vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-05 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: AL

Complaint narrative:
I asked for validation in the form of the purchase agreement or title of the debt because I have been contacted by multiple collectors. The amount that is supposedly owed is {$790.00} and it is being reported by XXXX XXXX. They did not respond, yet they are still reporting on 2 credit reports without a dispute notification. According to 15 USC 1692g this company must stop all collection activities, including reporting, until validation and proof of ownership of debt is provided. 

I have the same issues with XXXX XXXX XXXX in the amount of {$560.00} and XXXX XXXX XXXX in the amount of {$220.00}. 

All 3 received request for validation on or before XX/XX/year> via certified mail. I have attached a picture of the letters I sent to each collection agency, as well as the return receipt from the postal service showing that they were received. 

I have since filed a dispute with the credit reporting agency to no avail.

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 2025-01-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/year>, I saw what I believed was a fraudulent charge for {$35.00} from XXXX on my Chase bank card ending in XXXX, I disputed the charge with Chase. Chase closed my card ending in XXXX and I received a new card. A few days later found the charge was my daughter mistakenly using my card vs her card for the XXXX purchase. I then informed Chase the charge was not fraudulent. They reversed the fraudulent charge, recharging my account. 

Subsequently, I received a letter from XXXX dated XX/XX/year> that they were unable to recharge to my bank card XXXX ( because it had been closed by Chase ) and was advised to pay using another card. 

XXXX was given XXXX ending XXXX by my daughter to pay the {$35.00}. Chase then also paid the charge using my new bank card. XXXX has now charged {$35.00} to both my daughters XXXX and my Chase card. 

The {$35.00} was charged twice, once on the XXXX ending in XXXX and once on my closed bank card ending in XXXX. Since then, I filed another claim asking Chase to remove the {$35.00} charge without success. My daughter also has been talking to XXXX asking for a refunding of {$35.00} charge without success. 

Im asking Chase for a refund of {$35.00} to my account. 

XXXX XXXX XXXX XXXX XXXX. Apt XXXX XXXX, TX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: NC

Complaint narrative:
Is company is reporting in collections as an open account when they purchased it from original creditor it was closed by, when a debt buyer purchase account it should report closed or charged off, sent written validation letter certified mail and receipt to this company which I will provide the letter and everything that was sent to validate this collection is mine, they first sent a payment summary and that's not what the law states for validation that's just a summary, according to 1692g I'm waiting on my documents sent certified mail and receipt to you on XX/XX/year>, bc you have only supplied a payment summary to the cfpb and myself the first time I disputed this debt which doesn't belong to me, thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-05 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:
The 605B Dispute Letter is a formal communication used to dispute inaccuracies on your credit report, specifically Section 605B of the Fair Credit Reporting Act ( FCRA ). This section allows individuals who have fraudulent information removed from their credit report. 



[ Your Name ] XXXX XXXX XXXX [ Your Address ] XXXX XXXX XXXX XXXX [ City, State, ZIP Code ] XXXXXXXX XXXX XXXXXXXX [ Date ] XX/XX/year> [ Credit Reporting Agency Name ] Experian Subject : XXXX Dispute of Fraudulent Information To Whom It May Concern, I am writing to dispute inaccurate information on my credit report under Section 605B of the Fair Credit Reporting Act ( FCRA ). and the information listed below is a result of fraudulent activity and should be removed from my credit report immediately. 

The disputed information includes the following account ( s ) : 1. Creditors Name : XXXX XXXX XXXX  2. Account Number : XXXX according to FCRA section 605B is illegal to report information on the consumer report without permission from the consumer. Can you please remove this negative information thank you. 

Please investigate this matter and remove the fraudulent information from my credit report. I would appreciate a written confirmation of your receipt of this dispute and the actions taken to resolve it. 

Under Section 605B of the FCRA, you are required to block the reporting of the disputed information upon receiving my dispute and supporting documentation. If you have any questions or require further information, please contact me at the phone number or email address provided above. 

Thank you for your prompt attention to this matter. 

Sincerely, [ Your Name ] XXXX XXXX XXXX [ Your Signature ] 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 2025-01-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I did not apply for this loan. I am a victim of identity theft.

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 2025-01-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XX/XX/year>XXXX  I requested to get these hard inquires off my credit report that is hurting me I did not apply for credit and there where no contract of me signing for these inquiries

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 2025-01-05 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:
I recently reviewed my credit report and noticed an account that was not reporting accurately. I had two late payments on an account that I was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments. I've attached a copy of my report to this complaint on the following dates ( XX/XX/year> ). Im now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.

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 2025-01-05 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: John C. Heath, Attorney at Law, PLLC
State: SC

Complaint narrative:
Back in XXXX XXXX  There is a lawsuit on lexington law service company for charge costumer money and not doin there job. They pay back the costumers thru paychecks by mail

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-05 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: MI

Complaint narrative:
I received my credit report and notice it was not correct. I have XXXX XXXXate payments on XXXX of the accounts that was paid on time. The consumer reporting agencies need to report all information correct. This account has not been late on payments. Ive attached a copy of my report to this complaint on the following XX/XX/year> XX/XX/year> XX/XX/year>. Could you provide proof with records that I had late payments. If this information cant be verified I would like these payments to be updated to paid on time asap. 

Thanks

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 2025-01-05 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: TX

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following INQUIRIES. Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-01-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Upon reviewing my credit report, I was shocked to find this account listed as negative. However, after conducting thorough research, I discovered that this same account is not being reported as negative with other credit bureaus.

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 2025-01-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
To whom it may concern, Reviewing my credit report, I noticed multiple errors in the " personal information '' section. 
These inaccuracies have resulted in my inability to pass specific identity verification questions from creditors and companies. This has caused me undue stress and affected my ability to obtain credit. 
I ask that my personal information be listed as follows : Full Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, Texas XXXX Phone : XXXX Employer : XXXXXXXX XXXX XXXXXXXX and XXXX XXXX Please remove ALL personal information obtained, including variations and/or misspellings of my name and any address other than the one listed above. I have attached copies of my ID and my most recent utility bill, which verify my identity. 
I appreciate your cooperation in this matter, and I look forward to your response. 
Best Regards, 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 non-monetary relief
Consumer complaint received 2025-01-05 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: All State Credit Bureau, Inc.
State: MI

Complaint narrative:
There is a collection agency that retaliated against me because I keep disputing a collection account with the wrong amount. I sent the original documents into the credit bureaus, as well as the creditors, but they refuse to accept my documents and now the collection agency put a hard inquiries on my report in retaliation. I contacted the collection agency and the lady said she hit my credit because " you people don't pay your bills ''. I asked the credit bureaus to verify the amount and they keep reporting it as accurate. The actual creditors of the collection account has it reported as paid on my credit report but they refuse to remove it or update the amount. I have the original signed documents, and the collection agency only has a unsigned copy. The management company of the apartment says I don't owe anything so I'm not sure why this agency is still trying to collect on a debt I don't own, and insist on hitting my credit Everytime I dispute the collection account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Transunion XXXX XXXX # XXXX updated XX/XX/XXXX last payment XX/XX/XXXX. Current up to date asking for late payment XX/XX/XXXX be removed. I am currently in good standing with this company.US Dept of Education # partial acct Transunion XXXX Please remove fraudulent. One account already deleted due to Fraud. Last date updated XX/XX/XXXX. This is also a 3rd party creditor. I did not authorize. Transunion XXXX XXXX # XXXX to be removed it is charged off. Transunion XXXX XXXX # XXXX to be removed it is in collections 3rd party creditor. I did not authorize. According to the F.C.R.A.15 U.S.C ( a ) 4 states There is no need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality and respect for the consumers right to privacy.

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 2025-01-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A.
State: MO

Complaint narrative:
For CBNA Macys Acct # XXXX Identity, thieves have completely over-run my accounts and created situation where I may have to close my doors until further notice.

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 2025-01-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I am filing a formal complaint regarding inaccurate information on my credit report and the credit reporting agency 's failure to resolve my dispute properly. despite my attempts to address this matter directly with the credit reporting agency and/or the data furnisher, the issue remains unresolved. 
credit report agency : XXXX, XXXX, XXXX incorrect balance/ late payment incorrectly reported I previously submitted a credit dispute to XXXX XXXX XXXX XXXX XXXX with no response. this issue remains unresolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-05 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: MI

Complaint narrative:
Experian This is my second request to have these Accounts updated as PAID as agreed NOT reported as LATE payments. According to Congress Federal law fair credit report act 15 USC 160 8 1AN definition exclusions contract in civil my ability for willful noncompliance erase and discharge the line of credit and transactions experiences that show late payments payment history and new credit. This shall be excluded on consumer reports you also need to show original agreement with signed wet ink signature for the following accounts I never gave permission to report this. also violates 15 USC 160 81EB delete these late reported account accounts immediately. An update all of my consumer reports to paid as agreed XXXX XXXX XX/XX/2025. 
You have listed XXXX account number XXXX and XXXX XXXX  account number XXXX and XXXX XXXX  account number XXXX and XXXX XXXX account number XXXX reported late Update these today and send me a new credit report that has been updated. Thank you, 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 2025-01-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Southwest Credit Systems, L.P.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Asked the companies to share the info they had on theses reports and have not had any response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Asked the companies to share the info they had on theses reports and have not had any response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following INQUIRIES. Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-01-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
After experiencing extreme XXXX pain, my insurance company, XXXX, recommended The XXXX XXXXXXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ). On XX/XX/year> I went to dentist. After receiving my consultation, the dentist determined I needed XXXX XXXX  XXXX. The dentist recommended additional XXXX  XXXX, which I advised I would return at a later date to discuss. The dentist suggested I apply for a care credit card to cover the extra cost as insurance may not cover it. I did agree to apply for the credit card. The following month, I received a credit card charge of over {$6500.00}. Confused by the amount of the bill I contacted the dental office, the dentist advised me that I'was being charged for the anticipated treatment I needed, and I could return at any time to finish the service. I disputed the billing with the credit card company several times, as I don't believe I should pay for anticipated treatment. The credit card company ( Care Credit ) refunded {$4000.00} and left a balance of {$2400.00} that I am disputing. After research, I discovered the dental office billed both XXXX and the care credit card amost {$8000.00}. I only received a XXXX XXXX XXXX. I have contacted the dental office several times to obtain a detailed invoice of the charges billed and the service I received. These requests have been ignored. I have disputed the charges with the credit card company several times, and each time, my dispute was denied. Now, this is my final attempt at receiving some assistance with this matter. I am XXXX XXXX XXXX and retired, and on Medicare, I can not afford an {$8000.00} bill for treatment I never received. Also, with several disputes made to the credit card company, they said they sent out a resolution letter from mail but I have never received any. Please help!

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