vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-09 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
On XX/XX/XXXX I received a called from Chase of a fraudulent transaction on XXXX. I logged into my account and saw the transaction prior to Chase denying the transfer. The scammers had me transfer {$4000.00} and I realized it was a scam. I called Chase and asked to deny the transfer since someone had hacked into my account. They said they would try. I received a letter from Chase on 12, 30 that request was denied. I believe they should have been able to stop the transfer since I called in less than a hour.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: NV

Complaint narrative:
I am writing to file a formal complaint against Radius Global Solutions LLC for violations of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). Radius Global Solutions LLC is reporting an account on my credit report that I dispute, and they have failed to validate the alleged debt as required by federal law. 

Details of the Complaint : Failure to Validate Debt : Under 15 U.S.C. 1692g of the FDCPA, consumers have the right to request validation of alleged debts. I have requested that Radius Global Solutions LLC validate the debt by providing documentation that verifies its legitimacy, including proof of the original agreement, the amount owed, and evidence linking the debt to me. To date, they have not provided sufficient validation of this debt, violating federal regulations. 

Improper Credit Reporting : Radius Global Solutions LLC continues to report this disputed and unvalidated debt to the three major credit bureaus ( XXXX, XXXX, and XXXX ). This is a violation of 15 U.S.C. 1681s-2 of the FCRA, which requires furnishers of information to ensure the accuracy and integrity of the data they report. Reporting a debt without validation constitutes inaccurate and misleading reporting. 

Harm Caused : T

he improper reporting of this unvalidated debt has negatively affected my credit score and financial standing, causing undue stress and limiting my access to credit opportunities. Relief Requested : I request that Radius Global So
lutions LLC immediately validate the debt in compliance with the FDCPA. This includes providing detailed documentation verifying the debt, identifying the original creditor, and confirming the amount owed. 

If the debt can not be validated, I request the immediate removal of the account from all three major credit bureaus. 

I request written confirmation from Radius Global Solutions LLC stating that the account has been removed or, if validated, providing all supporting documentation. 

Proposed Resolution : To resolve this issue, Radius Global Solutions LLC must comply with federal laws by either validating the debt or removing the account from my credit reports. Failure to address this matter appropriately may result in additional complaints to the Federal Trade Commission ( FTC ) and potential legal action to protect my rights under the FDCPA and FCRA. 

I kindly request that the Consumer Financial Protection Bureau ( CFPB ) investigate this matter and ensure that Radius Global Solutions LLC adheres to all laws governing debt collection and credit reporting. 

Thank you for your prompt attention to this matter.

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 2025-01-09 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: Paypal Holdings, Inc
State: TX

Complaint narrative:
I tried to cancel a order for hair treatment shampoo and instead of canceling I was sent three shipments of product charged three times on my Pay Pal account that I did not order. In the process of canceling they processed as a order. I followed their instructions that was meant for all three charges. They only addressed one charge and not the other two. I called them and they could only hear my comment as one of the orders. I can't understand why they couldn't listen to my request and follow through. 

Transaction Details Case number XXXX Seller 's name XXXX XXXX XXXX Transaction amount {$180.00} XXXX XXXX date XX/XX/year> Your transaction ID XXXX and these extras not address in the above. 
XXXX XXXX total of {$350.00} Pay Pal denied my request to enforce XXXX XXXX XXXX to send me a return label. I have been forced to except 115 bottles of hair shampoo that I thought was canceled but instead landed on my front door landing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

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 2025-01-09 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: WI

Complaint narrative:
On XX/XX/year>, I submitted a dispute letter to Experian via their online portal, requesting an investigation into inaccurate items listed on my credit report. Along with my dispute letter, I provided all necessary identification documents to verify my identity, including copy of my photo ID, social security card, and a recent paystub displaying my current address In my dispute letter, I explicitly requested the following information from Experian regarding the verification process : Details on how the disputed item was verified. 
The date when Experian contacted the creditor and furnisher. 
Contact information for the creditor and furnisher. 
The name of the individual who verified the item. 
The method of communication used to verify the disputed information ( e.g., phone, email, mail ).

Confirmation on whether the creditor and furnisher provided any sensitive personal information, such as my Social Sec

urity Number, address, and date of birth during the verification process. Despite providing all the necessary documentation and
clearly outlining my concerns, I have not received any results or updates from Experian regarding my dispute. It has been over 30 days since my submission, and Experian has failed to communicate any resolution or progress. 
According to the Fair Credit Reporting Act ( FCRA ), credit bureaus are legally required to conduct a reasonable investigation when a consumer disputes the completeness or accuracy of information on their credit report. Experian 's lack of response and failure to act on my dispute constitutes a clear violation of my rights under the FCRA. 
I am including a copy of my dispute letter sent to Experian as proof.

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 2025-01-09 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Problem with customer service — 
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
My Experian credit APP has been hacked and my information has been compromised due to Experians lack of proper members information security.

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 2025-01-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: V and H Portfolio
State: NV

Complaint narrative:
I am writing to file a formal complaint against Vance Huffman LLC for violations of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). Vance Huffman LLC is reporting an account on my credit report that I dispute, and they have failed to validate the alleged debt as required by federal law. 

Details of the Complaint : Failure to Validate Debt : Under 15 U.S.C. 1692g of the FDCPA, consumers have the right to request validation of alleged debts. I have requested that Vance Huffman LLC validate the debt by providing documentation that verifies its legitimacy, including proof of the original agreement, the amount owed, and evidence linking the debt to me. To date, they have not provided sufficient validation of this debt, violating federal regulations. 

Improper Credit Reporting : Vance Huffman LLC continues to report this disputed and unvalidated debt to the three major credit bureaus ( XXXX, XXXX, and XXXX ). This is a violation of 15 U.S.C. 1681s-2 of the FCRA, which requires furnishers of information to ensure the accuracy and integrity of the data they report. Reporting a debt without validation constitutes inaccurate and misleading reporting. 

Harm Cause

d : The improper reporting of this unvalidated debt has negatively affected my credit score and financial standing, causing undue stress and limiting my access to credit opportunities. Relief Requested : I request that Vance Huffman LLC immediately validat
e the debt in compliance with the FDCPA. This includes providing detailed documentation verifying the debt, identifying the original creditor, and confirming the amount owed. 

If the debt can not be validated, I request the immediate removal of the account from all three major credit bureaus. 

I request written confirmation from Vance Huffman LLC stating that the account has been removed or, if validated, providing all supporting documentation. 

Proposed Resolution : To resolve this issue, Vance Huffman LLC must comply with federal laws by either validating the debt or removing the account from my credit reports. Failure to address this matter appropriately may result in additional complaints to the Federal Trade Commission ( FTC ) and potential legal action to protect my rights under the FDCPA and FCRA. 

I kindly request that the Consumer Financial Protection Bureau ( CFPB ) investigate this matter and ensure that Vance Huffman LLC adheres to all laws governing debt collection and credit reporting. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 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.

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

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 2025-01-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I received a call from Citibank XXXX department which was actually from a scammer at XXXX on XX/XX/year>. This caller had access to all of my banking information for my business account. They verified my account for security and then proceeded to review with me all recent transactions on the account. While on the phone with them I received a voicemail from Citibank XXXX department at XXXX and they left a voicemail stating that they had identified possible fraudulent activity on the account and to call them back. I called them back at XXXX while still on the call with the initial fraudulent caller and was told by the Citibank representative that there was a fraud alert on my business account and that they had cleared XXXX XXXX  transfers ( XXXX for {$28000.00} and the second for {$24000.00} ) within the last XXXX minutes. My complaint is that although there was a fraud alert on the account and there had never been any wire transfers over the last XXXX  years of activity on this account they still approved the wire transfers which consisted of 80 % of the available funds in the account. Citibank should have held the wire transfers until they could reach me by phone to authorize the XXXX transfers.

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 2025-01-09 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: Experian Information Solutions Inc.
State: MA

Complaint narrative:
Applying for a mortgage and after the lender checked my credit score for preapproval my information was sold by Experian. To their lenders that are spamming me with calls offering me cash out, etc. I was surprised by the amount of info shared with them such as my address etc. I have been receiving up to 15 calls since XX/XX/XXXX After opting out from calls Im being spammed by XXXX ( XXXX ) XXXX who is insistently calling again after my credit was checked in XXXX but this person who call back the last time lied saying one of his lenders was processing my application and that my info was shared by experian again. He tried to get more info about my transaction under false pretenses.

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 2025-01-10 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: PA

Complaint narrative:
Im writing out of sheer frustration because Ive noticed consistent inaccuracies in my report that are seriously impacting my scores. These errors arent just numbers on a page; theyre affecting my future opportunitieswhether its access to better financing options or even job-related prospects. Its exhausting to keep seeing mistakes that Ive had no control over damage my credibility and limit my progress. Ive worked too hard to let incorrect information pull me backward.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I initiated a check payment ( XXXX XXXX ) for {$1300.00} for XX/XX/XXXX going to a recipient I have been making payments to once a month for last 5 months. The recipient reached out on XXXX stating that they haven't received by payment by XXXX ( the due date ) and hence will be charging a late fee. I reach out to Capital One on XXXX and ask them about the status and all they can tell is that it is " outstanding ''. Without providing much info they advise me that I should claim for refund. I initiated a claim for the amount ( {$1300.00} ) + fee ( {$75.00} ) over the phone. The rep confirmed it but on email confirmation only showed {$1300.00}. When I called again the rep was very antagonistic and refused to provide any info stating the team will review and the review can take upto 45 days. 

Now, I am stuck with {$1300.00} amount already deducted from my account on XX/XX/XXXX and still needing to pay my recipient along with the fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing to formally dispute the accuracy of the bankruptcy information reported on my credit report. According to my records, the state court responsible for handling my bankruptcy case did not provide my information to be reported to your agency. As such, I believe this information has been included on my credit report in error. 
Details of the disputed item are as follows : Filing Date : XX/XX/XXXX  Court Name XXXX XXXX XXXX XXXX, XXXX GA This inaccurate reporting is causing significant harm to my creditworthiness, and I kindly request that you investigate this matter promptly. Please verify this information directly with the court listed above and remove the bankruptcy entry from my credit report if it can not be substantiated.

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 2025-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am writing to formally dispute the accuracy of the bankruptcy information reported on my credit report. According to my records, the state court responsible for handling my bankruptcy case did not provide my information to be reported to your agency. As such, I believe this information has been included on my credit report in error. 
Details of the disputed item are as follows : Filing Date : XX/XX/year>XXXX  Court Name : XXXX XXXX XXXX, XXXX GA This inaccurate reporting is causing significant harm to my creditworthiness, and I kindly request that you investigate this matter promptly. Please verify this information directly with the court listed above and remove the bankruptcy entry from my credit report if it can not be substantiated.

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 2025-01-09 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:
I am a victim of a recent data breach and identity theft. As a result, several fraudulent accounts have been opened in my name without my knowledge or consent. I have discovered these accounts reported on my credit report, and I am requesting immediate action to resolve the issue and remove these fraudulent accounts from my credit file. 

The accounts that I have identified are as follows : XXXX XXXX  Account Number : # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : # XXXXXXXX XXXX XXXX XXXX XXXX Account Number : # XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account Number : # XXXX I have already taken the following actions : I filed a dispute with the credit bureaus, including Equifax, and requested that they delete and block these fraudulent accounts from my credit file. 
I have attached an Affidavit of Identity Theft and other supporting documentation to verify my claim. 
I requested that these fraudulent accounts be removed within 4 business days, as required by the Fair Credit Reporting Act ( FCRA ), Section 605B ( 15 U.S.C. 1681c-2 ). 
I contacted the relevant financial institutions to report the fraud and asked for the accounts to be closed. 
Despite these actions, the accounts remain on my credit report, and I have not received the timely resolution I am entitled to under the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 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: MA

Complaint narrative:
I am disputing multiple inaccuracies and violations of my federally protected consumer rights under 15 U.S.C. 1681. The following accounts have violated my rights to privacy and confidentiality and must be deleted from my credit report : XXXX XXXX XXXX XXXXXXXX Account XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Account # XXXX Additionally, I am addressing specific discrepancies on my credit report that align with billing errors as defined under 15 U.S. Code 1666 ( b ). These include : Failure by the creditors to accurately reflect payments I made or properly credit my accounts. 
Computational or accounting errors made by the creditors. 
Furthermore, the creditors failed to provide me with billing statements at least 21 days prior to the payment due dates, invalidating any claims of late payment under the law. I request concrete evidence from the creditors ' bank records to verify their claims of non-payment. The designation of " late payment '' appears to be the result of invoicing errors. 

Experian has also failed to properly investigate disputes, remove inaccuracies, and prevent the reinsertion of errors, violating 15 U.S.C. 1681i. These actions further breach my rights under 15 U.S.C. 1681n and 1681o, concerning willful and negligent noncompliance with consumer reporting obligations. 

I respectfully request that : The late payments for the following accounts be updated to " paid as agreed '' : XXXX XXXX Account # XXXX XXXX XXXX  Revolving Account # XXXX The following accounts be deleted from my credit report : XXXX  XXXX XXXX XXXX Account XXXX XXXXXXXX XXXX XXXX XXXXXXXX Revolving Account # XXXX I urge you to take immediate action to correct these inaccuracies and ensure compliance with federal 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