vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-08 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: EQUIFAX, INC.
State: MS

Complaint narrative:
I filed a dispute on these Hard Inquiries that are still on my Experian credit report. Experian denied to follow up with the investigation. Since they have not attempted to remove or correct the information I am requesting these hard inquiries be removed or corrected immediately. I have no knowledge of these inquiries and they are affecting my credit score and chance of becoming a home owner.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. Collections Account reporting from XXXX XXXX XXXX XXXX XXXX for {$1100.00} that has an inaccurate balance and open date. Late Payments Reporting from XXXX XXXX XXXX XXXX  XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXX, and XX/XX/XXXX. Late Payments Reporting from CLOSED ACCOUNT XXXX XXXX XXXXXXXX ) XXXX XXXX : XX/XX/XXXX XX/XX/XXXX. Late Payments reporting from XXXX XXXX. Experian stated that my personal information was found on the dark web website. Also I can not access my credit score or account for Equifax. According to 15 US CODE 1666B 15 US CODE 1681a ( 2 ) ( 1 ) 15 US CODE 6802 Law FCRA Section 605 B These late payments should not be on my credit report. Also it is illegal to report information on my credit report without my permission. Please remove these items from my credit report. XXXX violate my rights as a consumer, as well as federal laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
after noticing accounts i did not open on my credit report XX/XX/year> i mailed in to the credit bureau disputes based on identity theft. all required documents were mailed VIA USPS. no response has XXXX received to date. 3 accounts were opened with out my permission knowledge or consent by my x wife using my personal information she became familiar with during are marriage. 
XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX 
XXXX XXXX 
do too the fact the agency failed to do a investigation respond to requests for documentation or responded at all is a violation of federal law. the FCRA as well as the FTC require the credit bureaus to remove and block accounts after submitting a valid identity theft report ( 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 2025-03-08 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
after noticing accounts i did not open on my credit report XX/XX/year> i mailed in to the credit bureau disputes based on identity theft. all required documents were mailed VIA USPS. no response has XXXX received to date. 3 accounts were opened with out my permission knowledge or consent by my x wife using my personal information she became familiar with during are marriage. 
XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX 
XXXX XXXX 
do too the fact the agency failed to do a investigation respond to requests for documentation or responded at all is a violation of federal law. the FCRA as well as the FTC require the credit bureaus to remove and block accounts after submitting a valid identity theft report ( 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 2025-03-08 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: GA

Complaint narrative:
Some thing about a XXXX  bill thats not my Im already a XXXX customer like it dont make any sense and I never stayed at the address that the representative told me was on the account

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 2025-03-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Experian and TransUnion i called and ask about removing the medical bills of my credit report. i was told that it wasn't for Texas residents.

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 2025-03-08 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: NRA Group, LLC
State: TX

Complaint narrative:
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 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 2025-03-08 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Crown Asset Management, LLC, Duluth, GA Branch
State: AR

Complaint narrative:
Filed a lawsuit before contacting me then ignored my 10 calls trying to resolve this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-08 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
In accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
In accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have 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.

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 2025-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: AMERICAN EXPRESS COMPANY
State: TN

Complaint narrative:
I requested my credit report on XX/XX/XXXX, 2024. to this day thaey failed to send it. I am still waiting on it and American express business card ending in XXXX is also refusing as they said I have to get it from XXXX and XXXX. I want my credit report by XXXX Mail 1st class or Certified mail. American Express stated that they are the only credit reporting agency for my bisiness account, but yet they always reported under my account on the other credit Bureaus previously. I need it reporting for the 7-10 yrs allowed by law from the date of the request.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: PENNYMAC LOAN SERVICES, LLC.
State: GA

Complaint narrative:
I made my mortgage payment on XX/XX/year> on the PENNYMAC mobile app I used my my XXXX XXXX business account as the source of this payment and received a confirmation number XXXX. I have the funds available in the account and never received any notice that my payment was unsuccessful or returned. However, this morning XXXX Identity works sent me a notification that PennyMac reported my account was 30 days past due. I was taken aback by this information and it doesnt make sense. I asked them to make the correction and to process the payment immediately and update my credit to reflect that a system error caused the issue. The injury done to me and my credit history needs to be corrected, their payment processing system needs to be reviewed and a ticket must be submitted to technical support to see why the system issued me a confirmation number and notice that my payment was successfully processed if it wasnt. And why wasnt a notice mailed to me notifying me that my payment didnt proceed I provided my account with the available funds and authorized the payment

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-08 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: MD

Complaint narrative:
Please ensure the unauthorized accounts are blocked and removed from my credit report at the earliest opportunity. I did not initiate these accounts and have no knowledge of their origin. Under USC 1681g, I formally request their removal within 15 days. Relevant supporting documents are attached for your review.

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 2025-03-08 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Alorica Inc.
State: OR

Complaint narrative:
I am being harassed by this company with XXXX daily phone calls attempting to collect a debt that is only XXXX XXXX late. They have called at least XXXX times in the last XXXX XXXX and are calling from different spoofed numbers. Its harassment and, from what I understand, illegal. 

I did not even apply for a loan with the predatory company ; my other loan servicer sold the debt. I will file a complaint every time I receive a call, and if the calls continue, I will seek legal damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-08 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Collection Management Holdings, LLC
State: TX

Complaint narrative:
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 : XXXX. The name and address of the original creditor and the current creditor. 
XXXX. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 
XXXX. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 
XXXX. Proof that the original creditor securitized the debt. 
XXXX. 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 explanation
Consumer complaint received 2025-03-08 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I opened a Capital One account three weeks ago, and now they have completely restricted my access to my funds without a valid reason.

They blocked my checking, savings, and credit card accounts.

They are forcing me to give my Social Security number over the phone to verify my identity, even though I already provided my complete information when opening the account.

I can not access my own money, and customer service is unhelpful and rude.

I requested to close my account, but they refuse to let me do so unless I unrestrict it firstwhich they will only do if I give them my SSN over the phone.

I followed all proper steps to open my account, and now Capital One is unfairly blocking me from my funds.

I am requesting immediate access to my funds and the ability to close my account without further unnecessary delays. Capital Ones practices are unfair, unreasonable, and causing me significant stress and hardship.

I need this resolved immediately.

Thank you. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-08 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: NY

Complaint narrative:
I am writing to formally request validation of the alleged debt referenced in your recent communication dated [ insert date of the letter you received ]. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I have the right to request a validation of the debt you claim I owe.

Please provide me with the following information : 1. The amount of the alleged debt.

2. The name of the original creditor.

3. A copy of the original contract or agreement under which the debt arose.

4. Any records that provide evidence of my obligation to pay this debt.

Until I receive this information, I request that you cease all collection activities related to this account, as per 15 U.S.C. 1692c.

Please respond to this request within 30 days. Failure to provide the requested validation will require you to cease collection efforts and remove any related negative information from my credit report.

Thank you for your cooperation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Checkr, Inc
State: MI

Complaint narrative:
The info in this report is not true until proven otherwise. the pending case is inaccurately reflected, I request that you exclude the pending case from my future reports. understanding that this is a violation of 15 USC 1681 ( B ) ( C ). Both together and separately my privacy rights are being violated.

Unless you can produce any proofs or evidence that support this please remove from report!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-08 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: CA

Complaint narrative:
Im writing to bring your attention to a credit inquiry on my report that I did not authorize, and it clearly has no permissible purpose. Im not sure how this inquiry was made, but I want to make it clear that I never gave permission for it.

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 2025-03-08 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: United Collection Bureau, Inc.
State: WA

Complaint narrative:
I received a certified letter from the Indiana IRS in XXXX ( XXXX I believe ) stating if I did not pay the remaining taxes I owed them they pursue other actions including seizing my tax return. The letter granted until XXXX from my understanding. 

On XX/XX/XXXX I received a letter dated XX/XX/XXXX stating I had placed a tax warrant against me but did not include a pay by date before next steps would be taken. 

From XXXX XXXX I secured the funds to pay the debt and proceeded to pay it off on XX/XX/XXXX. 

On XX/XX/XXXX the United Collection Bureau negligently proceeded with filing a bank levy against me even though the debt had been settled. They also seized {$2000.00}. I received a letter from my bank on XX/XX/XXXX dated XX/XX/XXXX telling me about the levy and assets being seized along with a {$100.00} dollar legal processing fee.

I have since taken a total od 4 hours off of work to try to get this straightened out. 

I finally got ahold of United Collection Bureau on XX/XX/XXXX and explained their negligence. They confirmed they did not validate my file was still valid and proceeded with the levy on XX/XX/XXXX then the file was pulled from them after the fact but they did not proceed with removing the levy nor returning my seized assets. They agreed to remove the levy which was process on XXXX by my bank but I do not have my seized funds back nor are they willing to return my fee and lost wages I incurred due to their negligence. At this point I have {$2000.00} Dollies gone out of my account, {$100.00} legal processing fee, and 4 hours lost wages and counting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-08 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
Under FCRA 15 USC s1681c-2 ( section 605B ), fraudulent items must be blocked within 4 business days upon receiving an identity theft report. 15 USC s1681s-2 requires furnishers to ensure accuracy and stop reporting disputed accounts unless verified. 15 USC s1681e ( b ) mandates that agencies ensure maximum accuracy. Under 15 USC s1692c ( a ) ( 2 ), collection activities must cease regarding debts from identity theft. Finally, under 15 USC s1681 ( a ) ( 2 ), I never gave authorization for these accounts to be reported.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX IL, XXXX XXXX XXXX XX/XX/year> Capital One Auto Finance Re : Dispute of {$8000.00} Charged-Off Account and Request for 1099-C Account Number : XXXX Dear Capital One Auto Finance, I am writing to dispute the validity of the {$8000.00} charged-off account referenced above. I also request that you provide me with a 1099-C form, as required by the Internal Revenue Service ( IRS ), since the debt was allegedly canceled or forgiven.

Specifically, I dispute the following : - The debt amount : I do not recognize the amount claimed as the outstanding balance, and I request documentation to support this amount.

- The charge-off date : I dispute the date the account was charged off, as I believe it may have been done prematurely or in error.

- Lack of 1099-C form : I did not receive a 1099-C form for the allegedly canceled debt, which is required by the IRS.

Pursuant to the Fair Credit Reporting Act ( FCRA ), I request that you : 1. Verify the accuracy of the disputed information.

2. Provide documentation to support the debt amount and charge-off date.

3. Furnish a 1099-C form for the allegedly canceled debt.

4. Correct or delete any inaccurate or unverified information related to this account from my credit reports.

Please investigate this matter and respond within 30 days. I appreciate your prompt attention to this dispute. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation