vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-05 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc
State: MD

Complaint narrative:
I received a collection notice from a debt collector claiming I owed {$26000.00} for a prior rental account. This amount is significantly higher than the court judgment awarded in my case. The court judgment for this debt, dated XXXX in XXXX XXXX, awarded {$7600.00}. 

The collector has consistently reported this inflated amount on my credit report, causing significant financial injury. This incorrect reporting has harmed my ability to establish credit or lease another apartment. Additionally, I am unable to negotiate a payment plan for the actual amount I owe because the amount they have listed is egregiously inflated. 

I have disputed this inflated amount with the credit bureaus and requested validation from the debt collector, including a breakdown of charges and fees added to the original judgment. Despite my actions, the collector continues to report the inaccurate balance on my credit report. 

Their actions appear to violate the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ), as they are attempting to collect and report an amount that is not legally justified. This discrepancy is misleading and has caused undue harm to my financial well-being. 

I request the CFPB to intervene to : Require the collector to validate the debt, including a breakdown of all charges and fees. 
Ensure the collector reports the correct judgment amount. 
Address potential violations of the FDCPA and FCRA for reporting and attempting to collect an inflated debt. 
Thank you for addressing this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-05 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: FL

Complaint narrative:
Trans union is displaying inaccurate and fraudulent information on my credit report even after knowing that it is fraudulent and they placed the alert on my report they have two bankruptcies finger hit and chime showing up and I have contacted them several times to remove and adjust my credit score the information Im speaking of will be attached to this complaint

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 2025-01-05 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: FL

Complaint narrative:
I just recently looked on my report XX/XX/XXXX. I saw some hard inquiries that did not have permissible purpose. 

XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. This Inquiry that has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681B XXXX XXXXXXXX XXXX XXXX XXXX XXXX. This Inquiry that has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681B 3. XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. This Inquiry that has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681B 4. XXXX XXXX, XXXX XXXX XXXX XXXX  This Inquiry that has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681B 5XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This Inquiry that has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681B 6. XXXX XXXX XXXX XXXX XXXX XXXX This Inquiry that has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681B XXXX XXXX XX/XX/XXXX. This Inquiry that has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681B

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 2025-01-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: General Motors Financial Company, Inc.
State: PA

Complaint narrative:
Debt Validation I am writing in response to the notice of debt you sent me regarding an alleged outstanding balance. Under the Fair Debt Collection Practices Act ( FDCPA ), I request that you provide me with detailed validation of this debt, including : The amount of the debt. The name of the creditor to whom the debt is owed. A copy of the original signed contract or agreement that outlines the debt, along with the date it was incurred. A complete history of any payments made, including the date and amount of each payment, if applicable. Proof that you are authorized to collect this debt on behalf of the original creditor. Any judgments or other legal action taken in relation to this debt. Please provide this documentation within 30 days as required by law. During this period, I expect you to cease any collection activities, including reporting to credit bureaus or initiating legal action, until the requested validation is provided. Thank you for your attention to this matter. I look forward to your prompt response. Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-05 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:
Recently I looked at a copy of my credit report and noticed several inaccuracies in my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-01-05 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Charged upfront or unexpected fees — 
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
i attempted to reach out to creditors regarding obtaining a login, but they consistently declined to assist me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Equifax, XXXX, and XXXX are reporting inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-05 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:
XXXX, XXXX, and Experian are reporting inaccurate information.

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 2025-01-05 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: NC

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I have fraudulent accounts on my credit report. Please remove these accounts from my credit report, they are hurting my ability to obtain credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This forceful grievance underscores the alarming inclusion of inaccurate and incomplete credit information in my profile. It is glaringly evident that your operations have drastically fallen short of the fundamental standards mandated by credit reporting laws, particularly 15 USC 1681. This federal statute explicitly dictates that credit bureaus must report nothing less than 100 % accurate credit information, leaving no leeway for the haphazard and erroneous data currently tarnishing my report. The seriousness of this transgression necessitates an immediate and thorough re-examination of the following details, ensuring strict adherence to the unyielding statutory provisions outlined in 15 USC 1681 1 : Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( XXXX ) this account in violation not reporting 100 % accurate XXXX : XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 2.COLLECTION agency did not send me anything to verify this account so how did you verify it Where is the valid documentation Please remove this account immediately. XXXX XXXX Account Number : XXXX. Please remove it from my credit report. XXXX. COLLECTION agency did not send me anything to verify this account so how did you verify it Where is the valid documentation Please remove this account immediately. XXXX XXXX XXXX Account Number : XXXX. Please remove it from my credit report. XXXX. COLLECTION agency did not send me anything to verify this account so how did you verify it Where is the valid documentation Please remove this account immediately. XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. XXXX. COLLECTION agency did not send me anything to verify this account so how did you verify it Where is the valid documentation Please remove this account immediately. XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. XXXX. 
COLLECTION agency did not send me anything to verify this account so how did you verify it Where is the valid documentation Please remove this account immediatelyXXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. XXXXCOLLECTION agency did not send me anything to verify this account so how did you verify it Where is the valid documentation Please remove this account immediately. XXXX XXXX XXXX Account Number : XXXX Please remove it 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 non-monetary relief
Consumer complaint received 2025-01-05 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am filing this complaint to address violations of the Fair Credit Reporting Act ( FCRA ) by XXXX, Experian and XXXX. Specifically, all entities have failed to add a notice of dispute to my credit file, despite my submission of certified disputes in XXXX and XX/XX/XXXX. 



The FCRA, under Section 611 ( a ) ( 3 ), requires credit reporting agencies and furnishers to add a notice of dispute to a consumers credit file when a consumer disputes the accuracy of information. This obligation applies to both XXXX XXXX Experian, as a credit reporting agency, and XXXX, as the furnisher of information. 



Timeline of Events : XXXX. XX/XX/XXXX : I sent a certified dispute letter to XXXX and XXXX Credit Card disputing the accuracy of information on my credit file. XXXX XXXX. XX/XX/XXXX : I sent a follow-up certified dispute to ensure receipt and acknowledgment of my previous request. XXXX XXXX. XX/XX/XXXX : Upon reviewing my credit file, I found that neither XXXX, Experian, nor Discover Credit Card had added a notice of dispute to the information in question. 



Violations : XXXX & Experian : Failure to update my credit file with the required notice of dispute as mandated under the FCRA. 

XXXX : Failure to report the information as disputed to XXXX after being formally notified of the dispute. 



Impact : The lack of a notice of dispute misrepresents the status of my credit information and has caused harm to my financial reputation. Additionally, it undermines my ability to resolve inaccuracies within my credit report in a fair and timely manner.

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 2025-01-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: MOHELA
State: MN

Complaint narrative:
I am under the XXXX program and had XXXX payments remaining. I was told to apply for the XXXX program when it came out. I did so. When the payment plan went into forbearance my payments stopped. I am XXXX payments away from forgiveness. I submitted for XXXX on XXXX to Mohela. I have tried to call and reach out through the student aide website but wait times are either too long or I do not hear anything back. I need the XXXX reviewed so I can start to make payments to be able to complete my XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-05 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed.

I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the XXXX data breach, which has exposed my sensitive data to unauthorized individuals. 
The following fraudulent accounts and inquiries have been identified as a result of this breach XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-01-05 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: F.H. Cann & Associates, Inc.
State: MA

Complaint narrative:
Dear XXXX XXXX XXXX XXXX XXXX XXXX I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. Thank you for your prompt Attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-05 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:
I am disputing the account listed under XXXX XXXX XXXX, originally from XXXX XXXX XXXX, because the information reported is inaccurate and fraudulent. Specifically, the last name associated with the account is clearly misspelled, which makes the account invalid and unverifiable. Furthermore, I am attaching an FTC Identity Theft Report to demonstrate that this account does not belong to me and is fraudulent. 

Under 15 U.S.C. 1681c-2, Credit Reporting Agencies ( CRAs ) are required to block and remove fraudulent information from a credit report within 4 business days after receiving notice and supporting documentation. I have provided the following : A copy of my FTC Identity Theft Report detailing the fraudulent nature of this account. 
A request for immediate removal as this account is both inaccurate and damaging to my credit. 
Additionally, under 15 U.S.C. 1681e ( b ), CRAs are obligated to ensure " maximum possible accuracy '' in the reporting of information. This account fails to meet that standard due to the incorrect last name and fraudulent origination. 

Under 15 U.S.C. 1681i, CRAs must reinvestigate any disputed information and delete unverifiable or inaccurate items promptly. The inaccurate spelling of my last name makes verification of this account impossible. 

Further, under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692e ( 8 ), furnishers of credit information are prohibited from reporting false information. This makes the reporting of this account a direct violation of federal law.

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 2025-01-05 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: CA

Complaint narrative:
I recently review a copy of my credit report and notice I had fraudulent accounts on my report please remove these accounts from my report. They are hurting the ability to obtain credit

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-05 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:
Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXXXXXX  ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, XXXX, Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a Accounts : Commonwealth of Va Account # : XXXX  date opened XX/XX/XXXX bal. {$9400.00}, XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$2100.00}, XXXXXXXX XXXX XXXXXXXX Account XXXX XXXX date opened XX/XX/XXXX bal. {$1500.00} Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief