vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-07 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXXXX/XX/XXXXXX/XX/year> Jefferson Capital Systems LLC XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX Subject : Request for Debt Validation Account # XXXX To Whom It May Concern, I am writing in response to a collection notice I received from your company regarding an alleged debt. I do not acknowledge this debt and request full validation under my rights provided by the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ). Per my rights, I am requesting the following information before I consider any further action : 1. The name and address of the original creditor.

2. A complete accounting of the alleged debt, including the full amount and itemization of any fees or interest added.

3. Copies of any written agreements or contracts bearing my signature that substantiate my obligation to this debt.

4. Proof that Jefferson Capital Systems LLC has legal standing to collect this debt, including a copy of the assignment agreement or purchase agreement transferring ownership of the debt.

5. The date of the last payment on the account, as well as the date the account allegedly became delinquent.

6. The applicable Statute of Limitations ( SOL ) for this debt according to my state of residence.

7. A copy of the last billing statement sent by the original creditor before the account was allegedly placed for collection.

8. Documentation showing that Jefferson Capital Systems LLC is licensed and legally authorized to collect debt in my state. 
Additionally, in accordance with the Uniform Commercial Code ( UCC 3-501 ), I demand you provide proper proof of claim and verification of the alleged debt in compliance with legal requirements. Until I receive sufficient validation, I do not acknowledge or accept liability for this debt.

Per the FDCPA ( 15 U.S.C. 1692c ), I request that you cease all communication regarding this alleged debt until proper validation has been provided. Any further attempts to collect this debt without proper validation will be considered a violation of my rights under federal law and may be reported to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals office. 
If this debt is time-barred under my state 's Statute of Limitations ( SOL ), I request written confirmation that you will cease all collection activities, per FTC guidelines regarding outdated debts. 
Please note that this letter serves as a formal dispute. Any failure to comply with my validation request may result in legal action being taken against your company. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-07 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
Between XXXX and XX/XX/XXXX, my payment amount changed drastically. I called Navient and spoke with a rep as I went online to my account and my payment was increasing from XXXX which was auto debit, therefore I was never late, to about XXXX per month. I was told this was due to the program for that payment ending. I was told, it was only supposed to be for XXXX years and I had exceeded this time frame. I explained that I could not pay this amount and asked if there were any other programs available, and I was told no there were not, I was no longer eligible for any repayment options besides the aforementioned and I could check back to see if anything new came up. I called back I think during XXXX, and was asked for a breakdown of my monthly finances ( the rep said, I should have XXXX amount of money left based on the information I gave ), and I did not. As of XX/XX/XXXX, I am XXXX  months behind as the company transferred my loans to XXXX, and placed some form of natural disaster forbearance on my loans that seemed to cover the time that I was initially behind ( XXXX to XXXX ). I also asked about refinancing and was told that Navient does not refinance private loans. The interest rates on the XXXX loans that I have are between XXXX and XXXX %, which is very high in my opinion, and are setting me up to have to pay these loans for the rest of my life. The interest alone on all three is exceeding the original loan amounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-07 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: TX

Complaint narrative:
" I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ). 

"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-07 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: SC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-03-07 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: AMERICAN HONDA FINANCE CORP
State: MD

Complaint narrative:
I am writing to file a complaint regarding the denial of my identity theft claim by AM Honda Financial. I have submitted all the necessary supporting documentation to prove that the account in question was opened under fraudulent circumstances and without my consent.

Despite providing clear evidence, AM Honda Financial has unjustly denied my claim, and this fraudulent account remains on my credit report. The presence of this account is causing significant harm to my financial standing and creditworthiness.I respectfully request that AM Honda Financial conduct a thorough re-investigation into this matter, review the supporting documentation, and delete the fraudulent account from my credit file immediately.

Please assist me in ensuring that this matter is resolved promptly and that my rights are protected.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-07 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: IN

Complaint narrative:
According to the Fair Credit Reporting Act ( FCRA ) Section 605B. It is illegal to report information on my credit report without my permission. Please remove this item from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-07 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: IN

Complaint narrative:
According to the Fair Credit Reporting Act ( FCRA ) Section 605B. It is illegal to report information on my credit report without my permission. Please remove this item from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Old addresses are still on my credit report at all three bureaus and an collection account that is on my report that is unauthorized and I have no bearings and no signed paperwork with them. Do not have permission to be put on my report, illegal.

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 2025-03-07 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX Subject : Formal Dispute Under the Fair Credit Reporting Act ( FCRA ) To Whom It May Concern, I am writing to formally dispute inaccurate and incomplete information on my consumer report, as provided by your agency. Under the Fair Credit Reporting Act ( FCRA ) [ 15 U.S.C. 1681i ( b ) ], I request an immediate investigation into the following accounts and demand that any inaccuracies be corrected or removed. 

Disputed Accounts Child Support Enforcement Credit Reporting Agencies : XXXX, XXXX, XXXX Account Number : XXXX Account Status : Closed, Collection/Charge-Off Balance Owed : {$12000.00} Date Opened : XX/XX/XXXX Date Reported : XX/XX/XXXX Issue : The account contains incorrect and/or outdated information. Please provide verification of this debt, including original creditor documentation. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX Account Number : XXXX Account Status : Discrepancy between bureaus ( Closed vs. Open ) Balance Owed : {$6700.00} High Balance Reported : {$44000.00} Date Opened : XX/XX/XXXX Date Reported : Various Dates ( XX/XX/XXXX - XX/XX/XXXX ) Issue : Inconsistencies in reporting across bureaus. Please verify the accuracy of this information, including proof of the original contract and any updates. 
Legal Basis for Dispute XXXX  XXXX XXXX XXXX XXXX XXXX ( XXXX ) case establishes the necessity of accurate and concrete reporting under the FCRA. 
Under 15 U.S.C. 1681s-2 ( a ) ( 1 ), consumer reporting agencies must ensure that records are accurate and up to date.

I request that your agency promptly investigate and correct these discrepancies within the legally required timeframe of 30 days per 15 U.S.C. 1681i ( a ) ( 1 ) ( A ).

Requested Action Provide me with all relevant documentation used to verify these accounts.

If the disputed information can not be verified, remove or correct it immediately. 
Provide a written confirmation of the results of your investigation and an updated copy of my credit report. 
Please send your written response to the address provided above. I appreciate your prompt attention to this matter. Attached XXXX forms of Identification ID Sincerely, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-07 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: IL

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

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 2025-03-07 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: TX

Complaint narrative:
These can be combined on my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2025-03-07 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 have not supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-07 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 have not supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-03-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I was contacted on XX/XX/year> at XXXX by XXXX XXXX XXXX I asked them to not contact me again as I had already spoken to a representative and no longer wish to be contacted. My ex-husband received two text messages on XX/XX/year> and XX/XX/year>. These text messages were from XXXX XXXX and included my first name, my original creditor and the current creditor. The message stated that this was a debt collector. I never gave anyone permission to text my ex husband, he was not on any of my accounts. I also had already requested to not be contacted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-07 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:
XX/XX/year> XXXX XXXXXX/XX/XXXXXXXX Equifax XXXX XXXX XXXX XXXXXX/XX/XXXX : Account number XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

[ Identify item ( s ) resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. ] Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 
Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled. 
A copy of my Identity Theft Report and proof of my identity. 
A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 
I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX Enclosures : Identity Theft Report Proof of identity : [ a copy of my drivers license/other government-issued identification card/other ] Copy of Credit Report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-07 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: VA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-07 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: AZ

Complaint narrative:
I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that XXXX 

Account Name : XXXX XXXX XXXX XXXXDATE OPENED XX/XX/XXXX Account Name : XXXX XXXX # XXXX -DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX -DATE OPENED XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/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 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 XXXXXX/XX/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 2025-03-07 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: SC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-07 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: TX

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

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 2025-03-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: TRUEBILL, INC
State: NY

Complaint narrative:
XX/XX/scrub>XXXX I requested a bill negotiation by rocket money. The negotiated the bill incorrectly at a lower speed. I contacted them they said they would renegotiate again and that that was their error. My internet provider canceled my service then tried to charge me a reactivation fee.On XX/XX/XXXX at XXXX I requested a cancelation to the bill negotiation with rocket money. 6 hours later they sent me a bill for the negotiations they messed up. They then proceeded to charge me XXXX dollars without my authorization and ignored multiple attempts to contact them to resolve the issue. XXXX did not lower my bill so idk why I'm being charged and especially how rocket money was able to access my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am filing this report with the CFPB to formally dispute several unauthorized accounts listed on my credit report. I am a victim of identity theft and request that these accounts be blocked from my credit file under Section 605B of the Fair Credit Reporting Act ( FCRA ) .According to this law, you are required to block fraudulent information on a consumer 's credit report within four ( 4 ) business days after receiving appropriate documentation. My personal information was exposed in the EQUIFAX DATA BREACH. PLEASE REFER TO THE EQUIFAX DATA BREACH SETTLEMENT REFERENCE NUMBER TO VERIFY MY VICTIMIZATION specifically 15 USC 16821c-2 ( a ). I am entitled to request that my accounts be blocked and deleted due to the unauthorized access to m personal information. The breach has compromised my data and I am concerned about the identity theft and misuse of my information. Please find my details below for your reference. Full Name : XXXX XXXX Social Security Number : SS # XXXX Date of Birth : XX/XX/year> Current Address : XXXX XXXX XXXX XXXX Florida XXXX XXXX. I kindly request that you take immediate action to block and delete all accounts that have been compromised as a result of this data breach. Additional, please provide me with written confirmation once this has been completed. If you require any further information or documentation to process my request, please do not hesitate to contact me at the phone number or email address listed above. Thank you for your prompt attention to this matter. I look forward to your swift response.

Company response to consumer: Closed with non-monetary relief