vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-02 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Collection Management Holdings, LLC
State: TX

Complaint narrative:
I am writing to formally request documentation regarding a collection account that has been reported to my credit file. Specifically, I am requesting the following information : A signed agreement indicating that the original creditor was not paid, as well as proof of any signed agreement showing that I agreed to pay this debt to the collection company. 

Evidence that the collection company has not paid the original creditor, along with proof that I have explicitly agreed to pay this debt in the event that the original balance was not covered. 

A clear statement showing the balance due.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
My cellphone has been hacked. I immediately went to my local bank to check on my accounts. Only, one of my accounts had been affected. While working with the customer service representative, the fraud was happening. He could actually see the transactions happening. He tried to stop it but could not. I filled out a fraud dispute report and was informed that I had done everything right and I should be refunded the total amount of what had been transferred out of my account. Having filed 3 different disputes I was denied my claim. I was told by several different supervisors that because the fraud happens by using XXXX, that it appears I initiated the transaction. I have never had a XXXX account or ever used that form of banking. I dont know what else to do. I have lost {$2500.00}. from my account. The date was XXXX 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 2024-11-02 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: NC

Complaint narrative:
I've complained about being a victim of identity theft. You must remove any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year>

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 2024-11-02 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Tenaglia & Hunt, PA
State: NC

Complaint narrative:
1.Documentation of all assignments showing the transfer of the debt from the original creditor to the 2.Proof that the original creditor securitized the debt.

3. 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

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I am writing to formally request documentation regarding a collection account that has been reported to my credit file. Specifically, I am requesting the following information : A signed agreement indicating that the original creditor was not paid, as well as proof of any signed agreement showing that I agreed to pay this debt to the collection company.

Evidence that the collection company has not paid the original creditor, along with proof that I have explicitly agreed to pay this debt in the event that the original balance was not covered.

A clear statement showing the balance due.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-02 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: TX

Complaint narrative:
I NEVER GAVE AUTHORIZATION TO ANY OF THESE ACCOUNTS TO RUN MY CREDIT I AM A VICTIM OF ID THEFT XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/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

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 2024-11-02 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX BALANCED {$150000.00} XXXX XXXX XXXX BALANCED {$17000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-02 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX BALANCED {$150000.00} XXXX XXXX XXXX BALANCED {$17000.00}

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 2024-11-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK
State: NJ

Complaint narrative:
In according to federal law act this company Discover bank, has violated my rigths under According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy, 15 U.S. code 1631a ( 2 ) ( Ai ), a consumer report does not include information solely as to transactions or experiences between the consumer and the person making the payment. I also understand that according to federal law 15 U.S. code 1666b ( a ), a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Affirm Holdings, Inc
State: TX

Complaint narrative:
Subject : Request for Removal of Closed Accounts from Credit Report To Whom It May Concern, I am writing to request the removal of closed accounts from my credit report. The following accounts are closed and no longer active, and I believe their removal will help maintain the accuracy of my report : Affirm XXXX XXXX close and it was open since XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-02 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: SC

Complaint narrative:
I recently reviewed my credit report and I was stunned by the information furnished on my report. I have filed a FTC complaint because I do not know where these accounts came from. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXI want a manual investigation into this matter because as stated before I never entered into a consumer credit transaction with any of these data furnishers. I am sure that you are well aware that current case law states that, Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. The courts have ordered that a Reinvestigation that merely shifts the burden back to the consumer and the credit grantor can not fulfill the obligations imposed by FCRA 15 U.S.C & 1681 [ a ] ( 4 ) You have NOT provided me a copy of Any original documentation that you have on file that is required under Section 609 & Section 611 [ a ] ( 1 ) ( A ) ( a consumer contract with my signature on it and under Section 611 ( 5 ) ( A ) of the FCRA- you are required to Promptly DELETE all information which can not be verified

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Chase bank locked me out of my bank account and is falsely accusing me of suspicious activity because I use a virtual private network ( VPN ) when signing into my account and trying to send money from it using XXXX. 

Chase bank is also refusing to accept my state ID and Chase bank debit card as valid forms of identification for verify that I am the owner of my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-02 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: VA

Complaint narrative:
I PULLED MY EXPERIAN CREDIT REPORT AND NOTICE SEVERAL FRAUDULENT ACCOUNTS THAT SHOULD NOT BE REPORTING. I TRIED CALLING THE CREDITORS SEVERAL TIMES AND SEND OUT DISPUTE LETTERS. NO RESPONSE WAS MADE. I NEED ALL ACCOUNTS REMOVE. 



In accordance with the Fair Credit Reporting act XXXX XXXX  # XXXX, has violated my rights. 

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 In accordance with the Fair Credit Reporting Act Convergent, the accounts listed on my attachments has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2024-11-02 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO

Complaint narrative:
Bank of America did not respond to my complaint and are still violating federal FCRA regulations by reporting fraudulent activity about my credit report. 
Since XXXX Bank of America has been reporting false data to the credit reporting agencies. There has never been a late payment, never been a 30 day or 60 day or 90 day late payment notice, yet they continue to report this information. Bank of America continues to ignore request to correct this fraudulent 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 explanation
Consumer complaint received 2024-11-02 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
XX/XX/year> Portfolio Recovery Associates , LLC XXXX XXXX XXXX, XXXX, VA XXXX Subject : Debt Validation Request Dear Portfolio Recovery Associates, I have received correspondence regarding a debt collection and need to verify that you have contacted the correct individual. I am writing to request validation of the debt you have reported to me in your recent communication and am requesting that you provide documentation supporting this.

As per the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to request verification of the debt.

Please provide me with the following information regarding this debt : 1. A detailed contract showing the amount owed exists along with verification of the debt amount you are attempting to collect.

2. The name and address of the original creditor to whom the debt was originally owed and the current creditor.

3. Documentation showing that you are authorized to collect this debt, such as a copy of the original contract or agreement. Include documentation 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 provide this information within 30 days from the date of this letter. During this period, I request that you cease and desist all collection activities until you have provided the requested validation.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus.

Please note that this request does not acknowledge that I owe the debt. If you are unable to provide validation, please remove this entry from my credit report and cease all further collection efforts.

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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-02 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc.
State: MA

Complaint narrative:
Since XXXX of XXXX Firstmark Services has continually misallocated my payments and miscalculated the interest I owed on my loans. In XXXX I requested my loans be place in deferment while I returned to school for my master 's which Firstmark did. Since then, I have been making payments about monthly to pay off all interest accrued on all four of my loans. I noticed in XXXX of XXXX that the amount of interest I owed each month was increasing very rapidly so I reached out to Firstmark. At first they told me that this was because I had not paid off any of the interest on one of my four loans since XXXX. I replied with my confirmations of payment to prove that I had been paying the interest on this loan, as well as all of my other loans. Firstmark responded that they would reallocate my payments as they should have been in the first place. In XXXX, I noticed the same issue with my interest rate accruing faster than it should have and reached out to Firstmark once again, with proof of my payments. I recieved a reply on XX/XX/XXXX that my payments would be reallocated properly. My last payment was on XX/XX/XXXX. With the calculations provided by Firstmark, I should owe {$540.00} as of today, XX/XX/XXXX, however according to my account I have accrued {$830.00}. I am not sure how this could be accurate. In addition, although I have been paying off the interest each month, multiple times paying more than was actually owed due to Firstmark 's miscalculations, my loan balance is increasing which does not make sense as I have not taken out any additional loans with them and all of the interest is being paid monthly.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-02 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: MD

Complaint narrative:
Subject : Complaint Regarding Reporting of Time-Barred Debts in Violation of Federal and State Laws To Whom It May Concern : I am filing this complaint against these agencies for reporting debts to credit bureaus that are over three years old and thus unenforceable under Maryland law . Under Maryland Courts and Judicial Proceedings 5-101, consumer debts that are more than three years old are considered time-barred and are no longer legally enforceable.

Despite this, these debt collectors have reported these unenforceable debts to credit bureaus, which I believe constitutes a violation of my rights. Such reporting disregards protections provided by the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), which mandates fair and accurate credit reporting. Reporting these time-barred debts misrepresents their enforceability, potentially damaging my credit profile and misleading future creditors. 

Furthermore, the XXXX XXXX ( 15 U.S.C. 6802 ) limits how my private financial information may be shared without consent. By reporting these unenforceable debts, these agencies have likely disclosed my private information in a manner inconsistent with my rights under this law. Additionally, under the Privacy Act of 1974, I am entitled to protection of my personal information, which should not be misused or disclosed in ways that could harm my reputation or financial standing. 

I request that the CFPB investigate these debt collection agencies practices to ensure they immediately retract these reports of time-barred debts and cease all efforts that misrepresent the enforceability of such debts. Furthermore, I ask that the CFPB hold these agencies accountable for any breaches of my rights under both federal and Maryland state laws. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-02 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I just recently looked at my credit XXXX... I saw some hard inquiries that did not have permission purpose. I also have attached evidence { XXXX } XXXX XXXX XXXX { XXXX } XXXX XXXX XXXX XXXX This inquiry has no permissible purpose to be on my credit report. Delete this immediately due to violation of 15USC 1681b

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 2024-11-02 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 following accounts do not belong to me and reports were made already. My identity was stolen and I have tried several attempts to get these accounts removed as they do not belong to me. I have asked for proof that they belong to me and it was not given. I have attached an identity theft report with further details. The credit companies are also breaking several laws which I will include in here. Account XXXX XXXX XXXX, open date XX/XX/XXXX, XXXX. Account XXXX XXXX XXXX, open XX/XX/year>. These are two of the same account that dont belong to me. I would like proof that these accounts belong to me from the company reporting them. Account XXXX XXXX, open XX/XX/year>. These accounts do not belong to me and was involved in my identity being stolen. Laws, under 15 USC 1692g. validation of debts. under 15 USC 1681c-2. block of information resulting from identity theft.

Company response to consumer: Closed with explanation