vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-20 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: NJ

Complaint narrative:
Subject : Formal Dispute and Demand for Validation of Debt 15 USC 1692g and 1692e * * XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XX/XX/year> Midland Credit Management XXXX, MI XXXX * * Subject : Formal Dispute and Demand for Validation of Debt Under 15 USC 1692g and 1692e * * To Whom It May Concern, This letter serves as a formal dispute of the alleged debt your agency claims I owe and a demand for validation of said debt pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g and 1692e. 

I am requesting that you provide me with the following documents to substantiate your claim : 1. A copy of the * * purchase agreement * * or * * forward flow agreement * * that establishes your legal right to collect this alleged debt.

2. A complete and itemized accounting of the alleged debt, including the original creditors name, the amount owed, and any fees or interest applied.

3. Proof that the alleged debt was not previously disputed, settled, or discharged.

Under 15 U.S.C. 1692g, I have the right to request validation of the debt, and you are required by law to cease all collection activities until you provide such validation. Failure to provide the requested documentation will be considered a violation of the FDCPA, and I will not hesitate to report your agency to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney General. 

Additionally, 15 U.S.C. 1692e prohibits false, deceptive, or misleading representations in connection with the collection of any debt. If you are unable to provide the requested documentation, it will be clear that your agency has no legal standing to collect this alleged debt, and your continued attempts to do so will constitute a violation of federal law. 

I expect your immediate compliance with this request. You have * * 30 days * * from the receipt of this letter to provide the requested documentation. Failure to do so will result in my filing formal complaints with the appropriate regulatory agencies and pursuing any and all legal remedies available to me. 

This letter is sent without prejudice to any of my rights, and nothing herein should be construed as an acknowledgment of the alleged debt. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Changes in loan terms during the application process
Company: LoanCare, LLC
State: CA

Complaint narrative:
During XXXX I had to apply for XXXX relief due to financially assisting other Family members unable to work due to restrictions during XXXX. I submitted a request for XXXX during the time frame of XXXX. Loancare Mortgage sent a loan packet approximately in XXXX of XXXX  for a loan modification to be sent back to them by XXXX  XXXX with the expectation that I would resume Mortgage payments in either XXXX or XXXX of XXXX.. I have made all mortgage payments since the loan modification without fail. Our Mortgage payment is approximately {$3200.00}. This was our approximate payment BEFORE AND AFTER Covid forebearance. Unfortunately my Wife and I recently discovered in XXXX of this year that Loancare Mortgage Company obtained a XXXX against our Home for over {$130000.00} for Forebearance relief violating The Cares Act. Loancare Mortgage Company forbids my Wife and I to obtain any type of XXXX loan due to the lien. We have equity in our home but are unable to touch it due to Loancare Mortgage refusing to negotiate or even send the official documents detailing how they obtained a XXXX for {$130000.00} for only XXXX  months of forebearance violating the Cares Act and also restricting our options to Refinance/obtain a XXXX  due to their LIEN. Loancare Mortgage obtained a XXXX for {$130000.00} against our Home for only XXXX  months of forebearance relief when our Mortgage payment is approximately {$3200.00}. They have taken advantage of XXXX ILLEGALLY during XXXX violating the XXXX XXXX. Loancare Mortgage Company refuses to send us the Documentation detailing the amount of XXXX charged in the XXXX. We are currently speaking to Attorneys hoping to help us with Loancare 's bullying/illegal unfair business practices against Senior citizens.

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 2025-05-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I recently got stuck in the loop of high interest credit cards. Payments kept getting higher and debt got deeper. I tried talking to all the credit card companies which include XXXX XXXX Bank of America, XXXX XXXX, and XXXX. XXXX is the only one that tried to help with payments and interest. I ended up borrowing a lump sum of money from family to pay them down. Band of America which I have a car loan with, marked XXXX  months of late payments on my credit even though I fully caught up with the loan on the last day of the second month. All these banks are ruthless and would rather see you drown in debt than continue to have a good relationship and keep you as a client.

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 2025-05-20 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: FL

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. Please find it in your best interest to delete the items. 


I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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 2025-05-20 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: TX

Complaint narrative:
I kindly request that you update and validate the items I previously mentioned, as they are still incorrectly reported on my account. I have already provided all the necessary details for this Matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-20 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: IL

Complaint narrative:
Please consider this a formal request to block and remove the unauthorized accounts from my credit report at your earliest convenience. I have no knowledge of these accounts, nor did I authorize their creation. In accordance with USC 1681g, I ask that they be removed within 15 days. Supporting documents are included for your careful consideration. Additionally, the reported account details vary across the bureaus and contain discrepancies.

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 2025-05-20 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: MI

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX  XXXX  upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2025-05-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: SANTANDER HOLDINGS USA, INC.
State: CA

Complaint narrative:
My vehicle was repossessed on XX/XX/year> by Santander Consumer USA. I contacted the lender immediately to request the legally required Notice of Intent to Sell under XXXX Civil Code 2983.2. This notice is supposed to be sent within 15 days of repossession and must include the amount necessary to reinstate or redeem the loan, along with the deadline and details about the sale of the vehicle. 

Instead of providing this notice, the lender informed me that I must first agree to their terms before they will send anything in writing. They are refusing to send the required reinstatement or redemption notice unless I commit to unspecified conditions over the phone. 

This is coercive and appears to be a clear violation of my rights under the Rees-Levering Act. I am trying to understand my legal options and determine if I can reclaim the vehicle before it is sold, but I am being blocked from getting the information I am entitled to by law. 

I am requesting this lenders repossession and notice practices be investigated and compel them to issue the proper written notice without delay, so I can make an informed decision before my vehicle is sold or auctioned.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
I asked for them remove inaccurate information from my report. If it doesnt have my XXXX name on my report I want to be removed as well as old address and phone numbers and account numbers

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
I asked for them remove inaccurate information from my report. If it doesnt have my XXXX name on my report I want to be removed as well as old address and phone numbers and account numbers

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 2025-05-20 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: IL

Complaint narrative:
I would like to file a complaint against XXXX XXXX XXXX also TransUnion for reporting this inaccurate account which is violating the FCRA. 

Subject : Formal Dispute of Inaccurate Credit Reporting Dear XXXX XXXX XXXX, I am writing to formally dispute inaccurate and misleading information that you have reported to [ Name of Credit Bureau, e.g., Experian/XXXX/TransUnion ] regarding my account with you. This inaccurate reporting has had a negative impact on my credit file, and I respectfully request an immediate investigation and correction.

Specifically, the following details are being inaccurately reported : Payment History : The reported payment history contains incorrect information that does not reflect the actual payments made.

Account Terms : The terms associated with the account are not consistent with the original agreement.

Closing Date : The date listed for account closure is incorrect.

Account Status : The current status of the account is misrepresented and does not accurately reflect its condition.

I request a method of verification from TransUnion, and Experian I would like to know who did you speak to to verify this account, what did they say, what time did you speak, what date did you speak? to confirm the accuracy and validation of this alleged debt. this account is reporting No info amongst many categories which means it's invalid and it shouldn't be on my credit report if the account can't be validated, nor verified. Regulation F is violated, also the FDCPA is being violated here as well. I request this method of verification whithin 15 days if you can not give this information to me within that legal time frame I ask that this account be removed from my credit profile. 

In accordance with the Fair Credit Reporting Act ( FCRA ), I am requesting that you review the accuracy of the information you provided to [ Credit Bureau ], correct any errors, and ensure that only verified, accurate, and complete information is reported. I ask that this dispute information be handled properly. 


Thank You, 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 2025-05-20 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: FL

Complaint narrative:
On XX/XX/year> XXXX XXXX ( finance ) pulled my credit report under someones actions without my permission which resulted in a fraudulent inquiry.This is an unfair system to be ignored and taken advantage of while plenty of laws are broken due to malpractice and the severity of not taking my situation seriously. Has caused Financial injury and defamation of character

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 2025-05-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NC

Complaint narrative:
over two weeks ago I zeroed out the balance of this credit card. I did so with a balance transfer program from another credit card company. that all worked fine. however my autopay for the credit card was still " on '' and set to " balance '' for the payment. well they charged me the full balance of my card as if I didn't already make the payment two weeks ago. now, fifth third, the bank where this line of credit resides say they can not even reverse the payment ( that has already posted in my bank account ) for 7 days and then it'll take 3-5 days from there to get my money back. 

this is absurd.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 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.

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

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 2025-05-20 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Medical Data Systems, Inc.
State: VA

Complaint narrative:
I am currently not in front of my computer and will communicate as simple and clear as possible. I received a text today saying that I owe {$650.00} to MDS ( Medical Data Systems ) in regards to 2 accounts from XXXX XXXX. 

This is untrue. I sent evidence to them months ago, showing that Ive paid everything owed to XXXX XXXX. And showed the receipts for the two separate bills. Side not : XXXX XXXX may be having technical issues with their payment collecting process and/or is a scam to take more money from medical patients. 

I will not pay for debt that I do not owe. If it is needed once more from CFPB I will happily show them, but Im not goin down the same road again with MDSwho are taking advantage of patients and causing confusion to force extra payments. 

Its evil and wrong. This company needs to be shut down, ESPECIALLY, after you read the reviews on The XXXX

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 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: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I am filing a complaint regarding multiple unauthorized hard inquiries on my credit reports with Experian, Equifax, and TransUnion. I did not authorize, apply for XXXX with, or give any permission to the companies listed below to access my credit. These inquiries were done without my verbal, written, or electronic consent, and there is no permissible purpose under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b. 

These unauthorized inquiries are damaging my credit and are a violation of my rights under the FCRA. Ive reached out to the credit bureaus and the companies that placed the inquiries to dispute and request removals, but nothing has been resolved yet. So Im now formally requesting that these inquiries be deleted from my credit reports immediately. 

Here are the details of the inquiries XXXX disputing : Experian Inquiries : XX/XX/XXXX XXXX XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX MO ( XXXX XXXX XX/XX/XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX XXXX ( XXXX ) TransUnion Inquiries : XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Equifax Inquiries : XX/XX/XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX These companies pulled XXXX XXXX XXXX my consent and XXXX XXXX XXXX XXXX removed from my file. Please handle this as a formal dispute under FCRA guidelines and confirm once the deletions have been made.

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 2025-05-20 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: FL

Complaint narrative:
I recently reviewed a copy of my credit report and I was shocked to learn I have been a victim of identity theft. I found numerous accounts on my credit report that was not open by me. Please remove these fraudulent accounts as soon as possible. I have no knowledge nor have I gave my consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-20 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: MI

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX  XXXX  upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX HAS CHARGED OFF XXXX OF MY ACCOUNTS AND HAVE NOT SENT ME A 1099-C - DEBT OF CANCELLATION FORMS. DUE TO THESE CURCUMSTANCES THE INFORMATION THEY ARE REPORTING ON CREDIT REPORT IS INCORRECT XXXX CHARGE OFF ACCOUNT REPORT XXXX DATE OPENED XX/XX/XXXX DATE OF CHARGE OFF WAS XX/XX/XXXX XXXX CHARGE OFF ACCOUNT REPORT XXXX DATE OPEND XX/XX/XXXX DATE OF CHARGE OFF XX/XX/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