vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-17 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: NY

Complaint narrative:
[ XXXX, XXXX XXXX ] [ XXXX XXXX XXXX ] [ XXXX, XXXX XX/XX/year> ] [ JEFFERSON CAPITAL SYSTEMS LLC XXXX [ XXXX XXXX XXXX XXXX ] [ XXXX XXXX MN XXXX : Notice of Code Violation Unlawful Debt Collection Activity in New York State Dear [ JEFFERSON CAPITAL SYSTEMS LLC ], I am writing to formally notify you of a violation of New York State debt collection laws and the Fair Debt Collection Practices Act ( FDCPA ), regarding your reporting or collection of a debt that is not permissible under New York State law. 

The debt in question, [ XXXX ], appears on my credit report. As per Section 380-j ( e ) of the New York General Business Law, certain debts are not collectible under New York State law , including those that have exceeded the statute of limitations or involve entities that are not licensed to collect debts within New York State .

Additionally, under the FDCPA ( 15 U.S. Code 1692e ), debt collectors and credit reporting agencies are prohibited from using false, deceptive, or misleading practices in the collection or reporting of debts.

Specifically, I believe this violation includes the following : 1. [ Attempting to collect a debt after the statute of limitations expired. ] 2. [ Reporting a debt from an unlicensed debt collector. ] I demand that you : 1.Immediately cease reporting this debt on my credit report.

2.Provide written confirmation that this debt has been removed from my credit file.

3.Refrain from any further collection or reporting activities related to this debt. 

Failure to comply with this notice may result in further action, including filing a formal complaint with the New York State Department of Financial Services, the Consumer Financial Protection Bureau ( CFPB ), and pursuing legal remedies.

Please provide a written response within 30 days confirming your compliance. 

Thank you for your prompt attention to this matter. 

Sincerely, [ XXXX XXXX XXXX ] [ XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-17 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: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ) XXXX [ Date ] Consumer Financial Protection Bureau XXXX XXXX XXXX Iowa XXXX, IA XXXX Subject : Dispute of Charged-Off Account on Credit Report Dear CFPB, I am writing to formally dispute the accuracy of an account appearing on my TransUnion credit report under the name XXXX XXXX  XXXX. The details of the account are as follows : Creditor : XXXX XXXX XXXXXXXX Account Number : XXXX Date Opened : XX/XX/XXXX Status : Charged off as bad debt Date Closed : XX/XX/XXXX Balance Updated : XX/XX/XXXX I believe this information is inaccurate, incomplete, or unverifiable. I request an immediate investigation into this matter and ask that the account be removed or corrected in accordance with the Fair Credit Reporting Act ( FCRA ). 

Please provide all supporting documentation verifying the accuracy and legitimacy of this account, including the original creditor agreement, payment history, and any correspondence regarding the charge-off. If the information can not be verified, I request that it be deleted from my credit file. 

I appreciate your prompt attention to this matter. Please send all correspondence regarding this dispute to my mailing address or email at XXXX. 

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 2025-02-17 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: TX

Complaint narrative:
I mailed a certified letter to transunion requesting that they remove a debt from my credit report on XX/XX/year> due to the debt being reported in the amount of {$660.00} for grain technology being a result of identity theft. I also submitted an identity theft report to submit my claim for the charges being reported on my file. Transunion failed to complete an in depth investigation, responding less than a week later stating that they were not going to remove the debt and it wasnt a result of identity theft. This dispute is submitted under the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX, which requires credit reporting agencies to conduct a reasonable reinvestigation of disputed items.I strongly believe that I did not receive a reasonable investigation As per XXXX XXXX  XXXX ( a ) ( XXXX ) ( A ), Transunion is required to conduct a thorough and reasonable reinvestigation of disputed items within XXXX XXXX. Furthermore, under XXXX XXXX. 
XXXX ( a ) ( XXXX ), any information found to be inaccurate, incomplete, or unverifiable must be promptly deleted or corrected. Failure to adhere to these requirements constitutes a violation of federal law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am writing about Experian. I tried creating an account with them through the phone and the app however they are telling me that they are running into an issue when I provided everything they are looking for. I accidentally gave my social security information  to a scammer today because he had all my information for XXXX already and I noticed that he was a scammer when he started repeating himself and started talking to surrounding peers.

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 2025-02-17 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
This is the second time Im bringing this up, and I should not have to keep repeating myself. Experian has failed to remove the unauthorized account ( XXXX XXXXXXXX - XXXX ) from my credit report, despite my previous dispute. This is a blatant violation of the Fair Credit Reporting Act ( FCRA ), and I demand immediate action. I never opened this account, never authorized it, and never consented to it being reported. Yet, Experian continues to wrongfully include it in my file. This is not just an oversightit is gross negligence, and at this point, it appears to be willful noncompliance with federal law. Experian has no permissible purpose under XXXX XXXX XXXX to keep reporting this account. Under XXXX XXXX XXXX ( a ), Experian is legally required to conduct a reasonable reinvestigation, yet this account remains. XXXX XXXX XXXX ( b ) requires Experian to ensure maximum possible accuracy, but this continued misreporting proves a complete failure in that obligation. Additionally, XXXX XXXX XXXX ( a ) holds furnishers responsible for the accuracy of the information they report, and right now, that responsibility is being completely ignored. I am demanding the immediate deletion of this unauthorized account. I expect written confirmation that this account has been removed and an updated credit report reflecting the correction within XXXX XXXX. Since I have already disputed this and Experian has failed to act, I am also demanding your method of verification under XXXX XXXX XXXX ( a ) ( XXXX ). Provide the exact details of how this account was verified, where the information came from, and who confirmed it. If Experian can not provide proper verification, the law requires you to delete this account immediately.

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 2025-02-17 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: FL

Complaint narrative:
I am writing to formally report that I am a victim of identity theft under the Fair Credit Reporting Act ( FCRA ), Section 605B. This section mandates the removal of all fraudulent information from my credit report. 
Unauthorized accounts have been opened in my name without my consent, impacting my creditworthiness. I have filed a police report and notified the Federal Trade Commission ( FTC ) regarding this matter. 
I respectfully request that all fraudulent accounts and inquiries be investigated and removed promptly. Thank you for your attention to this urgent issue. I look forward to your swift response. A LIST OF THE FRAUDULENT ACCOUNTS AND INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to formally report that I am a victim of identity theft under the Fair Credit Reporting Act ( FCRA ), Section 605B. This section mandates the removal of all fraudulent information from my credit report. 
Unauthorized accounts have been opened in my name without my consent, impacting my creditworthiness. I have filed a police report and notified the Federal Trade Commission ( FTC ) regarding this matter. 
I respectfully request that all fraudulent accounts and inquiries be investigated and removed promptly. Thank you for your attention to this urgent issue. I look forward to your swift response. A LIST OF THE FRAUDULENT ACCOUNTS AND INQUIRIES : 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 2025-02-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: MOHELA
State: NJ

Complaint narrative:
Unauthorized access and breach of educational records, financial aid data, and IRS tax information by the U.S. Department of Education, and the Department of Governmental Efficiency on or around XX/XX/year>. I became aware XX/XX/year>. This breach constitutes a direct violation of the Family Educational Rights and Privacy Act and Title IV regulations, as well as the egregious violation of my personal privacy and financial security. 

My sensitive and legally protected records were accessed and potentially shared without my consent. This includes : XXXX. Academic records and personally identifiable information. 
XXXX. XXXX XXXX for XXXX XXXX XXXX data, including aid history and load information. 
XXXX. My IRS tax transcripts, which were obtained and used without proper authorization.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-17 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: TX

Complaint narrative:
The company put a collection account on my credit without providing me any information that i requested i asked for a contract between me and them and they didn't provide it

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-17 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: GA

Complaint narrative:
Equifax refuses to remove the XXXX XXXX XXXX that's on my account. Should you need a reminder please refer to XXXX XXXX XXXX ( A ) ( XXXX ), XXXX XXXX XXXX ( A ) and I DID NOT give you neither direct nor indirect permission to furnish my information. The XXXX was dismissed and means that in court terminology it never existed. I never went through with the XXXX XXXX XXXX. I have put in several disputes about them publishing inaccurate information, but they keep stating that XXXX XXXX is verifying the information. My account is blocked on XXXX XXXX, so they don't have the ability to verify anything attached to my name. The XXXX XXXX stated to me that they don't share that information and that it was dismissed so that should not be reporting on my consumer report. How can XXXX XXXX verify anything when my account has been opted out and blocked, so I am stating that Equifax are not verifying and just keeping the information the same without a human person really doing the research to verify the information. I will attach the letter from the XXXX  XXXX and also my letter from XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: GLOBAL CREDIT UNION
State: AK

Complaint narrative:
We got a mortgage XX/XX/XXXX. We were told we would be able to drop mortgage insurance when we reached 20 % equity. According to the mortgage company 's website, we would reach 20 % in XX/XX/XXXX. In XX/XX/XXXX, the websites information changed and now says we need to reach 25 % equity in order to drop PMI. We reached 20 % XX/XX/XXXX and I requested to drop PMI. They sent me a letter saying I needed to get an appraisal or XXXX, which I would have to pay for. I called their helpline and was told that the loan had to be older than 5 years AND 20 % equity in order to drop PMI. Neither the website nor the letter they sent me say anything about a 5 year minimum length of mortgage to drop PMI. Also the letter implies the XXXX may not be 'fully accurate ' so I suspect even if I paid for that, they wouldn't necessarily accept it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-17 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: IL

Complaint narrative:
In XXXX of XXXX, we took steps to avoid a {$1000.00} student loan charge that we were notified would be auto-paid on XX/XX/XXXX. Instead, we instructed the agent our account should instead be placed in administrative deferment pending word on the SAVE plan. The agent assured us we were successful in averting this auto-payment, and that we would not be charged because we had correctly followed all of the steps to do so. The money was still deducted, so we called back. We spoke with another agent and they agreed we were entitled to a refund. Initially we were told within XXXX XXXX. After this came and went, we were told the refund timeline had been extended to XXXX XXXX across Mohela, putting our deadline at the end of XXXX. This date has also come and gone. We are now seeking assistance from the CFPB to help apply pressure to receive the refund for funds that should have never been taken.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-17 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: CBC Companies, Inc.
State: SC

Complaint narrative:
I have previously disputed with XXXX, XXXX and XXXX regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-17 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: T.S. Holdings
State: AK

Complaint narrative:
I asked the company for the original documents to verify the debt that they did not even let me know about, before selling it to a collector. XXXX XXXX violated the XXXX tenant laws as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: DE

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution proce was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-17 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: Nelnet, Inc.
State: TX

Complaint narrative:
My credit report has been flagged for a suspicious student loan that is not mine! This student loan is in the amount of over XXXX. I do not have a student loan with the " Department of Education '' nor do I have a student loan with " Nelnet ''. Both of these student loans keep showing up on my credit report. I have been disputing these loans for years. I have made a fraud alert on all three credit bureaus as well as alerting the credit bureaus of this fraudulent error. These student loans are not in my name. XXXX XXXX XXXX who is the sole owner of the social security number XXXX My DOB is XXXX. I have no student loans with any school or college. And this is not my debt!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-17 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: SECURITY FINANCE CORP
State: MO

Complaint narrative:
I sent a letter to creditor XX/XX/year> stating I'm going through financial hardship and I see where this item was charge-off from my credit report but I was never sent me a XXXX. Could please send me one. I also explain The way this account is reporting the account balance, acct number, the date of last payment doesn't look familiar, could you please delete this from my account immediately. This is a violation of the fair credit reporting act willful Non-compliance because they're neglecting the fact that you're requesting something that under the law XXXX ( a ) ( XXXX ) ( b ) ( iii ) I can request.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: TRUIST FINANCIAL CORPORATION
State: MD

Complaint narrative:
I am filing a formal complaint against Truist Bank regarding excessive and unlawful late fees that have been repeatedly charged to my loan account. Despite Maryland state law capping late fees at XXXX XXXX of the overdue payment, Truist has consistently imposed a {$120.00} late fee an amount that significantly exceeds the legal limit. 

I have raised this issue with Truist and requested an explanation and correction, but they have failed to provide a satisfactory response or refund the improperly charged fees. This pattern of excessive fees has persisted throughout the life of my loan, and I believe it constitutes an unfair and deceptive practice. 



I am seeking CFPB assistance in investigating Truist fee structure and enforcing compliance with state law. Specifically, I request : XXXX. A full refund of all late fees that exceed Maryland legal limit. 

XXXX. A written explanation from Truist regarding their justification for these charges. 

XXXX. XXXX that Truist will cease imposing unlawful fees moving forward. 



I appreciate your attention to this matter and look forward to your response. Please let me know if you require any additional information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-02-17 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: CA

Complaint narrative:
I am listing XXXX inquiries fraudulent form my Transunion Credit Report. XXXX XXXX XXXX and XXXX XXXX XXXX. Listed Inquiries do not belong to me and must be removed from my Transunion Credit Report. I had a call with the company and the credit reporting agency advised me to file an identity theft report for deletion. I am requesting Transunion to mark these inquiries as fraudulent and remove from my Transunion Credit Report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation