vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-23 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Corp Solutions Inc.
State: TN

Complaint narrative:
I am filing this complaint regarding an inaccurate item on my credit report that continues to negatively impact my credit. Despite my efforts to resolve this directly with the reporting agency, it remains unresolved. I request immediate investigation and removal of this item, as it is incorrect and does not reflect my true credit history. I am asserting my rights under the Fair Debt Collection Practices Act ( FDCPA ), which prohibits further communication from your company under certain conditions. 
Please consider this letter a formal request for the following : 1. Immediate cessation of all phone calls, letters, or any other forms of communication regarding the debt.

2. A written statement confirming that you will no longer pursue collection efforts. 
This request does not acknowledge the validity of the debt, and I am not admitting any liability or responsibility. This is simply a request to stop the collection activities. If you continue to contact me after receiving this request, you may be in violation of the FDCPA, and I will pursue appropriate legal actions.

I also request that any information regarding this account be reviewed for accuracy, as I dispute the validity of the debt and reserve the right to request further documentation. 

15 U.S. Code 1692c 15 U.S. Code 1692g 15 U.S. Code 1681e ( b ) 15 U.S. Code 1681s-2 Please provide written confirmation of your receipt of this letter and your intention to comply with my request. Thank you for your prompt attention to this matter.

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-23 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Aldous & Associates, PLLC
State: IL

Complaint narrative:
I am writing to request validation of the debt that you are attempting to collect from me. Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request that you provide me with verification of the debt and evidence that you have the legal right to collect on it.

Please provide me with the following information : 1. The full name and address of the original creditor associated with the debt.

2. The amount of the debt, including a breakdown of any interest, fees, or other charges.

3. Documentation or a copy of the original signed agreement or contract that created this debt, including any amendments or updates.

4. Proof of your authorization to collect this debt, including any assignment or transfer of the debt to your company.

5. A detailed payment history, showing any payments or adjustments made to the debt. 
Please consider this letter as a formal request to validate the debt. As required by law, until you provide the requested validation, you must cease all collection efforts on this account, including reporting to credit bureaus. 
I would appreciate a prompt response to this request. If you fail to provide the required documentation, I will consider the debt in dispute, and I expect all collection activities to cease. 
Thank you for your cooperation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-23 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 Systems,Inc.
State: PA

Complaint narrative:
One credit bureau has it opened the other one has it closed. I requested evidence that show im legally obligated to pay this debt they say i owe. This is not a request for verification.but a request for validation made pursuant to 15 USC1692g sec. 809 ( b ) of the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE
State: NJ

Complaint narrative:
Complaint Against Barclays Unfair Interest Charge Assessment I am filing this complaint against Barclays regarding an unfair interest charge of {$230.00} that was posted to my account on XX/XX/year>, despite my efforts to make timely payments and resolve the issue. 

Summary of Events : On XX/XX/year>, I received two refunds from a merchant, totaling {$10000.00} and {$3900.00}, which brought my account balance to {$0.00} before my payment due date of XX/XX/year>. 

Upon attempting to make a payment on XXXX XXXX, I received a system notification stating that no payment was needed because my balance was already {$0.00} at that time. Below is the error message : " Errors found The sum of your scheduled payments can not exceed your current balance. The maximum payment you can make on your selected payment date is {$0.00}. 

To modify or cancel scheduled payments, visit Payment activity. '' Despite this, Barclays charged me an interest fee of {$230.00} on XX/XX/year>. 


On XX/XX/year>, I contacted Barclays to request a one-time courtesy waiver for any interest charge due to the delay in my refund posting. 

Barclays denied my request, stating that interest charges are applied when a balance is carried over, despite the fact that my balance was {$0.00} before the due date due to the refunds. 

Why This is Unfair : The refunds cleared before my due date, which means my balance was effectively paid off before interest should have been assessed. 

Barclays ' system did not allow me to make an additional payment when I attempted to do so, reinforcing that I had satisfied the payment requirement. 

The interest charge does not align with fair banking practices, as I was prevented from taking action to avoid it. 

I am requesting the CFPBs assistance in having Barclays issue a refund of {$230.00} for the unfairly charged interest. As a responsible customer, I believe I should not be penalized for circumstances outside my control, and I ask for a fair resolution to this matter. 

Thank you for your time and consideration.

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 2025-03-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Mercedes Benz Financial Services
State: GA

Complaint narrative:
In XX/XX/XXXX, my Mercedes Benz XXXX XXXX was deemed a total loss by my insurance company, XXXX. The van was in a not-at-fault accident on XX/XX/XXXX, and the collision center did not have availability to give an estimate of damages until XX/XX/XXXX. The collision center kept the van for three months and ordered parts to start repairs. XXXX XXXX stopped the collision center before they began repairs and asked them to total the XXXX. I was never informed of the total loss until I called to get an update on my vehicle. After I got the update from the collision center, I called XXXX  and began the process to ensure they would cover the cost of my van, as I had a XXXX-dollar collision policy with XXXX  and gap coverage through Mercedes Benz . When I called Mercedes Benz to get my gap insurance information to file a claim for the {$4700.00} balance not covered by my insurance with XXXX, the finance manager, told me I did not have gap coverage. I called Mercedes Benz financial again 5 times and spoke with different representatives who all confirmed I did not have gap coverage, which I initially signed up for during the purchase of my XXXX  van and paid for through my loan with Mercedes Financial. In XXXX I called Mercedes Benz to inquire about my warranty refund, and the representative asked if I wanted a refund for my gap insurance too. I asked if I could use the gap insurance to cover the balance of the vehicle, and I was told it expired. I asked why I was not allowed to use the gap coverage at the time of my initial accident claim and was told she did not know, but the representative told me that I did have gap coverage at the time of my accident in XXXX, but since I did not use the gap coverage, I would receive a refund of {$300.00}. Because of this negative loan balance, I can not get a new loan for another vehicle. In this case, Mercedes Benz Financial committed insurance fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-23 00:00:00
Product: Credit card — Store credit card
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
XX/XX/year>XXXX  - I received a piece of mail from XXXX XXXX XXXX  and went to the bank and filed a report for a fraudulent account then filed a report to XXXX XXXX police department XX/XX/year>- I got an alert from XXXX saying that a credit card was open and my Best Buy credit card was maxed out when I have not used this card in over a year XX/XX/year> - I froze all three credit bureaus, gave the XXXX police report to XXXX XXXX, met with XXXX, deputy, received multiple credit card applications in the mail, called Best Buy to close account, but they were unable to and froze it for now and are investigating the disputed charges, I called XXXXXXXX XXXX XXXXXXXX XXXX and closed the fraudulent open account, I filed XXXX XXXX police report because over the phone. They said that the charges were in person at the XXXX XXXX store in Ohio. I also received a phone call from XXXX XXXX Police Department saying that they caught the criminal. 

XX/XX/year> - I filed a police report with XXXX police department regarding the multiple credit card applications with some active fraudulent accounts in my name XX/XX/year> - Filed report through identitytheft.gov and have PDF copy of 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 non-monetary relief
Consumer complaint received 2025-03-23 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Law Office of Brett M. Borland, P.C.
State: AL

Complaint narrative:
They said the office staff had changed over and they were unaware of any arrangements I had made. First because of the previous manager forging my electronic signature I was told that I could move with 30 day notice. I gave a 60 day notice and they still sent me to a collection agency. When I proved through emails that I gave a 60 day notice they sent me to a different collection agency saying they were unaware of my move out date. When I informed the 2nd collection agency that I had a new lease and proof of utility transfers that proved that I did not live At said property and the property manager was lying about the debt the debt collector stated that wasnt good enough and that he would see to it I paid the debt or he would ruin my credit. And his advice to me was to pay the property whether they were lying or not to avoid further debt

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Exeter Finance, LLC.
State: TX

Complaint narrative:
My vehicle was repossessed, but I paid all the required fees to retrieve it. However, shortly afterward, I noticed additional charges applied to my account. Exeter has been charging me a late fee every month on these new charges, which has been increasing my overall loan balance beyond what I actually owe. 

My contract does not indicate they have the authority to add extra charges to my loan without my consent or knowledge, nor was this ever explained to me. I did not receive any documentation notifying me that this would occur. Suddenly, I am faced with late charges and a growing payment amount, despite making my monthly payments on time. 

I can not afford to pay these fees, and at this rate, it feels like I will never pay off my loan. This appears to be part of a predatory system that unfairly targets individuals like me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 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: PA

Complaint narrative:
Hi my name is XXXX XXXX XXXX XXXX I noticed multiple inaccuracies on my credit report, I want immediate removal of these negative accounts affecting my credit 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 explanation
Consumer complaint received 2025-03-23 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: CA

Complaint narrative:
I am writing to formally address the ongoing noncompliance of your agency in relation to my identity theft report, which I previously submitted in accordance with the Fair Credit Reporting Act ( FCRA ). Despite having sent several letters, your agency has repeatedly rejected my identity theft report on the grounds that it was not filed by a law enforcement agency. This decision is not in compliance with the FCRA and fails to recognize the guidance provided by identitytheft.gov as mandated by the Consumer Financial Protection Bureau ( CFPB ). 

As you are aware, the FCRA at Section 605B and the guidance provided by the CFPB under identitytheft.gov clearly outline the process for filing an identity theft report. The CFPB specifically states that victims of identity theft can file a report directly through identitytheft.gov, which then becomes a valid identity theft report under the FCRA. Nowhere does the FCRA require this report to be submitted by law enforcement for it to be valid.

Furthermore, under FCRA Section 617, your agency is legally required to investigate and resolve any identity theft dispute in a timely manner, and you are prohibited from deciding unilaterally what is valid or invalid when it comes to an identity theft report that has been properly filed. Your refusal to acknowledge this report based on your own standardsrather than what is set forth in federal lawis a clear violation of the FCRA.

Legal Precedent : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX. XXXX ) : This case underscores the importance of proper handling of disputes related to credit reporting and emphasizes that credit reporting agencies can not disregard information simply based on their own internal policies when federal law mandates a specific process. 
XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXXXXXX XXXX XXXXXXXX ) : This case reinforced that credit reporting agencies must follow FCRA regulations, including investigating claims of identity theft in accordance with the law, and can not arbitrarily determine what constitutes an acceptable identity theft report. 
XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX ( XXXX. XXXX XXXX ) : This decision clarified that a credit reporting agency is obligated to accept documents submitted by the consumer, as long as they meet the legal requirements for disputing inaccurate information under the FCRA. 
XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-03-23 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: MS

Complaint narrative:
I HAD 7 ACCOUNTS THAT WERE TO BE DELETED FROM MY CREDIT REPORT. THEY DID NOT GET DELETED. THEY WERE WRONG AND INACCURATE BETWTEEN EXPERIAN, TRANSUINION AND EQUIFAX. THEY VIOLATED THE FCRA. THESE ACCOUNTS MUST BE DELETED NOW. ( XXXX ) ( XXXX XXXX ) ( XXXX XXXX ) ( XXXX ) XXXX XXXX ) ( XXXX XXXX  ) ( XXXX XXXXXXXX XXXX XXXXXXXX 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 XXXXI HAD ACCOUNT THAT I WANTED UPDATED IN THE PAYMENT HISTORY TO NEVER LATE BECAUSE IT WAS REPORTING THIS LATE PAYMENT INACCURATELY BETWEEN EQUIFAX, TRANSUINON, EXPERIAN . ( XXXX )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-23 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: MS

Complaint narrative:
I HAD 7 ACCOUNTS THAT WERE TO BE DELETED FROM MY CREDIT REPORT. THEY DID NOT GET DELETED. THEY WERE WRONG AND INACCURATE BETWTEEN EXPERIAN, TRANSUINION AND EQUIFAX. THEY VIOLATED THE FCRA. THESE ACCOUNTS MUST BE DELETED NOW. ( XXXX ) ( XXXX XXXX ) ( XXXX XXXX ) ( XXXX ) XXXX XXXX ) ( XXXX XXXX  ) ( XXXX XXXXXXXX XXXX XXXXXXXX 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 XXXXI HAD ACCOUNT THAT I WANTED UPDATED IN THE PAYMENT HISTORY TO NEVER LATE BECAUSE IT WAS REPORTING THIS LATE PAYMENT INACCURATELY BETWEEN EQUIFAX, TRANSUINON, EXPERIAN . ( 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 2025-03-23 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: GA

Complaint narrative:
I am writing to file a formal complaint against Equifax and Experian for failing to immediately and permanently remove fraudulent accounts from my credit report, despite having provided all necessary documentation to prove my identity theft claim. 

The fraudulent accounts in question were opened without my knowledge or consent, and I have already filed a report with the Federal Trade Commission ( FTC ). A copy of my FTC Identity Theft Report is attached as evidence of my identity theft. 

The specific fraudulent accounts that need to be removed are as follows : Account Name : XXXX XXXX XXXX XXXX ( XXXX Card ) Date Opened : XX/XX/XXXX Account Name : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX ) Date Opened : XX/XX/XXXX And all inquiries on my report. 

Despite the Fair Credit Reporting Act ( FCRA ) and Identity Theft Enforcement and Restitution Act of XXXX, which mandate the permanent removal of fraudulent accounts upon submission of an FTC Identity Theft Report, Experian and Equifax has failed to act within the legally required time frame and has not removed these accounts from my credit report. 

In light of recent lawsuits involving Experian and Equifax regarding failures to handle identity theft cases accurately, I am taking this issue seriously and seeking your immediate assistance in ensuring that my rights are upheld.

I request that the CFPB intervene to ensure that Experian and Equifax complies with federal law and removes these fraudulent accounts from my credit file immediately and permanently.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-23 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: CA

Complaint narrative:
I am writing to formally address the ongoing noncompliance of your agency in relation to my identity theft report, which I previously submitted in accordance with the Fair Credit Reporting Act ( FCRA ). Despite having sent several letters, your agency has repeatedly rejected my identity theft report on the grounds that it was not filed by a law enforcement agency. This decision is not in compliance with the FCRA and fails to recognize the guidance provided by identitytheft.gov as mandated by the Consumer Financial Protection Bureau ( CFPB ). 

As you are aware, the FCRA at Section 605B and the guidance provided by the CFPB under identitytheft.gov clearly outline the process for filing an identity theft report. The CFPB specifically states that victims of identity theft can file a report directly through identitytheft.gov, which then becomes a valid identity theft report under the FCRA. Nowhere does the FCRA require this report to be submitted by law enforcement for it to be valid.

Furthermore, under FCRA Section 617, your agency is legally required to investigate and resolve any identity theft dispute in a timely manner, and you are prohibited from deciding unilaterally what is valid or invalid when it comes to an identity theft report that has been properly filed. Your refusal to acknowledge this report based on your own standardsrather than what is set forth in federal lawis a clear violation of the FCRA.

Legal Precedent : XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX. XXXX ) : This case underscores the importance of proper handling of disputes related to credit reporting and emphasizes that credit reporting agencies can not disregard information simply based on their own internal policies when federal law mandates a specific process. 
XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXXXXXX ) : This case reinforced that credit reporting agencies must follow FCRA regulations, including investigating claims of identity theft in accordance with the law, and can not arbitrarily determine what constitutes an acceptable identity theft report. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX. XXXX XXXX ) : This decision clarified that a credit reporting agency is obligated to accept documents submitted by the consumer, as long as they meet the legal requirements for disputing inaccurate information under the FCRA. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief