vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-22 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
This letter is regarding the account listed above, which you claim is a collection that I have with your company. This is a formal notice that your claim is disputed. 

I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) a contractual obligation to pay you. 

Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I do not owe is a violation of the Fair Debt Collection Practices Act FDCPA 807 [ 15 USC 1962e ] ; therefore, if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 

Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 

Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking up to {$5000.00} in damages for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Credit Reporting Act and Fair Debt Collection Practices Act You will be required to appear in a court venue local to me, since you are clearly doing business in my area. 

For the purposes of 15 USC 1962 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute of the validity of your claims.

Please note : This is an attempt to correct your records and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a station, election, or waiver of status.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-22 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: FL

Complaint narrative:
In accordance with the fair credit reporting act XXXX account # XXXX Gas violated my Rights 15U.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.

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 2025-02-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: WV

Complaint narrative:
I received a phone call this morning from ( XXXX ) XXXX about my Sams Club MasterCard. The caller said they were from the Fraud Division of the credit card company, and they were investigating two suspected fraudulent transactions this morning that originated in Michigan. The first was from WalMart for {$120.00} and the other was from Amazon for {$90.00}. He then verified my mailing address and email address. He then wanted me to read him my credit card number to verify my account. I grew increasingly suspicious and hung up on him. I then called the Customer Service number on the back of my card, and they confirmed that the caller did not work for them.

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 2025-02-22 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: WI

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number XXXX Open Date XXXX XXXX, XXXX Balance : {$0.00} Charge-off XXXX  Account Number XXXX Open Date XX/XX/XXXX Balance : {$0.00} Late/Closed XXXX XXXX XXXX  Account Number XXXX Open Date XX/XX/XXXX Balance : {$0.00} Late/Closed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) Account Number XXXX Date Opened XX/XX/XXXX Balance : {$2000.00} Collection XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX ) Account Number XXXX Date Opened XX/XX/XXXX Balance : {$1600.00} Collection XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account Number XXXX Date Opened XX/XX/XXXX Balance : {$990.00} Collection XXXX XXXX Date Opened XX/XX/XXXX Balance : {$98.00} Collection XXXX XXXX XXXXXXXX ( Original Creditor : XXXX  ) XXXX Date Opened XX/XX/XXXX Balance : {$2200.00} Collection New Added : 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 non-monetary relief
Consumer complaint received 2025-02-22 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: WI

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number XXXX Open Date XXXX XXXX, XXXX Balance : {$0.00} Charge-off XXXX  Account Number XXXX Open Date XX/XX/XXXX Balance : {$0.00} Late/Closed XXXX XXXX XXXX  Account Number XXXX Open Date XX/XX/XXXX Balance : {$0.00} Late/Closed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) Account Number XXXX Date Opened XX/XX/XXXX Balance : {$2000.00} Collection XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX ) Account Number XXXX Date Opened XX/XX/XXXX Balance : {$1600.00} Collection XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account Number XXXX Date Opened XX/XX/XXXX Balance : {$990.00} Collection XXXX XXXX Date Opened XX/XX/XXXX Balance : {$98.00} Collection XXXX XXXX XXXXXXXX ( Original Creditor : XXXX  ) XXXX Date Opened XX/XX/XXXX Balance : {$2200.00} Collection New Added : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: OK

Complaint narrative:
I made a purchase using my Chime account to buy a plane ticket on XXXX XXXX. I used my Chime account to charge XXXX XXXX as a third party to get the ticket. However, the transaction was never finalized, and no confirmation was given ; however, the money was taken out regardless. I called Chime to let them know what happened, and I was told that I would have to dispute this issue and that I would be given a temporary refund Pending their investigation after the investigation. They revoked my claim and withdrew the money from my account, leaving me in the red {$250.00}, saying that I was responsible when they were responsible and negligent and not investigating deeper, leaving me to open up a second dispute Because I feel that its unfair for them to not refund my money after making the mistake of not reaching out to XXXX regarding this issue. XXXX has said theyre dealing with Chime, and XXXX XXXX continues to be poor. Their miscommunication is also why a XXXX agent told me not to use XXXX XXXX anymore. As a result, Ive also opted to not to use Chime anymore. I am complaining because I feel that more people need to know about this, and there needs to be an investigation into Chime and what they do as a financial institution or whatever they are because they clearly lack integrity, and I will fight to the nail for my money that I work very hard for! Personally, I feel betrayed by chime as a loyal customer, and I feel as though they have stolen my money!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Colony Brands, Inc.
State: OH

Complaint narrative:
I lost my purse with all of my personal items including my phone in the XXXX XXXX XXXX shortly after I started receiving calls and emails about accounts and payments that are not mine. I received emails saying my information was listed on the dark web. I reported the theft and the accounts popping up.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I'm still in a bad situation with citibank. I have a line of credit/credit card with Citibank. I lost my credit card on XX/XX/year>. The last transaction was made at a XXXX XXXX  station on XX/XX/year> in XXXX, NY. Several days later a fraudulent transaction was made for {$6200.00} from XXXX in XXXX, NY. On the day the fraudulent transaction was made, I received a call from Citibank and immediately spoke to a representative from Citibank to verify the purchase. When I reviewed the summary of charges with the representative, she found a transaction for {$6200.00} from XXXX in XXXX, NY that was charged to my card which I did not authorize on XX/XX/year>. I told the representative that the card was lost several days before the day the fraud transaction was made and that the purchase was fraudulent. My last transaction was made on XX/XX/XXXX at a gas station in XXXX, NY. The representative issued me a new card and then told me that the fraud transaction would later be removed. The charge was still posted to my account. I spoke to a representative from Citibank for a second time on XX/XX/year>. I explained my situation about the fraudulent transaction again. I cooperated with the investigation and provided information to the Citibank representative. I was told again not to worry and that the fraud charge of {$6200.00} would immediately be removed. As of now, the charge is still on my account. This was different and opposed to what was originally assured to me. The charge is unusual and uncharacteristic with the history of charges made on my Citibank credit card. I have not ever made CC charges with the XXXX merchant in the past. The unauthorized fraud charge of {$6200.00} from XXXX is still on my Citibank account. This unfortunate circumstance is a huge inconvenience to me. If this situation isnt handled properly I will never bank or do business with Citibank again.

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 2025-02-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am filing this complaint about fraudulent accounts and inquiries on my credit report, caused by identity theft from a data breach. Despite repeated attempts to resolve this with the company, my concerns are being ignored.

This is putting my mortgage application at risk, as negative entries are quickly filling up my report. I urgently request that these fraudulent accounts and inquiries be blocked or removed within 3-5 days to prevent further damage.

I appreciate your prompt attention to this matter and hope for a swift resolution

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am filing this complaint about fraudulent accounts and inquiries on my credit report, caused by identity theft from a data breach. Despite repeated attempts to resolve this with the company, my concerns are being ignored.

This is putting my mortgage application at risk, as negative entries are quickly filling up my report. I urgently request that these fraudulent accounts and inquiries be blocked or removed within 3-5 days to prevent further damage.

I appreciate your prompt attention to this matter and hope for a swift resolution

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 2025-02-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: GOLDMAN SACHS BANK USA
State: NC

Complaint narrative:
Hello, I applied Apple XXXX card as a first time user using their promo which was sent to me via e-mail. 

The Apple Card was offered at Goldman Sachs. The promo email says I need to open a new Apple card account XX/XX/XXXX through XX/XX/XXXX which exactly what I did. I applied to open my XXXX  card on XX/XX/XXXX and spent more than {$2000.00} in the first XXXX days. The second requirement was to spend {$1500.00} or more within XXXX  days of opening. 

So until here, I satisfy all the conditions to get {$300.00} promo. However, Goldman Sachs says I am unable to receive the offer because my card was approved XX/XX/XXXX. They acknowledged that I applied on XX/XX/XXXX which was the last day of the promotional offer but they say my card was approved a day later. 

However, consumers do not have any control over the approval, as a consumer I can only do my part to apply a new card within the specified promotional dates and satisfy all the conditions. The promotional email does not mention anything about the approval process, it was mentioned- I could have follow up to get it approved but again this is not something consumers have any control on. 

When I contacted with Goldman Sachs customers agents and supervisors, they all acknowledged that I applied the last day of the promo and they do not help at all even though I opened several cases with them. All of my inquiries got rejected. I attached the conversation with Goldman Sachs agents via Apple card text support for your reference. 

In this case, I kindly ask your help for resolution to receive {$300.00} as indicated as part of the promo. 

Kind regards,

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-02-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: Shellpoint Partners, LLC
State: CT

Complaint narrative:
My mortgage was bought out by NewRez and since 2023 we have been fighting them tooth and nail to try to resolve. We started by just fighting by ourselves but we soon started receiving help from the mortgage help center and since we started working with them we have paid them over XXXX $ and still have not seen any results and our home is back in foreclosure. NewRez just keeps saying they need more and more information and it is always the paperwork that was already sent in through XXXX XXXX XXXX XXXXXXXX. I am not sure what entity is lying/making things difficult or scamming us.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to formally request that you block certain erroneous data reported on my credit report, pursuant to 15 U.S.C. 1681c-2 of the Fair Credit Reporting Act. It has come to my attention that incorrect information has been included in my credit report, which I believe to be the result of identity theft. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. XXXX XXXX - XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and TRANSUNION has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

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 2025-02-22 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:
I HAVE SENT XXXX XXXX A DISPUTE LETTER REQUESTING PROOF I WAS EVER LATE AND I HAVE SENT RETURN SIGNATURE AS PROOF OF XXXXXXXX XXXX FAILURE TO RESPONSE AFTER RECIEVING THESE DOCUMENTS AND REQUESTING PROOF OF ME BEING LATE BUT ONCE AGAIN IT HAS BEEN PASS THE TIMEFRAME AS LAW REQUIRE ACCORDING TO THE FCRA AND THIS IS NOW A VIOLATION FOR XXXXXXXX XXXX TO CONTINUE TO REPORT THIS LATE WITHOUT SENDING ME PROOF WITHIN THE PROPER TIMEFRAME AND MUST BE REMOVED/DELETED/UPDATE AS NEVER LATE AND XXXX FORMAT SHOWING NO LATES OR REMOVE/DELETE THIS ACCOUNT IMMEDIATELY.

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 2025-02-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
On XX/XX/year> I began to file out Federal income taxes online through XXXX XXXX XXXX XXXXXXXX software. A PayPal screen opened saying that they were accepting payments though their website, as I use PayPal credit I authorized a payment of {$1000.00} to the XXXX XXXX XXXX. The payment was made and charged to my account. I had no ideal that there was problem until XX/XX/year> when we received a bill with penalties from the IRS. We have been in the IRS offices twice trying to figure out where our payment was. I have contacted Sychrony Bk and PayPal Credit multiple times and well as sent them paper copies of this transaction. I was not given address where my payment was sent until just a few weeks ago. Supposedly it was sent to an incorrect address in PayPal 's system - XXXX. No one is answering questions or accepting any responsibility for this error or helping to recuse this payment. In the meantime we are being contacted by the IRS to correct this issue. Hard copies or request, IRS notices, and transaction information has been sent to both Sychrony Bk and PayPal Credit as well as filing numerous electronics request to resolve this situation.

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 2025-02-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: General Motors Financial Company, Inc.
State: MI

Complaint narrative:
XX/XX/year> I purchased a new XXXX from XXXX XXXX XXXX XXXX my local XXXX dealer. I bought it with the help of GM Finance. I paid the finance every month and it was never paid late nor was it ever reported late. I traded the XXXX in at XXXX XXXX for a new vehicle. Again on finance. I made the assumption that XXXXXXXX XXXX XXXXXXXX would settle the XXXX finance promptly, they didn't, they took almost 2 weeks to settle it. As a result the finance reports on my credit as past due 30 days, settled in full. That late payment is adversely affecting my credit scores

Company response to consumer: Closed with explanation