vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-10 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Formal Complaint and Dispute Against National Credit Systems , Inc . 
Dear CFPB Representative, I am submitting this formal complaint against XXXX XXXX XXXX XXXX XXXX regarding a collection account they have reported to the credit bureaus for the alleged original creditor XXXX XXXX XXXX XXXX, with a balance of {$8400.00}. This collection agency has violated multiple consumer protection laws and my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). I request that the CFPB take immediate action to investigate and enforce compliance. 
Violations Committed by National Credit Systems , Inc . 
XXXX. Failure to Provide Debt Validation Information ( 12 CFR 1006.34 ( b ) ( 5 ) ) * XXXX XXXX XXXX has failed to provide the legally required validation information regarding this alleged debt. Despite this, they have reported the account to the consumer reporting agencies, which is a direct violation of XXXX XXXX under the FDCPA. 
XXXX. Denial of Right to Dispute ( 12 CFR 1006.34 ( c ) ( 4 ) ( i ) ) * I have not received a Notice of My Right to Dispute this debt before it was placed on my consumer credit report. This omission denies me my statutory right to challenge or verify the validity of this alleged debt. 
XXXX. Use of False, Misleading, or Deceptive Collection Practices ( 15 USC 1692e ) * The collection agency has misrepresented the status and validity of this debt by reporting it without providing the required notices, which constitutes deceptive collection practices.

4. Unlawful Credit Reporting Without Proper Disclosures ( 12 CFR 1006.34 ( d ) & 15 USC 1681s-2 ( a ) ( 7 ) ( A ) ) * The collection agency has no legal authority to furnish this account to consumer reporting agencies without first providing the required disclosures. Their actions violate FCRA regulations and Regulation F, which mandates specific notices before credit reporting. 
Requested Action Given these serious violations, I am requesting the CFPB to : * XXXX XXXX XXXX XXXX XXXX XXXX for noncompliance with Regulation F and the FCRA. 
* Require the collection agency to immediately remove this erroneous account from all consumer reporting agencies. 
* Impose penalties and ensure the collection agency ceases unlawful collection activities. 
* Ensure that all consumers, including myself, receive proper validation and dispute rights before negative credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-10 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: TX

Complaint narrative:
Jefferson capital is stating that i owe a communication company by the name of XXXX, i have sent debt validation letter, asking for proof of debt and amount they are saying is owed, and who they got this information from. This has still not been provided to me. I am now constantly getting harassing texts by this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-10 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: CA

Complaint narrative:
It showing that I have a late payment which I never missed a payment on this account I been having this credit card since XXXX  and have never missed a payment, Im asking that this late payment be removed immediately within 4 days.

A fair resolution will be for Experian, Transunion and Equifax to obey these Laws FCRA 605B ( 15 U.S.C. 1681c-2 ) 15 USC. 1681 ( e ) ( b ), 15 USC. 1681i 5, 15 USC 1681, 15 USC 6801 ( a ) ( b ) 15 USC. 1666 B and remove all fraudulent accounts, inaccuracies, collections, charge offs, inquiries, late payments stated

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 2025-03-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: FL

Complaint narrative:
XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Re : Letter To Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following items to be errors. 

Here as follows are items in error : **Credence Resource Management ( Account # XXXX ) ** I am unaware of the above-listed account. Please **VALIDATE** this information with the creditors and **PROVIDE ME WITH ANY DOCUMENTATIONS** associated with this account, ( i.e., an **ORIGINAL CONTRACT BEARING MY SIGNATURE** ). I formally request that this information be immediately deleted from the credit file you maintain under my social security number. 

Please note that you have **30 days** to complete your investigation, as per the **FAIR CREDIT REPORTING ACT section 623 ( a ) ( 3 ) **, and I am keeping **CAREFUL** record of your actions. Failure to respond satisfactorily within **30 days** of **RECEIPT** of this **CERTIFIED** letter will result in a **small claims action** against your company. I will be seeking **\ {$5000.00} in damages** for : 1. **Defamation** 2. **Negligent Enablement Of Identity Fraud** 3. **Violation Of The Fair Credit Reporting Act** You will be **REQUIRED** to appear in a court venue local to me, in order to formally defend yourself. 

P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via the XXXX XXXX XXXX along with an **online public press release**, including documentation of any potential small claims action. 

- Please remove all non-account holding inquiries over 30 days old. 

Thank you for your cooperation in this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-10 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: WI

Complaint narrative:
I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAU is required to remove any accounts not later than 4 business days after the receipt. Also, the information provided on some accounts are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX Balance Owed : {$1600.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$3000.00} XXXX XXXXXXXX XXXX Balance Owed : {$4000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Dear CFBP, I am filing a formal complaint against XXXX XXXX, a rental agency in XXXX, XXXX for unethical business practices, intimidation, and potential misuse of my personal information. 

I recently booked a XXXX furnished rental ( XXXX XXXX ) in XXXXXXXX XXXX XXXX this merchant. Upon arrival, I found the unit to be uninhabitable due to several issues, including : A broken bed Poor-quality and uncomfortable mattress A non-functional dishwasher Low or missing lighting A sofa that was unhygienic and emitted a foul odor Dirty and unsanitary carpets No elevator access to the third floor ( which was not disclosed beforehand, even when I asked explicitly while booking ) Due to these serious issues, I immediately contacted the merchant and requested a refund. The merchant denied my request, leaving me no choice but to dispute the charge through Chase. 

After initiating the chargeback, I received a threatening SMS from the merchant, demanding that I withdraw my dispute and settle outside. They also implied they would escalate the matter and mentioned they had my personal information, most likely my Social Security Number ( SSN ). This message felt like an intimidation tactic, making me concerned about the potential misuse of my personal data.

I have informed about the same to Chase Dispute Department and have asked them to continue processing my chargeback, as the merchant is using unethical means to coerce me into withdrawing my dispute.I also request an investigation into this merchants business practices, including whether they are misusing customers sensitive information. 
I have attached screenshots of the merchants SMS threatening escalation, and previous conversations with them. 

I would appreciate any guidance on how to proceed. Please let me know if additional information is needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC
State: IL

Complaint narrative:
The company CAVALRY PORTFOLIO SERVICE Applied Account to my credit report as if I open a new account and applied to my credit on XX/XX/year> no applied or Had account with this company

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-10 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
We are the owners of the Real Property located at XXXX XXXX XXXX XXXXXXXX XXXX XXXX which is allegedly security for loan originally made to us by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX corporate history ; closed by the Office of XXXX XXXX and XXXX in receivership with XXXX XXXX XXXX XXXX XXXX XXXX ; sold thereby to XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX ; with the mortgage allegedly sold to BOFA XXXX XXXX XXXX XXXX XXXX XXXX. However, unable to ascertain whether the Promissory Note to XXXX XXXX XXXXXXXX XXXX has been endorsed in the sequence of the four times the Security Deed has been assigned, We are unaware as to which entity should have been or should now be benefiting from payments toward that purported loan. There is evidence in possession that the servicing Bank of America may be trying to collect payments on behalf of a party that can not show it is legally entitled to enforce the Promissory Note and Deed of Trust

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 2025-03-10 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: HI

Complaint narrative:
In XXXX, I had spoke with the credit card company letting them know I had no money or a job to make the minimum payment. They allowed me to have a minimum payment we agreed to, with a XXXX XXXX  program they said I wouldn't be charged any late fees for 3 months. Thinking I would have a job then. 

It was the first time ever that I couldn't pay and always paid before and was never late. 

I got into a accident which was another thing that I had to deal with, not allowing me to quickly find a job but take more time off. 

I spoke with them again in XXXX asking for a hardship program or anything they have to help with me not being able to make the payment in XXXX and they only said the program they had was the one that charged no interest, the one they gave in XXXX. 

Called them again in XXXX, asking for settlement or hardship assistance for having no money to even make the minimum payment due to still looking for a job and the time off from the accident I had. 

Just checked my credit card again and have seen they charged me XXXX $ in interest from XXXX to XXXX. Since XXXX they began charging me this. Starting at {$50.00} then going up. 

I paid the last minimum monthly payment in XXXX and the program started then. I have been as openly communicative with them as possible, every month. 

They said no settlement option was available this month when I called XXXX time or anything else, though I told them I had no money and could't even make the minimum payments, while I did remind them of my never late payments made for the almost 2 years I had the credit card and this is the only time I faced a hardship like this and I have NO MONEY.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-10 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: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
* In XXXX, after losing my job, I owed Comenity Bank {$110.00} and entered their hardship program, completing a XXXX payment plan. My balance went back {$110.00}, and I couldnt continue payments due to unemployment. 

* For several months, no payments were made. Multiple agents and supervisors claimed the account should have been written off at that point. Then a couple agents stated the account was closed in XXXX, yet others said it was just closed upon my request in XXXX. 

* Since XXXX, Ive repeatedly contacted XXXX, receiving conflicting information. Multiple supervisors admitted to a system error where my payments werent marked delinquent, preventing a written-off and causing my debt to grow despite no payments. Multiple supervisors stated they had seen the error and would call me back and work diligently to correct it, yet I received no call backs and no corrections. So instead, they never reported correctly and its reporting me as current with no late payments. I have not made a payment since XXXX! But now the balance is over {$1000.00} dollars. I only had a {$110.00} balance! Though they claim to be working on a fix, XXXX still calls for payments, inconsistently documents my case, and continues adding fees and interests. 

* I do not owe the amount shown in their system, and since they acknowledge the error but havent corrected it, what do I do?!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-03-10 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: CREDIT ACCEPTANCE CORPORATION
State: MD

Complaint narrative:
I am writing to formally request the immediate removal of the car loan account listed under my name on my credit report. This account is being reported inaccurately, and I believe that it is in violation of my rights under 15 U.S.C. 1681, commonly known as the Fair Credit Reporting Act ( FCRA ).

The FCRA provides explicit protections for consumers in relation to their credit reports. Specifically, it mandates that all information reported to consumer credit agencies must be accurate, fair, and complete. As part of these protections, I have the right to dispute any information that I believe is incorrect, incomplete, or unverifiable. I have exercised this right, but to date, I have not seen any satisfactory resolution regarding the car loan account on my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-10 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: MO

Complaint narrative:
I am filing a complaint against Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report, Despite my submissions Experian consistently responds within 24 hours stating the account is accurate without providing any evidence of a through investigative. This practice violates the Fair Credit Reporting Act ( FCRA ) 15 U.S.C 1681i, which mandates a reasonable investigation of disputes. Furthermore Experian actions may also contravene the Consumer Financial Protection Act ( CFPA ) 12 U.S.C 5536 ( a ) ( 1 ) ( A ) - ( B ) as highlighted in the CFPBs recent administrative proceedings ( XXXX XXXX  XXXX ) against them for similar violations. I request that CFPB take action to ensure Experian complies with federal law and provides consumers with the necessary proof of investigation. 


Accounts - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-10 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: PA

Complaint narrative:
I am writing to formally dispute the presence of unauthorized inquiries on my credit report. I have identified several inquiries that I did not authorize which I believe are in violation of 15 U.S.C 1681 ( c ) ( 1 ) ( A ) ( B ) ( I ) ( 3 ) of the Fair Credit Reporting ( FCRA ). According to the statute inquires on my credit report should only be made with my express consent or for permissible purposes as defined by the law. The inquiries in question were not authorized by me and they do appear to not have legitimate permissible purposes under the FCRA. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-03-10 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: PA

Complaint narrative:
I am writing to formally dispute the presence of unauthorized inquiries on my credit report. I have identified several inquiries that I did not authorize which I believe are in violation of 15 U.S.C 1681 ( c ) ( 1 ) ( A ) ( B ) ( I ) ( 3 ) of the Fair Credit Reporting ( FCRA ). According to the statute inquires on my credit report should only be made with my express consent or for permissible purposes as defined by the law. The inquiries in question were not authorized by me and they do appear to not have legitimate permissible purposes under the FCRA. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-10 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: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
During my car loan application process, my credit report was accessed 11 times in a very short period, all within XX/XX/year>, and XX/XX/year>. I understand that when applying for a car loan, my credit may be checked, but I believe the number of inquiries made in such a short span of time is excessive and has negatively impacted my credit score. 

The details of the inquiries are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> XXXX I understand that multiple lenders might check my credit during an auto loan application process, I was not fully informed about how many times my credit would be accessed. As a result, these multiple inquiries have negatively impacted my credit score. Since they all stemmed from the same car loan application process, I believe they should be considered as one inquiry and the additional entries should be removed from my credit report.

I respectfully request that these inquiries be investigated and deleted from my credit report to reflect the fact that they were related to a single loan application. I also ask for confirmation that the corrections have been made.

Company response to consumer: Closed with explanation