vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-08 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or missing disclosures — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I never gave consent for neither party to pull a inquiry Hard inquiriesXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX lease to own automotive

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 2025-02-08 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: PA

Complaint narrative:
My name is XXXX XXXX XXXX, and this is not a 3rd party filing this complaint. Its been a long time that the Experian, TransUnion & Equifax been violating my consumer rights by furnishing Fraudulent, Inaccurate and Incomplete accounts on my credit report. At this time I would have to demand the removal of the attached account immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-08 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: PA

Complaint narrative:
My name is XXXX XXXX XXXX, and this is not a 3rd party filing this complaint. Its been a long time that the Experian, TransUnion & Equifax been violating my consumer rights by furnishing Fraudulent, Inaccurate and Incomplete accounts on my credit report. At this time I would have to demand the removal of the attached 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 2025-02-08 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Dear Sir or Madam, I am writing to formally request the permanent closure of a credit card item that does not impact my credit score. I previously discussed this matter with JPMCB and XXXX representatives via phone on XX/XX/year> and by mail was informed the this is identity theft. 

Below are the details of the item in question : Date of Entry : XX/XX/year> XXXX Name : JPMCB Card Services Industry Type : Bank Address : XXXX XXXX XXXX, XXXX, DE, XXXX I would appreciate written confirmation once the item has been permanently closed. 

Additionally, I kindly request that this matter be resolved within the legally required. 
Please feel free to contact me if any additional information is required. 

Thank you for your prompt attention to this matter. 

Thanks, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-08 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: CAVALRY INVESTMENTS, LLC
State: GA

Complaint narrative:
I, XXXX XXXX, ( hereinafter Consumer ) is writing to remove the cease and desist from the account, and to request the Purchase and sale Agreement, between assignor and assignee in the chain of title. ( ( PLEASE SEE ATTACHMENT ) )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: NRA Group, LLC
State: PA

Complaint narrative:
I XXXX XXXX am formally disputing any and all debts that NATIONAL RECOVERY AGENCY say I owe. Under the Fair Debt Collection Practices Act ( FDCPA ) 15 U S C 1692g, I am exercising my right to request full validation of thiss alleged debt. Untill proper validation is provided, I do nott acknowledge or assume any responsibility for this debt..

Pursuant to my rights under 15 U S C 1692g, I am requestingg the following : 1. Complete validation of the alleged debt, including a detailedd breakdown of the amount owedd, the name of the original credittor, and any relevant account details.

2. The original purchase agreement between NATIONAL RECOVERY AGENCY the original creditor, proving legal authority to collect this debt. 
3. Proof that NATIONAL RECOVERY AGENCY is licensed and bonded to collect debts in my state Pennsylvania. I expect copiess of the current licensee and bonding information.

NATIONAL RECOVERY AGENCY has failed to provide the required validation information before placing this account on my consumer report, violating : 12 CFR 1006.34 ( b ) ( 5 ) Collection agencies must provide validation information before reporting a debt to a consumer reporting agency.

12 CFR 1006.34 ( c ) ( 4 ) ( i ) Consumers must be given the opportunity to dispute the account before it is furnished to consumer reporting agencies.

Becausee of thesee violationss, NATIONAL RECOVERY AGENCY has no legal authority to collectt or report this debt.

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 2025-02-08 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: NY

Complaint narrative:
The delinquent payment shown on my credit report during the periods of XX/XX/XXXX to XX/XX/XXXX was a result of my job loss due to COVID-19. The CARES Act, which was signed into law on XX/XX/XXXX, and ended XX/XX/XXXX amended the Fair Credit Reporting Act ( FCRA ) to stop adverse credit reporting during the COVID-19 crisis under these circumstances. Please update this information to PAID/AGREED for the following time period. 
XX/XX/XXXXXXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-02-08 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: NY

Complaint narrative:
The delinquent payment shown on my credit report during the periods of XX/XX/XXXX to XX/XX/XXXX was a result of my job loss due to COVID-19. The CARES Act, which was signed into law on XX/XX/XXXX, and ended XX/XX/XXXX amended the Fair Credit Reporting Act ( FCRA ) to stop adverse credit reporting during the COVID-19 crisis under these circumstances. Please update this information to PAID/AGREED for the following time period. 
XX/XX/XXXXXXXX XXXX XXXX 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 2025-02-08 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: NV

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute inaccurate payment history information on my Experian credit report. Specifically, Experian has failed to properly verify the reported payment history with the creditor, resulting in misleading and incorrect information on my report. 

The details of the disputed account are as follows : Creditor/Account Name : XXXX XXXXXXXX Account Number : XXXX Dispute Issue : Late payment incorrectly reported Under the Fair Credit Reporting Act ( FCRA ), Experian is required to conduct a reasonable investigation and verify disputed information directly with the creditor. However, I have reason to believe that Experian did not properly verify my payment history, as the creditor has confirmed that the reported late payments are inaccurate. 

To support my dispute, I have attached the following : A copy of my credit report highlighting the inaccurate payment history. 
A statement or letter from the creditor confirming my payment history. 

I request that Experian immediately : Conduct a thorough reinvestigation of this dispute, ensuring direct verification with the creditor. 
Provide me with a written statement explaining the investigation process and the name of the entity verifying the information. 

Update or remove the inaccurate payment history if verification can not be properly substantiated. 

As required by the FCRA, I expect a response within 30 days of receipt of this letter. If the inaccurate information is not corrected or if Experian continues to fail in properly verifying my dispute, I will escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) and consider legal action. 


Thank you for your immediate attention to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AR Resources, Inc.
State: AL

Complaint narrative:
I am not liable for the debt of {$1700.00} with AR RESOURCES INC Account Number : XXXX I do not have a contract with AR RESOURCES, they did not provide me with the original contract as I requested with my wet signature and ID verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
I made a payment of {$300.00} to PayPal MasterCard credit in the previous week I made a payment of {$150.00} and the payment for that was {$150.00} and the payment before that was {$150.00} When I spoke with their customer service they said that they were holding my {$300.00} for no good reason other than that it wouldn't be available until the 18th of the month. 

I need to understand how legally they can hold my money like that if I'm making my payments.

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 2025-02-08 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: Chime Financial Inc
State: DC

Complaint narrative:
On XX/XX/year> XXXX XXXX refunded me XXXX in 2 separate transactions/ refunds 1 for XXXX which I disputed for XXXX and 1 refund for XXXX. Chime tried to steal XXXX from me after XXXX refunded the money to me on XX/XX/year>. This was also the same exact day I made a dispute with Chime. Chime emailed me XX/XX/year> and claimed they were gon na steal XXXX from my account when they never issued me a refund or a credit in the amount of XXXX because XXXX refunded XXXX first. The email says the credit and dispute was not approved which was true but it then states at the end of the email that they want to steal XXXX that they never gave to me. I am writing to get them away from stealing from my account XXXX that I never owed them at all. See attachments

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I opened an account in XX/XX/2025 with my father who is XXXX and has XXXX  XXXX. The money was to go to his care. I submitted on Monday XX/XX/XXXX i beiufht his medical paperwork stating this as well as power of attorney for financial to the XXXX location. The women took the paperwork and said she would submit the paperwork. I was on my mobile chase app on XXXX  XX/XX/XXXX and saw the account was closed and the {$120000.00} was gone. I was the main account holder and was not informed that this account would be closed. I called Chase and no one was helpful. I went into the XXXX XXXX location and XXXX was helpful. But we can not get the {$120000.00} back. They can not tell us how the account was closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 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 recently reviewed a copy of my credit report and noticed I had fraudulent account on my report. Please remove these accounts from my report. They are hurting my ability to obtain credit.

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 2025-02-08 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: RFNA, LP
State: SC

Complaint narrative:
Republic Finance is falsly reporting payment history and has been for over a year causing severe damage to credit payment history. 

There hasn't been any payments reported since XX/XX/year>2023. I'm attaching proof of payment history from their portal. Also paid out payment agreement with them as well. 

I have called and they seem to act like they can't handle this properly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Company closed my credit Card, And then reopened the credit card to close it 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 non-monetary relief
Consumer complaint received 2025-02-08 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: FL

Complaint narrative:
Company closed my credit Card, And then reopened the credit card to close it again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-08 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: TX

Complaint narrative:
In 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. 


Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX Account Name XXXX XXXX XXXX XXXXXXXX 15 U.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 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-02-08 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: TX

Complaint narrative:
In 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. 


Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX Account Name XXXX XXXX XXXX XXXXXXXX 15 U.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 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-02-08 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: IL

Complaint narrative:
I am challenging the bureaus ( Experian, XXXX, and XXXX ) for improperly investigating my credit report and adding accounts back onto my report. there are several accounts that have been added back to my bureaus. I am challenging the the following. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I challenge under the following : USC1681i ( a ) 1, 15usc1681i ( a ) 6 ( B ) 3, 15USC1681i ( a ) ( 5 ) B

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 2025-02-08 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: VA

Complaint narrative:
Ive recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2025-02-08 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: VA

Complaint narrative:
Ive recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2025-02-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
I was a victim of the data breach for XXXX and XXXX  my information was compromised and some Accounts were opened in my name apparently I didn't know they were until I started getting overwhelming amounts of phone calls and emails from debt collectors regarding these accounts. I tried working with a company to help me dispute and get these things removed my report and a couple were but majority have not been removed and keep coming back verified by the bureaus. I requested debt validation letters from the debt collectors resurgent and XXXX XXXX XXXX resurgent responded by sending me credit card statements for each account and I have yet to hear anything from XXXX but it is still within the 30days they have to respond

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
XXXX b this is not me due to a date breach please do not send to a third party and take off of my credit immediately please. 

according to USC 16 92G I will need a detailed list of the payment history I want to see the original signature that I agreed to on the contract has there been any insurance claims on this debt? I would like to see the chain of title you have to collect on this debt. 

All in all my information was leaked and a bunch of things have been opened in my name. Now according to the law I will need theses taken of my credit 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 explanation
Consumer complaint received 2025-02-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: VA

Complaint narrative:
shows charge off on my account meaning i should have received a tax form from company but yet my information was sold to a debt collector who is calling and sending messages to sue about amount that i never send a contract with

Company response to consumer: Closed with explanation