vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-14 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I am a client of Capital One and noticed CFPB is suing for the misleading practices of the bank not paying correct interest rates. I had established my account with Capital One using 360 Money Market ac which was the legacy high yield account. I needed to transfer to Capital One 360 Performance ac to obtain the high yield rate. No notification was sent to me to transition nor alerts. The period of time earning lower interest rate went on for years until transferring my balance of {$140000.00} to XXXX XXXX on XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 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: Resurgent Capital Services L.P.
State: LA

Complaint narrative:
After careful review of my credit report, I realized that Law 15 USC 1681E was violated. This information was obtained through a debt buyer that I'm certain does not have my XXXX XXXX signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 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: VA

Complaint narrative:
This debt collector engaged unfair, abusive, and deceiving tactics that are unlawful under the FDCPA. They provided this account, for which i did not sign an agreement, and we did not agree. Two parties must sign a legal contract, and I was not involved in any of it. Furthermore, they failed to stick to the correct five-step validation procedure, which renders these activities unfair. I'm enttied to payment under the FDCPA for each infraction, and it's apparent that they broke my rights. I want all XXXX XXXX, accounts removed immediately.

15 USC 1681i ( 5 ) 15 USC 1681s-2 15 USC 1681 b

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 2025-01-14 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: AR

Complaint narrative:
I strongly request the immediate removal of this late payment from my account, as it does not accurately depict my payment history. I have consistently made timely payments, and it is unacceptable to have this erroneous entry listed. Kindly update my account promptly.

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 2025-01-14 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX XXXX : Debt Validation Request for Account Number XXXX DearColony/Ashro I am writing in response to your recent communication dated XX/XX/year> regarding an alleged debt you claim I owe. Under the Fair Debt Collection Practices Act ( XXXX  ), I am requesting that you validate this debt and provide documentation to prove that I am legally obligated to pay it. 
Specifically, I am requesting the following information : XXXX. The name and address of the original creditor. 
XXXX. The amount of the debt, including a breakdown of all fees, interest, and payments. 
XXXX. Proof that you are authorized to collect this debt. 
XXXX. Copies of any documents that show I agreed to pay this debt ( e.g., the original signed agreement or contract ). 
Until I receive this information, I am requesting that you cease all communication regarding this matter, except to provide the requested validation. Additionally, please ensure that you do not report this debt to any credit reporting agencies during this validation period, as doing so would be a violation of the FDCPA. 
If you can not provide the requested documentation, I respectfully ask that you stop collection activities and remove any references to this debt from my credit reports. 
Please be aware that this letter is not an acknowledgment or acceptance of the debt. I reserve the right to file complaints with the Federal Trade Commission ( XXXX  ) and my state attorney generals office if I believe my rights under the FDCPA have been violated. 
I look forward to your prompt response. Please send the requested information to my address above. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-13 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:
my identity was used to open a XXXX ACCOUNT XXXX XXXX AMOUNT OF XXXX I HAVE ATTACHED A FTC THEFT REPORT PER THE FCRA THIS SHOULD BE REMOVED AS IT WAS OPEN BY IDENTITY THEFT

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 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: FL

Complaint narrative:
my identity was used to open a XXXX ACCOUNT XXXX XXXX AMOUNT OF XXXX I HAVE ATTACHED A FTC THEFT REPORT PER THE FCRA THIS SHOULD BE REMOVED AS IT WAS OPEN BY IDENTITY THEFT

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 2025-01-14 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: TX

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

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 2025-01-14 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: Regional Management Corporation
State: SC

Complaint narrative:
XXXX XXXX XXXX  {$1600.00} Charge off, Quick Credit Charge off {$1000.00} Regional Finance {$15000.00} Charge-off, and I did not receive a 1099c of any of this

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 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: NY

Complaint narrative:
I am writing to formally dispute and request the correction of inaccurate personal information on my credit report. Upon review, I noticed discrepancies in my listed address history. These errors are unrelated to me and should be removed to ensure the accuracy of my credit profile. 

Specifically, I request the removal of the incorrect information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL, XXXX, XXXX XXXX XXXX, XXXX XXXX, FL, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, FL, XXXX, XXXX XXXX XXXX, XXXX, FL, XXXX I also request that my credit profile be updated with the accurate information : Full Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX, New York XXXX Social Security Number : XXXX Date of Birth : XX/XX/year> To support my request, I have attached : A copy of my government-issued ID verifying my name and date of birth. 
A recent utility bill confirming my current address. 
A copy of my Social Security card verifying my SSN. 

This letter serves as a formal dispute under the Fair Credit Reporting Act ( FCRA ). I request that you : Investigate and remove any inaccurate personal information from my credit report. 
Update my credit profile with the correct details listed above. 
Provide written confirmation of the corrections and supply an updated credit re

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: NC

Complaint narrative:
This company has called excessively with auto calls and hanging up when phone is answered. They have not provided proof of contract with them

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: TX

Complaint narrative:
I am eligible for PSLF. Mohela placed me in forbearance for XXXX and XXXX of 2024 to transfer their system to another platform. I was led to believe those months would still count towards PSLF because payments could not be made at that time. I had not requested the forbearance. Now Im learning those months will not count towards XXXX. I made what should have been my XXXX payment in XX/XX/year> and submitted an employment certification form. These forms are taking months to years to process. I just submitted a request to buy back XXXX and XXXX with XXXX. But it could take months before I hear about that and my employment certification form On top of that I was originally scheduled to recertify my financial information in XX/XX/year>. I waited as long as I could to submit because the XXXX  had announced these due dates would be pushed back another year. I did not want to lose any time towards PSLF for not applying before the deadline. A few days after my deadline I received notification that my deadline to recertify financial information had indeed been pushed back a year. Last week Mohela finally got to my form submitted in XXXX. Since they are not processing these forms now they put me on forbearance right before my XXXX payment was due. XXXX and XXXX would have made up for XXXX and XXXX payments and I would have been fine with that. I did submit a question to Mohela about forbearance by their website but have not had a response. I would appreciate any assistance you can give in the way the lenders and the XXXX  have made such a mess of student loans.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I recently checked my credit report and noticed that there's a few inquiries that I don't recognize, I did not authorize this nor given consent to the company to pull up my credit report and it might've been done online without my knowledge. It is stressing me out and making me XXXX. Hope you can address this soon, please.

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 2025-01-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
On XX/XX/XXXX Bank of America XXXX was permanently closed with fully paid balance. since I got married I have joint to my husband jibe account credit card. when I applied for loan din XXXX I learned that my credit score is very low due to negative impact Bank of America credit card report. The was outstanding balance for unauthorized charge of {$89.00}. due to that amount they reported six negative late payments from XXXX to XX/XX/XXXX and 63 derogatory marks, appeared on my XXXX and XXXX report. 
on my Expirian report appeared as acc # XXXX and states that this account was charged off as XX/XX/XXXX I have made several attempts to contact BOA in XXXX and XX/XX/XXXX just after I found out about my credit score issues. the made some empty promises to have resolved it promptly, however nothing happened to this day. 
I will attached correspondence with Boa from that time. 
Than your time and involvement in this case

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 2025-01-13 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: NV

Complaint narrative:
Accts Im disputingXXXX XXXX XXXX XXXX XXXX ( no acct number the amount is {$2600.00} and this is a collection thats not mine and original creditor dont even exist anymore this collection also is part of data breach )XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Also for Improper use of your report ( shared without consent, credit inquiries from unknown sources ) Inquiries are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: PA

Complaint narrative:
I qualified for PSLF and applied for this in XX/XX/year>. I had 2 federal loans. One of my loans was forgiven in XX/XX/year> but the other was not forgiven before MOHELA went onto a new computer system in XX/XX/year>. I have reached out to MOHELA and Federal Student Aid multiple times since XX/XX/year> and the remaining loan is still not forgiven. I have been told by FSA that it is a problem with MOHELA and MOHELA tells me that they do not have the info to forgive from FSA. I received a letter in XX/XX/year> from FSA stating that my remaining loan should be forgiven but it is still active and I have had to apply for multiple forebearances through MOHELA. The FSA forgiveness letter states that my servicer will contact me within 30 days to discharge the loan. That loan is still active. I have been told by both FSA and MOHELA to be patient and wait for it to be processed but this month marks 1 year since I applied for PSLF. In 3 months, it will be 1 year since my first loan was forgiven ( and both should have been forgiven at the same time ). I have had to spend multiple hours on hold with MOHELA without getting anywhere. I have now been told my loan is past due despite the forebearance ending yesterday ( a non-business day ) and being enrolled in AutoPay.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-14 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
In a recent review of my Lowes statements I have discovered that every month my entire payment is being put on my deferred interest balance that I took out in XXXX of XXXX with XXXX months deferred interest. I can only go back as far as XX/XX/XXXX because that is all thats available online, but the only time any money is put towards my general balance is if I return something. The entire amount I return is applied to my general revolving balance of things Ive charged each month. Lowes gives a 5 % discount for using their card so when I purchase something there I always use my card. However, none of my payment is put towards this balance, not even months that I do not return anything. That balance keeps growing and I am charged interest monthly. 

I thought I was paying these new charges off every month. Each month I pay XXXX XXXXXXXX, way over the minimum payment. I thought I was first paying the minimum balance, next my new monthly charges with the higher interest rate, and lastly anything left over was going towards my deferred interest balance which is XXXX XXXX until it expires XXXX  months after my charge. However, that is not the case. I have notified Lowes of this and the people on the phone can only correct anything within the last 60 days. They said they have sent my account to be reviewed.

I am filing this complaint because I think you should investigate to see if all Lowes credit card customers with a deferred balance are being treated this way. It is my understanding that they can do this ( apply payment towards the deferred interest balance before applying it to balances with a higher interest rate ) ONLY the last XXXX  months before a deferred interest balance becomes due. I have paid interest for an entire year that I should not have. If this is Lowes common practice then they are making a lot of money and charging a lot of people interest that Lowes is not entitled to. Please let me know if I have misunderstood the law. 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 2025-01-13 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: IL

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, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. 

I looked at my Transunion Credit report on XX/XX/XXXX ( XXXX ) for XXXX XXXX, XX/XX/XXXX ( XXXX ) for XXXX, XX/XX/XXXX and XXXX ( XXXX ), and XX/XX/XXXX ( XXXX ) for XXXX XXXX, XX/XX/XXXX ( XXXX ) for XXXX, XX/XX/XXXX ( XXXX ) for XXXX  And XXXX, XX/XX/XXXX ( XXXX ) for XXXX, according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5, they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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. 

15 U.S.C. 1681B ( 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 non-monetary relief
Consumer complaint received 2025-01-14 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: GA

Complaint narrative:
I am writing to formally dispute the inclusion of a fraudulent Closed account on my credit report and request its removal under FCRA 15 U.S.C. 1681c-2 ( Section 605B ). The account in question was opened or accessed fraudulently as a result of the XXXX data breach, which compromised my personal information. Account # XXXX has violated my rights. Account # XXXX has violated my rights. Account # XXXX has violated my rights. 



Details of the Closed Fraudulent Account : Account Name : Capital One Date Opened : unknown As stipulated under Section 605B of the FCRA, I have attached the following documentation to support my request : 1. A copy of my government-issued identification.

2. Proof of my current address ( [ e.g., utility bill, bank statement ] ).

3. A copy of the FTC Identity Theft Report or police report documenting this incident. 







This fraudulent account was created without my knowledge or consent, and its presence on my credit report is inaccurate and harmful. Pursuant to the law, I request that this item be blocked and removed from my credit report within the required timeframe of four business days upon receipt of this letter and supporting documentation. 



If you require additional information, I can be reached at [ your phone number ] or [ your email address ]. I appreciate your prompt attention to this matter and look forward to your confirmation that the fraudulent information has been removed. 



Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX per FCRA 15 U.S.C 1681c-2 ( section 605B ) Credit reporting Agencies Are required to removed fraudulent information from your credit report within four business days of receiving request.

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