vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-23 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rent Recovery Solutions
State: CA

Complaint narrative:
I am writing in response to your continued attempts to collect on an alleged debt that you claim was opened in 2023. I have no knowledge of this account, no agreement with your company, and I dispute the validity of this debt entirely. I am formally requesting validation and verification of this debt under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

Please provide the following documentation to validate this claim : 1. The full name and address of the original creditor ; 2. A detailed account statement showing how the balance was calculated, including the alleged date the account was opened, any charges, payments, and interest applied ; 3. A copy of any original agreement or contract bearing my signature, which allegedly binds me to this debt ; 4. Proof of your authority to collect on this debt, including documentation of any transfer, sale, or assignment from the original creditor ; 5. The date of default or delinquency and any supporting documents relating to the accounts activity or ownership. 

Until this documentation is provided, I request that you immediately cease all collection activity, including any reporting to credit bureaus. Continuing to pursue this alleged debt without providing proper validation is a violation of federal law and XXXX result in legal action. 

Additionally, I am concerned about your use of multiple third-party collection companies in an attempt to obscure ownership of this account. This behavior raises serious red flags regarding the legitimacy of the debt and could be seen as harassment under the FDCPA. 

Please be advised that I am keeping detailed records of all communications and reserve the right to file complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my State Attorney General if necessary. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 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: NJ

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MOHELA
State: CA

Complaint narrative:
Mohela XXXX XXXX has been avoiding fixing my credit score, they put my account as past due and dropped my credit score by XXXX points. I did not miss any payments I have been paying my student loan without issue. I have a perfect payment record. I've tried sending them certified mail to show them I have been paying them. I also spoke to so someone on the phone end of XX/XX/year> and they had found an internal error on their end with the last XXXX digits of the student loan account number. However it has been over a month and nothing has changed still.

Company response to consumer: Untimely response
Consumer complaint received 2025-04-23 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: CCS Financial Services, Inc.
State: CA

Complaint narrative:
Received flyer from XXXX and had them install cable on XX/XX/XXXX. When I called to get confirm the services provided and requested certain channels. The confirmed. This wasn't the case. I tried to contact them on XX/XX/XXXX and XX/XX/XXXX, but they weren't available. After holidays I spoke to XXXX and they asked me to return the equipment, which I did. I called to confirm that the equipment was received that's when I was informed that there was a Restock fee, early termination for XXXX service. I asked why I wasn't advised when I called to cancel or when I placed the initial installation appointment? They couldn't explain whey. I finally was able to reach XXXXXXXX XXXX collection dept. and spoke to XXXX on XX/XX/XXXX and he said he would adjust amount due. ( Request # XXXX ). That didn't happen because I received the letter from Credit Collection Services on XX/XX/XXXX. I spoke to the collection service and they explained that XXXX had to adjust the amount owed. I did make a payment of {$30.00}, since I didn't have the {$250.00}. After researching my options, I contacted XXXX on XX/XX/XXXX and spoke to XXXX in their collections dept. She said that all information was sent to their corporate but haven't heard back! I contacted Credit Collection Serv, and they claim it's up to XXXX to contact them to withdraw their claim for payment that I owe. I wasn't informed of any charges that would be due for any restock, early termination. XXXX hasn't provided me with a breakdown other that sending me a bill for the total amount due for 6 days of usage! Since I wasn't informed of charges due, I would have continued with the service until I could cancel without any penalties charged. I would appreciate your help in correcting this before they file with Credit Bureaus, since I'm hoping to take out a HELOC loan. Thank you for you help. XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Marlette Funding, LLC
State: SC

Complaint narrative:
Formal Dispute of Collection and Notice of Violations Date : XX/XX/XXXX To : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX Phone : ( XXXX ) XXXX From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX Subject : Formal Dispute of Alleged Collection Account FCRA and FDCPA Violations Dear XXXXXXXX XXXX, This letter serves as a formal dispute and notice of violations concerning the collection account listed on my XXXX credit report under the original creditor XXXX XXXXXXXX XXXX XXXX , with a reported balance of {$13000.00}. This account was reported as opened on XX/XX/XXXX. 

According to the Arbitration Agreement provided by XXXX XXXX, either partymyself or any assigneeis required to resolve any disputes through binding arbitration, unless explicitly opted out of within 30 days of acceptance. I did not opt out, and therefore, this clause is binding. 

The transfer of this account to a third-party debt collector such as XXXX XXXX without first initiating arbitration is a direct breach of the original agreement. This is a violation of the Fair Credit Reporting Act ( FCRA ) under 15 U.S. Code 1681s-2, as the account was furnished to credit reporting agencies without proper legal standing and in contradiction to the arbitration clause. It is also a violation of the Fair Debt Collection Practices Act ( FDCPA ) for attempting to collect on a debt that was required to go through arbitration. 

I am formally requesting the immediate deletion of this collection account from all credit bureaus and a cessation of all collection activities. 

Failure to comply with this request will result in a formal complaint being filed with the Consumer Financial Protection Bureau ( CFPB ), the South Carolina Department of Consumer Affairs, and potential legal action for statutory and contractual damages. I am also seeking liquidated damages in the amount of {$15000.00} due to your willful disregard of the binding arbitration clause and the resulting financial and emotional harm, reputational damage, and costs incurred by me as a consumer. 

You are further advised to cease and desist all communications regarding this matter unless it is to confirm that the account has been deleted. 

This letter is written without prejudice and with full reservation of rights. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 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: SC

Complaint narrative:
I have made numerous attempts to address this issue by submitting disputes and complaints. I have not received the necessary proof to validate these entries. According to FCRA Section 609, if verification is not provided, the credit bureaus are obligated to remove these disputed items from my credit report. I kindly request that the credit bureaus promptly investigate and rectify this matter in accordance with the FCRA guidelines to ensure the accuracy of my credit report. Thank you for your attentiontothisissue. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity, and my Proof of Address,.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-23 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: KY

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-23 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: KY

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: National Consumer Telecom & Utilities Exchange, Inc.
State: FL

Complaint narrative:
I am submitting this identity theft complaint regarding inaccurate and unauthorized information on my consumer report with [ insert company, e.g., XXXX, XXXX etc. ]. I submitted a formal dispute with supporting documentation including my FTC Identity Theft Report, a notarized sworn affidavit, declaration of harm, and highlighted report pages. 

I am invoking my rights under FCRA 605B and requesting the immediate blocking and permanent removal of all fraudulent and inaccurate entries. These items have caused financial harm including denial of banking and credit services.

The company has failed to comply with federal law by not removing these items or properly responding to my dispute. This is my final effort before pursuing legal remedies.

I am attaching all relevant evidence. This complaint is specific to this company and filed in good faith.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: OK

Complaint narrative:
Equifax and Experian is reporting inaccurately that I was 30 days past due in XX/XX/XXXX ( XXXX ) XX/XX/XXXX ( XXXX ). 
I have included a copy of my transaction history with XXXX, the mortgage company, along with a copy of my drivers license for ID, and a copy of my payroll statement for ID ( with SS # ) and current address.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-23 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: CA

Complaint narrative:
I was looking at my credit report and i saw 1 fraudulent inquiry. 

XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
This morning ( XX/XX/2025 ), I received an email from my Paypal business account stating that they closed it down without giving me an actual reason. I checked the website without clicking any links to make sure it wasnt a scam, and it indeed was shut down. This is the account i use to collect payments on my XXXX account, and i havent had any chargebacks or any other issues that could have caused my account to shut down. Furthermore, they gave a list of possible reasons that were difficult to narrow down, and none of them applied to me. 
I filed a dispute, but will not know the outcome for at approximately 10 days. I believe this was all an XXXX  generated error based on similar cases that I have researched.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 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: TX

Complaint narrative:
my personal info was leaked in both data breaches and therefore resulted in multiple fraudulent accts. im submitting report to have those fraudulent accounts removed according to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: NRA Group, LLC
State: MD

Complaint narrative:
I've contacted the debt collector requesting debt validation per the FCRA as I have never done business with National Recovery Agency with no cooperation. I have also asked them to cease and desist on all communication to include accessing my credit report per the consumer laws.

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 2025-04-23 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: GA

Complaint narrative:
My account with XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports

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 2025-04-23 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: PA

Complaint narrative:
XXXXXX/XX/XXXXXXXX Ally Financial XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Ally Financial XX/XX/XXXX XXXX XX/XX/XXXXXX/XX/XXXXXX/XX/XXXX These companies did not have my written signature nor consent to run credit. Some of which I have never even heard of. This is illegal and has ruined my ability to obtain good credit standing leading to mental health issues. I want these removed ASAP. 

Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 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: SANTANDER HOLDINGS USA, INC.
State: PA

Complaint narrative:
XXXXXXXX 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  Santander Bank XX/XX/XXXX These companies did not have my written signature nor consent to run credit. Some of which I have never even heard of. This is illegal and has ruined my ability to obtain good credit standing leading to XXXX XXXX XXXX I want these removed ASAP. 

Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company 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 2025-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifaxs repeated failure to properly address disputes has become a pattern, and it's one that has already drawn federal scrutiny and legal consequences. I refuse to let my credit file suffer due to continued noncompliance and careless reporting practices.

According to 15 U.S.C. 1681i, Equifax is legally required to reinvestigate all disputed items within 30 days and delete anything that can not be 100 % verified using original, reliable documentation. These reporting errors are harming my financial future, and I will escalate this matter if corrective action is not taken immediately.

The following dispute items must be reexamined and removed if proper documentation can not be produced : Charge Off ( Equifax ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX - {$770.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$3900.00} XXXX XXXX XXXX XXXX XXXX XXXX {$23000.00}

Company response to consumer: Closed with non-monetary relief