vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-25 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: HI

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX* Date Opened : XXXX Balance Owed : {$0.00} Chargeoff XXXX XXXX XXXX Date Opened : XXXX Balance Owed : {$0.00} Chargeoff

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 2024-12-25 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: CLGF Holdco 1, LLC
State: TX

Complaint narrative:
Despite providing documented proof of fraudulent credit card accounts on my credit report, including police reports and relevant correspondence, the credit bureaus has failed to remove these inaccuracies as required under the Fair Credit Reporting Act. I provided documentation proving that this account was fraudulently opened, yet XXXX XXXX and Indigo Bank has failed to remove it from my record. As an XXXX XXXX member, this neglect violates protections under the Servicemembers Civil Relief Act ( SCRA ). I request immediate action to remove these accounts. I have not only provided the required reports for removal I have also been stationed in Texas for XXXX  years and was XXXX XXXX  XXXX XXXX for the XXXX year in XXXX! I serve this country with my life yet these companies have no issues making it abhorrently hard to remove information as the are required to do my law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-25 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: TX

Complaint narrative:
Despite providing documented proof of fraudulent credit card accounts on my credit report, including police reports and relevant correspondence, the credit bureaus has failed to remove these inaccuracies as required under the Fair Credit Reporting Act. I provided documentation proving that this account was fraudulently opened, yet XXXX XXXX and XXXX XXXX  has failed to remove it from my record. As an XXXX XXXX member, this neglect violates protections under the Servicemembers Civil Relief Act ( SCRA ). I request immediate action to remove these accounts. I have not only provided the required reports for removal I have also been stationed in Texas for XXXX years and was XXXX XXXX XXXX XXXX for the XXXX year in XXXX! I serve this country with my life yet these companies have no issues making it abhorrently hard to remove information as the are required to do my law.

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 2024-12-25 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: IL

Complaint narrative:
I am disputing an inaccurate item on my Experian credit report under the Fair Credit Reporting Act ( FCRA ). The account from XXXX XXXX XXXX Account number:XXXX  is reported in collections for several months, which I believe is inaccurate and unverifiable. Under FCRA 609 and 611, I have the right to accurate and verifiable reporting, and this account must be corrected or removed if it can not be substantiated within 30 days. This misreporting is negatively affecting my credit, and I demand that the item be investigated and removed immediately if found unverifiable. Please confirm receipt of this dispute and provide a resolution within the legally required timeframe.

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 2024-12-25 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: NY

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 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 2024-12-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
This letter serves as a formal notice under the Fair Debt Collection Practices Act ( FDCPA ) and specifically 15 U.S.C. 1692c ( c ), requiring you to cease all communication with me regarding the alleged debt associated with the account. In the amount of {$1100.00} As stated under 15 U.S.C. 1692c ( c ), once you receive this written notice, you are legally obligated to stop all communication with me concerning this matter, except to : Notify me that your further collection efforts have been terminated ; Inform me of any specified remedies that may be invoked by you or the original creditor ; or Notify me of your intent to invoke a specified remedy.

Furthermore, I am formally notifying you that I consider any updates to my credit report as a form of indirect communication regarding this account. If you continue to report, update, or otherwise communicate through credit reporting agencies, I will consider this a violation of the FDCPA.

If this account is in dispute, I reserve the right to validate or challenge its accuracy, and I expect all collection activity to be suspended as per applicable laws. Any further communication with me outside the outlined exceptions or continued reporting on my credit report will result in formal complaints filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and legal action if necessary.

Please confirm in writing within 14 days of receiving this letter that you have complied with my request to cease all communication and activity related to this account.

You may only contact me to provide the requested confirmation or if legally required to inform me of one of the exceptions noted above. 

Sincerely, 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 2024-12-25 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: MS

Complaint narrative:
This letter serves as a formal notice under the Fair Debt Collection Practices Act ( FDCPA ) and specifically 15 U.S.C. 1692c ( c ), requiring you to cease all communication with me regarding the alleged debt associated with the account. In the amount of {$1100.00} As stated under 15 U.S.C. 1692c ( c ), once you receive this written notice, you are legally obligated to stop all communication with me concerning this matter, except to : Notify me that your further collection efforts have been terminated ; Inform me of any specified remedies that may be invoked by you or the original creditor ; or Notify me of your intent to invoke a specified remedy. 
Furthermore, I am formally notifying you that I consider any updates to my credit report as a form of indirect communication regarding this account. If you continue to report, update, or otherwise communicate through credit reporting agencies, I will consider this a violation of the FDCPA. 

If this account is in dispute, I reserve the right to validate or challenge its accuracy, and I expect all collection activity to be suspended as per applicable laws. Any further communication with me outside the outlined exceptions or continued reporting on my credit report will result in formal complaints filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and legal action if necessary. 

Please confirm in writing within 14 days of receiving this letter that you have complied with my request to cease all communication and activity related to this account. 

You may only contact me to provide the requested confirmation or if legally required to inform me of one of the exceptions noted above. 

Sincerely, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Skrill USA, Inc.
State: AK

Complaint narrative:
Skrill will not let me transfer out my {$2500.00} or use my Virtual Skrill Visa card. Every transaction is being declined when I have not reached my spending limit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I am writing to formally complain about recurring issues regarding Citibank 's credit card fraud alert system and the subsequent handling of such cases. 

Despite my diligent efforts to notify Citibank in advance of my travel by placing a travel notice across all of my accounts, my credit card is regularly flagged for fraud, leading to unwarranted freezes on transactions. This repeated failure of their systems to account for travel notices is both inaccurate and disruptive. 

To compound the issue, the contact number provided to resolve such consistently routes me to overseas call centers. While I respect and value diversity, the staff in these centers frequently have limited proficiency in English and heavy accents, which severely hampers effective communication. This adds unnecessary frustration to an already inconvenient situation. 

The most troubling aspect, however, is that these call centers are often closed or otherwise unreachable when needed. The lack of alternative methods to confirm activity or contact Citibank support in such cases is unacceptable and leaves customers stranded without access to critical funds.

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 2024-12-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
Dear CFPB, I am filing a formal complaint against Synchrony Banks XXXX for unauthorized charges and account mismanagement. 

We used XXXX for a XXXX interest-free automated payment plan with our veterinarian to XXXX XXXX XXXX XXXX XXXX XXXXXXXX. All payments were processed automatically through Synchrony Banks system, and we made the final payment on XX/XX/XXXX. After completing the last payment, we discovered an unexplained balance of {$230.00}. 

When we contacted CareCredit, we were informed that this balance was due to a Card Security fee. This fee was neither disclosed during the application process nor explained afterward. We were not informed of its purpose or calculation. The card was used exclusively by the veterinarian, and all payments followed Synchrony Banks automated schedule. We neither authorized nor knowingly agreed to this fee. 

To resolve the issue, I contacted customer service multiple times, engaged in live chats, and was transferred repeatedly between the credit card and " Card Security '' departments. Despite these efforts, no one provided a clear explanation for the charges. 

I was assured by several representatives that the {$230.00} charge was under review and that no interest or penalties would accrue during the process. Yet, on XX/XX/XXXX, we were charged an additional {$450.00}, with claims that the balance was unpaid. This is absurdwe had set up automatic payments to ensure all balances were paid on time, but this unexplained Card Security fee caused Synchrony Bank to violate the terms of the 6-month interest-free program. 

This reflects serious mismanagement : 1. Lack of transparency : The Card Security fee was never disclosed or explained. 
2. Failure of automated payment handling : The charges contradict the agreed plan. 
3. Conflicting information : Charges were applied despite assurances. 
4. Customer service failure : Multiple representatives failed to resolve the issue. 

I fulfilled my obligations in good faith and trusted their system. I expect a prompt resolution of this issue or will escalate further to protect my consumer rights. 

Sincerely,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-12-25 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Paypal Holdings, Inc
State: OK

Complaint narrative:
I received my XXXX settlement well part of it XXXX XXXX a month ago and I was pretty exited although the payment was sent in XXXX and I never would have know if I didnt look back on my spam emails called Venmo prob over XXXX times in the last month at first they couldnt find my payment then finally I figured out why it was my same account but my old number weird that they couldnt find it even though it was my same account finally got a sum of over XXXX a XXXX XXXX XXXX XXXX XXXX XXXX few weeks XXXX XXXXXXXX and they made it so hard to use the money or even get it out what I did get out I didnt get to finish my XXXX shopping and they kept saying the same thing respond to the email and would freeze my account for things they were telling me to do send me to multiple atms I dont live near told I live an hour away from everything they sent me everyday for about 2 weeks telling me we made an sdjustment it should work now go try again and never did I purchased a few things online but I had to repeatedly try and half the time it would work and the times when I really needed it to it wouldnt still didnt get half of my XXXX  XXXX XXXX now there saying my account if suspended due to me violating the privacy policy but can not let me know what I did to violate it spent over 6 hours on the phone with them and thats in less than 7 days did everything they told me to now they are holding my funds for 180 days for lost prevention purposes and will let me know in the future if and when I will be able to access the {$1500.00} thats left in my account its wrong and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX dealing with them literally just got out of the hospital and I believe it was from all the unless asset stress they put me through

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-12-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
Has not remove the negative items on my credit report. The balance should be reported as XXXX and updated to reflect GAAP compliance. The trustee is over the account to set off and balance the book, book entry asset backed securities. The account is not being reflected on the book. Debit and credit side supposed to be balanced for tax purposes per IRS.

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 2024-12-25 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: EQUIFAX, INC.
State: SC

Complaint narrative:
Has not remove the negative items on my credit report. The balance should be reported as XXXX and updated to reflect GAAP compliance. The trustee is over the account to set off and balance the book, book entry asset backed securities. The account is not being reflected on the book. Debit and credit side supposed to be balanced for tax purposes per IRS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-25 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: SC

Complaint narrative:
Has not remove the negative items on my credit report. The balance should be reported as XXXX and updated to reflect GAAP compliance. The trustee is over the account to set off and balance the book, book entry asset backed securities. The account is not being reflected on the book. Debit and credit side supposed to be balanced for tax purposes per IRS.

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 2024-12-25 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:
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 XXXX  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 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 2024-12-25 00:00:00
Product: Debt collection — Rental debt
Issue: Communication tactics — Frequent or repeated calls
Company: HW Holding, Inc
State: CA

Complaint narrative:
I am filing a formal complaint against Hunter Warfield for violating the Fair Debt Collection Practices Act ( FDCPA ) by excessively and unlawfully contacting me. 
Between XX/XX/XXXX and XX/XX/XXXX, they contacted me eight times : XX/XX/XXXX : Contacted twice. XX/XX/XXXX : Contacted once.XX/XX/XXXX : Contacted five times. Under the FDCPA, debt collectors can not contact consumers more than seven times within seven consecutive days, making this a clear violation of federal law. Furthermore, the excessive contacting has not stopped since this period, adding ongoing stress and inconvenience. This is not my first time submitting a complaint about Hunter Warfield, and I strongly urge the CFPB to thoroughly investigate their communication practices. I also request that this debt be removed from my credit report due to their repeated noncompliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-25 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: NV

Complaint narrative:
XXXX XXXX refused to accept rent payments via cashier checks. 
USPS records show refusal to accept mail. 
Legal counsel of XXXX XXXX XXXX is in posession of copies submitted at time of payment including postal service tracking. 
XXXX XXXX refuses to refund security deposit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BELMONT FINANCE LLC
State: TX

Complaint narrative:
This is a collections agency thats the only people who have ever called i have no idea i dont live at the address they gave me over the phone and i darn sure dont know what their talking about however it is in my credit report.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-25 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: NY

Complaint narrative:
I recently reviewed a copy of my credit report and noticed i had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit. These accounts i don't recognize nor authorize them and are being reported by a third party.

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