vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: SC

Complaint narrative:
Company sold personal information to collectors after charge off period

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
I am writing to express my frustration and deep concern regarding my Capital One credit card account which has become increasingly difficult to manage due to high interest rates and escalating fees. Despite my ongoing efforts to negotiate a solution with Capital One, I have not received an offer that is both reasonable and manageable for my financial situation. 

For the past several months, I have reached out to Capital One in an attempt to resolve this issue, requesting options that would lower the 30 % interest rate and provide a more sustainable monthly payment plan. Unfortunately, the only options presented have been short-term plans that do not address the core issue : the unreasonably high interest rate and the inability to reduce my balance in a meaningful way. 

Furthermore, I have repeatedly requested a hardship program, only to be denied any suitable options that could allow me to regain control over my finances. The current payment plans offered do not reflect the reality of my financial hardship, as they are not affordable given my current circumstances. I have also made requests for a settlement, which were similarly denied, and I was advised on XX/XX/year> that my account would be charged off at XXXX  days past due. As I am now at XXXX days past due, I find myself in a distressing situation where the balance continues to accrue interest, and I am unable to make the required payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-01 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: World Acceptance Corporation
State: TX

Complaint narrative:
15 U.S. Code 1635 No Validation of Debt No 1099C Validation

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I pulled my credit report back in the end of XXXX, and noticed I had an account in collections. I searched the company and tried to find out information on Midland credit management and still did not recognize this company. I then reached out to all XXXX credit reporting agencies and disputed the collection account from the company Midland Credit Management, with a reporting balance of {$780.00}. I sent Midland Credit Management a Validation letter on XXXX XXXX. Never received anything in writing from Midland Credit Management at all. I still have yet to received anything in writing and I informed them in my letter to them, if debt could not be validated to please delete the account on all XXXX reporting bureaus and they have continue to keep reporting every month on my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX, Texas, XXXX SSN : XXXX D.O.B : XX/XX/XXXX Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : Please investigate and remove this account from my credit report. Due to Inaccurate reporting of information. 

XXXX Date opened : XX/XX/XXXX Account Number : XXXX Please investigate and delete from my credit report. 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

In accordance with The Fair Credit Reporting Act, Public Law 91-506, Title VI, Section 611, Please provide the names and business addresses of each individual with whom you verified above so that I may follow up, please send an updated copy of my credit report after your re-investigation.

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report.

I also request that you please send notices of corrections to anyone who received my credit report in the past sixmonths.

Attached is also and example of inaccurate reporting of opened dates on my report. Which deem this report inaccurate and must be remove by Law Failure to Remove will Result in Heavy Legal Action.

Thank you for your time and help in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX, Texas, XXXX SSN : XXXX D.O.B : XX/XX/XXXX Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : Please investigate and remove this account from my credit report. Due to Inaccurate reporting of information. 

XXXX Date opened : XX/XX/XXXX Account Number : XXXX Please investigate and delete from my credit report. 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

In accordance with The Fair Credit Reporting Act, Public Law 91-506, Title VI, Section 611, Please provide the names and business addresses of each individual with whom you verified above so that I may follow up, please send an updated copy of my credit report after your re-investigation.

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report.

I also request that you please send notices of corrections to anyone who received my credit report in the past sixmonths.

Attached is also and example of inaccurate reporting of opened dates on my report. Which deem this report inaccurate and must be remove by Law Failure to Remove will Result in Heavy Legal Action.

Thank you for your time and help in this matter.

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 2025-03-01 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Sterling Infosystems Inc.
State: SC

Complaint narrative:
A background check by Sterling contains erroneous information and resulted in adverse actions being taken against me by XXXX. The report summary shows XXXX XXXX Court Search ( Validator ) entry for XXXX XXXX Court which I have never had a case or conviction in another state. No verified data was provided for this entry which classified as 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 2025-03-01 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: 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 XXXX. 

15 U.S.C XXXX section XXXX A. States I have the right to privacy. 

15 U.S.C XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C XXXXc. ( a ) ( XXXX ) 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 XXXX years. 

15 U.S.C. XXXX ( A ) ( XXXX ) 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 2025-03-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA

Complaint narrative:
I was racially discriminated against and talked to like trash by XXXX XXXX a USAA auto injury XXXX and sent to an Special Investigations Unit when it was time to settle my claim, I was mad extremely uncomfortable by the agent from special investigations when I was interrogated as if I were a criminal, they asked personal question about my family members which were a complete invasion of privacy, I was verbally attacked and not allowed to speak without feeling pressured. They were looking for ways to not pay out my auto insurance injury claim, this is deceptive and manipulative in many ways. As a person who has went through extreme stress regarding this accident, my stress and XXXX have been dramatically increased as a result of this. I hope this finds the CEOs office so this no longer happens to any other members, I felt unvalued and treated like a criminal

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 2025-03-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX has violated the Fair Credit Reporting Act ( FCRA ) by improperly reporting inaccurate information to my credit file and failing to take corrective action. 

Under the FCRA ( 15 U.S.C. 1681s-2 ), data furnishers are required to ensure the accuracy of the information they report under 15 U.S.C. 1681s-2 ( a ) by reporting without my consent, and you are required under 15 U.S.C. 1681s-2 ( b ) to remove inaccurate information Failure to comply with the FCRA may result in legal action, including seeking damages as outlined under FCRA 616 and 617 ( 15 U.S.C. 1681n, 1681o )

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 2025-03-01 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:
This is my second request to Experian to provide me with the method of verification on this account and they have yet to respond.

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 2025-03-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: KS

Complaint narrative:
There is no signature on this count. I've never met these people. I have never had a meeting of the minds with these people. I have never set across the table and discuss any terms. I have never received a payment schedule. Or what my minimum monthly payment should be or could be. I have not received any information about this. I need this deleted as there is no way. This can be validated or verified. As me.I never did any of this.I should not have an account with these people

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-01 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: WI

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.

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 2025-03-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
My name is XXXX XXXX please add this to CFBP case number is XXXX I need my XXXX claim disputes numbers XXXX and XXXX a update on it if credits was provided or not or denied and if it was denied I need it to be reopen or appeal and investigate because I disagree with both decisions on both of the claims and then send me the new decision for both of the XXXX claims when yall reopen them up and investigate them again for both of them claims and if they still not in my favor please onetime my credit for a negative balance of {$210.00} because I am dealing with a struggling right and financial issue and hardship issue right now and I am on XXXX and have low income and received XXXX government benefits and I cant pay it and staying at a motel  homeless and send me proof of my new balance showing {$0.00} and send me my left over balance after all my claims are processed and send me a check in the mail for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX and send me my left over amount how much I am getting back when yall give me a onetime credit for {$210.00} to take care of my negative balance I didnt overdraft or make negative over fraudulent and my account is supposed to be automatically closing by yall on XXXX XXXX and I cant take care of that of my issue I say I am facing and I didnt do of fraudulent so please take care of that too and waive the negative balance to {$0.00} or give me a onetime credit for {$210.00} to make it cleared to {$0.00} because I am not going to pay for it I didnt do it and it is fraudulent and I am not responsible and my checking account number is checking account number is XXXX and saving account number is XXXX etc

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 2025-03-01 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: GA

Complaint narrative:
I am formally requesting debt validation under the Fair Debt Collection Practices Act ( FDCPA ) 809 ( 15 U.S.C. 1692g ), Metro 2 compliance standards, and Fair Credit Reporting Act ( FCRA ) for the following disputed accounts : XXXX XXXX XXXX XXXX ( Account XXXX XXXX XXXX XXXX XXXX ( Account # XXXX - XXXX Account ) XXXX XXXX ( Account # XXXX - XXXX Account ) XXXX XXXX XXXX XXXX ( Account # XXXX ) XXXX XXXX XXXX XXXX ( Account # XXXX ) XXXX ( Account # XXXX ) XXXX XXXX ( Account # XXXX ) I dispute the accuracy and validity of these accounts and request full verification before any further collection or reporting

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 2025-03-01 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: NJ

Complaint narrative:
Please check the information concerning the Equifax data breach in the attachments

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-01 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 am requesting an investigation into an account and inquiries on my credit report that may violate federal consumer protection laws. Under the Fair Credit Reporting Act ( FCRA ), I have the right to accurate and verifiable information in my file. This account and inquiries appears to have been reported without proper authorization, and I am requesting validation. If it can not be fully verified with supporting documentation, it should be removed immediately. Please review this inaccuracy and provide written confirmation of your findings and any corrective actions taken.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-01 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kriya Capital, LLC
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX ( 15 minutes ago ) to me XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX. 


Subject : Request for Immediate Removal of Accounts Due to Lack of Verification Dear XXXX, I am writing to formally dispute the following accounts listed on my credit report, as I have not received any documentation or proof of verification for these accounts. Under the Section 609 Fair Credit Reporting Act ( FCRA ), I am entitled to request such documentation, and the absence of it necessitates the immediate removal of these accounts from my report. 


Accounts in Dispute : 1. Credence Resource Management Account Number : XXXX Amount : {$590.00} Date Opened : XX/XX/XXXX I have made several attempts to obtain proof of verification, but no documentation has been provided. Therefore, I request that you remove these accounts from my credit report within 7 days of receiving this letter. 


Please consider this letter as my official request for the removal of the disputed accounts due to the lack of substantiating documentation. I appreciate your prompt attention to this matter and look forward to your immediate response. 


Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-01 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: GA

Complaint narrative:
I saw a collection company on my consumer credit report. I contacted the company ( JEFFERSON CAPITAL SYSTEM ) in writing on XX/XX/XXXX requesting the documents below & to date XXXX XXXX I have NOT received ANY response from JEFFERSON CAPITAL SYSTEM.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: AE

Complaint narrative:
I am now requesting proof of the previous investigation. I'm asking that you send your method of investigation, along with all records of who you spoke with, their business address, name, and phone number as well as documentation that proves this account was late, if you can not provide me with this information in 15 days please remove the fraudulent accounts and send me a copy of my updated credit report. 

File Number : XXXX Date of Investigation : XX/XX/year> Date of Investigation : 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 2025-03-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: AE

Complaint narrative:
I am now requesting proof of the previous investigation. I'm asking that you send your method of investigation, along with all records of who you spoke with, their business address, name, and phone number as well as documentation that proves this account was late, if you can not provide me with this information in 15 days please remove the fraudulent accounts and send me a copy of my updated credit report. 

File Number : XXXX Date of Investigation : XX/XX/year> Date of Investigation : XX/XX/year>

Company response to consumer: Closed with non-monetary relief