vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-05 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I XXXX XXXX, asking for verification and validation on this collection account. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX Re : Account Number : [ Your Account Number ] Amount : {$630.00} Original Creditor XXXX XXXX XXXX XXXXXXXX Dear Sir/Madam, I am writing to formally dispute the validity of the debt listed on my credit report under the account number mentioned above, with an outstanding balance of {$630.00}, last reported on XX/XX/. The original creditor for this account is listed as XXXX XXXX XXXX. 


Upon reviewing my credit report, I noticed discrepancies in the reported information, and I am exercising my right under the Fair Debt Collection Practices Act ( FDCPA ) to dispute the accuracy of this debt. 


I request that you provide me with detailed information regarding this debt, including : 1. Verification of the debt amount and its calculation.

2. Documentation proving that you are legally authorized to collect this debt. 
3. Verification of the original creditor, XXXX XXXX XXXX. 


I understand that debt collectors are obligated to provide accurate information, and I believe that this debt may not be entirely valid or accurate. I am requesting a thorough investigation into this matter and prompt resolution. 


In accordance with the Fair Credit Reporting Act ( FCRA ), I also request that this account be temporarily removed from my credit report during the investigation process. I expect this dispute to be conducted within the legally mandated timeframe. 


Please provide a written response to this dispute within 30 days of receiving this letter. If you are unable to verify the debt 's accuracy, I request that you promptly remove it from my credit report. 
Thank you for your prompt attention to this matter. I look forward to receiving a comprehensive response. 
Sincerely, 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 2023-11-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
n 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. I told the XXXX, Transunion, and XXXX to reinvestigate these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 SECTION 602 A. states i have a 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 instruction. 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 REPORTING AGENCY IF THE PERSON KNOW OR HAS REASONABLE CAUSE TO BELEIVE THAT THE INFORMATION IS ACCURATE

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 2023-11-05 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: SANTANDER HOLDINGS USA, INC.
State: NY

Complaint narrative:
Incorrect and illegal late payments reporting in violation of FCRA ), 15 U.S.C. 1681

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-05 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Incorrect and illegal late payments reporting in violation of FCRA ), 15 U.S.C. 1681

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have summitted several disputes to all 3 major credit reporting bureaus ( Experian/Equifax/TransUnion ) in regards to my XXXX XXXX XXXX account and the numerous inconsistencies and discrepancies reported on this account by all 3 bureaus. I have requested verification and validity of the these reports, including method of verification of account and all I've received are notification stating the account has either been updated or verified as accurate. To date TransUnion and XXXX report a high balance of {$17000.00}. XXXX is reporting a high balance of {$16000.00}. TransUnion is reporting date of last activity as XX/XX/XXXXXXXX XXXXXXXX is reporting date of last activity as XX/XX/XXXXXXXX XXXX is reporting date of last activity as XX/XX/XXXX. TransUnion and XXXX are reporting this account as derogatory. XXXX is reporting this account as " PAID ''! TransUnion and XXXX are reporting date of last payment as XX/XX/XXXXXXXX XXXXXXXX is reporting date of last payment as XX/XX/XXXXXXXX XXXXXXXX is reporting an XXXX and XX/XX/XXXX payment history as PAID while XXXX reports them as 30 and 60 days late? which is it? did I pay or not? TransUnion report no payment history at all. ALL reporting a {$0.00} past due amount. How is one reporting paid and the others derogatory? If the bureaus are reporting " accurate '' and " verified '' information, why are there so many inconsistencies? if one creditor is reporting this information to them, why is all the information different? I am entitled to a fair and accurate credit report. Credit reporting is life changing and for the bureaus to fail to acknowledge or recognize the blatant and inaccurate reporting and tell me its verified information blows my mind. I demand an investigation onto this matter and a complete reporting on method of verification OR complete deletion of this account from my credit file.

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 2023-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have summitted several disputes to all 3 major credit reporting bureaus ( XXXXXXXX/Equifax/XXXX ) in regards to my XXXX XXXX XXXX account and the numerous inconsistencies and discrepancies reported on this account by all 3 bureaus. I have requested verification and validity of the these reports, including method of verification of account and all I've received are notification stating the account has either been updated or verified as accurate. To date XXXX and XXXX report a high balance of {$17000.00}. Equifax is reporting a high balance of {$16000.00}. XXXX is reporting date of last activity as XX/XX/XXXXXXXX XXXXXXXX is reporting date of last activity as XX/XX/XXXXXXXX Equifax is reporting date of last activity as XX/XX/XXXXXXXX XXXXXXXX and Equifax are reporting this account as derogatory. XXXX is reporting this account as " PAID ''! XXXX and XXXX are reporting date of last payment as XX/XX/XXXX. Equifax is reporting date of last payment as XX/XX/XXXXXXXX XXXX is reporting an XXXX and XX/XX/XXXX payment history as PAID while Equifax reports them as 30 and 60 days late? which is it? did I pay or not? XXXX report no payment history at all. ALL reporting a {$0.00} past due amount. How is one reporting paid and the others derogatory? If the bureaus are reporting " accurate '' and " verified '' information, why are there so many inconsistencies? if one creditor is reporting this information to them, why is all the information different? I am entitled to a fair and accurate credit report. Credit reporting is life changing and for the bureaus to fail to acknowledge or recognize the blatant and inaccurate reporting and tell me its verified information blows my mind. I demand an investigation onto this matter and a complete reporting on method of verification OR complete deletion of this account from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06 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: TX

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: OR

Complaint narrative:
I am restarting loan payments on and income driven repayment plan working in thr public sector. I submitted my application and they wanted different income information so I submitted it several times since XX/XX/XXXX and I have not heard anything back. I just want to make payments again so I can move closer to public service loan forgiveness. The hold time is 4 hours when I try to call them and I have sent 3 secure messages to them with no response. 

If they will not allow me to pay them they should at least allow the last 2 months to count as payments so I can continue to make progress. 

I just want to make payments on the new SAVE plan which I qualify for. Their delay in processing affects me financially. 

Thank you for your assistance. 

XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Chime Financial Inc
State: CA

Complaint narrative:
Unauthorized transactions happened on my account multiple times from XXXX. I called chime and submitted multiple claims. They approved the first one and denied the rest. When I asked for documentation on their denial reason they sent me a list of transactions that I had disputed. They provided provisional credit for one claim but they took it back now my account is negative {$500.00}. I submitted a police report and the logs of me talking to XXXX trying to get my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06 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: EQUIFAX, INC.
State: IA

Complaint narrative:
I am writing to report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. Thank you for your attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SYNCHRONY FINANCIAL
State: KS

Complaint narrative:
I was in the XXXX XXXX, KS American Eagle store on XX/XX/ and the sales agent told me to scan a QR code to access my AE credit card since I didn't have it with me. What I didn't know, is that it also produced a credit inquiry on my credit report. I already had a card. I don't want a new one and I certainly don't want another ping on my credit report. I want it removed.

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 2023-11-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION
State: WA

Complaint narrative:
I had a problem with my debit card information getting used for purchases I did not authorize. I also did not give my information out to anyone. I used my card once with XXXX and some employee hacked the system and took my info and tried to buy stuff but I was alerted by text and called the fraud department and it got resolved quickly. But I had to cancel my card and get a new one. Then somehow my card got used in a state Ive never been to for pizza. I saw the charge on my account and called the fraud department again and got it resolved. Well now the fraud department says that Im in violation of the debit card agreement. All my disputes were found to be valid and founded by the credit union so I dont know what I exactly violated. I read the agreement and have not done anything against it at all. But now I am told that I cant get a debit card for a year and that they have closed the matter. I have asked repeatedly for them to tell me exactly how this is my fault and why I am being punished and they will not give me an answer. I thought Navy Federal CU was a good institution until this happened but now Im feeling unfairly punished without good reason and I am being bullied by the fraud department. I want another debit card for my account and for them to make it so thieves cant get my info so easily. I dont use it very often except to pay bills on secure sites or on XXXX XXXX I deleted my XXXX account and am careful to not have my debit info out there. Can you help me please? If I just close my account then they win and can continue to treat other customers this way which is not professional in my opinion.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have summitted several disputes to all 3 major credit reporting bureaus ( Experian/XXXX ) in regards to my XXXX account and the numerous inconsistencies and discrepancies reported on this account by all 3 bureaus. I have requested verification and validity of the these reports, including method of verification of account and all I've received are notifications stating the account has either been updated or verified as accurate. To date XXXX reports a high balance of {$2100.00}. Experian is reporting a high balance of {$0.00}. XXXX is reporting a high balance of {$3000.00}. XXXX is reporting date of last activity as XX/XX/XXXX. Experian is reporting date of last activity as XX/XX/XXXXXXXX XXXXXXXX is reporting date of last activity as XX/XX/XXXXXXXX XXXXXXXX is reporting this account is STILL OPEN!! but its charged off???? XXXX and Experian are reporting date of last payment as XX/XX/XXXXXXXX XXXXXXXX is reporting date of last payment as XX/XX/XXXXXXXX XXXXXXXX reports no payment history at all. How is this account charged off if its reporting OPEN? If the bureaus are reporting " accurate '' and " verified '' information, why are there so many inconsistencies? If one creditor is reporting this information to them, why is all the information different? I am entitled to a fair and accurate credit report. Credit reporting is life changing and for the bureaus to fail to acknowledge or recognize the blatant and inaccurate reporting and tell me its verified information blows my mind. I demand an investigation onto this matter and a complete reporting on method of verification OR complete deletion of this account from my credit file.

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 2023-11-05 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: MO

Complaint narrative:
I XXXX XXXX, asking for verification and validation on this collection account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
There is an inquiry on my Transunion Credit Report that does not belong to me. I demand the following fraudulent inquiry be deleted from my Transunion credit report immediately. Please remove the following - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-05 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I XXXX XXXX, asking for verification and validation on this collection 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 non-monetary relief
Consumer complaint received 2023-11-05 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
I read a post on local yard sale website that had a mixer for sale. Person asked for pre payment. The address and name was local. I XXXX  them XXXX dollars. When I confirmed with them the name and post was deleted. I realized the that I was scammed. On XX/XX/XXXX th XXXX dollars was taken out of my checking account. I alerted pnc right away and a claim was opened. A week later PNC sent me a letter stating that they found no proof that it wasnt legitimate. I sent PNC the phone number I sent it to and I actually called it. A man answered and said he doesnt know anything about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06 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: OH

Complaint narrative:
I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 

XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/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 explanation
Consumer complaint received 2023-11-06 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
this XXXX XXXX  debt collection has been paid and always has paid and time and I would like when company see my message dispute this debt collection

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 2023-11-06 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: MO

Complaint narrative:
I have contacted all three Credit bureaus, XXXX, Transunion, XXXX to update and correct my personal information : My correct information is as follows : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX I have never lived at : Remove these addresses XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX MO 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 2023-11-06 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: IN

Complaint narrative:
The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I received a copy of my credit report from your bureau on XX/XX/XXXX and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate credit report. 
XXXX 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 response to consumer: Closed with explanation