vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-30 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Debt Validation Request Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 809 ( b ) and the Fair Credit Reporting Act ( FCRA ) XXXX XXXX XXXX XXXX Experian Account Number XXXX XXXX I am sending this letter in response to the alleged debt you are reporting on my credit report. I dispute the validity of this debt in its entirety and demand strict verification per my rights under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ( b ) ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ). 
Under 15 U.S.C. 1692g ( b ), you are required to provide me with detailed and verifiable proof of the following : 1. Proof of Ownership : A signed contract or agreement that proves I have a direct obligation to pay XXXX XXXX XXXX. 
2. Chain of Custody : A full payment history and a breakdown of how the alleged balance was calculated, including the original agreement with XXXX XXXX XXXX. 
3. Proof of Authorization : A copy of your legal authority to collect this debt, including the purchase agreement or assignment contract between you and the original creditor. 
4. Proof of Licensing : Your companys collection license for my state, proving you are legally authorized to collect debts in my jurisdiction. 
Additionally, under 15 U.S.C. 1681s-2 ( b ), if you can not verify this debt with concrete proof, you are legally required to delete this account from all consumer reporting agencies ( XXXX, Experian, and XXXX ) . 
If you can not provide the requested validation within 30 days, you must immediately remove this account from my credit report and cease all collection activities as required by federal law. Any attempt to report unverifiable or inaccurate information violates the FCRA ( 15 U.S.C. 1681n and 1681o ), and I will be forced to take legal action if necessary. 
This letter serves as notice that I do not consent to any phone communication regarding this matter. All correspondence must be in writing. Failure to comply with these requests may result in a formal complaint to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state attorney generals office. 
I expect a response within 30 days from the date of this letter. 
Sincerely, 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 2025-01-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: EdFinancial Services
State: NY

Complaint narrative:
I tried to tell Education financial debt collection company my student loans are 23 years old and I deferred the loan over 10 years ago.I thought that my loan was forgiven in XXXX. All time why are collecting on a loans that old. I am retired and on social security.I not able to pay because I never got another job or any form of employment since XXXX. Now this agency is sending emails and many phone calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: VA

Complaint narrative:
XXXX has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to reasonably reinvestigate disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) recently filed a lawsuit against XXXX, alleging systemic 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 my experience, where XXXX has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXXXXXX XXXX inaction violates federal law and my rights as a consumer. XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Collection Professionals, Inc.
State: MO

Complaint narrative:
Collection Professionals, XXXX XXXX XXXX, XXXX, UT XXXX, phone number : ( XXXX ) XXXX, has repeatedly called me and sent my letters in the mail trying to collect a debt on the behalf of XXXX XXXX XXXX XXXX for the amount of {$1200.00} for almost a year. I have repeatedly ( at least 3-4 times ) asked them to mail or email me a copy of the itemized statement over the various months so I can verify the amount owed. On XX/XX/year> I reached out to Collection Professionals again to ask them to send me the information I have repeatedly requested and I spoke to a woman named XXXX XXXX who told me she could email me the itemized statement and that she would be requesting that information for me. It is now XX/XX/year> and I called them for the final time today and I spoke with a woman named XXXX who said that they have not been able to get the itemized statement for me and she would put in another request. I will not be paying them until they can show me this itemized statement and I do not believe this should be reflected on my credit report until they can give me the documentation I have requested. My reference number for Collection Professionals is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 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: GA

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-30 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: GA

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against 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 2025-01-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: ND

Complaint narrative:
( Block, Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: OPTUM BANK, INC.
State: MA

Complaint narrative:
I am writing to report a significant discrepancy I have confirmed today in the HSA " Truth in Savings New Account Disclosure '' notice from Optum Financial, which I received XX/XX/year> via postal mail. Specifically, the disclosure text and the chart shows an interest rate of 2.2 %, but somehow, at the end of the year, it equals growth and payments for an APY ( Annual Percentage Yield ) of 0.01 %. An image of the notice and chart is attached to this email. 

To quote the disclosure it says ( attached the quote is the words above the chart ) : If your daily balance is between {$500.00} and {$990.00}, the interest paid on the entire balance of your account will be 2.20 % with an APY of 0.01 %. 
If your daily balance is between {$0.00} and {$490.00}, the interest paid on the entire balance of your account will be 2.20 % with an APY of 0.01 %. 

To provide more clarity, the calculation for getting the APY from a monthly compounded rate of 2.2 % should not result in such a low yield. Here is the correct calculation for the APY : - Convert the annual interest rate to a monthly rate : 2.2 % / 12 = 0.1833 % - Add 1 to the monthly rate ( expressed as a decimal ) : XXXX + XXXX = XXXX - Raise this result to the power of 12 ( the number of months in a year ) : XXXX = XXXX - Subtract XXXX from this result to get the APY : XXXX - XXXX = XXXX, or 2.24 % Additionally, I have checked the online version of the same disclosure, and it does not match the printed version. This discrepancy suggests yet another error that needs to be corrected and communicated to all account holders. 

I am also very concerned about how long this error has been in place. Upon reviewing my recent statements, I noticed that the rate was not paid as stated in the printed disclosure but rather according to the miscalculated 0.01 % APY. I would like to understand how long this incorrect rate has been applied and request that any retained interest be returned to all affected account holders for however many years this error has persisted. 

I believe correcting this will help ensure clarity and trust among account holders who received this erroneous information or missed interest payments. I requested the bank look into this error, and the response was to confirm the APR is in fact 2.2 % and the APY is 0.01 % Those two rates are not compatible. 

I've been told it's accurate rate and disclosure by the company ( Optum Bank - a division of XXXX XXXX XXXX ) but I can not believe that is the case as the math doesn't work correctly based on standard APR to APY calculations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 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: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

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 2025-01-30 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: First Technology Federal Credit Union
State: NC

Complaint narrative:
First tech has been report inaccurate information on my account and credit report. The account has been closed since XX/XX/year>. However, they have been reporting that i have non payment/late for the last 23 months which is inaccurate. I request that this account and all negative remarks connected to it be removed from my credit report. First tech also wrote it off as a loss. I was never issued a 1099c, I also contacted first tech to let them know that the original contract has GAP insurance coverage. By it not being added to the refinance when the car was totaled it left a balance of {$2200.00}. Which with the GAP full coverage the amount and vehicle would have been covered in full. According to the 15 U.S.C 1681 First Tech has violated my rights.

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 2025-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I am writing you this letter regarding payments that were marked late by your company for the following accounts on the following date ( s ) : XX/XX/year> It is my understanding that per 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), my consumer report should not contain information solely as to transactions or experiences between the consumer ( me ) and the person ( you ) making the report. Payment history and the late payments associated with payment history negatively impact my consumer report and are considered as part of my transactions and experiences between me and your company. 

Furthermore, I am requesting that you provide me with, in writing, the reasonable procedures [ according to 15 USC 1666 ( b ) ] that you have adopted to ensure that each periodic statement is mailed to me ( the consumer ) not later than 21 days before the payment due date. Include also, all the information required by section 1637 ( b ) of Title 15.

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 2025-01-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I need your help to investigate accounts from these companies that have reported late payments incorrectly. Upon reviewing my credit report, I found some accounts marked with late payments, which should not be the case. No late payment remarks should appear on these accounts

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 2025-01-30 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:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

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 2025-01-30 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: GA

Complaint narrative:
TWO THINGS : I RECENTLY ATTEMPTED TO APPLY FOR AN ONLINE BANK ACCOUNT AND LO AND BEHOLD, AM DENIED BY INFORMATION PROVIDED BY EXPERIAN CUSTOMER ASSISTANCE, WHOEVER THAT IS, GIVING A PRECISE SCORE, WHATEVER THAT IS, RELEASED WITHOUT MY KNOWING OR PERMISSION OR EVEN KNOWLEDGE OF ITS EXISTENCE, and WAS DENIED DUE TO A LOW LEVEL OF XXXX : HOW? Where From? Indicating Fraud, I do not participate in fraud. And that they were Unable to verify information on your application. THIS IS RIDICULOUS. I ALSO JUST LOGGED INTO MY EXPERIAN FOR MORE INFO, TO SEE IF MY ACCOUNT JUST TOOK A HIT BECAUSE OF ALL OF THIS AN NOTICED THAT MY SCORE WENT DOWN XXXX points for paying my {$1200.00} credit card bill off in full, like Like Ive been doing : THIS IS CRAZY THAT I AM PENALIZED FOR PAYING MY DEBTS ON TIME AND IN FULL. THEY KEEP SETTING AND REMOVING THE BAR. THEY DONT WANT TO SEE ANYONE SUCCEED BUT THEIR POCKETS. THIS IS AN INJUSTICE TO THE AMERICAN PEOPLE EVERYWHERE

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 2025-01-30 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: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Debt Validation Request Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 809 ( b ) and the Fair Credit Reporting Act ( FCRA ) Portfolio Recovery Assoicates XXXX XXXX Account Number XXXX XXXX I am sending this letter in response to the alleged debt you are reporting on my credit report. I dispute the validity of this debt in its entirety and demand strict verification per my rights under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ( b ) ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ).

Under 15 U.S.C. 1692g ( b ), you are required to provide me with detailed and verifiable proof of the following : XXXX. Proof of Ownership : A signed contract or agreement that proves I have a direct obligation to pay Portfolio Recovery Associates. 
2. Chain of Custody : A full payment history and a breakdown of how the alleged balance was calculated, including the original agreement with XXXX XXXX XXXX. 
3. Proof of Authorization : A copy of your legal authority to collect this debt, including the purchase agreement or assignment contract between you and the original creditor. 
4. Proof of Licensing : Your companys collection license for my state, proving you are legally authorized to collect debts in my jurisdiction. 
Additionally, under 15 U.S.C. 1681s-2 ( b ), if you can not verify this debt with concrete proof, you are legally required to delete this account from all consumer reporting agencies ( XXXX, XXXX, and XXXX ) . 
If you can not provide the requested validation within 30 days, you must immediately remove this account from my credit report and cease all collection activities as required by federal law. Any attempt to report unverifiable or inaccurate information violates the FCRA ( 15 U.S.C. 1681n and 1681o ), and I will be forced to take legal action if necessary. 
This letter serves as notice that I do not consent to any phone communication regarding this matter. All correspondence must be in writing. Failure to comply with these requests may result in a formal complaint to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state attorney generals office. 
I expect a response within 30 days from the date of this letter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX Duties of users regarding address discrepancies - I submitted a complaint on XX/XX/XXXX and Experian sent me confirmation that the dispute was completed. Upon review, nothing has been done or deleted. I have sent in proof of my name- XXXX XXXX XXXX. My address is XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX. My employer is XXXX XXXX XXXX XXXX XXXX - I am XXXX  and have been since XXXX. I have over 35 addresses on my credit report, and I have not lived at all of these addresses and many of them are incorrect. I have never lived in XXXXXXXX XXXX, and I have had a fraud alert on my profile for many years. The addresses need to be verified. Majority are incorrect and do not match anything on 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 explanation
Consumer complaint received 2025-01-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: TrueAccord Corp.
State: TX

Complaint narrative:
I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 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: EQUIFAX, INC.
State: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

Company response to consumer: Closed with non-monetary relief