vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-26 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: TX

Complaint narrative:
I want the accounts removed that are inaccurate 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 2025-01-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Servicing Solutions, LLC
State: TN

Complaint narrative:
In XXXX of XXXX  Servicing Solutions contacted me about a business account that was not mine- I immediately informed them of this and filled out an FTC.gov report and sent it to the email they provided ( XXXX ) on XXXX. I continued to get contacted by them every day multiple times per day- each agent had no idea of the situation and could not " locate '' the documents I had sent in each time. In XXXX of XXXX I was told I would be called back by a supervisor and sent email documents that I could fill out with further details of the dispute. These were never sent. The times I was able to answer the call it was either another agent oblivious of the situation or an automated system that would immediately hang up when I answered. I called again to request the documents in XXXX of XXXX still they did not send them but continue to automatically call me 2 times per day during work hours and late in the evening. I have received over XXXX calls from this company since XX/XX/year> and accomplished nothing. I'm uploading proof that they have been harassing me since XX/XX/year> without working on my dispute at all even though I was told I would be taken off the auto call list.This is absolutely absurd, illegal, harassment and in violation of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 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:
I hope this complaint finds you well. I have expressed myself numerous times over the years especially the past year to have EQUIFAX accurately verify this alleged account. I have sent proof of my entity, and I've also expressed that I have the capacity to overstand my federally protected rights. They claim that the information is accurate and valid but have yet to see any proof. They have NEVER provided me PROOF of ANY documentation of my red wet-ink signature, that show I gave them written or verbal instructions to furbish information on my credit file. EQUIFAX has successfully humiliated me. As a consumer under my federally protected rights, I have NOT given any company or persons written instructions or verbal permission to list these alleged accounts. THAT IS A VIOLATION ACCORDING TO 15 U.S.C 1681b. I will not keep putting up with these violations and will be seeking litigation in a small claims court against your company, seeking {$1000.00} for EACH violation for EACH month for DEFAMATION, NEGLIGENT ENABLEMENT OF IDENTITY FRAUD, VIOLATIONS FOR THE FAIR CREDIT REPORTING ACT, FINANCIAL INJURY, PENALTY OF PERJURY ( 18 USC 1028 AGGRAVATED IDENTITY THEFT ), VIOLATIONS OF 15 USC 1692g, 15 USC 1692a ( ABUSIVE PRACTICES ), 15 USC 1681b ( PERMISSIBLE PURPOSES OF CONSUMER REPORTS ), 15 USC 1681 4A B2 ( MISLEADING FALSE REPORTING ), 15 USC 1666b ( TIMING OF PAYMENTS ). I hope this issue can be resolved PROMPTLY!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-26 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HOVG, LLC
State: TN

Complaint narrative:
XX/XX/year> Re : Reporting a company listed as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX GA XXXX : Illegally reporting medical debit after being disputed. XXXX XXXX reported to of an unknown individual that is not my legal identity and insurance information. Collecting for 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 2025-01-27 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: MO

Complaint narrative:
XXXX Inquiries XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> Please Remove, .Ive mailed documents and called weeks ago. the person in spoke with said they would fall off report. 

These shouldn't be reporting on my personal credit..! ... They were submitted for business.! 

Thanks in advance for your 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
Consumer complaint received 2025-01-26 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: NCB Management Services Inc.
State: KY

Complaint narrative:
Re : Debt Validation Request To Whom It May Concern, I am writing in response to your recent communication regarding the alleged debt referenced above. Under the Fair Debt Collection Practices Act ( FDCPA ), I am exercising my right to request validation of this debt and the following documents to ensure the debts legitimacy and the accuracy of your claims : The Forward Flow Agreement The agreement between the original creditor and your company that grants you the right to collect on this debt. 
The Chain of Assignment A complete and verifiable record showing the transfer of ownership of the debt from the original creditor to your company, including all intermediate entities or individuals involved.

The Purchase Agreement A copy of the document ( s ) demonstrating that your company has legally purchased or otherwise acquired this debt from the original creditor or any previous holder. 
Insurance Claim of Debt If applicable, a record of any insurance claim made on this debt, including any payout received by the original creditor or by your company, as it pertains to the debt. 
My Signature Agreement to Pay A copy of any signed agreement or contract that reflects my explicit intention to repay this debt, if such an agreement exists. 
Accounting Records of the Debt A detailed statement of the account, showing the full breakdown of the balance owed, including the original amount, any interest, fees, or charges added, and the payment history, if applicable. 
Copy of Your License to Collect Debt As required by law, please provide a copy of your companys debt collection license for the jurisdiction in which you operate, as well as any other applicable licenses that allow you to collect on this debt. 
Please provide the above documents within 30 days of receipt of this letter, as required by the FDCPA. If you are unable to provide these documents or fail to validate the debt as requested, I expect this matter to be considered closed, and all collection activities related to this alleged debt should cease immediately. 

Should you fail to provide the requested documentation, I will consider this debt invalid and dispute any further attempts to collect on it. Furthermore, I request that you cease reporting this debt to any credit reporting agencies until the debt is fully validated and all supporting documentation is provided. 

Thank you for your cooperation. I look forward to your timely response. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: ID

Complaint narrative:
In my Bank of America checking account, my balance went from XXXX on XX/XX/year> to XXXX on XX/XX/year> back to XXXX on XX/XX/year> when my rent check cleared. My average balance is in the mid XXXX. 

I was charged a fee for the balance falling below {$1500.00}. I am not XXXX  enough to believe that actually costs Bank of America anything, and it is a sleazy, scummy fee practice that should be stopped.

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 2025-01-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
Credi Collection : As per my rights under the Fair Debt Collection Practices Act ( F.D.C.P.A. ), I humbly request that your agency provide valid proof of claim that I am legally obligated to pay the alleged debt. Additionally, I am requesting the following : The amount you claim I owe.

An explanation showing how the amount was computed.

Copies of any documents that prove I agreed to pay the alleged amount.

The identity of the original creditor.

Confirmation that the account has not exceeded the statute of limitations ( SOL ) period.

Evidence that Credit Collection is a licensed debt collector.

Evidence of Credit Collection license numbers and registered agent.

Additionally, I request that you remove any outdated or unreachable addresses and phone numbers from my credit profile. Please ensure that my name is updated to reflect the only name I go by, which is XXXX XXXX. 
Please be informed that if your agency or the creditor you represent has reported unverified account information to any of the major credit bureaus ( XXXX, XXXX, XXXX ), it constitutes a fraudulent action under both federal and state laws. If any negative item related to this account remains on my credit report without proper validation, I will be compelled to take legal action for the following violations : Violation of the Fair Credit Reporting Act ( F.C.R.A. ) Violation of the Fair Debt Collection Practices Act ( F.D.C.P.A. ) Defamation of character Unauthorized use of my copyrighted property

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: DISCOVER BANK
State: MI

Complaint narrative:
i have the right to all privacy fair credit act law you may not put anything on my credit report without my written response fair credit act law

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: SYNCHRONY FINANCIAL
State: WA

Complaint narrative:
Communication was asked for via their call center request for payment by PayPal, on several occasions I've since changed phones, I'd like to have call records to my phone by synchrony on behalf of XXXX, I was committed to setting up a agreement, but I need proof of purchase and what and how it was purchased? One thing I learned is the deceptive manner at time of using credit or direct payment, I primarily thought I was paying by bank account, statements were not by paper as they charge for this so I was XXXX at work, had XXXX XXXX XXXXk, XXXX  and XXXX  XXXX, I was XXXX  for several months under XXXX XXXX XXXX shortly after was divorced, I believe I was taken advantage of in my time of disparage, thus I sought help to figure out how, what, when debt occurred, I don't think this is unreasonable, especially being a XXXX  with XXXX XXXX. I've been with PayPal for years never had an issue, but increasingly upping interest rates make it impossible to pay initial loan, loan sharks come to mind?

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 2025-01-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: JPMORGAN CHASE & CO.
State: HI

Complaint narrative:
On XX/XX/year> I received an offer for a new credit card through USPS. The letter explained that I was pre-selected for a Chase Unlimited credit card and gave me two ways to apply either mail or online. I submitted the application online using the letters instructions the same day I received it in the mail. After submitting the application I received an inquiry on my credit report and Chase sent a follow up email saying they would be in touch with me soon. On XX/XX/year> I received another letter from Chase in the mail about the application. It informed me that they are concerned someone may be using my information fraudulently and declined the application and if the application is valid I needed to contact them at XXXX. On XX/XX/year> at XXXX XXXX I called the number provided to identify myself. I was asked to confirm my social security number which I did. The rep also asked me for the phone number I applied with which I provided as well. He offered to send a verification number by text then told me that my phone number is not eligible to receive the code. He told me to hang up and that he would call me to verify the phone number. I didn't receive a call back. That phone call lasted XXXX minutes. I called back again the same day at XXXX and the next rep asked me for the same information which I provided my name, social security number and my phone number. He offers to send another verification code by text or phone call. He told me that my phone number is not eligible to receive phone calls or text. I asked him why the phone number is not eligible if I applied with it and he told me that I will have to visit a chase branch to complete the verification. There is no branches in Hawaii. I received a hard inquiry on my credit for an application they sent me to my address.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am writing to formally dispute the reporting of an account on my credit report that was originally owned by XXXX. 

According to my records, this account was sold by XXXX to a debt collection agency. Despite this transfer, XXXX is still reporting this account as being owned by your institution, which is both inaccurate and misleading. 

Under the Fair Credit Reporting Act ( FCRA ), creditors and furnishers of credit information are required to report accurate and up-to-date information to credit reporting agencies. In this case, the reporting of this account as owned by XXXX is incorrect because the debt was sold to another entity.

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 2025-01-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am writing to formally dispute the reporting of an account on my credit report that was originally owned by XXXX. 

According to my records, this account was sold by XXXX to a debt collection agency. Despite this transfer, XXXX is still reporting this account as being owned by your institution, which is both inaccurate and misleading. 

Under the Fair Credit Reporting Act ( FCRA ), creditors and furnishers of credit information are required to report accurate and up-to-date information to credit reporting agencies. In this case, the reporting of this account as owned by XXXX is incorrect because the debt was sold to another entity.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: OLD NATIONAL BANCORP
State: IL

Complaint narrative:
I received a XXXX payment of {$400.00} and it was accused of fraud. Although I dont believe it to be fraud because I know the sender also due to situation my bank account that I had since I was XXXX XXXX XXXX, was terminated and closed out which affected my checking and banking account. I am also a wheelchair user person with a XXXX I have never been associated with or did any fraud in my life. This account being closed affects my personal life. This bank is my local bank, and I would like to remain a member of this branch.

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 2025-01-27 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: TX

Complaint narrative:
TransUnion has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. TransUnion has failed to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where TransUnion has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as TransUnion 's inaction violates federal law and my rights as a consumer.

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 2025-01-27 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
Experian - XX/XX/XXXX Lawsuit filed for improper investigations of consumer reports. difficulties disputing inaccurate information on my credit report. Delayed responses and failed disputes with continual erroneous information on my credit report. - Disputed all collections and amounts with minimal communication from bureau. 

Inaccuracies via collections with inaccurate dates and amounts. Inaccurate addresses, lack of proper communication. Inadequate investigations of disputes. 
Collections inaccurate with no verifiable consumer contracts on file. Please seek immediate removal. 


XXXX - Inaccuracies via collections with inaccurate dates and amounts. Inaccurate addresses, lack of proper communication. Inadequate investigations of disputes. 
Collections inaccurate with no verifiable consumer contracts on file. Please seek immediate removal. Disputed all collections and amounts with minimal communication from bureau. 

XXXX - Inaccuracies via collections with inaccurate dates and amounts. Inaccurate addresses, lack of proper communication. Inadequate investigations of disputes. 
Collections inaccurate with no verifiable consumer contracts on file. Please seek immediate removal. Disputed all collections and amounts with minimal communication from bureau.

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