vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
I am writing regarding your attempts to collect an alleged debt referenced under account number [ Your Account Number, if applicable ]. Please be advised that I dispute the validity of this debt and, pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq., I hereby demand that you immediately cease and desist all further communication and collection efforts regarding this matter.

Your actions, including [ describe specific behaviors such as repeated telephone calls, harassing language, misrepresentations, etc. ], constitute violations of the FDCPA. As affirmed in the case of XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  ), the statutory protections provided by the FDCPA are enforceable in federal court. Continued failure to comply with these statutory requirements may expose you to legal action for violations of federal law.

Additionally, until you provide me with proper and verifiable documentation validating the alleged debt including a complete account history and the name of the original creditor you must cease all collection activities immediately. Any further attempt to collect this disputed debt will be considered willful noncompliance with the FDCPA and other applicable consumer protection statutes. 

I require that you : Immediately cease all collection activities, including but not limited to phone calls, letters, and any other form of communication regarding this alleged debt. 
Provide me with written verification of the alleged debt, including documentation evidencing my obligation to the amount claimed. 
Confirm in writing within 30 days from the date of this letter that all collection efforts have been terminated. 
If you fail to comply with these demands, I will have no choice but to pursue all legal remedies available to me, which may include filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), as well as seeking relief in court for any violations of the FDCPA.

Thank you for your prompt attention to this matter. I expect written confirmation that you have ceased all collection activities as required by law. 

please cease and desist and please delete and remove permanently from my conusmer report

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 a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, 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 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: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: MS

Complaint narrative:
About my classification at XXXX, at aidvantage it shows i'm a XXXX. but i never taken XXXX courses. Only XXXX course. So under the loan forgiveness it has me paying 25 years ( as a XXXX ) and not 20 years ( as a XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-17 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
Synchrony closed my Lowes and Care Credit accounts because I didnt immediately use them, thus lowering my credit score. They closed my Sams Club card because they claim my score dropped. It dropped because they closed my accounts. My Sams card would be paid off in entirety every month. They reduced my credit limit on my Venmo card and PayPal because my score dropped. Score dropped because they keep closing accounts. Everyone has this complaint. If you have XXXX balance or pay off your credit card in one shot, they close your accounts. This is wrong. Its always the same standard answer they give you. They routinely check your credit and do what they want to do with your account whether you have excellent credit and pay off your balance or not. How is this allowed?? They are playing with peoples lives.

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: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc.
State: TX

Complaint narrative:
This complaint is being filed against XXXX XXXX Amsher Collection Services XXXX 
I had XXXX services for over 10 years before I switched service to XXXX XXXX XXXX  XXXX XXXX, XXXX. I never owed nor did I ever default on payments of my bills. I returned XXXX equipment when I canceled my service with them and received a {$0.00} balance. 
However, around XXXX, XXXX. I started receiving collection notices and phone calls from Amsher Collection Services that I owe XXXX  the sum of {$430.00}. Around XXXX, it was reported to all three credit bureaus that I now owe {$220.00}, with {$210.00} given to me as credit. I have sent out email to ask how and why this change or credit but I have received no response yet. 
It is important to note that I was never under any contract with XXXX that required an early cancelation fee. So I have no idea why they are saying I originally owe {$430.00}, and now {$220.00}. 
Please, I would like the CFPB to investigate this complain and ask XXXX to withdraw the negative claim they have reported to the credit bureaus.

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: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: MN

Complaint narrative:
I have been calling, emailing and filing complaints for the past 3 months about my payments that report that they are missing when they are not missing. I have uploaded my bank stammers stating they were processed and my payment history made to my loan servicer. I was suppose to be eligible for loan forgiveness XX/XX/year> and now it is XXXX with no resolution. I have filed reconsideration requests, buyback requests, and filed multiple complaints with no response.

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: EQUIFAX, INC.
State: TX

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
XXXX XXXX - CHARGE OFF {$7500.00} XX/XX/XXXX, with discrepancies in late payment reporting ; XXXX - XXXX OFF {$990.00} REPORTED XXXX XXXX, with discrepancies in late payment reporting ; XXXX - CHARGE OFF {$3700.00} REPORTED XX/XX/XXXX, with discrepancies in late payment reporting ; XXXX XXXX XXXX - XXXXXXXX XXXX no contract with this entity, {$7200.00} REPORTED XX/XX/XXXX, with discrepancies of late payment reporting & no bill of sale to verify debt ; XXXX XXXX XXXXXXXX - no contract with this collection XXXX, requested bill a sale to verify debt, REPORTED XX/XX/XXXX {$3700.00}, with discrepancies in late payment reporting. XXXX XXXX report claims there arent any current collections, yet I have collectors reporting collections on unverified accounts.

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: EQUIFAX, INC.
State: OK

Complaint narrative:
I ask that you please review this complaint carefully, as it was not sent in error. I believe I have fallen victim to identity theft, as my report contains accounts, transactions, and items that are not mine. Ive repeatedly encountered this mixed-up information, and its causing me significant distress and XXXX. The potential consequences of this situation are deeply concerning, and I fear further harm if its not addressed quickly.

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: TN

Complaint narrative:
Subject : Formal Dispute of Inaccurate Information on Credit Report FCRA Violations To Whom It May Concern, I am writing to formally dispute inaccurate and erroneous information appearing on my Experian credit report, in violation of the Fair Credit Reporting Act ( FCRA ). The following accounts contain errors and must be removed immediately from my credit report. 

Inaccurate Accounts & Violations : 1. XXXX XXXX Bank XXXX Account # XXXX Issue : Account is inaccurately reported as charge-off with an outstanding balance. 
Violation : FCRA 623 ( a ) Duty to report accurate information. 
PLEASE DELETE THIS FROM MY CREDIT REPORT. 
2. XXXX XXXX XXXX XXXX Account # XXXX Issue : Duplicate reporting of the same account under different entries. 
Violation : FCRA 605 ( b ) Prohibition of inaccurate information. 
PLEASE DELETE THIS FROM MY CREDIT REPORT 3. XXXXXXXX XXXX XXXX XXXXXXXX Account # XXXX Issue : Account status incorrectly marked as repossession despite being redeemed. 
Violation : FCRA 611 ( a ) Right to dispute inaccurate information. 
PLEASE DELETE THIS FROM MY CREDIT REPORT 4. XXXX XXXX XXXX Account # XXXX Issue : Account was previously disputed, but no verification was provided. 
Violation : FCRA 611 ( a ) Failure to verify disputed accounts. 
PLEASE DELETE THIS FROM MY CREDIT REPORT Request for Immediate Action : Remove all inaccurate and unverifiable accounts from my Experian credit report. 
Provide written confirmation that these accounts have been deleted. 
Send me an updated credit report reflecting these corrections. 
I request that Experian investigate these violations and correct my credit report accordingly. If no corrective action is taken within 30 days, I am prepared to escalate this matter legally. 

Please respond promptly to this formal dispute. Thank you for your immediate attention to this matter. 

Sincerely,

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: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: ADP Inc.
State: CA

Complaint narrative:
Card was lost a long with other personal possessions on XX/XX/year>,, noticed unauthorized transactions the next day XX/XX/XXXX, amounts {$180.00}, {$180.00}, {$24.00} and {$84.00}. I had information on my phone which was also lost showing my pin and passwords. Adp card service also known as wisely declined the claim and am pending receipt of the determination letter. This presented financial hardship for my family and myself. I am in the process of submitting an appeal and would like to request assistance in the matter.

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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: OH

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 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 — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
Equifax Information Services XXXX XXXX XXXX XXXX, XXXX XXXX Subject : Urgent Request for Account Deletion Due to Identity Theft Dear, Equifax I am writing to formally dispute the unauthorized accounts listed on my credit report. I recently discovered that my personal information was compromised in the Experian data breach, and fraudulent accounts have been opened in my name without my consent. 

The following accounts were not opened by me and should be removed from my credit report immediately : 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 Enclosed, you will find documentation supporting my claim, including confirmation from the Equifax Breach Settlement website indicating that my personal information was compromised. Under the Fair Credit Reporting Act ( FCRA ), I request an immediate investigation into these accounts and their removal from my credit file. 

Please provide written confirmation of the deletion of these fraudulent accounts at your earliest convenience. Additionally, I request a copy of my updated credit report reflecting these changes. 

I appreciate your prompt attention to this matter.

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: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I cant shake the frustration of having my credit dragged down by accounts I never opened. Its hurt me in ways I didnt even realize until recently, and Im tired of feeling stuck because of someone elses mistake.

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 have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 
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: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
Date of disputed transaction XX/XX/XXXX ( this was credited already on XX/XX/XXXX ) XX/XX/XXXX ( no credit given as of XX/XX/XXXX ) XX/XX/XXXX ( no credit given as of XX/XX/XXXX ) Amount XX/XX/XXXX {$79.00} ( credited ) XX/XX/XXXX {$79.00} XX/XX/XXXX {$79.00} Merchant XXXX Inquired with XXXX on XX/XX/XXXX about obtaining a prescription for XXXX. XXXX charged me for the service but was unable to fulfil the request as they are not allowed to ship XXXX  XXXX  to my state. The customer service rep on XX/XX/XXXX stated they would cancel my subscription and refund me the charge for XX/XX/XXXX. 

They did NOT do this, and then continued to charge me on XX/XX/XXXX and 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 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: EQUIFAX, INC.
State: FL

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately. 
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXX/XX/XXXX

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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately. 
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXX/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 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 a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
Transuion has failed to fulfill its legal obligation under fair credit reporting Act ( FCRA ) to conduct a reasonable reinvestagation of disputed information on my credit report leaving inaccurate or unverifable accounts unresolved to the consumer financial protection bureau ( CFPB ) has recently filed a law suit against Transuion alleging systematic issues such as failing to forward consumer provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes, these failures align with the experience, where Transuion has neither corrected nor removed disputed items despite the evidence I provided, causing a ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Transuion inaction violates federal law and my rights as a consumer

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