vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-16 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: MD

Complaint narrative:
I am writing to formally request the immediate removal of the collection account associated with [ Account Number ] from my credit report. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692, I am asserting my rights as a consumer regarding the accuracy, fairness, and privacy of information contained in my credit file. 

According to the FCRA, any information reported to the credit bureaus must be 100 % accurate and verifiable. If you can not provide concrete evidence that this debt is valid, was properly assigned, and that you have followed all legal guidelines in reporting and collecting this debt, you must cease reporting it immediately. 

Additionally, under the Consumer Financial Protection Bureau ( CFPB ) guidelines, collection agencies are required to ensure that any debts they report comply with all relevant federal regulations. If the account in question does not meet these standards or was reported in error, its continued reporting violates my rights and may be subject to legal action. 

I demand that you provide the following within 30 days : Valid proof that this debt is legitimate and enforceable. 

Documentation proving your legal authority to collect and report this debt. 

A record of all communications and transactions related to this account. 

If you can not furnish the requested documentation, I expect this account to be deleted from my credit report with all three major credit bureaus ( XXXX, XXXX, and XXXX ) immediately. Failure to comply with this request may result in a formal complaint filed with the CFPB, Federal Trade Commission ( FTC ), and my state Attorney Generals office. I am also prepared to seek legal remedies under the FCRA and FDCPA. 

Please respond to this letter in writing, confirming your actions regarding my request. I expect your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-15 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: Nelnet, Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XX/XX/year> Consumers Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : URGENT XXXX DISPUTE Unauthorized Student Loan Reporting & Deletion Request To who it may concern : I am disputing the inaccurate reporting of a student loan account under XXXX compliance requirements and the Fair Credit Reporting Act ( FCRA ). Pursuant to 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), data furnishers must ensure accurate reporting, and any unverifiable, outdated, or unauthorized information must be removed. 

Based on recent investigations, it has come to my attention that my student loan data may have been accessed and/or altered without my consent, violating XXXX Compliance Condition Code XXXX XXXX XXXX ( Consumer Disputes Account Information ). If you can not provide a verifiable record proving the legitimacy of this reporting, this account must be deleted immediately per XXXX XXXX  compliance guidelines. 

I am demanding the following corrective actions : 1. XXXX Audit & Verification Conduct a compliance review to determine whether this student loan record meets XXXX formatting and reporting standards. Provide the XXXX verification code used to verify this data. 

2. Data Accuracy Certification Submit a formal written response, including proof of contract, promissory note, and complete payment history. If you can not provide this, XXXX reporting guidelines require deletion under Code " XXXX '' ( Delete Account ). 

3. Account Deletion for Non-Compliance If the loan was improperly reported, altered, or deleted from official records, the only compliant action under XXXX guidelines is permanent deletion. Update the status to Code " XXXX '' ( Delete Entire File ) within the required reporting period. 

4. Written Compliance Assurance Confirm in writing that my student loan records will not be inaccurately reported again, in compliance with FCRA and XXXX standards. 

Pursuant to FCRA 611 ( a ) ( 1 ) ( A ), you are required to respond within 30 days of receipt of this notice. Failure to provide documented verification or an appropriate correction will result in escalation to the Consumer Financial Protection Bureau ( CFPB ), the U.S. Department of Education, and legal authorities. 

I expect a written response at your earliest convenience confirming compliance. Please contact me at [ your phone number ] or [ your email address ] for further clarification. 

Sincerely, XXXXXXXX XXXX XXXXXXXX Enclosures : Copy of credit report with disputed account highlighted Supporting documentation

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-16 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: GA

Complaint narrative:
Equifax is reporting inaccurate information on my credit report for a new collection under the company name XXXX for XXXX XXXX insurance. I've contacted them on more than one occasion in which each time they promised to resolve the issue. I've also previously submitted a complaint with you, CFPB in regard to the matter that is still open. ( See complaint number XXXX submitted XX/XX/year> ). In that complaint I mentioned that Equifax had told me over the phone that they were disputing the collection on XX/XX/year>. I also mentioned that I've now had a credit monitoring subscription with them for a long time, but they never notified me of the collection and that I learned of it through XXXX. When I spoke to Equifax on XX/XX/XXXX and they told me that they were disputing the item, I never did receive any sort of notification from then via email or mail that the dispute was in progress although they have my correct information on file and although they told me I would. This was concerning to me, but I trusted that they would still do the right thing. For some reason their system has the ability to email me each month in regard to my subscription and share with me that " there have been no new changes to my file '' and say specifically " No News Is Good News '', but nothing when it comes to a serious issue such as a collection being added or a confirmation of dispute requests/statuses. I contacted Equifax again today XX/XX/year> to check the status of the dispute and was told that the item was not under dispute, did not get disputed and that they would open the dispute TODAY, although I was told before that it was currently under dispute. I was given a confirmation number of XXXX for the dispute today and would like them to keep their word and have the item removed from my credit profile. I'm still concerned because although they gave me a confirmation number over the phone, I still have yet to receive an email confirmation notification from them that it is under investigation.

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: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am a victim please block these accounts from my 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 non-monetary relief
Consumer complaint received 2025-03-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Applied Data Finance, LLC
State: FL

Complaint narrative:
This is a formal written notice requesting validation of debt. See attached letter for requested documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: MOHELA
State: CO

Complaint narrative:
On or about XX/XX/XXXX, my personal and financial information was compromised without my authorization or consent. The Department of Government Efficiency, also known as DOGE, violated Higher Education laws, the Privacy Act of 1974, and the Family Educational Rights and Privacy Act ( FERPA ). DOGE did not have my consent to access my data, nor did they have government clearance, and they still have accessed my data. They're not employees of, nor the authorized party to, the Department of Education or any of the loan servicers. I have been informed that one or more of the employees are known hackers and have leaked classified information as well as proprietary company information. The Department of Education and any federal loan servicers are required to protect my data and not allow unauthorized access to anyone whatsoever without explicit consent.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
Someone else who had access to my phone used my credit card without my permission to purchase something and I called the bank to open a dispute but they said the purchase was made from my phone. I know that was made from my phone but I never authorized that.

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 2025-03-15 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: NY

Complaint narrative:
I put a dispute in with Equifax on an account they have on my credit report with an incorrect balance, I received a statement from XXXX XXXX XXXX with a different balance than they are reporting on my credit report I want this account removed for inaccuracy, I put this dispute in XXXX and they just came back on XX/XX/XXXX with it being verified and accurate. I also sent them proof that the balance was inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-15 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: GA

Complaint narrative:
I DO NOT RECOGNIZE THESE ADDRESSES! PLEASE REMOVE IT FROM MY CREDIT PROFILE IMMEDIATELY! THANK YOU

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: MS

Complaint narrative:
VALIDATION AND CEASE AND DESIST Collection agency name : MIDLAND CREDIT MANAGEMENT INC Address : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Account number : XXXX Your NAME : XXXX XXXX Your address : XXXX XXXX XXXX XXXX, XXXX XXXX Dear ( Debt Collector ) I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor. 
2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 
3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 
4. Proof that the original creditor securitized the debt. 
5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 

Please cease and desist from collecting on this debt until you have provided validation of the debt. 

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WV

Complaint narrative:
On XX/XX/XXXX. I received my payroll check and my provisional credit into my ( now restricted account ). I call and was told ( before work by a rep ) that I could go to an atm and call them to get my funds from the account. I went to work and called once I got off at XXXXET. I was then told I can not use the card as it has been closed and need to receive a check in the mail. I was transferred to another department who then told me that I could not get my credit but I can get my paycheck but I must go into a branch. I live in WV and there are no branches within hours of me. I questioned on why I could not get the check when I received an email that I can received a check while my claims are pending for my funds. They said it was under investigation and I need to go to the branch. I get an address for the branch on XXXX XXXX, XXXXXXXX XXXX which is 3.5 hours away from me and was told I am able to just get my payrollWhen getting there, they called to have the restriction remove only to be told Im sorry, you can only get XXXX from your payroll. My check was XXXX. I argued that I drove so far and she told me she noted my account. The branch worker had to call twice because I was hung up on. I left there with my XXXX and still have my tax refund coming in. I was told I would have to drive back 3.5 hours to get the funds if I need them. Why would I not need them? I wasted my time and money, all while being lied to from the start. It went from : 1.You must submit more documents about you claim by XX/XX/XXXX. 
2.We received the documents and a credit will be issued on XX/XX/XXXX 3.Weare closing your account email on XX/XX/XXXX 4. Your accounts are restricted but we can remove it to get your credit and paycheck from calling in XXXX XXXX 5. You can use your debit card but need to call us when you are at an atm. XX/XX/XXXX 6. We can not use the card as it has been closed but we can mail a check ( also listed in email that was receiving in account closing on XX/XX/XXXX ) on XX/XX/XXXX 7. We can not mail the check and will have to cost a branch, giving a branch 3.5 away XX/XX/XXXX 8 Visited a branch to be told I only get XXXX from my XXXX balance due to a pending claim ( XXXX is my provisional credit ) 9. Being told I was giving the credit to use while the claim is on going but can not due to my account being closed but my account can not be closed because of the pending claim. 

Again, I left a branch that was 3.5 hours away with XXXX oh my owe money from an account they can not tell me why is being closed!!!!! I also find it very funny that my claim was submitted on XX/XX/XXXX and when I am told I will receive the credit, I am sent an accounts closure email.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-16 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: Possible Financial Inc
State: AL

Complaint narrative:
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT THIS CREDITOR HAS VIOLATED MY RIGHT. UNDER 15USC 1681 SECTION 602 STATES I HAVE A RIGHT TO PRIVACY, 15 USC 1681 602A SECTION 2 STATES CONSUMER REPORTING AGENCYCAN NOT FURNISH MY ACCOUNT WITHOUT MY WRITTEN CONSENT, UNDER 15 USC 1666B A CREDTOR CAN NOT TREAT A PAYNENT ON A CREDIT CARD UNDER OPEN CONSUMER PLAN AS A LATE FEE..

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened without my consent or knowledge
Company: U.S. BANCORP
State: KY

Complaint narrative:
I received a letter in the mail from US Bank thanking me for opening and checking and savings account. I do not bank with this bank. I have a freeze on my account and I dont know how a bank can have this happen. This is unacceptable

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 2025-03-15 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: CMG Financial Services, Inc.
State: CA

Complaint narrative:
I have not been able to access any information online for a HELOC loan that I took out on XX/XX/year>. I only have the documents that were signed with the notary. My understanding is that the Mortgage company is required to provide us with online access to our account information within 3 days. This is per the Truth in Lending Act. It has been 28 days since the loan closed. 
We have contacted CMG financial the mortgage company and they tell us that nothing will be available until the new company that has or will buy the loan sets it up. It seems that this does not meet the requirements per the TILA. As we have a contract with CMG it would seem that they should provide us with that information. 

We do not as of yet know the amount of our first payment. They did tell me it was due on XX/XX/XXXX. They have again said this will not be provided until the new lender takes over and they will provide it to us. 

I am making this complaint as I feel that CMG should be able to provide us with all the details of our loan online by now, with payment details. We have a variable rate loan, but the details and I would think the first payment amount would be available.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 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: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
I am submitting this formal dispute regarding the verification process used to establish that an accounts were legitimately opened under my name. I believe the company has failed to comply with proper identity verification standards, resulting in fraudulent activity linked to my personal information. 

Details of the Dispute : I discovered an account in my name that I did not authorize. Upon requesting verification, the company failed to provide proper documentation showing how they confirmed my identity. ] Reasons for Dispute : 1.Failure to Properly Verify Identity [ Company Name ] did not provide sufficient proof that they followed legally required verification procedures, such as Know Your Customer ( KYC ) compliance. 
2.Lack of Documentation When I requested evidence of how the company verified my identity, they failed to provide clear documentation proving the account legitimately belongs to me. 
3.Potential Violation of Consumer Protection Laws Under federal regulations, including the Fair Credit Reporting Act ( FCRA ) and Fair and Accurate Credit Transactions Act ( FACTA ), companies must verify the identity of individuals before opening accounts in their names. 
4.Risk of Identity Theft This unauthorized account suggests potential identity fraud, and I demand an immediate investigation to rectify this issue.

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 2025-03-15 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I am submitting this formal dispute regarding the verification process used to establish that an accounts were legitimately opened under my name. I believe the company has failed to comply with proper identity verification standards, resulting in fraudulent activity linked to my personal information. 

Details of the Dispute : I discovered an account in my name that I did not authorize. Upon requesting verification, the company failed to provide proper documentation showing how they confirmed my identity. ] Reasons for Dispute : 1.Failure to Properly Verify Identity [ Company Name ] did not provide sufficient proof that they followed legally required verification procedures, such as Know Your Customer ( KYC ) compliance. 
2.Lack of Documentation When I requested evidence of how the company verified my identity, they failed to provide clear documentation proving the account legitimately belongs to me. 
3.Potential Violation of Consumer Protection Laws Under federal regulations, including the Fair Credit Reporting Act ( FCRA ) and Fair and Accurate Credit Transactions Act ( FACTA ), companies must verify the identity of individuals before opening accounts in their names. 
4.Risk of Identity Theft This unauthorized account suggests potential identity fraud, and I demand an immediate investigation to rectify this issue.

Company response to consumer: Closed with explanation