vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: KEYCORP
State: OH

Complaint narrative:
XX/XX/year> {$60.00} sent XX/XX/year> XXXX $ sent XX/XX/year> XXXX sent Three unauthorized payments through XXXX XXXX went through my account. Here are the amounts and dates for each of them. I submitted a chargeback under unauthorized transactions through KeyBank my bank and initially gave me my funds back, but ultimately deemed that it was not necessary to refund me my money for an unauthorized transaction due to whatever reason, but it was not me who made these payments so I dont understand why they didnt just return me my money when it was clearly fraud or unauthorized transaction, I sent the money from my debit card attached to the Apple Pay that I have with KeyBank. I had noticed later in the day that these payments were made, and I immediately charge them back and they told me I would get my money back, but I got the letter today saying that theyre taking the money back.

Company response to consumer: Closed with monetary relief
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Credit billing dispute submitted and XXXX letters to CEO and creditor directly.Follow up calls placed to creditor for open account that has been in good standing since XX/XX/year>. I was told a response would be provided in XXXX after submission and have not received any results or update on my account. 
I did not consent to this being reported on my consumer report. Anything being reported needs to be consented by the consumer. After recently pulling a copy of my credit report, I was shocked by what I discovered. I noticed there were late payments that are reporting on my credit report that 100 % SHOULD NOT be being reported on my credit report. I would like this to be rectified. I was not properly notified according to 1637b of this title is mailed or delivered to the consumer not later than 21 days before the payment due date prior to late payments being furnished to XXXX, Transunion and XXXX. 
( Please see attached )

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: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Credit billing dispute submitted and XXXX letters to CEO and creditor directly.Follow up calls placed to creditor for open account that has been in good standing since XX/XX/year>. I was told a response would be provided in XXXX after submission and have not received any results or update on my account. 
I did not consent to this being reported on my consumer report. Anything being reported needs to be consented by the consumer. After recently pulling a copy of my credit report, I was shocked by what I discovered. I noticed there were late payments that are reporting on my credit report that 100 % SHOULD NOT be being reported on my credit report. I would like this to be rectified. I was not properly notified according to 1637b of this title is mailed or delivered to the consumer not later than 21 days before the payment due date prior to late payments being furnished to XXXX, XXXX and Equifax. 
( Please see attached )

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: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Credit billing dispute submitted and XXXX letters to CEO and creditor directly.Follow up calls placed to creditor for open account that has been in good standing since XX/XX/year>. I was told a response would be provided in XXXX after submission and have not received any results or update on my account. 
I did not consent to this being reported on my consumer report. Anything being reported needs to be consented by the consumer. After recently pulling a copy of my credit report, I was shocked by what I discovered. I noticed there were late payments that are reporting on my credit report that 100 % SHOULD NOT be being reported on my credit report. I would like this to be rectified. I was not properly notified according to 1637b of this title is mailed or delivered to the consumer not later than 21 days before the payment due date prior to late payments being furnished to Experian, XXXX and XXXX. 
( Please see attached )

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: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent account on my report. I want the fraudulent account to be removed from my report immediately because they hurt my ability to obtain credit.

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: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent account on my report. I want the fraudulent account to be removed from my report immediately because they hurt my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-04 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:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2024-11-04 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
XXXX, SYNCD ASHLEY, SYNCB LOWS XXXX XXXX XX/XX/XXXX To Whom it may concern, This letter is a formal complaint that you are reporting inaccurate, fraudulent and incomplete credit information. 



I am distressed that you have included fraudulent information in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit information you provide to credit bureaus. Credit reporting laws ensure that companies only report 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate. The following information therefore needs to be re-investigated and removed as the charges associated with the listed accounts are fraudulent and I have duly conveyed this to XXXX, SYNCD ASHLEY, SYNCB LOWS via letters, documents, recorded phone calls, that I also have recorded. 

XXXX, SYNCD ASHLEY, SYNCB LOWS is in clear violation of FCRA and FDCPA laws, which states that all collection activities must halt for any accounts that are in dispute. However, I am still being harassed by phone calls, letters, and civil summons by you and your collection agent, XXXX, SYNCD ASHLEY, SYNCB LOWS. I have listed the following accounts which were fraudulently used to incur charges and several of them, if not all, that my bookkeeper unknowingly made payments from my bank account for which I want reimbursed. ( See below ). 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SYNCD ASHLEY XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SYNCB LOWES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am urging you to remove, delete, clear all of these accounts from my credit report effective immediately. 

Thank you.

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 2024-11-04 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
XXXX, SYNCD ASHLEY, SYNCB LOWS XXXX XXXX XX/XX/XXXX To Whom it may concern, This letter is a formal complaint that you are reporting inaccurate, fraudulent and incomplete credit information. 



I am distressed that you have included fraudulent information in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit information you provide to credit bureaus. Credit reporting laws ensure that companies only report 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate. The following information therefore needs to be re-investigated and removed as the charges associated with the listed accounts are fraudulent and I have duly conveyed this to XXXX, SYNCD ASHLEY, SYNCB LOWS via letters, documents, recorded phone calls, that I also have recorded. 

XXXX, SYNCD ASHLEY, SYNCB LOWS is in clear violation of FCRA and FDCPA laws, which states that all collection activities must halt for any accounts that are in dispute. However, I am still being harassed by phone calls, letters, and civil summons by you and your collection agent, XXXX, SYNCD ASHLEY, SYNCB LOWS. I have listed the following accounts which were fraudulently used to incur charges and several of them, if not all, that my bookkeeper unknowingly made payments from my bank account for which I want reimbursed. ( See below ). 

XXXX XXXX # XXXX DATE OPENED : XX/XX/XXXX BALANCE {$680.00} SYNCD ASHLEY XXXX XXXX XXXX # XXXX DATE OPENED XX/XX/XXXX BALANCE {$5900.00} SYNCB LOWES XXXX # XXXX DATE OPENED XX/XX/XXXX BALANCE {$8400.00} I am urging you to remove, delete, clear all of these accounts from my credit report effective immediately. 

Thank you.

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 card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: DISCOVER BANK
State: MD

Complaint narrative:
This account is a result of identity theft. i never opened this account or gave anyone permission to use my name.

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:
I am writing to formally dispute the validity of the debt associated with the account referenced above. This dispute is filed under my rights as outlined in the Fair Debt Collection Practices Act ( 15 USC 1692 ) and the Fair Credit Reporting Act ( 15 USC 1681a ). Specifically : 1. **Dispute Under 15 USC 1692** : I am disputing the debt in its entirety and request that you provide validation of this debt as required by 15 USC 1692 ( g ). Please provide documentation that confirms the amount of the debt, the original creditor, and that I am indeed liable for this debt. Until such validation is provided, I expect that all collection activities will cease. 2. **Dispute Under 15 USC 1681a** : Additionally, if this account has been reported to any credit reporting agencies, I am disputing the accuracy and completeness of the information being reported under 15 USC 1681i . Please initiate a reinvestigation of this matter and correct or remove any incorrect, incomplete, or unverifiable information from my credit report.

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: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with non-monetary relief
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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
15 U.S.C. S 1692c ( b ) : a debt collector my not communicate, in connection of any debt, with any person other than the consumer, their attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector "

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: IL

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with 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: IL

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

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-04 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: IL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by the silence Engelhardt. v Gravens ( mo ) XXXX XXXX | presume that no proof of the alleged debt. Nor therefore any such debt in fact therefore exists. ( Please remove this account before I seek litigation for defamation of character ). 
XXXXXXXX XXXX XXXXXXXX. {$29000.00}, XXXX XXXX. {$1900.00}, XXXX XXXX. {$3000.00}, XXXX XXXX. {$11000.00}, XXXX XXXX XXXX XXXX. {$370.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: SYNCHRONY FINANCIAL
State: MN

Complaint narrative:
On XX/XX/year>, I visited XXXX XXXX XXXX for a consultation regarding XXXX treatment. During this appointment, I was presented with a laser treatment plan costing {$2200.00}. As I could not afford this amount, XXXX informed me about an interest-free payment plan through CareCredit. She instructed me to sign documents related to this plan, assuring me that I had the right to cancel after the consultation. 
Following a brief XXXX minute laser free consultation treatment, I experienced a XXXX breakout, which led me to decide against proceeding with the treatment. I immediately contacted XXXX and requested to cancel any arrangements. She confirmed the cancellation.However, to my shock, I later received a notice from CareCredit stating that an account had been opened in my name whcih shocked me because XXXX claimed she didnt recieve anything and that it was canceled. THIS IS COMPLETELY FRAUD, IM REQUESTING PROOF OF SERVICE AND A CONTRACT WITH MY SIGNATURE.

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 2024-11-04 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: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
NORDSTROMTDBANKUSA, XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX To Whom it may concern, This letter is a formal complaint that you are reporting inaccurate, fraudulent and incomplete credit information.

I am distressed that you have included fraudulent information in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit information you provide to credit bureaus. Credit reporting laws ensure that companies only report 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate. The following information therefore needs to be re-investigated and removed as the charges associated with the listed accounts are fraudulent and I have duly conveyed this to NORDSTROMTDBANKUSA, XXXX XXXX, XXXX XXXX  via letters, documents, recorded phone calls, that I also have recorded. 

NORDSTROMTDBANKUSA, XXXX XXXX, XXXX XXXX is in clear violation of FCRA and FDCPA laws, which states that all collection activities must halt for any accounts that are in dispute. However, I am still being harassed by phone calls, letters, and civil summons by you and your collection agent, NORDSTROMTDBANKUSA, XXXX XXXX, XXXX XXXX. I have listed the following accounts which were fraudulently used to incur charges and several of them, if not all, that my bookkeeper unknowingly made payments from my bank account for which I want reimbursed. ( See below ).

NORDSTROMTDBANKUSA ACC # XXXX DATE OPENED : XX/XX/XXXX BALANCE {$680.00} XXXX XXXX XXXX XXXX XXXX # XXXX DATE OPENED XX/XX/XXXX BALANCE {$5900.00} XXXX XXXX XXXX # XXXX DATE OPENED XX/XX/XXXX BALANCE {$8400.00} I am urging you to remove, delete, clear all of these accounts from my credit report effective immediately. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-04 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: MI

Complaint narrative:
My credit report has certain accounts that I'm not familiar with. Since I never gave them permission, they could be the product of identity theft. Having previously discussed this with you, I'm writing to request that these accounts be promptly deleted from my report in compliance with the Fair Credit Reporting Act ( FCRA ), which mandates that credit bureaus rectify erroneous information on consumer credit reports. These accounts have caused me stress because they are on my report. It's been difficult to deal with the impact because they don't represent my financial responsibility or credit history. I'm ready to take legal action to protect my rights and find a solution under the FCRA if we can't work this out. The inaccurate items that appear on my credit report have been a big obstacle for me. They're getting in the way of my important financial goals, like buying a house and taking care of my family. I hope we can resolve this issue quickly.

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 2024-11-04 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: CA

Complaint narrative:
15 U.S.C. S 1692c ( b ) : a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, their attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector. "

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-04 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ProCollect, Inc.
State: CA

Complaint narrative:
Procollect , INC XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/year> Amount : {$2400.00} According to 15 U.S.Code 1692c ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor ; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy. 
If such notice from the consumer is made by mail, notification shall be complete upon receipt.

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