vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I paid off XXXX XXXX student loans over 6 months ago, and XXXX and Experian both still report the accounts as active and in repayment ( and the balances as several XXXX dollars ). I contacted XXXX several times, and they confirmed theyve reported to all XXXX credit bureaus that the accounts are paid in full/closed. Ive also filed disputes with XXXX and Experian- they closed the disputes without resolving them.

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 2024-11-03 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: FL

Complaint narrative:
XXXX  XXXX XXXX is illegally reporting payment transactions on my Experian credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-11-03 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: NJ

Complaint narrative:
Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. 

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.

At this time I will also inform you that if your offices have or continue to report invalidated information to any of the three major credit bureaus ( XXXX, XXXX, XXXX XXXX ), this action might constitute fraud under both federal and state laws. 

During this validation period, the accounts on my credit report is considered detrimental to any of my credit reports and it affects it affects my credit report negativity. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-03 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:
XXXX XXXX XXXX : XXXX XXXX : XXXX To Whom It May Concern, I am submitting this complaint to the CFPB to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, as the credit reporting agency , block any information on my consumer credit report resulting from identity theft and fraud within four business days of receiving this complaint. 

The fraudulent and inaccurate information includes the following accounts, which I do not recognize and did not authorize : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$860.00} XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$480.00} XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1200.00} These accounts have resulted in multiple fraudulent collections on my FICO credit report. All of these accounts and collections were neither opened nor initiated by me ; they are a direct result of identity theft and fraud. 

For verification, I have attached a copy of the FTC Identity Theft Criminal Complaint # ( XXXX ) issued by the U.S. Federal Trade Commission, confirming that the aforementioned accounts and collections are fraudulent. Please delete fraudulent accounts as soon as possible. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-03 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: F.H. Cann & Associates, Inc.
State: NV

Complaint narrative:
I am filing a complaint regarding the improper re-reporting of an account that was previously investigated, disputed, and deleted from my credit report. FH Cann & Associates, on behalf of XXXX XXXX, has re-reported this account despite prior investigations and a confirmed deletion. 

Given the complex nature of my case and my sensitive personal situation, I am routing all contact and complaints through the CFPB until matters related to identity theft and accurate reporting are fully resolved. I am submitting specific evidence with this complaint, such as my FTC Identity Theft Report and hospice certification, which are directly relevant to this matter. Additional evidence about the situation was previously submitted to the Department of Education, where this account is also under review. 

If FH Cann & Associates has the right to collect on this account, they should already have access to the full history and should be aware of its deletion. I seek to establish a clear record of disputing these accounts to prevent them from reappearing on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-03 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:
In accordance with the fair credit reporting act the list of accounts below has violated my federally protected consumer rights to privacy an confidentiality under XXXX XXXXXXXX XXXX XXXX XXXX, {$11000.00} XXXX XXXX, # acct XXXX, {$230.00} XXXX XXXX, acct # XXXX, {$13000.00} XXXXXXXX XXXX # acct XXXX XXXXXXXX XXXX XXXXXXXX, {$190.00} XXXX XXXX acct XXXX {$120.00} XXXX  # XXXX {$7900.00} XXXX acct XXXX {$1000.00} XXXX XXXX XXXX  # Acct XXXX {$730.00} XXXX XXXX  # acct XXXX {$250.00XXXX XXXX XXXX XXXX # acct XXXX {$19000.00} XXXX acct XXXX {$480.00} XXXX # acct XXXX {$7900.00} XXXX XXXX # acct XXXX  {$130.00} XXXX # acct XXXX {$480.00} XXXXXXXX XXXX  # XXXX {$730.00} XXXX XXXX XXXX XXXX {$450.00} XXXX XXXX XXXX XXXX XXXX {$49.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$450.00} XXXX XXXXXXXX {$1400.00} has violated my rights 15 USC 1681 section 602 A states I have the right to privacy 15 USC 1681 section 604A section 2 also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1681c ( XXXX  ) section states no consumer reporting agency may make any consumer report containing any of the following items of information and Any other adverse items of information other than Records of convictions of crimes which a the antedates the report by more than seven years 15usc 1681s-2 ( XXXX  ) A person shall not furnish any information relating to a consumer to any consumer reporting 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 2024-11-03 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: SC

Complaint narrative:
In accordance with the fair credit reporting act the list of accounts below has violated my federally protected consumer rights to privacy an confidentiality under 15 USC1681 XXXX XXXX XXXX, {$11000.00} XXXX XXXX, # acct XXXX, {$230.00} XXXX XXXX, acct # XXXX, {$13000.00} XXXXXXXX XXXX # acct XXXX XXXXXXXX XXXX  XXXX, {$190.00} XXXX  # acct XXXX {$120.00} XXXX  # XXXX {$7900.00} XXXX acct XXXX {$1000.00} XXXX XXXX XXXX # Acct XXXX {$730.00} XXXX XXXX # acct XXXX {$250.00} XXXX  XXXX Auto # acct XXXX {$19000.00} XXXX acct XXXX {$480.00} XXXX  # acct XXXX {$7900.00} XXXX XXXX # acct 1914 {$130.00} XXXX # acct XXXX {$480.00} XXXX XXXX # XXXX {$730.00} XXXX XXXX XXXX XXXX {$450.00} XXXX XXXX XXXX XXXX XXXX {$49.00} XXXX XXXX XXXX XXXX XXXX portfolio XXXX {$450.00} XXXX XXXXXXXX {$1400.00} has violated my rights 15 USC 1681 section 602 A states I have the right to privacy 15 USC 1681 section 604A section 2 also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1681c ( XXXX  ) section states no consumer reporting agency may make any consumer report containing any of the following items of information and Any other adverse items of information other than Records of convictions of crimes which a the antedates the report by more than seven years 15usc 1681s-2 ( XXXX  ) A person shall not furnish any information relating to a consumer to any consumer reporting 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 explanation
Consumer complaint received 2024-11-03 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Radius Global Solutions LLC
State: TX

Complaint narrative:
This company is violating my rights they have not provided information Under 12 CFR 1006.34 ( b ) ( XXXX ) yet they have placed a collection on my consumer report. I have made previous attempts to fix these issues directly with them and they are violating my rights and I am entitled to {$1000.00} for every violation I listed they either pay me or delete these accounts ASAP

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 2024-11-03 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Dear Consumer Financial Protection Bureau ( CFPB ), I am writing to formally submit a complaint regarding the conduct of XXXX, XXXX, and XXXX in relation to the reporting of a debt allegedly owed to Capital One and handled by a collection agency identified as XXXX 

Details of the Complaint : Unvalidated Debt Reporting : All three credit reporting agencies have reported a collection account associated with Capital One, despite my repeated requests for verification and validation of the debt. I have never signed any contract with Capital One that would establish this debt, yet it continues to appear on my credit report. 

Failure to Provide Documentation : Neither Capital One nor the collection agency, XXXX, has provided any documentation that validates the debt or proves my obligation to it. I have requested this documentation in compliance with my rights under the Fair Credit Reporting Act ( FCRA ), but my requests have been ignored or inadequately addressed. 
Paid Debt Without Validation : Although I have paid off the amount in question to resolve this issue, it is important to note that no contract or valid proof of debt was ever provided. This situation has unfairly impacted my credit report, leading to negative consequences for my financial standing and credit score.

Request for Action : I am requesting that the CFPB review this matter and take appropriate action to ensure : The immediate removal of the collection entry from my credit report by XXXX, XXXX, and XXXX due to their failure to validate the debt. 

An investigation into the practices of Capital One and XXXX concerning their compliance with debt validation requirements. 

Assurance that credit reporting agencies uphold their obligation to report only verifiable and accurate information.

This unresolved issue has caused undue stress and financial hardship, and I trust that the CFPB will address these concerns to uphold consumer rights and promote fair credit reporting practices. 

Thank you for your prompt attention to this matter. I look forward to your response and any guidance you can provide.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-03 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: FL

Complaint narrative:
XXXX XXXXXXXX XXXX is illegally reporting payment transactions on my XXXX credit report XXXX XXXX # XXXX Past due : 30 Days Date : XX/XX/year> XXXX Account # XXXX Past due : 60 Days Date : XX/XX/year> XXXX Account # XXXX Past due : 30 Days Date : XX/XX/year> XXXX Account # XXXX Past due : 60 Days Date : XX/XX/year> 2022

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 2024-11-03 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: FL

Complaint narrative:
XXXX  XXXX XXXX is illegally reporting payment transactions on my XXXX credit report XXXX XXXX # XXXX Past due : 30 Days Date : XX/XX/year> XXXX Account # XXXX Past due : 60 Days Date : XX/XX/year> XXXX Account # XXXX Past due : 30 Days Date : XX/XX/year> XXXX Account # XXXX Past due : 60 Days Date : XX/XX/year> 2022

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-03 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: CNG FINANCIAL CORPORATION
State: VA

Complaint narrative:
Monthly fee to keep account open unable to catch up and pay

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-03 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: TX

Complaint narrative:
I am writing to notify you of a serious issue concerning the compromise of my Social Security number. I am a victim of identity theft. I have reported this incident to the Federal Trade Commission, and a copy of the filed complaint is attached for your reference. I request that you immediately block and delete all fraudulent information from my credit report and provide me with an updated copy of the report. The following items were opened fraudulently and are not authorized by me : Accounts : ( XXXX XXXX, Account Number : XXXX ) ( XXXX, Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX, Account Number : XXXX ) ( XXXX XXXX XXXX, Account Number : XXXX ) ( XXXX, Account Number : XXXX ) ( XXXX XXXX, Account Number : XXXX ) ( XXXX, Account Number : XXXX ) ( XXXX XXXX, Account Number : XXXX ) ( XXXX XXXX XXXX, Account Number : XXXX ) Inquiries : ( XXXX  XX/XX/XXXX ) ( XXXX XX/XX/XXXX ) ( XXXX XX/XX/XXXX ) In accordance with FCRA 605B ( 15 U.S.C. 1681c-2 ), you are legally obligated to block and remove these fraudulent items within 4 BUSINESS DAYS of receiving this request. If you fail to act appropriately, I will be forced to pursue a small claims lawsuit against your agency. I will be seeking statutory damages of {$1000.00} for each violation, which may include but are not limited to the following : 1. Defamation of character 2. Negligent facilitation of identity fraud 3. Violations of the Fair Credit Reporting Act 4. Civil liability for negligent non-compliance ( 15 U.S.C. 1681o ) 5. Civil liability for willful non-compliance ( 15 U.S.C. 1681n ( b ) ) 6. Failure to comply with 15 U.S.C. 1692 ( g ) 7. Violations under 15 U.S.C. 1681b Permissible purposes of consumer reports 8. Violations of the method of verification ( 15 U.S.C. 1681i ( 7 ) ) 9. Right to privacy violations ( 15 U.S.C. 1681a ( 4 ) ) 10. Violations relating to the contents of consumer reports ( 15 U.S.C. 1681c ) I take this matter very seriously and demand immediate action to block and remove these fraudulent accounts from my report. I expect to receive an updated copy of my credit report sent to my address at no cost to me, as required by law. Additionally, I request that you notify any recipients of my credit report in the past six months of these corrections. 

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

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
Re : Cease and Desist Collection Activity To whom it may concern, I am writing to formally request that you cease all communication regarding the alleged debt associated with my account ending in XXXX reference ID : XXXX, effective immediately. 
Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request that you stop all further contact regarding this matter. I believe that the debt in question is inaccurate and/or not mine. 
Please consider this letter my official notice that you must cease all collection activities, including but not limited to phone calls, letters, and any form of communication. If you do not comply, I may consider taking legal action to protect my rights. 
I request that you confirm in writing that you have received this cease and desist request and that you will comply with my wishes. 
Thank you for your attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-03 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: LA

Complaint narrative:
On XX/XX/year> debt collector named Jefferson capital system have opened a collection account on my credit report in the amount {$810.00}. HAVE NOT SUPPLIED PROOF UNDER THE DOCTRINE OF ESTOPPEL BY SILENCE. 
XXXX. V GRAVENS ( MO ) XXXX XXXX, XXXX | PRESUME THAT PROOF OF THE ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT THEREFORE EXISTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-03 00:00:00
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Corp Solutions Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX bought a loan account from XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX 
It is stated on XXXX XXXX 's website, that they will default a loan 90 days after last payment. 

The partial promissory note that they attached to the filing against me is dated XX/XX/XXXX meaning the debt is over 7-8 years old. In Georgia promissory notes expire after 4 years, in rare occasions 6 years. In my case they only provided a promissory note and other documents that have been heavily redacted, specifically dates in the documents. I have made Credit Corp Solutions Lawyers aware that the Statute of limitation has passed due to it being over 8 years. Instead, they have filed two separate lawsuits using to different law firms within 5 months of each other. I have asked for the original, unredacted documents in both of my responses but they will not comply. After filing both lawsuits for the same exact thing, they continuously called my phone and sent mail to my parents ' house, after being told to stop. I have asked them to validate the loan multiple times. Each time I would not hear anything back. They have altered paperwork, because both filings are for the same thing, but different paperwork was presented, with altered names. After reading through the clause, they have to go through arbitration before any action. The last notice I got from a lawyer representing Credit Corp Soultion Inc stated that she would make all information available before the start of the trial. I am so tired of being harassed with " XXXX XXXX XXXX' tactics in an attempt to wear me down. Filing the same thing twice in court is an abuse of power. The way they call, mail, file multiple times with the court and have the sheriff come by to serve me every couple of months is enough to make a XXXX XXXX XXXX They are well aware that this account they purchased in XXXX has default date 90 days after the last payment which is over the time allowed by Georgia or Florida to file. This is just harassment at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-03 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: MOHELA
State: CT

Complaint narrative:
Mohela is not reporting the correct information they have 3 different errors that they are sending the credit bureaus on my consumer report in XXXX they show closed no debt XXXX  they put a different date from XXXX and it also still reporting an address that should not be on my consumer report XXXX XXXX XXXX i no long stay there

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation