vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-05 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
Subject : Formal Complaint Regarding Loan Eligibility and Lack of Disclosure Dear CFPB, I am writing to file a formal complaint regarding my loan eligibility with XXXX as well as the lack of proper disclosure during a payment modification process. Below is a step-by-step explanation of the situation and the issues I encountered : - Request for Payment Modification : As a result of hardship during hte COVID-19 pandemic, I requested a modification to my loan payments from LoanBuilder, as many others were doing at the time. I did not receive any written or verbal communication that would indicate this request could affect my eligibility for future loans. There were no terms or disclosures provided regarding the potential impact on future borrowing capabilities. 

- Approval and Adjustment : My request for a reduced payment plan was approved right away and yet, at no point was I informed, either verbally or in writing, that this modification could limit my access to future loans with XXXX. I continued to make the required payments under the modified terms without understanding that future funding could be impacted. 

- Full Loan Repayment : I repaid my loan in full and on time, believing that this action would leave me in good standing with XXXX and maintain my ability to access future credit. 

- Ineligibility for Future Loans : When I attempted to obtain future loans through XXXX, I was informed that I was no longer eligible for funding due to the payment modification. This came as a complete surprise to me, as no verbal or written communication ever disclosed that modifying the payment terms would affect my eligibility for future loans. 

- Request for Review : I requested a review of my case, hoping for clarification and reconsideration of my eligibility. However, despite my request, the review was denied. Additionally, XXXX has failed to provide any written or verbal proof of the terms or consequences regarding future loan ineligibility at the time the payment modification was granted. This lack of transparency has left me with no clear understanding of why my eligibility was affected, other than how the representative said on the recorded line that " they were doing the best they could back then. '' - Formal Complaint : Given the lack of proper communication and transparency, I am now seeking your assistance in resolving this issue. XXXX failure to disclose the potential impact of payment modifications on future loan eligibility is unfair, especially since I was never made aware of such terms at the time. I respectfully request that your department intervene and assist in ensuring that I am treated fairly and that my eligibility for future loans with XXXX is properly reconsidered. 

Thank you for your attention to this matter. I look forward to your prompt response and assistance in resolving this issue. 

Best regards, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-05 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bull City Financial Solutions, Inc
State: NC

Complaint narrative:
I received a letter reference XXXX attempting to collect {$370.00} that is not my bill. Please contact XXXX XXXX and find out who you are accepting the debt from because this is not my bill. I have checked XXXX XXXX and have no bills due and XXXX charges for this amount. I strongly suggest Bull City Financial do their due diligence and find out who's Bill this is.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-05 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: NY

Complaint narrative:
I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action.

Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs. 
Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately. 
Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report. 

DELETE THIS ACCOUNTS IN MY CREDIT REPORT IMMEDIATELY!

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 2025-01-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX XX/XX/XXXX Dear CFPB Complaint Department, I am submitting a formal complaint regarding the reporting and collection of a debt associated with the following account : Collection Agency : Credit Collections Original Creditor Name : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Amount Reported Owed : {$130.00} Date Reported : XX/XX/XXXX Complaint Summary The debt in question appears to violate provisions of both the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). I am requesting the CFPBs assistance in investigating and resolving this matter. 
1. Failure to Validate Debt ( 15 U.S.C. 1692g - FDCPA ) : Under the FDCPA, I am entitled to a complete validation of this debt, including evidence of the original agreement, itemized charges, and proof of ownership of the debt by the collector. To date, Credit Collections has not provided sufficient documentation to substantiate this claim.

2. Potential Inaccuracies in Reporting ( 15 U.S.C. 1681e ( b ) - FCRA ) : The FCRA requires that only accurate and complete information be reported to credit reporting agencies. Without validation, the reported balance of {$130.00} and the associated details remain questionable and may constitute inaccurate reporting. 
3. Improper Classification and Documentation ( 15 U.S.C. 1681s-2 ) : Credit Collections and XXXX XXXX XXXX XXXX classify and document any debt reported. As this debt originates from an insurance company, additional verification is needed to confirm it adheres to industry-specific regulations. 
4. Lack of Transparency Regarding First Delinquency ( 15 U.S.C. 1681c ) : The date of first delinquency is listed as XX/XX/XXXX, yet Credit Collections has failed to provide any supporting documentation to prove this accounts legitimacy or confirm this dates accuracy. 


This account is negatively impacting my credit score and financial stability. I trust that the CFPB will take the necessary steps to ensure this matter is resolved fairly and in compliance with federal laws. 

Thank you for your assistance. I have attached relevant documentation for your review. 

Sincerely, XXXX XXXX XXXX XX/XX/XXXX SSN : XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-05 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: MD

Complaint narrative:
Per 15 U.S.C. 51681, you're in violation of my rights to privacy by reporting non-public personal information without my permission or consent. I demand immediate deletion of this data and formally opt out of any further reporting of such information.

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 2025-01-05 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: NY

Complaint narrative:
Despite my previous three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. In their responses to my dispute letters, they stated that they have verified the items listed as accurate but failed to send me copies of the documents used to verify these accounts, as per my request. 

Their failure to provide these documents indicates that they can not and did not verify any of the disputed accounts as claimed. Furthermore, their failure to delete the disputed accounts that they can not verify after three written requests demonstrates a willful disregard of Federal Law. 

Please review the attached letter. Thank you for your assistance.

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 2025-01-05 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: NY

Complaint narrative:
Despite my previous XXXX written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. In their responses to my dispute letters, they stated that they have verified the items listed as accurate but failed to send me copies of the documents used to verify these accounts, as per my request.

Their failure to provide these documents indicates that they can not and did not verify any of the disputed accounts as claimed. Furthermore, their failure to delete the disputed accounts that they can not verify after three written requests demonstrates a willful disregard of Federal Law.

Please review the attached letter. Thank you for your assistance.

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 2025-01-05 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: SUNRISE CREDIT SERVICES, INC
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX To Whom This May Concern, I have recently pulled my credit report and noticed that there is a collection listing from your agency. 
I have never been notified of this collection action or that I owed the debt. 
This letter is to inform you that I have the right to request a validation of this debt and your ability to collect this money from me. I ask that you prove that I am indeed the party who is contractually bound to pay off this debt or stop collection activity and remove it all together. 


Please attach copies of the following documents : Agreement that you have authority to collect on this alleged debt. 
Agreement that bears signature of the alleged debtor with promises to pay the original creditor. 
Complete payment history on this account, to prove that the amount you wish to collect is correct. 

I hope your legal staff will agree that noncompliance with this request will result in serious legal trouble for your Company.

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 2025-01-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX  XXXX {$750.00} XXXX XXXX XXXX XXXX XXXX XXXX {$500.00} XXXX XXXX XXXX XXXX XXXX XXXX {$500.00} XXXX XXXX XXXX XXXX XXXX XXXX {$1000.00} XXXX XXXX  All these accounts are either not reporting or not reporting accurately on my XXXX consumer report which is in violation of consumer reporting agency, this is negatively impacting my score which is not allowing me to get credit on favorable terms. 
Please investigate and rectify the situation immediately. 
Thank you for your time.

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 2025-01-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$750.00} XXXX XXXX  XXXX XXXX Bank XXXX {$500.00} XXXX XXXX XXXX XXXX XXXX XXXX {$500.00} XXXX XXXX XXXX XXXX XXXX  XXXX {$1000.00} XXXX XXXX All these accounts are either not reporting or not reporting accurately on my XXXX consumer report which is in violation of consumer reporting agency, this is negatively impacting my score which is not allowing me to get credit on favorable terms. 
Please investigate and rectify the situation immediately. 
Thank you for your time.

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 2025-01-05 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Robinson Economic Development Corporation
State: IL

Complaint narrative:
no license found for state of IL, and XXXX greatly exceeds that what IL allows.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-05 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: PA

Complaint narrative:
I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action.

Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs.

Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report.

DELETE THIS ACCOUNTS IN MY CREDIT REPORT IMMEDIATELY!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-05 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: PA

Complaint narrative:
I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action.

Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs.

Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report.

DELETE THIS ACCOUNTS IN MY CREDIT REPORT IMMEDIATELY!

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 2025-01-05 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: SC

Complaint narrative:
I recently received a copy of my report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2025-01-05 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: MI

Complaint narrative:
Your Name Your Address City State Zip Code Name of Creditor/Debt Collector Address City State Zip Code Re : Account Number To whom it may concern, I am writing in response to your recent correspondence regarding the debt that you claim I owe. I am requesting that you provide me with validation of this debt, as required under the Fair Debt Collection Practices Act.

Specifically, I am requesting that you provide me with the following information : 1. The original creditor 's name and contact information.

2. The original account number associated with the alleged debt.

3. Detailed information about the nature of this debt, including the dates and amounts of all transactions or charges.

4. Any contracts, agreements, or other documents that demonstrate my obligation to pay this debt.

5. Proof of your agency 's authorization to collect this debt on behalf of the original creditor. 
XXXX. The agreement bearing my signature stating that I have agreed to assume the debt. 
7. Proof that the Statute of Limitations has not expired.

If your office fails to reply to this debt validation letter within thirty ( 30 ) days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased.

Sincerely,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-05 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: AL

Complaint narrative:
HI I just received my investigation results back via Secure email, and the results came back verified. How was it verified when I simply requested the verification method and the reporting furnisher. I wrote the bankruptcy courts and they verified they do not report to any CRAs so how was this verified. The generic E Oscar system mistaken my inquiry as actually verified with no proof or documentation. 

I would like to know the methods used to retrieve this information. Please provide the credit reporting furnisher of this bankruptcy. 

I am interested in understanding the verification process used for the information on my credit file. Kindly refrain from providing a standard generic verification response.

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