed to be the XXXX, the XXXX account reported to the credit bureau that the account was closed in XX/XX/XXXX but it is continuing to send me statements requesting payments, most recently XX/XX/XXXX is the statement from XXXX that i received. the school is also refusing to release my transcripts

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: GA

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MD

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-16 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: WI

Complaint narrative:
I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards that I am not aware of. This happened when CFPB started having issues weeks ago and consumers privacy was put at risk. I have no knowledge of obtaining any of these here. Please remove these items and send me an updated copy of my report after the investigation. Help me please. 
XXXX XXXX Balance : {$16000.00} XXXX XXXXXXXX XXXX Date of Inquiry XX/XX/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-16 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: CA

Complaint narrative:
Multiple accounts requested to be deleted some are the same accounts. Reported inaccurate information. Also there is an also known as XXXX XXXX. This name is not mine nor have i ever used that name for any reason. These accounts are impacting my credit negatively.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-16 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: HW Holding, Inc
State: IL

Complaint narrative:
Complaint Against Hunter Warfield , Inc. for Unlawful Credit Reporting and Debt Collection Practices I am filing this complaint against Hunter Warfield , Inc. for violations of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ) due to improper debt collection and unlawful credit reporting practices.

1. Unlawful Credit Reporting ( Debt Parking ) Hunter Warfield , Inc. reported an alleged debt to my credit file without a permissible purpose, violating Regulation F ( effective XX/XX/XXXX ) and FDCPA 1006.30 ( a ). 
This debt was added to my report without my knowledge or consent, causing financial harm. 
2. Lack of Permissible Purpose ( FCRA Violation ) Under 15 U.S.C. 1681b ( 2 ), I never provided written authorization for Hunter Warfield , Inc. to report or share my financial information.

The company has no legal basis to disclose my personal data to third parties.

3. Unauthorized Use of Personal Information & Potential Identity Theft Hunter Warfield, Inc.s actions may constitute Aggravated Identity Theft ( 18 U.S.C . 1028A ) by knowingly using my personal information without lawful authority.

Their unauthorized actions have caused financial harm and unnecessary stress.

4. Failure to Respond to a Formal Dispute & Cease-and-Desist Request On XX/XX/XXXX, I sent Hunter Warfield, Inc. a dispute and cease-and-desist request via certified mail regarding this alleged debt.

They have failed to respond, violating 15 U.S.C. 1692c ( c ), which prohibits further collection or communication after receiving a written request to cease.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: SANTANDER HOLDINGS USA, INC.
State: GA

Complaint narrative:
Santander consumer has been charging me interest daily on my account. I been paying late because of my financial situation but I am being charged some exorbitant fees for my account that I have been maintaining for the last 5 years. I really need some intervention on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-16 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: MS

Complaint narrative:
They close my cash app account I could get ahold of anyone because they didnt have customer service

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-16 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: NC

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

TransUnion : Account # XXXX ( XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX {$250.00} ) Has violated my rights. 

15 U.S.C. 1681 Section 602 A. states that 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 an account without my written instructions.

15 U.S.C. 1681 C. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items 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