vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-15 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: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
Ordered software for my XXXX XX/XX/XXXX for {$310.00} found out it was a scam contacted Bank told them to stop payment was told it had been paid. Removed software from my XXXX  and contacted company to close my account. 
When charge appeared on Bank Statement dated XX/XX/XXXX in amount of credit of {$310.00} I again contacted Bank and asked for a refund check to be issued. 
Bank issued me a check on XX/XX/XXXX in the amount of {$310.00}. 
Received letter from Bank XX/XX/XXXX stating my account was closed as i had requested. I closed the account after receiving statement dated XX/XX/XXXX showing a ZERO balance. 
I was under the impression this issue was now resolved! 
I received Bank statement dated XX/XX/XXXX showing a charge of {$310.00} had been made to my account that was closed on XX/XX/XXXX. 
I received a statement dated XX/XX/XXXX showing a new balance in the amount of {$350.00} which added a late fee of {$29.00} and a interest charge of {$5.00} to my account that was closed on XX/XX/XXXX. 
I received a letter from the Bank XX/XX/XXXX stating they were researching my disputes on the account that was closed XX/XX/XXXX. 
I received a letter dated XXXX XXXX, XXXX stating the resolved the dispute saying the amount was to stay on the account to the account that was closed XX/XX/XXXX. 
Received an e-mail from the Bank dated XX/XX/XXXX at XXXX showing account closed and that the account is past due and has been permanently closed. 
i sent he bank a three page letter dated XX/XX/XXXX that outlined all of the condensed information listed above.

1

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This collection account is not mine my data was breached I demand that it be deleted immediately under the FCRA LAW 15 USC 1681

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 2025-01-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fee I have incurred. Despite having sufficient funds. When transactions were authorized, I was charged fees due to lag postings of credit and charges. This issue aligns with the recent CFPB findings against Navy Federal Credit Union for similar practices, where transactions settled with insufficient balances, despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-15 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: TX

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-15 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I purchased my XXXX XXXX on XX/XX/XXXX and traded my XXXX XXXX the same day. As you can see Capital One denied the payments from the dealership three times. This caused me to have negative items on my credit this is a violation of Consumer Rights. I have disputed with XXXX in XXXX. They corrected my account immediately. XXXX XXXX XXXX still have it on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-15 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: OH

Complaint narrative:
XX/XX/XXXX Manual verification is required from notice. These items are illegal and needs to be removed asap. 

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed. 

Under USC Sec 15 1681, 1682, 1683, 1684, 1692, and FCRA tbese accounts were already disputed and passed timeframe of removal from all three Credit Bureaus Transunion, XXXX, XXXX. These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across TransUnion, XXXX, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my XXXX, Transunion, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter.

Thank you for your time and help in this matter.

Under USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately. 

I am requesting a manual veriication and not an automated process through Transunion, XXXX, and XXXX stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

Sincerely, XXXX XXXX XXXX $ Balance {$170.00} Date Opened XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXXXXXX XXXX XXXX  Finance ) XX/XX/XXXX XXXX ( Bank ) XX/XX/XXXXXXXX XXXX XXXXXXXX ( Bank ) XX/XX/XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXXXXXX XXXX XXXX  ( Auto ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXXXXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXXXXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX Auto ) XX/XX/XXXX XXXX XXXX ( Bank ) XX/XX/XXXXXXXX XXXX ( Finance ) XX/XX/XXXXXXXX XXXX  ( Finance ) XX/XX/XXXXXXXX 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 2025-01-15 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: OH

Complaint narrative:
XX/XX/XXXX Manual verification is required from notice. These items are illegal and needs to be removed asap. 

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed. 

Under USC Sec 15 1681, 1682, 1683, 1684, 1692, and FCRA tbese accounts were already disputed and passed timeframe of removal from all three Credit Bureaus Transunion, XXXX, XXXX. These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across TransUnion, XXXX, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my XXXX, Transunion, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter.

Thank you for your time and help in this matter.

Under USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately. 

I am requesting a manual veriication and not an automated process through Transunion, XXXX, and XXXX stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

Sincerely, XXXX XXXX XXXX $ Balance {$170.00} Date Opened XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXXXXXX XXXX  ( Finance ) XX/XX/XXXX XXXX ( Bank ) XX/XX/XXXXXXXX XXXX XXXXXXXX ( Bank ) XX/XX/XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXXXXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXXXXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX Auto ) XX/XX/XXXX XXXX XXXX ( Bank ) XX/XX/XXXXXXXX XXXX  ( Finance ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXXXXXX 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 2025-01-15 00:00:00
Product: Debt collection — Mortgage debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Shellpoint Partners, LLC
State: NC

Complaint narrative:
Please address the attachments. The company did not address the attachments that was sent with the complaint. The violation of the FDCPA are in those attachments. Every response the company gives is slander in me when the company says they did no wrong. There is a letter with the company 's letter head that says the company did wrong. By contract the new service provider are supposed to handle any dispute that occurs. XXXX transfered the loan to their sister company. When I wasn't behind on my mortgage putting me into debt t collections. Which I should not be in. The company is omitting answering and addressing the letter that they sent to me. I provided an notarized transcript of a conversation that the company 's agents was having that is evidence of fraud. When the company say they reached out to me they didn't. This is no the same old complaint as there is evidence of foul play on the company 's part. Please address the attachments if dates are need im sure that all calls where recorded. And the dates aren't hard to find as one of the dates is on the letter sent to me by the company. 1. Will the company address the attachments and do an investigation on the evidence provided.

The company stated there is no evidence of these matters i have provided this before and now I'm doing it again.

2 will the company work with me on a settlement of these issues that occurred and is still injuring me to this day.

3 I have no access to the account and haven't had access to the account for over 6 months. Will I gain full access to the account in question.

4 will the company properly address all allegations and if found that the company was in the wrong. Will the company fix the issue and make me whole. 

5. Will the company cease and desist on the fraud and misleading information an or omitted information to these matters?

Please answer all five questions thanks 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 2025-01-15 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: John C. Heath, Attorney at Law, PLLC
State: GA

Complaint narrative:
Unfortunately, my ability to secure a loan has been severely impacted by circumstances beyond my control. My personal information was compromised in the XXXX breach, and as a result, my identity theft risk score has made lenders hesitant to approve my applications. Despite my efforts to resolve these issuessuch as working with Lexington Law, which proved unsuccessfulI now find myself in an even more difficult position due to an unexpected lawsuit involving their services. Im unable to be a co signer for my daughter for XXXX  to help her, I have medical bills piling up due to her being in the hospital  which prevented her to go to XXXX  last term and she missed out, so much. This has been a depressing situation and I have 24 hours to pay my daughters XXXX XXXX or she will not be able to go to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-15 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: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
I have been disputing this fraudulent account for months and still no results. XXXX is willingly and knowingly reporting false and inaccurate information to my credit report. I have requested that XXXX to remove the account from LVNV FUNDING LLC and has refused to do so multiple times. experian removed the account for identity theft and so has transunion. XXXX is willingly committed fraud and identity theft by willingly reporting this information knowing it is fraudulent. I have sent FTC Reports to support claim but LVNV FUNDING LLC ALSO REFUSES TO REMOVE INACCURATE INFORMATION from my credit profile knowing I do not have a contract with them which is considered identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-15 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: NV

Complaint narrative:
I have sent several letters, some certified requesting updates to my address, name, and other credit information. I have been trying ti get this informatiom corrected since XX/XX/year> when I moved from XXXX XXXX to XXXX XXXX. My XXXX ID and XXXX and attached for verification.

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 2025-01-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Radius Global Solutions LLC
State: VA

Complaint narrative:
I request all debt Validation Letter and a debt contract to the collections. With documents and agreements with my signature and documents showing my identification. Showing it was me personally opening the account. I still have not received anything from them. Or why they sold my personal information to anyone company is had no knowledge of. They don't me the account was openneed online. And yet they refused to sent me requested documents to show it was truly me to open the account. When I asked about it, the only claim it was done online and it was my information used and they did not ask or require any documents before opening the account.

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 2025-01-15 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: SC

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, EXPERIAN credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX - XX/XX/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 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 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 XXXXXXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint FTC Report Number : XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-15 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: NY

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

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 2025-01-15 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
There are 7 plus hard inquires on my credit report that I never authorized and it fraud. I reached out to the companies and told them its fraud and j never authorized these inquiries but they wouldnt do anything to remove it. I want them removed asap. 

Syncb/hsn inquiry date XX/XX/XXXX XXXX XXXX na inquiry date XX/XX/XXXX XXXX XXXX na inquiry date XX/XX/XXXX Td retail card service inquiry date XXXX XXXX Cap one na inquiry date XX/XX/XXXX XXXX XXXX na inquiry date XX/XX/XXXX XXXX card inquiry date XX/XX/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 2025-01-15 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: McCarthy, Burgess & Wolff, Inc.
State: TX

Complaint narrative:
I got a letter from XXXXXXXX XXXX  XXXX in XX/XX/XXXX that my data was part of a data breach. In XX/XX/XXXX, I found a strange XXXX acount in my credit history with a debt of around {$4000.00} claiming an account was opened in my name in XX/XX/XXXX which I never opened. I don't recall in which state was it opened but it was not in XXXX, TX where I live. 

I was out of XXXX from XX/XX/XXXX till XX/XX/XXXX. Once I knew, I filed a police report and FTC report ( Federal Trade Commission ). I supplied all this info to the credit bureaus and disputed the account in both XXXX and XXXX. The fraud account was removed in both. 

I supplied the same info to XXXX who never contacted me. 

However, this month, McCarthy, Burgess and Wold- who identified themselves as debt collectors- called me regarding this fraud account and asked me to file a fraud claim with XXXX again and asked me to call them. I supplied the reports again to XXXX. I called XXXX and they asked me to go to the police and ask them to add in the report that I was a victim of Identity theft! 

That was very surprising! I would not tell the police how to do their work! 

They reported the fraud account again to XXXX so we are going in loops as I disputed again! 

Finally, I contacted XXXX to ensure they will not allow them to report this fraud account again. XXXX advised me to file a complaint here!

Company response to consumer: Closed with explanation