vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-02 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Activehours
State: ID

Complaint narrative:
When I needed a loan to get me through to the next payday with the company earnin, the company also charged tips ( interest ) in addition to the loan I needed and as a result my account went negative and forced me to close the account as a result.

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

Complaint narrative:
I am writing to formally request the removal of an account that was sold from the original creditor to a new creditor from my credit report. The account in question is detailed below : Original Creditor : XXXXXXXX XXXX XXXXl New Creditor : XXXX. XXXX, XXXX Date Opened : XX/XX/year> Date Sold : XX/XX/year> According to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate or incomplete information in my credit report. Specifically, under Section 623 of the FCRA, the original creditor is responsible for the accuracy of the information reported to the credit bureaus. Once an account is sold, the original creditor is no longer responsible for updating or maintaining the information regarding the account. Consequently, the reporting of this account by the original creditor is inaccurate and should be removed. 
Furthermore, if a creditor sold my collections or charge-off information without my knowledge or consent, I have the right to dispute this under the FCRA. Refer to Section 623 for the responsibilities of information furnishers and Section 611 for the dispute procedure. These sections ensure the accuracy of my credit report and my right to challenge inaccuracies. Please investigate and verify the accuracy of this information. 
Additionally, the new creditor is required to verify the accuracy of any information they report. I have requested an investigation for them to send verified documented information reported by both original creditor and new creditor. Please conduct a thorough review and provide resolution within the XXXX period mandated by the FCRA. 
Enclosed, you will find copies supporting documentation, including a letter from the original creditor stating the closure and charge-off of the account and transfer of the account, proving that the account was sold to a new creditor, and the current owner has closed the account as of [ Date ]. Please update my credit report accordingly to reflect this change and remove any inaccuracies. 
I appreciate your prompt attention to this matter and look forward to your response confirming the removal of the incorrect information. Should you require any additional information, please contact me at the phone number or email address provided above. 
Sincerely, 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 2025-01-02 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following inquiries were not authorized and should not be reporting.

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.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 a 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 ) ( a ) 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
Consumer complaint received 2025-01-02 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following inquiries were not authorized and should not be reporting. 


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.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 a 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 ) ( a ) 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
Consumer complaint received 2025-01-01 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: PA

Complaint narrative:
Its absolutely infuriating to see inaccurate accounts on my credit report. These accounts have been dragging my score down for far too long, and its impossible to ignore how much theyve impacted my financial life.

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 2025-01-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NH

Complaint narrative:
I have had my XXXX XXXX card since XXXX far as I could tell based on the statements available. We had a vet emergency back in XX/XX/year> which caused me to have to use the card to save my dog. I also had to take out cash- {$200.00} on XX/XX/XXXX, XXXX and since then, I am getting slammed with interest fees. I am being pounded by these interest rates and can't catch my breath. I read the terms and conditions and I am completely confused as to why I get interest charges on a cash advance of {$200.00}, which already had a {$10.00} fee attached. So since XXXX, I have paid about $ XXXX {$70.00} in interest and then plus a fee and then additional interest on purchases. I am literally paying all interest at this point of {$100.00} a month! It feels like double dipping to me and this company is not being transparent with terms and conditions. Even when I called-the rep couldnt tell me what federal regulations the double interest rates on purchases and cash advances was. It is just awful how this company takes advantage of hard working people and schemes them out of their money.

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

Complaint narrative:
Its absolutely infuriating to see inaccurate accounts on my credit report. These accounts have been dragging my score down for far too long, and its impossible to ignore how much theyve impacted my financial life.

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 2025-01-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/year> LVNV FUNDING LLC C/O RESURGENT CAPITAL SERVICES XXXX XXXX XXXX XXXX, SC XXXXCollection Agency Address ] Subject : Dispute of Alleged Debt and Request for Debt Validation To Whom It May Concern, I am writing to formally dispute the validity of the debt you claim I owe. Under the protections provided by federal consumer laws, I am requesting debt validation and disputing any and all alleged debts associated with my name. This letter serves as notice of my dispute and as a demand for strict compliance with the law. 

Pursuant to 12 CFR 1006.34 ( b ) ( 5 ), you have failed to provide the required validation information to substantiate the alleged debt. Additionally, under 12 CFR 1006.34 ( c ) ( 4 ) ( i ), I have not been given the opportunity to properly dispute the account as required by law. 

Your actions, including the furnishing of this alleged debt to consumer reporting agencies without providing the proper disclosures required by law, constitute violations of 12 CFR 1006.34 ( d ) and 15 U.S.C. 1661-5 2 ( 7 ) ( A ). These actions amount to false, misleading, and deceptive practices, which infringe upon my consumer rights.

In accordance with my rights under federal law, I am disputing the validity of this alleged debt. I also demand the following : XXXX. Debt Validation : Provide proof of the alleged debt, including a copy of the original agreement between myself and the original creditor. 
XXXX. Purchase Agreement : Furnish the purchase agreement or other documentation that demonstrates your authority to collect on this alleged debt. 
XXXX. Licensing and Bonding : Provide proof that your company is licensed and bonded to collect debts in my state. 

Furthermore, I hereby revoke any and all authorization for your company to contact me via phone calls, text messages, or emails, effective immediately. All future communication regarding this matter must be conducted through written correspondence sent to my mailing address listed above. 

Failure to comply with these requests or continued violations of my consumer rights will leave me with no choice but to pursue all available remedies, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state Attorney Generals office. 

Please provide the requested information within XXXX  days of receiving this letter. If you fail to do so, I will consider this matter resolved, and any further collection activity will be deemed unlawful. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX, XXXX XXXX

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

Complaint narrative:
THIS ACCOUNT WAS CHARGED OFF ON THE FOLLOWING DATE ( XXXX XXXX OF FIRST CHARGE OFF ) SINCE THEN THE ACCOUNT HAS REPEATEDLY BEEN UPDATED AS CHARGED OFF EVERY MONTH. THIS IS AN UPDATE IN THE PAYMENT HISTORY. A CHARGED OFF ACCOUNT SHOULD NOT INCLUDE AN ACTIVE PAYMENT HISTORY, THIS INACCURATE INFORMATION FALSELY MANIPULATES THE STATUTE OF LIMITATIONS. YOU FAILED TO INVESTIGATE THIS ACCOUNT PROPERLY AND YOUR NEGLECT HAS VIOLATED MY RIGHTS. I AM DEMANDING A DELETION OF THE FOLLOWING ACCOUNT : Account Name : XXXX XXXX XXXX Account Number XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I have been having issues with fraudulent account reappearing on my credit report ever since my information has been leaked in a data breach. I have worked so hard to remove the accounts as they have been impacting my ability to maintain a clean report as well as obtain new credit! Please remove the fradulent account from my profile.

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 2025-01-01 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: NJ

Complaint narrative:
Dear Portfolio Recov Assoc, I am writing to request validation of the debt you claim I owe, as is my right under the Fair Debt Collection Practices Act ( FDCPA ). I do not recognize this debt and would like to ensure that your records are accurate. Please provide all information necessary for me to verify this claim. 

Specifically, I am requesting : The name and address of the original creditor. 
The date the debt was incurred and the amount of the original debt. 
A detailed accounting of how the debt amount was calculated, including interest, fees, and any other charges. 
Copies of any agreements or contracts that I allegedly signed. 
Evidence that you have the authority to collect this debt. 
Until the requested information is provided, I ask that all collection activities regarding this account cease, as required by the FDCPA. Additionally, please do not contact me at my workplace or use automated systems to contact me. 

If you are unable to validate the debt, please remove it from my credit report and notify me of this action. 

Thank you for your prompt attention to this matter. I look forward to your reply within XXXX  days of receiving this letter. 

Sincerely,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-02 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: MI

Complaint narrative:
I don't even know how to refer to this company, as they have sent me letters referring to themselves as the following : XXXX, Resurgent Acquisitions LLC, Resurgent Capital Services L.P., LVNV Funding LLC, XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX. This company has no idea what they are doing. They have sent me letters telling me the debt they are trying to collect was for a XX/XX/XXXX XXXX XXXXXX/XX/XXXX Card as well as a XXXX Bank account. Letters refer to both companies as the " original creditor '' and both show the same last four of the account ( XXXX ). I've tried to communicate with them and they never respond. I've disputed the credit reporting, which they continue to " validate '' however I don't even know what this is for! They don't apparently even know what it is for, as their letters refer to it as both a XXXX XXXX account and XXXX Bank account. It obviously isn't both. Then they refer to it being serviced by XXXX XXXX XXXX as the " current servicer of the account '', but I've never even received anything from that company. This company should not be allowed to operate. I'd also note LVNV Funding has this on my credit report, but they are not even a licensed collection agency in Michigan. Please help me end this madness.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-01 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I dont recall authorizing this inquiry. It could be fraudulent. Remove it from my credit report IMMEDIATELY!! I believe this is a violation of the Credit Reporting Act Section 1681b ( c ) and it is also a serious breach of my privacy rights. Please validate this info with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. I also demand that this company produce a contract between them and I, a consumer bearing my signature showing that I gave permission to furnish any information on my behalf. According to my credit report I have the following inquiries : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-01-01 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: IL

Complaint narrative:
Ive recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts information reporting to my credit report. These remarks have been detrimental to my life and credit health

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 2025-01-01 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: IL

Complaint narrative:
Ive recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts information reporting to my credit report. These remarks have been detrimental to my life and credit health

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 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: PA

Complaint narrative:
I reviewed my credit profile on XXXX XXXX and I noticed inquires I do not recognize. Additionally, I also noticed personal information that doesn't belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-01 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BTH Management
State: MN

Complaint narrative:
Plaza Services LLC continues to send me a printout of a bill or itemized document as debt validation. As per the FTC opinion letter from Attorney XXXX XXXX XXXX, a printout of a bill or itemized document does not constitute verification. This company can not provide me any documents bearing my signature showing I have a legal binding contractual obligation to their company. I did not give permission under the FCRA, FDCPA, or congress law for them to report this account against me while violating my rights under the law. This account needs to be removed immediately from my credit from all credit bureaus. I have consulted with attorneys, the Attorney Generals Office, CFPB and XXXX on this issue. Plaza Services LLC has XXXX  days to delete the accounts in violation before I sue for violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-01 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
On XX/XX/XXXX I requested a copy of the original contract I have with Resurgent/ LVNV FUNDING to collect this debit. This was sent by USPS TRACKING NUMBER XXXX XXXX XXXX XXXX XXXX. As of XX/XX/XXXX I did not receive this document.

Company response to consumer: Closed with explanation