vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-12 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: CA

Complaint narrative:
Re : Debt Validation Request To Whom It May Concern, I am writing regarding an account, which XXXX XXXX XXXX has reported to the credit bureaus as a collection account. Under the Fair Debt Collection Practices Act ( FDCPA ) and applicable state laws, I am formally disputing the validity of this debt and requesting proof that XXXX XXXX XXXX has the legal right to collect this debt. Please provide the following documentation : 1. **Validation of the Debt** Proof that the amount of {$3600.00} is accurate and owed by me.

2. **Proof of Ownership** The purchase agreement between XXXX XXXX  and XXXX XXXX XXXX XXXX 
3. **Itemized Account Statements** Detailed records of the account, including all charges, payments, and interest applied. 
4. **Proof of Licensing** Verification that XXXX XXXX XXXX is licensed to collect debts in my state ( California ) XXXX 
This is not a refusal to pay but a request for clarification. Until the requested documents are provided, I request that no negative information about this debt be reported to credit bureaus, as this would constitute a violation of the FDCPA. 
Additionally, I request that you cease all communication with me regarding this debt, except to provide the requested validation. Please respond through the CFPB portal within 30 days of receipt of this letter. 
Sincerely, XXXX XXXX Social security 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 2025-01-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Fraudulents Hard Inquires : * XXXX XXXXL : XX/XX/year> * XXXX XXXX XXXX : XX/XX/year> * XXXX XXXX : XX/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 2025-01-12 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Dear ( Debt Collector ) I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this.

Please supply me with a copy of any contract or agreement signed with your company or the original creditor.

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor. 2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 4. Proof that the original creditor securitized the debt. 5. Documentation showing the assignments of the debt from the original creditor to the s
ecured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt.

Thank you for your prompt attention to this matter.

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-12 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:
My ssn was exposed during the national public data breach I demand all negative items to be removed all inaccuracies immediately. According to FCRA my personal information is suppose to be protected and it was not.

15 USC Credi Law ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Maximus Federal Services, Inc.
State: GA

Complaint narrative:
I have my student loans serviced by Aidvantage. I am enrolled in the SAVE plan which my account has been in administrative forbearance since XX/XX/year> due to the pending court cases. This means my account has paused payments ( {$0.00} payment due ) and interest is paused ( all my loans are 0 % interest ). Presently, my account should be accumulating {$0.00} every month. Despite the forbearance, I have made about {$14000.00} in payments since XXXX on my account, yet my account has been accruing interest and my Total Current Balance has been increasing ( at least {$27000.00} according to my records ). Even if I was not making payments, my total current balance should not be growing. I have called Aidvantage about this problem 3 separate times and they can not identify why my account has been increasing. I have screenshots showing my balance was about {$27000.00} lower in XXXX and has been increasing ever since. I believe erroneous interest has been added to my account since XX/XX/year> and is continuing to be added every day and yet Aidvantage allegedly has no understanding of why this happened and has yet to find a solution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
XX/XX/XXXX I believe I cashed the check that Ive always cashed and then I dont {$160.00}. I was told by the bank that they were unable to verify the check I was re-issued the check and the bank told me they closed the account XX/XX/XXXX I think and I owe them {$140.00} at first. It was {$110.00} and Im being accused of fraudulently cashing a check and thats not accurate not true

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MS

Complaint narrative:
Tried refinance and was denied and also tried to do a trade in and was denied

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CLGF Holdco 1, LLC
State: NH

Complaint narrative:
On XX/XX/XXXX I looked at my Milestone credit card app to pay my bill like normal, as it is due on the XXXX of every month. I initially paid this off and had a zero balance in XX/XX/XXXX so I knew I should not have had a balance whatsoever as I had done it before the interest would hit. When I opened the app and I saw a balance of {$100.00} I was thrown off. I looked at the statement to see why. I saw that I was charged an annual fee and a monthly fee! All to which I had zero knowledge of. I also learned that my credit card company sold themselves to Concora Credit which is the one who imposed the fee. I received no notification of this whatsoever so it was mind-boggling. I immediately called Concora Credit customer service and the customer service representative was haggling me telling me that I needed to pay it so on and so forth. I reminded her that what the company did was illegal because they sent me no notification i was going to get charged an annual and a monthly fee ( which is absolutely insane to have both of those fees as they're essentially the same! ) and she told me she would then zero off the balance and send me a letter of verification that the account has been closed. I received that verification of account closure on Saturday XX/XX/XXXX. I will include a copy of it. It does not have anything except that the account is closed and nothing about the balance being zeroed out or anything related.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Upon reviewing my credit report, I discovered several unauthorized hard inquiries that I do not recognize. I contacted the credit bureaus to dispute these hard inquiries and requested their removal. Unfortunately, the credit bureaus refused to remove them off my report. This issue is causing undue stress and is negatively affecting my financial standing.

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 2025-01-12 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

List of Unauthorized Inquiries : 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 XXXXXXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX : Debt Validation Request** To Whom It May Concern, I am writing regarding an account, which XXXX XXXX XXXXXXXX has reported to the credit bureaus as a collection account. Under the Fair Debt Collection Practices Act ( FDCPA ) and applicable state laws, I am formally disputing the validity of this debt and requesting proof that XXXX XXXX XXXX has the legal right to collect this debt.

Please provide the following documentation : 1. **Validation of the Debt** Proof that the amount of {$3600.00} is accurate and owed by me.

2. **Proof of Ownership** The purchase agreement between XXXXXXXX XXXX and XXXX XXXX XXXX XXXX 
3. **Itemized Account Statements** Detailed records of the account, including all charges, payments, and interest applied.

4. **Proof of Licensing** Verification that XXXX XXXX Management is licensed to collect debts in my state ( California ) XXXX 

This is not a refusal to pay but a request for clarification. Until the requested documents are provided, I request that no negative information about this debt be reported to credit bureaus, as this would constitute a violation of the FDCPA. 
Additionally, I request that you cease all communication with me regarding this debt, except to provide the requested validation. Please respond through the CFPB portal within 30 days of receipt of this letter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
Account number XXXX I am writing to dispute the validity of the debt listed on my credit report under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692. I request that you verify the accuracy of this information, including all supporting documentation and proof of your legal authority to collect this debt.

Please provide the following : 1. Documentation validating the origin, nature, and amount of the alleged debt.2. Proof that this debt was correctly reported and assigned or sold to your agency.3. Confirmation of your compliance with the FDCPAs notice and reporting requirements.If you can not validate this debt within the legally mandated timeframe, I request its immediate removal from my credit report. Failure to comply may result in my filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and pursuing further legal action as allowed under federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-12 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

List of Unauthorized Inquiries : 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 XXXXXXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 inaccurate.

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 2025-01-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
Re : Dispute of Inaccurate Credit Information for Account # XXXX I am writing to dispute inaccurate information reported by XXXX XXXX XXXX my credit report. The account details are as follows : Creditor Name : XXXX XXXX Account Number : XXXX Closed Date : XX/XX/year> Balance : {$0.00} The following inaccuracies are noted : The account is reported as late ( 30, 60, and 90 days ) after the account was closed and paid in full. 

There are inconsistencies in reporting among XXXX and Equifax. 
Equifax falsely reports the account status as 120 days or more than four payments past due despite the account being paid in full. 

Under the Fair Credit Reporting Act ( FCRA ), they are required to ensure the accuracy of the information you report. I request that you investigate these inaccuracies and update my credit report to reflect accurate information. 

Please provide the results of your investigation in writing and send me an updated copy of my credit report. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-12 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: MO

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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 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 2025-01-12 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: MO

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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 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 explanation
Consumer complaint received 2025-01-12 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: HW Holding, Inc
State: FL

Complaint narrative:
remove this from my report immediately as it was dismissed in court

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-12 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: CA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-12 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I did not initiate any transaction, application, or request for credit with XXXX XXXX on or around the date mentioned above, I believe this inquiry was made in error or as a result of fraudulent activity. In accordance with the Fair Credit Reporting Act ( FCRA ), I am requesting that this unauthorized inquiry be removed from my credit report at the earliest possible time. Please provide written confirmation that this inquiry has been deleted from my credit report. Enclosed with this letter are copies of my credit report highlighting the unauthorized inquiry, a copy of my identification, and any other documentation you may require to proceed with this investigation.

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