vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-10 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: GA

Complaint narrative:
To Whom It May Concern, I am writing regarding the alleged debt ( s ) appearing on my consumer report as a " charge-off. '' This communication serves as both a formal dispute under the Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692 ) and a request for compliance under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ). If there are additional account details you believe pertain to this matter, I request that you provide those as well, as part of your obligation under 15 U.S.C. 1692g.

Pursuant to 15 U.S.C. 1692g, I dispute the validity of this alleged debt and demand verification. Please provide : 1. Proof of the original creditors claim, including a full accounting of the debt 's origin, itemized charges, fees, and dates of transactions. 
2. Evidence of your legal authority to collect this debt, including an unbroken chain of assignment or sale of the debt.

3. Documentation of my liability, specifically a signed contract or agreement demonstrating my consent to the debt and its terms.

Until you can validate this debt with the required documentation, you are prohibited from any further collection activities, including reporting this debt to consumer reporting agencies, under 15 U.S.C. 1692g ( b ).

Under the FCRA, inaccurate or unverified information must be deleted from my consumer report. If you are unable to provide verifiable proof of this debt, I demand its immediate removal from all consumer reporting agencies to which you have reported it.

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 2025-01-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NCB Management Services Inc.
State: CA

Complaint narrative:
This company must remove all collections against my credit reports immediately. My dispute is based upon the Federal Trade Commission guidelines pertaining to either debt collections as a third-party, or debt buyers in general. The rules are as follows : 1. A debt collector/buyer must be bonded and licensed by the National Mortgage Licensing Service . 
2. The debt must be legally collectible within the states jurisdiction where the creditor resides.

3. Creditor must be given copies of debt collector/buyer license, bonding number with insurance carrier name and address, a copy of any assignment to collect on original creditors behalf, and/or copies on ant ownership transfer with true copy certification.

4. A debt purchase must have an assignment number and be registered with the National Mortgage Licensing Service.

5. Any debt not within these guidelines must be deleted from a consumers credit report with prejudice.

6. This company has posted one or more out dated collection against my credit report. It looks like the account was over 7 years old, and the information was acquired through a debt pooling service. The collections must be deleted permanently!!! 
7. Debt Buyers obtain assignments of uncollected debts in bulk, without individual purchase agreements, which is a violation of requirements with the NMLS, and in most cases can not be valued as true ownership under XXXX. 
8. Accordingly, this debt buyer must prove these requirements or delete any collection on all pertinent credit reports ; i.e. XXXX, XXXX and XXXX XXXX respectively. 

XXXX XXXX XXXX  DELETE THIS ACCOUNT PERMANENTLY!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Exeter Finance, LLC.
State: GA

Complaint narrative:
I verified with an account rep that I had ten days to submit car loan payment. I logged and submitted the payment on XXXX and received confirmation. Today XXXX I received an email from the business stating that the payment was received on XXXX but they reversed it on XXXX and assessed the account a fee. I called my banking institute to inquire about the ACH transaction, they rep verified that the funds were available. They also denied that a transaction was blocked by the lender. Directly after that call I called the lender who proceeds to tell me the reason they reversed the payment was either because the financial institution blocked the transaction or insufficient funds. My checking statement will verify that the account had more than enough money to cover the loan payment. The lender is using deceptive practices when processing payments, and applying fees to increase the corporation 's revenue profits while trying to hold the consumer responsible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 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: MD

Complaint narrative:
PLEASE BLOCKED AND REMOVED Please remove these fraudulent accounts from my credit report, as I did not open them and was unaware of their existence. According to USC 1681g, I request their deletion within 15 days. Enclosed are supporting documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 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: MS

Complaint narrative:
These accounts were not authorized or initiated by me, and it is unjust for me to be responsible for them. I implore you to promptly correct this error.

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 2025-01-10 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: MS

Complaint narrative:
These accounts were not authorized or initiated by me, and it is unjust for me to be responsible for them. I implore you to promptly correct this error.

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 2025-01-10 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: CA

Complaint narrative:
The persistent presence of fraudulent and inaccurate information on my consumer report continues to cause significant disruption in my life, despite my numerous attempts to resolve these issues. As a victim of identity theft, I never authorized or consented to these entries being associated with my name, yet their ongoing presence has generated immense stress and XXXX  while severely impacting my financial stability and everyday wellbeing.

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 2025-01-10 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: CA

Complaint narrative:
On XX/XX/XXXX Mohela accepted into review an application for School Misconduct Discharge that I had sent to them alongside numerous pieces of evidence. 

The purpose of this application is to discharge the private loans taken out to attend XXXX  XXXX XXXX XXXX XXXX, a school found by the Dept of Education to have engaged in fraudulent behavior. 

Today, XX/XX/XXXX, I received a denial of that application. The reason given for denial is : A variety of factors are considered in determining whether a private loan should be discharged based on school misconduct and you do not meet the requirements for discharge based on misconduct by your school. 

Upon contacting Mohela to inquire what exactly they need from me, the customer service advocate simply restated the exact language found in the denial letter. 

This is troubling especially considering that less than 48 hours prior to receiving this denial I got an e-mail from the Dept of Education affirming that the government has found my school in violation : The U.S. Department of Education ( ED ) is writing to provide an update on our prior determination that some or all of your federal student loans should be discharged based on misconduct by your school. We previously notified you that the federal student loans you received to attend XXXX XXXX XXXX during the period of XX/XX/XXXX through XX/XX/XXXX would be discharged because ED concluded that your school made pervasive and widespread substantial misrepresentations which borrowers relied on to their detriment, and/or violated state consumer protection laws. 

Mohela is forcing me to operate in the dark, by rules that they will not share. 

I have attached my denial from Mohela as well as my application and the evidence I provided them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 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: FL

Complaint narrative:
I disagree with the account listed below which still appears on my credit report, even after your investigation. I would like this immediately re-investigated. The inaccuracies are highly injurious to my credit score. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Transunion : XXXX XXXX XXXX XXXX In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611. 
Please provide the names and business addresses of everyone with whom you verified above so that I XXXX follow up. Please send me an updated copy of my credit report after your investigation.

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 2025-01-10 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: FL

Complaint narrative:
I disagree with the account listed below which still appears on my credit report, even after your investigation. I would like this immediately re-investigated. The inaccuracies are highly injurious to my credit score. 


XXXX XXXX XXXX XXXX XXXX XXXX Equifax : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611.

Please provide the names and business addresses of everyone with whom you verified above so that I XXXX follow up. Please send me an updated copy of my credit report after your investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-10 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: FL

Complaint narrative:
Request for Verification and Removal of Account from Credit Profile Dear XXXX Team, I am writing to formally request that you investigate and remove an inaccurate item from my credit profile. I, XXXX XXXX, have made several attempts to contact the creditor, XXXX, regarding this matter and have requested verification and proof of the account. However, my requests remain unanswered. Therefore, I am seeking your assistance in this matter. 
As per my rights under the Fair Debt Collection Practices Act ( F.D.C.P.A. ), I humbly request that your agency provide valid proof of claim that I am legally obligated to pay the alleged debt. Additionally, I am requesting the following : The amount you claim I owe. 
An explanation showing how the amount was computed. 
Copies of any documents that prove I agreed to pay the alleged amount. 
The identity of the original creditor. 
Confirmation that the account has not exceeded the statute of limitations ( SOL ) period. 
Evidence that XXXX is a licensed debt collector. 
Evidence of XXXX  license numbers and registered agent. 
Additionally, I request that you remove any outdated or unreachable addresses and phone numbers from my credit profile. Please ensure that my name is updated to reflect the only name I go by, which is XXXX XXXX. 
Please be informed that if your agency or the creditor you represent has reported unverified account information to any of the major credit bureaus ( TransUnion, XXXX, XXXX ), it constitutes a fraudulent action under both federal and state laws. If any negative item related to this account remains on my credit report without proper validation, I will be compelled to take legal action for the following violations : Violation of the Fair Credit Reporting Act ( F.C.R.A. ) Violation of the Fair Debt Collection Practices Act ( F.D.C.P.A. ) Defamation of character Unauthorized use of my copyrighted property I urge you to review and resolve this matter promptly. Please confirm in writing once the disputed item has been removed from my credit profile. 
Thank you for your attention to this matter. I look forward to your prompt response. If you require additional information, I can be reached at XXXX or 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 non-monetary relief
Consumer complaint received 2025-01-10 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: National Credit Adjusters, LLC
State: FL

Complaint narrative:
Request for Verification and Removal of Account from Credit Profile Dear XXXX Team, I am writing to formally request that you investigate and remove an inaccurate item from my credit profile. I, XXXX XXXX, have made several attempts to contact the creditor, NCA, regarding this matter and have requested verification and proof of the account. However, my requests remain unanswered. Therefore, I am seeking your assistance in this matter. 
As per my rights under the Fair Debt Collection Practices Act ( F.D.C.P.A. ), I humbly request that your agency provide valid proof of claim that I am legally obligated to pay the alleged debt. Additionally, I am requesting the following : The amount you claim I owe. 
An explanation showing how the amount was computed. 
Copies of any documents that prove I agreed to pay the alleged amount. 
The identity of the original creditor. 
Confirmation that the account has not exceeded the statute of limitations ( XXXX ) period. 
Evidence that NCA is a licensed debt collector. 
Evidence of NCAs license numbers and registered agent. 
Additionally, I request that you remove any outdated or unreachable addresses and phone numbers from my credit profile. Please ensure that my name is updated to reflect the only name I go by, which is XXXX XXXX. 
Please be informed that if your agency or the creditor you represent has reported unverified account information to any of the major credit bureaus ( XXXX, XXXX, XXXX ), it constitutes a fraudulent action under both federal and state laws. If any negative item related to this account remains on my credit report without proper validation, I will be compelled to take legal action for the following violations : Violation of the Fair Credit Reporting Act ( F.C.R.A. ) Violation of the Fair Debt Collection Practices Act ( F.D.C.P.A. ) Defamation of character Unauthorized use of my copyrighted property I urge you to review and resolve this matter promptly. Please confirm in writing once the disputed item has been removed from my credit profile. 
Thank you for your attention to this matter. I look forward to your prompt response. If you require additional information, I can be reached at XXXX or XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Kimball, Tirey & St. John LLP
State: NY

Complaint narrative:
I previously lived in XXXX XXXX XXXX in XXXX California with my daughter. We moved out on or about XX/XX/XXXX. We had the apartment professionally cleaned and paid all monies due. Nothing was owed on the apartment. Years later in XXXX, my daughter notified me the Kimball Tirey & St. John LLP had placed a collection on our credit reports. She contacted them numerous times and was told the collection was placed because some XXXX law for rentals expired in California. She informed them that the XXXX law doesn't apply to us because everything owed was paid in full. My daughter provided proof of zero balance and copies of payments made. The collection agency still refused to remove the collection In a previous complaint, the collection company stated, " XXXX XXXX submitted this complaint based upon our attempts to collect an amount owed related to her residential tenancy. XXXX XXXX entered into a residential lease agreement for the premises located at XXXX XXXX XXXX # XXXX in XXXX, California. Upon move out, XXXX XXXX owed a balance of {$540.00}. XXXX XXXX alleges that no balance is owed. As XXXX XXXX states in her complaint she previously contacted our firm with her dispute. Our firm contacted our client in XXXX of XXXX regarding these disputes and our client confirmed that the balance is accurate. The main contention XXXX XXXX has is she paid a lease buy-out fee in XXXX for {$2300.00}. However, XXXX XXXX did not pay any rent for XXXX of XXXX. If her 30-day notice to vacate was valid then she would be liable for rent until XX/XX/XXXX of XXXX. XXXX XXXX can not pay a lease break fee while simultaneously owing rent. Section 4 ( d ) states that XXXX XXXX can not pay a termination fee if she is default under the Lease Contract on the new termination date. Based on the above, our firm will continue to report this debt as disputed. '' What the collection company stated above is false. I did pay XX/XX/XXXX rent and I included a copy of the payment confirmation email dated XX/XX/XXXX, for {$2500.00}. I also included a screenshot of my bank statement showing the {$2500.00} was paid for XXXX rent. Therefore, all payment required for this lease has been paid and no further payment is due.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: NH

Complaint narrative:
I am unable to use this card. I have also tried adding it my XXXX wallet in hopes that I could use tap to pay, but that is also being declined verification, even though the {$0.00} verification charge is still being removed from the account balance.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-01-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Credit Systems International, Inc.
State: NY

Complaint narrative:
NOTICE TO CEASE AND DESIST OF DEFAMATION, SLANDER, COLLUSION AND REPORTING TO CONSUMER DATA AGENCIES WITHOUT CONSENT AND INTENT TO SUE DELETE IMMEDIATELY XX/XX/XXXX PLAINTIFF : XXXX XXXX XXXX DEFENDANT : CREDIT SYSTEMS INTERNATIONAL XXXX XXXX XXXX  : XXXXXXXX XXXX XXXXXXXX XXXX HIGHEST BIDDER SUBPOENA XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX TX XXXX XXXXXXXX XXXX XXXXXXXX XXXX RE : ALLEGED ORIGINAL CREDITOR XXXX XXXX ALLEGED ORIGINAL CREDITOR ACCOUNT NUMBER : XXXX ALLEGED DEBT AMOUNT OR BALANCE {$740.00} CERTIFIED MAIL XXXX XXXX XXXX XXXX XXXX XXXX XXXX  DEAR : XXXX XXXX XXXXXXXX XXXX XXXX COLLECTOR BOND/BONDS THEFT STOP VIOLATING THE FDCPA XXXX XXXX EXHIBIT XXXX XXXX XXXX : EXHIBIT XXXX : I AM UNAWARE OF THIS ALLEGED DEBT I DIDNT HAVE THE OPPORTUNITY TO DISPUTE THIS ALLEGED DEBT I DIDNT RECEIVE PROPER NOTIFICATION IF IN FACT YOU BELIEVE IVE RECEIVED PROPER NOTIFICATION, PLEASE PROVIDE THE CERTIFIED MAIL WITH RETURN RECEIPT WITH MY WET SIGNATURE STATING THAT IVE RECEIVED IT. 
ACCORDANCE TO 15 USC 1681s-2 ( a ) ( 7 ) A ( i ) BUT THE CEASE & DESIST DOSENT INCLUDE YOU FROM RESPONDING TO THIS REQUEST. IF YOU CANT PROVIDE ME WITH THIS INFORMATION, PLEASE STOP HARRASSING THIS LIVING MAN I DIDNT GIVE CONSENT TO USE THIS ACCOUNT : XXXX XXXX XXXX XXXX. SEND ONLY CERTIFIED MAIL WITH RETURN RECEIPT WITH MY SIGNATURE. PLEASE SEND DOCUMENTS FROM THE GRAND JURY AS WELL, WHICH I ONLY RECOGNIZED COMMON LAW. 
XXXX : I WAS MADE AWARE OF YOUR ATTEMPT TO COLLECT AND ALLEDGED DEBT AFTER I REVIEWED PUBLIC RECORDS CONSUMER REPORT. PLEASE BE THAT I HEREBY DISPUTE THE ABOVE-LISTED ALLEGED DEBT IN ITS ENTIRELY. YOU ARE ON NOTICE THAT YOU ARE UNLAWFULLY ATTEMPTING TO COLLECT THE ABOVE-LISTED ALLEGED DEBT. CEASE & DESIST ALL COLLECTION ACTIVITY, INCLUDING REPORTING TO CONSUMER REPORTING AGENCIES ( CRAs ) BUT THE CEASE & DESIST DOSENT INCLUDE YOU FROM RESPONDING TO THIS REQUEST ABOVE IN EXHIBIT XXXX AND IT DOSENT INCLUDE YOU FROM DELETING ALLEGED DEBT FROM MY CONSUMER REPORT. THIS LETTER IS EVIDENCE PROVIDED VIA TO THE CONSUMER FINANCIAL PROTECTION BUREAU ( CFPB ). THE CFPB IS AUTHORZED TO FULLY INVESTIGATE THIS MATTER AND RECEIVE ANY INFORMATION RELATED TO THERTO. BE ADVISED, IF YOU FAIL TO COMPLY WITH THIS LETTER, I XXXX TURN THE MATTER OVER TO A CONSUMER ATTORNEY ALSO YOU MAYBE SUED BY THE CFPB. 
ABRUPTLY, XXXX XXXX XXXX XXXX Living Woman UCC1-308 WITHOUT PREJUDICE without recourse BENEFICARY OF acct : XXXX XXXX XXXX NOT XXXX TRUSTEE

Company response to consumer: Closed with explanation