vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: John C. Heath, Attorney at Law, PLLC
State: MS

Complaint narrative:
I was with Lexington Law firm and they didn't help me straight up my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: FL

Complaint narrative:
Collection agency is still in violation and using tactics to keep collection on my credit file. Agency closed out the account but did not remove account from my credit file. Agency is already in violation for not being licensed in florida were i reside therefore they should have never reported the collection account to my report. I request CFPB get involved. i am giving this matter 4 business days to be removed. attached is proof of what jefferson did.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
On XX/XX/XXXX I notified Truist that there were two fraudulent charges to my debit card totaling {$990.00} on XX/XX/XXXX for " XXXX '' ( airlines, I presume ). I submitted a claim for these two charges. While speaking with the representative I noticed a third charge from XXXX for {$300.00} for " AIR FEE & TAXES. '' Since I use this card mainly for bill pay, I do not check my transactions very closely. I overlooked the XXXX charge, certainly. But it would not necessarily have stood out as unusual as I travel fairly often. I have never flown XXXX, so that stood out to me. I figured this would be easily resolved with the {$990.00} claim credited back. I received a letter that the claim was deemed valid but {$930.00} was denied. Is spoke with the fraud claims department and they said this was because I failed to report the XXXX charge, which could have avoided the XXXX fraudulent charges. It is not clear at all that they are related and this amount of vigilance seems unrealistic. I have alerts turned on on my phone for when the card is used. I received no alerts for any of these charges. They said there was nobody else I could speak to to appeal the decision so I'm hoping the CFPB can help. Thank 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 2025-02-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

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. Account name : XXXX XXXX XXXXXXXX, has violated my rights. 15 U.S.C 1681 section 602 A. 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 ) ( 1 ) 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 2025-02-22 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: GA

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. Account name : XXXX XXXX XXXXXXXX, has violated my rights. 15 U.S.C 1681 section 602 A. 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 ) ( 1 ) 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 response to consumer: Closed with explanation
Consumer complaint received 2025-02-22 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: FL

Complaint narrative:
These accts arent mine, I have repeatedly showed proof that these accounts are not mine with letters and ftc reports, they have yet to show proof these are mine

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 2025-02-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A.
State: IA

Complaint narrative:
I paid off my Best Buy credit card balance in early XXXX. Citibank is still reporting to the XXXX credit bureaus that I owe about XXXX dollars with a closed account and no new purchases. I disputed my balance with XXXX with a receipt, and they told me I still owe the debt notwithstanding the evidence.

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 2025-02-22 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:
Experian will not investigate the payment history and information on my credit report. Ive tried and tried for several years to check the information and remove or fix the problem but they juts send emails sayin no change from dispute and they never even tried to investigate.

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 2025-02-22 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: FL

Complaint narrative:
Re : Validation and Cease-and-Desist Request. 
Account # XXXX Dear XXXX I am writing to formally dispute the alleged debt associated with the account number! 
XXXX that you claim is mine. 

I previously requested validation of this debt, but the information you provided does not suffice as proper validation under 15 USC 1692g ( a ). You have not provided adequate proof that this debt is tied to me, and you have failed to meet your obligation to validate and accurately report this information.

Furthermore, the information you are reporting regarding this account is severely inaccurate and conflicting across all three credit reporting agencies. It is your legal responsibilitynot mineto ensure that all information reported is accurate, verifiable, and consistent. I can not and will not validate this information for you. 

To clarify, this alleged debt should not be reported at all unless it is properly validated. Therefore, I demand the following : XXXX. Proof that your company retains ownership rights to this account, including documentation showing how and when the debt was acquired through a transfer of ownership or assignment.

2. A detailed explanation for the discrepancies in how this debt is reported across the three major credit 3. A complete and itemized breakdown of the debt, including the original balance, any intere payments, and credits, as well as the current balance.

4. A copy of any assignment or transfer agreement from the original creditor to your company my name and original account number. 
5. Documentation detailing how you verified and validated the alleged debt, including the Proof and the supporting records.

This letter serves as formal notification that I expect the immediate removal of this collection from my credit report and the cessation of all collection activities. Should [ XXXX ] fail to comply, I will escalate this matter further by pursuing all available legal remedies and filing complaints with the CFPB, the Federal Trade Commission, and my states attorney general. 
I demand that the CFPB take swift action in investigating this matter and ensure that my rights under the FDCPA are fully upheld. Please provide me with confirmation that this complaint has been received and is being reviewed. 

Thank you for your immediate attention to this serious matter. I look forward to your prompt resolution. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
As of XX/XX/year> : My XXXX  report reflects a Credit Alert of Delinquent Account Reported By XXXX XXXXXXXX XXXX XXXXXXXX I called the lender Raymour & Flanigan who confirmed that in fact the account has been paid in full, it is in good standing and contested fees in the amount of {$40.00} will be credited to my account as of XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FIRST NATIONAL BANK OF PENNSYLVANIA
State: PA

Complaint narrative:
On XX/XX/year>, I deposited {$1000.00} into the XXXX ATM on XXXX in XXXX ( XXXX XXXX, XXXX  ) and received credit in my account for {$640.00} in XXXX separate installments of {$400.00} and {$240.00}. I quickly called my bank to let them know some error occurred. They were very receptive at first and credited me the rest of my money. I just received a letter in the mail today saying they are going to take that money back???? I dont know what to do.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-02-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Platinum card charged me {$130.00} in interest as of XX/XX/XXXX. The rate is 26.74 % My aim is to pay credit card balance in full. It's becoming onerous to do this when more than half the minimum payment is made of interest charges. I just made a significant payment towards bringing down the outstanding balance. I'd like to contest charges/fees/interest on the basis that I had a 22.49 % interest rate back in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-22 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: DC

Complaint narrative:
I have disputed a collection from accounts XXXX XXXX and XXXX and XXXX XXXX. Experian failed to provide me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, they have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ).

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 2025-02-22 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: MD

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 2025-02-22 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: TX

Complaint narrative:
Account opened without my knowledge victim of identity theft. I have attached report XXXX XXXX XXXX Original creditor : XXXX XXXX {$1500.00} Balance updated XX/XX/XXXX Original balance {$1500.00} Account number XXXX Date opened XX/XX/XXXX Account type Debt Buyer Status Collection account. {$1500.00} past due as of XX/XX/XXXX. 

Status updated XX/XX/XXXXXXXX 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 2025-02-22 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: LEXISNEXIS
State: NV

Complaint narrative:
This is a continuation of complaints XXXX, XXXX in which they keep stating they cant identity me. This failure to comply with the law, and continue with the same tactics is failure to comply

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Client Services, Inc.
State: MS

Complaint narrative:
Continue to call and harass me about a debt that was charged off

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-22 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:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report theyre hurting my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-22 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: AL

Complaint narrative:
Subject : URGENT - Fraudulent Auto Loan Reporting by Reprise Complaint Details : I am filing a formal complaint against Reprise for fraudulently reporting an auto loan that I have never had and falsely stating that I have made a payment to them. 

I have never taken out an auto loan with XXXX, nor have I made any payments to them. Yet, they continue to falsely report this account to the credit bureaus ( Experian, Equifax, and TransUnion ) without providing any verification or proof that this account is legitimate.

I have disputed this account multiple times with the credit bureaus, yet XXXX has continued to verify this false information without presenting any legally required documentation. This is a clear violation of the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2 and the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692.

What I Am Demanding : 1. IMMEDIATE REMOVAL of this fraudulent auto loan from my credit reports. 
XXXX. FULL VALIDATION If Reprise claims this account is legitimate, they must provide : A signed loan agreement proving I authorized this account. 
A full payment history with timestamps. 
Proof that they are the original creditor or have legal rights to report this debt. 
XXXX. CORRECTION WITH CREDIT BUREAUS Reprise must notify Experian, Equifax, and TransUnion that this information is false and update their reporting immediately.

Failure to Comply : If Reprise does not remove this fraudulent account immediately, I will escalate this complaint further, including : Filing a formal complaint with the XXXX XXXX XXXX XXXX XXXX  ) Contacting my State Attorney Generals Office for investigation Exploring legal action for willful FCRA and FDCPA violations This false reporting is damaging my credit, and I will not tolerate further delays. Reprise must provide proof or remove this account immediately. 

Social Security # XXXX Account Number : XXXX They are also reporting under XXXX different businesses Reprise and Springlight Financial. I AM OVER THE STALL TACTICS!!

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 2025-02-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA
State: LA

Complaint narrative:
I'm on the XXXX plan and have been in administrative forbearance. I should not be accruing interest on my loans, but since XXXX my servicer, Mohela, has been adding to my balance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I opened this account 6 Months ago and they have all my contact information and I set the payments up on auto draft. I did not realize the last payment didn't go thru. I never received a written notice or a phone call the account was slightly delinquent. It was caught up immediately after I realized the error. It was reported to the credit bureau a day after payment was made. It was reported XXXX. Causing a XXXX point drop in my credit!!!! Please help me correct this.

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 2025-02-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
As of XX/XX/year> : My creditwise report reflects a Credit Alert of Delinquent Account Reported By Experian XXXXXXXX XXXX XXXXXXXX I called the lender XXXXXXXX XXXX XXXXXXXX who confirmed that in fact the account has been paid in full, it is in good standing and contested fees in the amount of {$40.00} will be credited to my account as of XX/XX/year>.

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 2025-02-22 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:
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. Account name : XXXX XXXX XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. 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 ) ( 1 ) 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 response to consumer: Closed with explanation