vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-17 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: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
XX/XX/XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX, NY XXXX Dear Sir/Madam, Re : Debt Validation Request {$460.00} Open Date XX/XX/XXXX I am writing to formally request validation of the debt referenced above, pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. Under this law, I am entitled to request that you provide verification of the debt you claim I owe before I am required to take further action regarding this matter.

Please provide the following documentation : 1. The amount of the debt.

2. The name of the original creditor to whom the debt was originally owed.

3. A detailed statement of the debt, including any charges, fees, and interest that may have been added.

4. Verification that I am legally responsible for this debt, including a copy of the signed contract or agreement that reflects my obligation to pay the debt.

5. Any judgment or legal documentation regarding the debt ( if applicable ).

6. Proof that you are authorized to collect on this debt, including your relationship with the original creditor.

7. If applicable, the original account number associated with this debt.

Furthermore, as permitted by law under 15 U.S.C. 1692c ( c ), I am also requesting that you cease and desist all collection efforts related to this alleged debt, including but not limited to any communications with me, until you have provided the requested validation. I do not consent to any further contact or collection efforts at this time.

In accordance with 15 U.S.C. 1692g ( b ), please be advised that during the time this debt is being validated, all collection activities must cease. I also request that you refrain from reporting this alleged debt to any credit bureaus until the validation process is complete, as required by law.

If you fail to provide the requested validation within 30 days from the date of this letter, you are required by law to cease collection efforts and remove any negative entries associated with this alleged debt from my credit rep
ort. Please be advised that any failure to comply with these legal obligations may result in further actions, including but not limited to formal disputes or complaints with the Consumer Financial Protection Bureau ( CFPB ) or the Federal Trade Commission ( FTC ).

Please send your response to the address listed above. I request that you provide the required documentation no later than 30 days from the date of this letter. If you are unable to provide validation, I expect the immediate removal of any derogatory entries related to this alleged debt from my credit report. 
Thank you for your prompt attention to this matter. 
Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
I was employed with XXXX XXXX and I had an bank account with Bank of America suddenly out of no where my account was locked and unable to access I called about the situation and try to fix the situation but the company suspected fraud to the account and decided to close my account after reviewing the situation it was to my knowledge that someone got access to my physical card and try to do fraud with my bank but only place I left my card and lost it was at an hotel in Maryland when I went on vacation but never reported the card stolen or missing because nowadays XXXX XXXX is so much easier for me so I thought nothing of it and weeks go back before any accident occurred to my bank because I was home back in XXXX pa still using my XXXX XXXXy card and getting paychecks but I tried to fight my case and nothing worked for me so now I am unable to open any banks

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 2025-03-17 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: W&A Intermediate Co., LLC
State: TX

Complaint narrative:
PLEASE CHECK THE INFORMATION CONCERNING THE XXXX DATA BREACH BELOW IN ATTACHMENTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-16 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: United Revenue Corporation
State: TX

Complaint narrative:
The month after going to the hospital my bill was sent to collections. I was never informed of the bill. I have XXXX credit score being affected by this bill. I put everything else on a payment plan from this date and would have done the same for this bill if it was known.

After bill was sent to collections I emailed 3 times asking for signature of proof that I allowed the original debtor to give my personal information to a collection agency, United Revenue corp. No response to the 3 emails one of those being XX/XX/XXXX. 
In XX/XX/XXXX the bill hit my credit. I then called. I requested a form to contest the bill. They said they would send that and itemized bill. I waited until XX/XX/XXXX and still never received promised items. At the date of XX/XX/XXXX the bill was at approx {$800.00}. I only had {$150.00}. I offered to pay the full {$150.00} if they would clear the debt. They refused. They also said the were not a debt collector and could not make a deal. I asked for the original debtor to work out a compromise and they refused to give their info. They said I can XXXX and figure it out. They then proceeded to tell me the original debtor hired them to do the work of collecting. 

I have tried to work with this company and they are ruining my perfect credit score! I always pay my bills on time and have a perfect payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA
State: VA

Complaint narrative:
In XXXX of XXXX, I made a large payment to my loan servicer, MOHELA, to pay off the remaining balance on my unsubsidized loans. I have a payment scheduled notification email and they took the money from my bank account. 

I made the payment on XX/XX/XXXX in the amount of {$8700.00}. The payment must have went through because it left my bank account the following day on XX/XX/XXXX. 

Since they, they have not removed the loans from my overall loan balance and claim that I owe XXXX  XXXX dollars in interest since the loans are unsubsidized - says on my account that the interest owed is up to todays date, XX/XX/XXXX, totally {$710.00} between both loans. 

I have reached out via their inbox and they claimed they would process it when they finished the transition to their new loan platform. I gave them some time and reached out again via inbox and their claimed they needed more information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
Loan opened up without my knowledge, settled to get it removed off my credit report. Still reporting on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 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: CL Holdings LLC
State: CA

Complaint narrative:
I am writing to formally dispute the presence of an account on my credit report that is listed under your company, referenced by the account number. I have no knowledge of this account, and I have not opened, authorized, or applied for any credit with your institution. 

Despite my previous attempts to resolve this issue, including contacting your company and the credit bureaus, this account continues to reappear on my credit report. This is causing significant damage to my creditworthiness, and I am deeply concerned that this inaccurate information is being reported.

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, I have the right to dispute any information on my credit report that I believe is inaccurate or incomplete. Since I have no knowledge of this account, I dispute its accuracy and request that you promptly investigate and provide verification that this account is, in fact, mine.

Additionally, 15 U.S.C. 1681s-2 ( b ) requires that lenders and creditors conduct a reasonable investigation if an account is disputed. Given that I have no knowledge of this account and it continues to appear despite my attempts to have it removed, I am requesting that you thoroughly investigate the matter and provide proof that this account is associated with me. If you can not provide such proof, I ask that you remove this account from my credit report immediately. 
I would also like to remind you of your responsibilities under 15 U.S.C. 1681e ( b ), which mandates that all information you report to credit reporting agencies be accurate and complete. The continued presence of this erroneous account on my report is a clear violation of these provisions.

I request the following : Immediate removal of this account from my credit report if it can not be verified as mine.

Written confirmation that the account has been removed from my credit report.

Assurance that this account will not reappear on my credit report in the future. 
If this matter is not resolved promptly, I will be forced to escalate my complaint to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney Generals office. 

Please consider this letter my formal dispute and request for resolution. I expect a response within 30 days, as required by law. 

Thank you for your immediate attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Negligence to provide permissible reporting on my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-16 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am a Private American, held in trust under the Full Faith and Credit of the United States, formally submit this Notice of Injury regarding unlawful credit reporting by XXXXXXXX XXXX XXXXXXXX, and XXXX XXXX XXXX. These entities continue to furnish inaccurate, misleading, and injurious information, despite : The recent data breach affecting credit bureaus, rendering their records compromised and unreliable. 
The failure to produce verified proof of claim or a lawful contract with my wet-ink signature. 
The unlawful administration of a trust name without consent, full disclosure, or consideration. 
Notice of Injury & Breach of Consumer Protection Rights 1. Violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) Under 15 U.S.C. 1681s-2 ( b ), furnishers of credit information are required to verify accuracy and remove unverifiable information. 
The data breach affecting the credit bureaus further invalidates assumed accuracy, as personal data has been compromised, accessed, and altered without consent. 
The reporting entities have failed to provide verified proof of debt, which constitutes willful misrepresentation and fraudulent reporting. 
2. Violation of 12 U.S.C. 411 Lawful Money & Lack of Consideration 12 U.S.C. 411 states that Federal Reserve Notes are not lawful money and that all obligations must be redeemable in lawful money upon demand. 
Since all transactions were conducted in Federal Reserve Notes ( XXXX XXXX ) which, per Supreme Court XXXX XXXX XXXX XXXX, are null and voidthere exists no lawful consideration for any alleged obligation. 
Any alleged debt based on fiat currency lacks full legal standing under public policy and equitable doctrines. 
3. Unlawful Assumption of Consent & Administration of a Trust Name No consentverbal, non-verbal, implied, expressed, written, or unwrittenhas been given for these entities or credit reporting agencies to furnish, maintain, or process this information.

If consent is presumed, let this serve as a formal, written revocation and opt-out notice.

These entities are attempting to administer a name held in trust without expressed fiduciary authority, which constitutes misrepresentation and injury.

4. Breach of Duty, Privacy Violations & Willful Misrepresentation The recent data breach has compromised the legitimacy of all reported accounts, making any adverse reporting a direct violation of the Privacy Act and public law.

The Fair and Accurate Credit Transactions Act ( FACTA ) also mandates creditors to protect consumer data, which has not been upheld. 
Since these accounts have already been charged off, any further reporting constitutes an act of unjust enrichment and fraudulent misrepresentation. 

Sincerely, XXXX XXXX Without Prejudice ( UCC 1-308 ) All Rights Reserved

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on 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 non-monetary relief
Consumer complaint received 2025-03-16 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: DISCOVER BANK
State: TX

Complaint narrative:
According to the IRS an unpaid charge off is considered as INCOME and according to the FCRA income CAN NOT be reported on a credit report. I received a 1099-C ( Cancellation of Debt ) for the following charged off/settled for less accounts listed below. 

XXXXXXXX XXXX XXXX- Account # XXXX date updated as XXXX XXXX XXXX XXXX XXXXAccount # XXXX date updated as XXXX XXXXXX/XX/year> XXXX # XXXX date updated as XXXX XXXXXX/XX/year> After checking my most current reports the updated information stated these accounts are still being reported. These accounts can not be reported as a CHARGE OFF/SETTLED FOR LESS on my credit report. Please CEASE the reporting and DELETE these accounts that are associated as charge offs/settled for less from all bureaus immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BARCLAYS BANK DELAWARE
State: MO

Complaint narrative:
XXXXConsumer Financial Protection Bureau* Subject : Complaint Against Barclays Bank Delaware for Unauthorized Account Reporting Dear CFPB, I am writing to file a formal complaint against Barclays Bank Delaware regarding an unauthorized account that has been inaccurately reported on my credit report. The account number in question is XXXX, and it is listed as over 120 days past due. I have no knowledge of this debt, nor did I authorize its inclusion on my credit report. 

This situation is a violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681s-2 ( a ), which mandates that furnishers of information to consumer reporting agencies ensure the accuracy and integrity of the information provided. The presence of this account on my credit report is a clear breach of these requirements.

I have requested Barclays Bank Delaware to take the following actions : 1. Conduct a thorough investigation into this matter and provide me with the results.

2. Remove this unauthorized account from my credit report.

3. Cease any further reporting of this account to credit reporting agencies.

4. Provide written confirmation that this account has been removed from my credit report.

Despite my efforts, the issue remains unresolved. Therefore, I am seeking the CFPB 's assistance to ensure that Barclays Bank Delaware complies with the FCRA and rectifies this matter promptly. 

I expect a resolution within 30 days, as required by law, and appreciate your prompt attention to this issue. 

Thank you for your assistance. 

Sincerely, 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 2025-03-17 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: MO

Complaint narrative:
Dear CFPB, I am writing to formally file a complaint against Portfolio Recovery Assoc, located at XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX, regarding an erroneous debt that has been reported on my credit report. The account in question is associated with account number XXXX and reflects a balance of {$61.00} in collection status. 

I assert that this debt is not mine and was reported without my knowledge or consent. Despite my attempts to resolve this issue directly with Portfolio Recovery XXXX, the account remains on my credit report, adversely affecting my credit score. 

I believe Portfolio Recovery XXXX has violated the Fair Credit Reporting Act ( FCRA ) in the following ways : 1. **Failure to Investigate Disputed Information ( FCRA Section 611, 15 U.S.C. 1681i ) : ** Portfolio Recovery XXXX has not conducted an adequate investigation into the disputed debt as required by law. 

2. **Failure to Ensure Accuracy of Information ( FCRA Section 623, 15 U.S.C. 1681s-2 ) : ** The company has failed to ensure the accuracy of the information they furnished to credit reporting agencies. 

I have requested validation of this debt from Portfolio Recovery XXXX, including any documentation proving the legitimacy of the account. To date, I have not received satisfactory evidence or a resolution. 

I am seeking the CFPB 's assistance in having this account removed from my credit report and ensuring that Portfolio Recovery XXXX complies with FCRA regulations. I expect a prompt investigation and resolution to prevent further damage to my credit standing. 

Thank you for your attention to this urgent matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: MS

Complaint narrative:
This account does not belong to XXXX XXXX. 
A company that I worked for had someone hack their accounts. 
This happened with everyone that worked there. 
LVNV FUNDING LLC

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 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: NC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

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 2025-03-17 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: CA

Complaint narrative:
As per guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from the advocacy group assisting me due to Human Trafficking debt bondage, which falls under trafficking according to XX/XX/XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5-1001.142 ( b ) ( 7 ). I kindly request that you block this information from my consumer report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XX/XX/XXXXXX/XX/XXXXof XXXX XXXX and would like for all the listed accounts to be blocked and deleted company information TransUnion. Please delete the following accounts within 4 days : ACCOUNT XXXX : XXXX account # 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