vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-18 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX XXXX  XXXX, Georgia XXXX XXXX XXXX : XXXX XX/XX/year> XXXX XXXX XXXX, LVNV Funding LLC, and XXXX XXXX XXXX XXXX XXXX XXXX address : XXXX, Ut XXXX LVNV funding LLC address : XXXX, Sc XXXX Security Credit Serv address : XXXX, XXXX XXXX Re : Request for Debt Validation, Assignment Contract, and Cease and Desist Dear Debt Collection Agency, I am writing in response to your recent communication regarding the debt you claim I owe, referenced by [ XXXX, XXXX, XXXX ]. Please consider this letter as my formal request for debt validation under the Fair Debt Collection Practices Act ( FDCPA ), as well as a cease and desist request. 
Debt Validation Request Under the FDCPA, I have the right to request verification of the debt. Therefore, I request the following documentation to verify your claim : 1. A copy of the original signed contract or agreement that shows I am legally obligated for the debt.

2. The assignment contract or any other legal documentation that proves your company has been assigned the legal right to collect this debt. This should include the full assignment history, detailing all transfers or sales of the debt, along with dates.

3. An itemized statement of the debt, showing the original amount owed, any interest or fees added, and any payments made to date. 
Please note that I am requesting these documents so I can properly verify the debt and your right to collect it. Until these documents are provided, you are required by law to cease all collection activities and refrain from reporting this debt to credit agencies. 
Cease and Desist Request Additionally, under the FDCPA, I am requesting that you cease all further communications regarding this debt until you can provide the requested validation. This includes telephone calls, letters, and any other form of contact. If you fail to comply with this request, I will file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Attorney Generals office. 
If you continue with collection activities without proper validation or persist in contacting me after this request, I will take further action to protect my rights. 
Please ensure that all communications from your office cease immediately unless you provide the requested debt validation. If you do not respond within 30 days with the necessary validation documents, I will consider the debt invalid, and you will be required to cease all collection activities. 
Thank you for your attention to this matter. I look forward to your prompt response. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me 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
Consumer complaint received 2025-03-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC
State: FL

Complaint narrative:
Debt collector keep trying to collect money from me and i have never done business with National Credit system and they keep harassing me with phone calls and threatning letters

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 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: GA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-03-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have not supplied proof under the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist

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 2025-03-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I bank with wells Fargo and they lacked sufficient information and attention on matters like deposits.

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 2025-03-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My accounts were always on time! Specially with XXXX XXXX, I had a wonderful payment history, and every payment was set up on autopay. They processed the transaction incorrectly on their end, which is why this late payment is being reported. 

I demand the late payment reported to be removed/updated.

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 2025-03-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Early Warning Services, LLC
State: FL

Complaint narrative:
Pursuant to 15 U.S.C. 1681c-2 ( FCRA 605B ), EARLY WARNING SERVICES is legally required to block and remove fraudulent information from my consumer file within four ( 4 ) business days of receiving this dispute, along with proof of identity theft. Any failure to comply within this timeframe will constitute a direct violation of federal law. 
Errors to be Investigated & Removed Within 4 Business Days : Source of Information : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX Phone Number : XXXX Reported For : ACCOUNT ABUSE ; Reported Name : XXXX XXXX XXXX Reported Address : XXXX XXXX XXXX XXXX, FL XXXX Reported SSN/ID : XXXX Drivers License : State : Date of Closure : XX/XX/XXXX XXXX # : XXXX / XXXX Original Charge Off Amount : {$110.00} Closure Status : PAID IN FULL Closure Status Date : XX/XX/XXXX Source of Information : XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX Phone Number : Telephone Number Not XXXX Reported For : OVERDRAFTS ; Reported Name : XXXX XXXX XXXX Reported Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Reported SSN/ID : XXXX Drivers License XXXX State XXXX Date of Closure : XX/XX/XXXX RTN/ACCT # : XXXX / XXXX Original Charge Off Amount : {$1900.00} Closure Status : UNPAID Closure Status Date : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-18 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: AL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-03-18 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: AL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-18 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: Maximus Federal Services, Inc.
State: TX

Complaint narrative:
I have a loan i am trying to pay off but it wont let me log in to repay it. when i try to reset my user id or password i get an error that says it dosent match. i tried calling to get the issue fixed multiple times over 2 months, but sat on hold for an hour. they say to email them if your having trouble but you cant email if your logged in

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-18 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: UNITED STATES MINOR OUTLYING ISLANDS

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-03-19 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: TN

Complaint narrative:
I am filing this formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding inaccurate and unfair late payment reporting on my credit file. These inaccuracies are in direct violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and have caused significant harm to my credit profile. I request an immediate investigation and corrective action.

Legal Basis for This Complaint : 15 U.S.C. 1681, Section 602 ( a ) : Establishes my right to privacy and requires that consumer reporting agencies maintain fair and accurate reporting of my financial information.

15 U.S.C. 1681s-2 ( a ) ( 1 ) : Prohibits any entity from furnishing information to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate. The reporting of incorrect late payments is a clear violation of this statute.

15 U.S.C. 1681i ( a ) ( 1 ) : Requires credit reporting agencies to conduct a reasonable reinvestigation of disputed information within 30 days. Failure to properly investigate disputed late payments violates this provision.

15 U.S.C. 1681e ( b ) : Consumer reporting agencies are required to maintain reasonable procedures to ensure the maximum possible accuracy of credit reports. Incorrect late payment reporting demonstrates non-compliance with this requirement. 

Details of the Inaccurate Late Payments : XXXX XXXX XXXX  XXXX Account Number : XXXX Reported Late Payment : XX/XX/year> XXXX  XXXX XXXX XXXX Account Number : XXXX Reported Late Payment : XX/XX/year> XXXX Reported Late Payment : XX/XX/year> XXXX XXXX XXXX Account Number : XXXX Reported Late Payment : XX/XX/year> XXXX XXXX XXXX Account Number : XXXX Reported Late Payment : XX/XX/year> I formally dispute the accuracy of these reported late payments. These accounts were either paid on time, contain errors in reporting, or lack proper validation. Under 15 U.S.C. 1681i ( a ) ( 1 ), I demand that each of these late payments be investigated and either validated or deleted from my credit file. 

Request for Action : Given the above, I request the following : An immediate investigation into the inaccurate late payment reporting on my credit file. 

Proof of payment history and proper validation of each reported late payment. If validation can not be provided, the inaccurate late payments must be deleted immediately. 

A written response from the CFPB detailing the results of your investigation and any actions taken. 

Failure to address this matter may result in further legal action. I trust that the CFPB will uphold my consumer rights and ensure compliance with federal regulations. 

Thank you for your prompt attention to this matter. I look forward to your response. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-18 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: FL

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : 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 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 2025-03-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-18 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: MI

Complaint narrative:
In Accordance with the Fair Reporting Act. The list below has violated my federally protected consumers rights to privacy and confidentiality under 15 USC 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 XXXX  Section 602 A. State I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states 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 in accurate. 
15 USC 1681EB 15 USC 1681B 15 USC 1681 C-2 15 USC 1692g 15 USC 1681IS-2 15 USC 1681i 15 USC 1681b 15 USC 1681i 15 USC 1681b - 15 USC 1681IS-2 15 USC 1692g 15 USC 1681 C-2 15 USC 1681 BA2 15 U.S. CODE 1681e- 15 USC 1681 ( 2 ) ( a ) ( i ) Delete the above late payments from my consumer reports, this agency is in violation 15 USC 1681

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 2025-03-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
I left a balance of {$150.00} on my previous statement on my tjmaxx mastercard. On the last statement I was charged appropriate interest for that balance. I paid that balance off. The new statement came out today changing me interest yet again on that balance I just paid. I was told by synchrony bank that they would not reverse the charge despite that they were charging interest on a balance that does not exist anymore.

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 2025-03-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-03-18 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: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-03-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Since I never gave permission for these false accounts to be included on my credit report, I humbly ask to be removed from my credit report. You must take immediate action to delete this false information from my files. Please remove and block.

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