vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
Re : Account Number : XXXX To Whom It May Concern : I am writing in response to your letter dated XX/XX/2024 regarding the above-referenced account. I want to make it unequivocally clear that this account does not belong to me. I have never opened an account with XXXX XXXX XXXX, XXXX, nor have I ever acknowledged or made any payments associated with this account. 

While I acknowledge that you sent me a copy of a bill with my address, I must emphasize that this is insufficient to validate that this debt is mine. Simply having my address on a bill does not prove any connection or liability on my part. 

Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to dispute the validity of this debt. Your letter fails to provide sufficient evidence to validate this debt as mine. You have not provided any documentation linking me to the original creditor or any agreement I may have made with them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-17 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: FL

Complaint narrative:
I am writing to formally dispute the multiple inaccuracies listed on my credit report. Under the Fair Credit Reporting Act ( FCRA ), section 1681e ( b ), consumer reporting agencies must follow reasonable procedures to ensure maximum accuracy of the information in consumer reports. The negative accounts reported in my credit file do not meet this standard and were reported without my written consent. 
Details of the disputed items are as follows : Creditor : XXXX  XXXX XXXX Account Number : XXXX Creditor : XXXX XXXX XXXX  Account Number : XXXX Creditor : XXXX XXXX Account XXXX : XXXX Creditor : XXXX XXXX XXXX Account Number : XXXX Creditor : XXXX XXXX  Account Number : XXXX These accounts are inaccurately reported, and I am requesting that you conduct a thorough investigation into these matters. Please verify the accuracy of these accounts, remove the inaccurate information promptly, and pay {$1200.00} in monetary damages for the distress and impact caused by this incorrect reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to formally dispute the multiple inaccuracies listed on my credit report. Under the Fair Credit Reporting Act ( FCRA ), section 1681e ( b ), consumer reporting agencies must follow reasonable procedures to ensure maximum accuracy of the information in consumer reports. The negative accounts reported in my credit file do not meet this standard and were reported without my written consent.

Details of the disputed items are as follows : Creditor : XXXX XXXX XXXX Account Number : XXXX Creditor : XXXX XXXX XXXX Account Number : XXXX Creditor : XXXX XXXX Account XXXX : XXXX Creditor : XXXX XXXX XXXX Account Number : XXXX Creditor : XXXX XXXX  Account XXXX : XXXX These accounts are inaccurately reported, and I am requesting that you conduct a thorough investigation into these matters. Please verify the accuracy of these accounts, remove the inaccurate information promptly, and pay {$1200.00} in monetary damages for the distress and impact caused by this incorrect reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-17 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Spring Oaks Capital, LLC
State: NY

Complaint narrative:
Spring Oaks Capital LLC XXXX XXXX XXXX XXXX, VA XXXX Re : Account Number : XXXX To Whom It May Concern : I am writing to dispute the collection account listed on my credit report that has been placed for collection by your company. I believe this account is not mine and is therefore inaccurate. 

I have previously contacted your company to request validation of this debt. Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to dispute the validity of this debt. Your letter fails to provide sufficient evidence to validate this debt as mine. You have not provided any documentation linking me to the original creditor or any agreement I may have made with them. 

Additionally, I have never received a written notice informing me of my right to dispute this debt as required by the Fair Debt Collection Practices Act ( FDCPA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-17 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: PA

Complaint narrative:
I reviewed my Consumer Reports and noticed that I have late payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : ( XXXX XXXX XXXX XXXX XXXX XXXX Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.

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 2024-08-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Its incredibly upsetting to find unauthorized inquiries on my credit report this evening without any explanation. I reviewed my report as I always do, and suddenly, there are errors that werent there before. I attempted to refresh my browser thinking it might be a temporary glitch, but the issues persist. XXXX very distressed and urge you to meticulously check the documents Ive submitted to resolve this matter promptly so I can put this behind me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-17 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or missing disclosures — 
Company: Kriya Capital, LLC
State: IL

Complaint narrative:
CREDENCE RESOURCE MANAGEMENT Last reported XX/XX/year> {$3400.00} Open balance CREDENCE RESOURCE MANAGEMENT Original creditor

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-17 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: CA

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

15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : 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 non-monetary relief
Consumer complaint received 2024-08-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
submitted a dispute to the credit bureaus where the errors appeared. I did this [ online/by mail/by phone ], ensuring I included all relevant information and supporting evidence. 
In my dispute, I clearly identified each incorrect item and explained why it was wrong. I also referenced 15 U.S.

Code 6801 to emphasize the importance of protecting my personal information and ensuring accuracy. I also have proof from the court of XXXX XXXX that they do not provide credit reporting agencies verification information on 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 2024-08-17 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: PA

Complaint narrative:
Im reaching out for your help concerning the incorrect account appearing on my credit report. This mistake has caused damage to my reputation, and I need your support. Due to the mismanagement of my credit report, Ive been deeply impacted, and my reputation has been tarnished. These errors must be addressed for the sake of my family 's well-being.

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 2024-08-17 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: Marlette Funding, LLC
State: NC

Complaint narrative:
This creditor engaged in XXXX XXXX, and XXXX practices of the FDCPA which it prohibits. According to XXXX XXXX XXXX it is a billing error I did not receive a statement XXXX days before the late payment error. If finance charge included, there should be no late payments pursuant XXXX XXXX XXXX ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: CA

Complaint narrative:
On XX/XX/year>, I submitted a consolidation request through StudentAid.gov, along with an XXXX application ( for Pay As You Earn/PAYE ) concurrently. 

The consolidation application was processed by XXXX and forwarded to MOHELA. MOHELA successfully consolidated my graduate school loans. MOHELA then failed to complete the processing of the associated XXXX  application and is asking me to re-submit the application. 

I would like the original application processed as I had requested enrollment with the XXXX payment plan. I will not re-submit a paper application because this is not my responsibility. It is the responsibility of the servicer to access and process this application. XXXX makes it clear that the application was received by MOHELA. It is therefore MOHELA 's duty to access and process this original application. 

In addition, because my loans are currently in administrative forbearance, I am not being credited with XXXX payments for the time that I should have been, all due to MOHELA 's error in processing. I would like credit for the months that I have not made XXXX payments as a result of MOHELA 's XXXX ineptitude.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I don't recall having a contractual relationship with this collection company. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to XXXX XXXX XXXX XXXX ( XXXX ) Debt XXXX are legally obligated to adhere to XXXX XXXX XXXX XXXX ( XXXX ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make XXXX  statements or misrepresentations concerning the debt being pursued for collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-17 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: TX

Complaint narrative:
After reviewing my credit file, I am writing to dispute the inaccurate informations. 

XXXX XXXX XXXX Balance Owed : {$0.00} -How can I have a late payment history when the balance is XXXX????. Please remove the lates in my credit history of this account.

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 2024-08-17 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: EQUIFAX, INC.
State: TX

Complaint narrative:
After reviewing my credit file, I am writing to dispute the inaccurate informations. 

XXXX XXXX XXXX Balance Owed : {$0.00} -How can I have a late payment history when the balance is XXXX????. Please remove the lates in my credit history of this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-17 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: CA

Complaint narrative:
By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the following items which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX Balance : {$25.00} XXXX XXXX XXXX Balance : {$7100.00} XXXX XXXX Balance : {$28000.00} XXXX OF SO XXXX XXXX Balance : {$32000.00} XXXX XXXX Balance : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Im very disappointed and saddened to discover unauthorized inquiries on my credit report tonight. Despite checking my report as usual, I encountered discrepancies that appeared out of nowhere. I tried refreshing my browser, hoping it was a simple error, but the unauthorized inquiries remain unchanged. Im frustrated and request that you carefully review the documents Ive sent to resolve this issue quickly and give me peace of mind.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-17 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: FL

Complaint narrative:
In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the XXXX XXXX I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.

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 2024-08-17 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: FL

Complaint narrative:
In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the XXXX XXXX I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
On XX/XX/2024, I bought a refrigerator from XXXX XXXX. I returned it on XX/XX/2024, and the merchant issued a credit to my account. However, Capital One reported an error, claiming the merchant entered an incorrect expiration date. The transaction was processed via a card chip reader without any manual entries. XXXX XXXX 's staff, including managers, the bookkeeper, and IT personnel, confirmed that the funds were not returned following the rejection. This is my third encounter with this issue at Capital One, leading me to suspect that they are improperly withholding XXXX of dollars from consumers by alleging that they did not receive the returned funds. Enclosed are the documents from both the merchant and Capital One.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AR

Complaint narrative:
M y. account was closed due to fraud. I had tried to get a loan from a company that turned out to be fake. I they were refunding me item on my account but did it in a way I didn't know that was what they was doing til it was to late. Had me get gift cards and everything. I told the back what happened and they said do a police report so I did and they still charge back on me and closed my account. I had my husband on the account also but now they want let him just get account by himself. I was the one scammed how do I fix it so he can at least get an account back. It was Bank of America happen in 2019 My name is XXXX XXXX XXXX XXXX name 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 monetary relief
Consumer complaint received 2024-08-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
submitted a dispute to the XXXX XXXX where the errors appeared. I did this [ online/by mail/by phone ], ensuring I included all relevant information and supporting evidence. 
In my dispute, I clearly identified each incorrect item and explained why it was wrong. I also referenced XXXX XXXX. 
XXXX XXXX to emphasize the importance of protecting my personal information and ensuring accuracy. I also have proof from the court of XXXX XXXX that they do not provide credit reporting agencies verification information on 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 2024-08-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
submitted a dispute to the XXXX XXXX  where the errors appeared. I did this [ online/by mail/by phone ], ensuring I included all relevant information and supporting evidence. 
In my dispute, I clearly identified each incorrect item and explained why it was wrong. I also referenced XXXX XXXX. 
XXXX XXXX to emphasize the importance of protecting my personal information and ensuring accuracy. I also have proof from the court of XXXX XXXX that they do not provide credit reporting agencies verification information on consumer reports

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-17 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:
By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the following items which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX Balance : {$25.00} XXXX XXXX XXXX Balance : {$7100.00} XXXX XXXX Balance : {$28000.00} XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$32000.00} XXXX XXXX Balance : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation