vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-25 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
I went shopping on a website called XXXX XXXX XXXX, where I saw a product that caught my attention. I used my credit card to purchase it, and the total cost was {$100.00}. I waited several months for it to ship, but it never arrived. I sent them XXXX emails but never received a response. Eventually, I filed a claim on XXXX to request a refund. An employee of XXXX XXXX Industries responded through XXXX, claiming that the product was still being produced and would soon be finished. I trusted them, which led to waiting a few more monthscompletely wasting my time. I then realized it was a scam, but by that point, the XXXX claim window had already closed. I contacted Bank of America to file a credit card fraud claim. However, after their investigation, they stated that " this charge is consistent with previous charges with this merchant. '' This is incorrect, as I had never dealt with this merchant before this incident.

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 2024-12-25 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC
State: CA

Complaint narrative:
Article 623 Fair Credit Reporting Act The verification from original creditor XXXX XXXX has stated on recorded line that was sent to collections XX/XX/XXXX ( WHICH STILL DOES NOT EXPLAIN WHY IT HAS NOT SHOWN UP, EVER, ON MY CREDIT REPORT UNTIL XXXX  MONTHS AGO. )

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to formally dispute the accuracy of the following accounts listed on my TransUnion credit report. According to my records and the recent actions taken by XXXX, the accounts listed below were deleted due to inaccuracies, and as such, they should no longer be reported on my TransUnion credit report. 

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681n, credit reporting agencies must ensure the accuracy and completeness of the information they report. As these accounts have been deemed inaccurate by XXXX and subsequently deleted, I request that TransUnion also remove these accounts to remain in compliance with the FCRA. 
The accounts in question are as follows : 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 2024-12-25 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: IL

Complaint narrative:
Whom It May Concern : This letter is being sent to you in response to a listing on my credit report. This is not a refusal to pay, but a notice to request validation. 
Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. Be advised that I am not requesting a " verification '' ; I am requesting a " validation ; '' that is, competent evidence that I have some contractual obligation to pay you. 
Please provide at least the following information within 30 days from the date of your receipt of this request for validation :

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-25 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: CA

Complaint narrative:
The lack of evidence to support this account 's reliability and the spread of unverified information clearly violate the requirements of 15 USC 1681i ( 7 ). This non-compliance is both concerning and frustrating, given the importance of following legal obligations. 

I urge the immediate removal of this account under the specified regulations unless verifiable evidence is provided to confirm its authenticity. Delaying action only adds to the frustration caused by the failure to adhere to regulatory standards and ensure fairness and accuracy.

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 2024-12-25 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: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I signed up for lesson in law firm twice and each time they took XXXX money and my credit didnt get better and they took it on a date that I did not sit up with them on the second time, but the first time they took it and my credit didnt get better and when I called, they said that they couldnt get back the money cause I was already locked in with them so I just let it go until I heard about this class action lawsuit. It could possibly get your money back I hope to hear from you guys soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-25 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: GA

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/XXXX, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO 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 XXXX as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-25 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: CLGF Holdco 1, LLC
State: TX

Complaint narrative:
Despite providing documented proof of fraudulent credit card accounts on my credit report, including police reports and relevant correspondence, the credit bureaus has failed to remove these inaccuracies as required under the Fair Credit Reporting Act. I provided documentation proving that this account was fraudulently opened, yet Milestone Credit and Indigo XXXX  has failed to remove it from my record. As an active-duty service member, this neglect violates protections under the Servicemembers Civil Relief Act ( SCRA ). I request immediate action to remove these accounts. I have not only provided the required reports for removal I have also been XXXX  in XXXX  for XXXX  years and was XXXX  IN XXXX XXXX for the XXXX XXXX  in XXXX! XXXX XXXX XXXX XXXX XXXX XXXX XXXX yet these companies have no issues making it abhorrently hard to remove information as the are required to do my law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-25 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: MS

Complaint narrative:
This letter serves as a formal notice under the Fair Debt Collection Practices Act ( FDCPA ) and specifically 15 U.S.C. 1692c ( c ), requiring you to cease all communication with me regarding the alleged debt associated with the account. In the amount of {$2300.00} As stated under 15 U.S.C. 1692c ( c ), once you receive this written notice, you are legally obligated to stop all communication with me concerning this matter, except to : Notify me that your further collection efforts have been terminated ; Inform me of any specified remedies that may be invoked by you or the original creditor ; or Notify me of your intent to invoke a specified remedy.

Furthermore, I am formally notifying you that I consider any updates to my credit report as a form of indirect communication regarding this account. If you continue to report, update, or otherwise communicate through credit reporting agencies, I will consider this a violation of the FDCPA. 

If this account is in dispute, I reserve the right to validate or challenge its accuracy, and I expect all collection activity to be suspended as per applicable laws. Any further communication with me outside the outlined exceptions or continued reporting on my credit report will result in formal complaints filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and legal action if necessary.

Please confirm in writing within 14 days of receiving this letter that you have complied with my request to cease all communication and activity related to this account.

You may only contact me to provide the requested confirmation or if legally required to inform me of one of the exceptions noted above. 

Sincerely, 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 2024-12-25 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: MS

Complaint narrative:
This letter serves as a formal notice under the Fair Debt Collection Practices Act ( FDCPA ) and specifically 15 U.S.C. 1692c ( c ), requiring you to cease all communication with me regarding the alleged debt associated with the account. In the amount of {$2300.00} As stated under 15 U.S.C. 1692c ( c ), once you receive this written notice, you are legally obligated to stop all communication with me concerning this matter, except to : Notify me that your further collection efforts have been terminated ; Inform me of any specified remedies that may be invoked by you or the original creditor ; or Notify me of your intent to invoke a specified remedy.

Furthermore, I am formally notifying you that I consider any updates to my credit report as a form of indirect communication regarding this account. If you continue to report, update, or otherwise communicate through credit reporting agencies, I will consider this a violation of the FDCPA. 

If this account is in dispute, I reserve the right to validate or challenge its accuracy, and I expect all collection activity to be suspended as per applicable laws. Any further communication with me outside the outlined exceptions or continued reporting on my credit report will result in formal complaints filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and legal action if necessary. 

Please confirm in writing within 14 days of receiving this letter that you have complied with my request to cease all communication and activity related to this account.

You may only contact me to provide the requested confirmation or if legally required to inform me of one of the exceptions noted above. 

Sincerely, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-25 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: EQUIFAX, INC.
State: TN

Complaint narrative:
Data Leaked /Remove Unauthorized Inquiries, Negative Accounts, invalid Social Security Numbers , Variations of Name Spelling- Siting the FCRA LAW

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
XXXX ) Since XXXX of XXXX XXXX XXXX was XXXX  in the XXXX XXXX XXXX XXXX and released in XXXX of XXXX. 
XXXX ) On XX/XX/XXXX, an XXXX XXXX account ending XXXX was open while XXXX XXXX was in XXXX. This is clearly Identity theft which XXXX XXXX demanded this account to be deleted on XX/XX/XXXX. 
XXXX ) On XX/XX/XXXX, an XXXX XXXX by XXXX XXXX was opened XXXX month after XXXX XXXX was released from a XXXX XXXX  XXXX. XXXX XXXX CHALLENGES and demand this account to be deleted because its not possible to get approved without any credit history after XXXX  years and its evident this is part of the identity theft claim that was filed on XX/XX/XXXX. 
XXXX ) On XX/XX/XXXX, a XXXX XXXX charge card was opened in the same year XXXX XXXX was released from XXXX, and this is evident that identity theft occurred because how would an individual after serving XXXX  years establish enough credit in 3 months to be approved for a {$15000.00} credit limit. This account was also challenged for identity theft, and we demand this account to be deleted. 
XXXX ) On XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX accounts was reported to be opened under Identity theft in which account ending XXXX was deleted and account ending XXXX was not deleted and this account was opened on XX/XX/XXXX, and account XXXX was opened in XXXX. This account was part of the identity theft data breach, and we demand that this account be deleted. 
XXXX ) On XX/XX/XXXX, a XXXX XXXX XXXX account was opened and was unauthorized by XXXX XXXX and this is another XXXX XXXX account which is inaccurate, and we demand that this account be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-25 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: MS

Complaint narrative:
This letter serves as a formal notice under the Fair Debt Collection Practices Act ( FDCPA ) and specifically 15 U.S.C. 1692c ( c ), requiring you to cease all communication with me regarding the alleged debt associated with the account. In the amount of {$1100.00} As stated under 15 U.S.C. 1692c ( c ), once you receive this written notice, you are legally obligated to stop all communication with me concerning this matter, except to : Notify me that your further collection efforts have been terminated ; Inform me of any specified remedies that may be invoked by you or the original creditor ; or Notify me of your intent to invoke a specified remedy.

Furthermore, I am formally notifying you that I consider any updates to my credit report as a form of indirect communication regarding this account. If you continue to report, update, or otherwise communicate through credit reporting agencies, I will consider this a violation of the FDCPA. 

If this account is in dispute, I reserve the right to validate or challenge its accuracy, and I expect all collection activity to be suspended as per applicable laws. Any further communication with me outside the outlined exceptions or continued reporting on my credit report will result in formal complaints filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and legal action if necessary. 

Please confirm in writing within 14 days of receiving this letter that you have complied with my request to cease all communication and activity related to this account.

You may only contact me to provide the requested confirmation or if legally required to inform me of one of the exceptions noted above. 

Sincerely, 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 2024-12-25 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2024-12-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Resurgent Capital Services L.P.
State: TN

Complaint narrative:
I submitted a complaint to the CFPB in regards to LVNV FUNDING BACK IN XX/XX/XXXX relating to various names and llcs being used to collect on an original XXXX XXXX debt back in XXXX totaling {$6600.00} due to XXXX. I have asked repeatedly for LVNV FUNDING to provide specific proof of debt purchase showing their ownership of this debt to collect on. Since XX/XX/XXXX and despite my request, the debt purchase documentation has not been provided. What was provided was XXXX XXXX statements only and my original contract with XXXX XXXX as attached. LVNV FUNDING has placed this debt on my credit reports and has not once reached out to me in regards to this his debt. Since XX/XX/XXXX this debt was in a debt consolidation program with NDR, however I have opted out of that program. I am requesting this specific information to ensure they have legal ownership to collect on this Debt in order to make small monthly payments. I will also be forwarding this complaint over to the FTC for review.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-25 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: NC

Complaint narrative:
Previous Complaint : XXXX ( Not Handled Correctly ) After asking for verification of this debt it was not resolved. I have not received proper verification, and my next legal action will be filing a court order. I need to see documentation that all parties involved have signed this so-called contract. ( See, Contract Law ) XXXX XXXX XXXX has also openly stated that they are attempting to collect this debt on behalf of my personal credit report. I just informed this company that pursuant to 15 USC 1681 4. THEY HAVE NO PERMISSION TO REPORT ANYTHING USING MY INFORMATION. I did not give XXXX XXXX XXXX Authorization, Consent or the right to do so. Again, I am asking for proper verification of this debt. XXXX XXXX XXXX is stating that they are not required to hold a " direct contract '' with me and that they are going to continue collecting on behalf of their client " The XXXX at XXXX XXXX ''. If XXXX XXXX XXXX is not required to have a " direct contract '' with me then i need to see the CONTRACT. Why is XXXX XXXX XXXX illegally trying to collect this so-called debt and why are they trying to report this debt with the credit agencies? Again, if there is no contract. I demand this be removed from my credit report ( XXXX ) and a detailed email to " XXXX '' stating that this has been fixed.

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 2024-12-25 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Fraud or scam — 
Company: Chime Inc.
State: GA

Complaint narrative:
I needed to pay for a service in XXXX  between XX/XX/XXXXor XX/XX/XXXX 
I sent {$1000.00} through Sendwave to XXXX XXXX XXXX XXXX  XXXX. 
They were meant to be quick transfer, but when it didn't happen between 24hrs, I requested a cancelation of the process. 3 days or more later they said it processed. The recipient didn't receive the funds because, Sendwave sent XXXX to their USD domiciliary account, so the money wasn't actually sent. 
I asked for a refund and Sendwave said their 3rd party company XXXX XXXX XXXX has to reply them first. 
I did not give my money to XXXX XXXX but to Sendwave that didn't do the job but now they also are not giving me my money back, they are also not taking my calls or calling me back when they say they would.

Company response to consumer: Closed with explanation