vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions.

I insist on the removal of all utilization data from the mentioned accounts.

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts.

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.

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 2024-03-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
XXXX XXXX  ran my credit without my knowledge on these dates XX/XX/XXXX XX/XX/XXXX XX/XX/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 2024-03-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: V and H Portfolio
State: PA

Complaint narrative:
So, I did receive the documents from Vance Huffman, but again this is not mine. And I really am disgusted with the attitude that they project because just because there's a debt it must belong to me. Collection companies are all the same. I asked them if they had tried to contact me regarding this debt and she said they did, And When I asked when she told me by email. So, I went through all of my emails and there is no correspondence` from Vance Huffman or any phone calls or voicemails. In fact, the lady I spoke to was rude and inconsiderate and sounded like she was bothered by me asking questions that I have a right to ask. So, they slapped it on my credit report. And I will fight to get it off because it is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2024-03-27 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: SYNCHRONY FINANCIAL
State: NM

Complaint narrative:
I purchased an item from a Business XXXX, using my PayPal credit card, the amount is {$1600.00}, in the first part of the Month of XX/XX/XXXX, the merchandise showed up delivered at my door broken/damaged, the following day I contacted the seller via email, to let them know of the damaged item, and that I will be shipping it back to them, he asked me to email photos of the damaged item to assist him in getting an insurance claim going with XXXX, I forwarded the pictures to him, I then called XXXX and had them come to my home inspect the damaged item and return to the sender, the XXXX  tracking return # is XXXX, XXXX  sent me an email stating that on XX/XX/XXXX the package was received and signed for by XXXX XXXX XXXX XXXX. XXXX TN at XXXX. I was assured by the seller that he refunded my {$1600.00}, back to my account, I have not received credit from Synchrony Bank/Paypal , I have made a total of 7 disputes starting from XX/XX/XXXX, XXXX XXXX, XXXX, XXXX and XX/XX/XXXX, and my latest dispute was on XX/XX/XXXX, Synchrony Bank/PayPal refuses to refund my money, credit back my credit card account, most recently my credit report shows a 30 day late on my account, my credit score prior to was a XXXX score now it is a 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 monetary relief
Consumer complaint received 2024-03-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS

Complaint narrative:
The absence of valid evidence corroborating its accuracy and its reporting without substantiated proof contravene the 15 USC 1681i ( 7 ). I urge for the swift removal of this account unless sufficient evidence affirming its validity is furnished.

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 2024-03-27 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:
FCRA 605B appears to necessitate the elimination of any erroneous accounts from my credit report. Would you mind examining the documents? Some of the listed accounts inaccurately reflect their reporting.

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 2024-03-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Its been over 30 days the creditor hasnt update the information on my report or provided proof/ documents in regards to a late payment with the consumer XXXX XXXX XXXX ACCOUNT OPEN XXXX XXXX late payments reported on XX/XX/XXXX and XX/XX/XXXX. This must be deleted soon as possible. Under the federal law they had 30days to complete there investigation and fail to do so. I would like this be delet off my XXXX, XXXX, equinox. Report. This is a violation of 15 USC1666B which is a violation of my rights

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 2024-03-27 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
Eliminating this inaccurate account from my credit report is formally requested. I did not authorize its creation or usage. Enclosed are the documents necessary to substantiate my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-27 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. 

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 2024-03-27 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: NC

Complaint narrative:
FAILURE TO REMEDY DISPUTE FOR CLIENT SERVICES WHICH WERE NOT CONDUCTED CORRECTLY AND NEEDED ITEM REPLACEMENT AND DUMPING OF DAMAGED ITEMS.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-03-27 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: TX

Complaint narrative:
The information reported in my credit reports contains inaccuracies that have misrepresented me to new creditors reviewing my credit applications. 
These discrepancies in the reported data are causing confusion and contradictions. Consequently, I request the correction of these inaccuracies and the removal of the incorrect items from my credit reports.

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 2024-03-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I have consistently maintained on-time payments for this account, preventing any occurrences of overdue payments. The reasons behind the late payment remarks reported on my accounts are not clear. In accordance with 15 USC 1666b - Billing Error, corrections should be made.

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 2024-03-27 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: AL

Complaint narrative:
A certified letter was mailed to XXXX XXXX XXXX, XXXX. in XX/XX/XXXX requesting debt validation for an account they allege I owe. I am disputing this account, in addition, their office neglected to provide any information reflecting the ownership of this alleged account while sending information with a different alleged account number than what they are claiming I owe. 

The document I received from XXXX XXXX XXXX, XXXX. dated XX/XX/XXXX consisted of 19 pages,14 of those pages was a copy of a Revised Card Agreement. Please note, this Revised Card Agreement is generic with no dates to show when the agreement was revised, any affiliation I have to this Revised Card Agreement. In addition, this office neglected to provide validation pertaining to me agreeing to the Revised Card Agreement. There were three ( 3 ) pages of a XXXX XXXX XXXX  Credit Card Statement. The first statement shows a different account number this office alleges I owe. How is the alleged debt validated when the information this office provided isn't what they are reporting on my credit report? XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX. 's claim to have validated a debt with different account information than what they are reporting. 

Page 3 -Statement 1 - XX/XX/XXXX - XX/XX/XXXX - different account number Page 4 - Statement 2 - XX/XX/XXXX - XX/XX/XXXX Page 5 - Statement 3 - XX/XX/XXXX - XX/XX/XXXX To simplify, the documents received do not match what this office is reporting, despite them reporting to CFPB they validated the alleged debt, which is false. This office sent 3 different statements for two ( 2 ) different alleged credit card accounts. 

XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX. has claimed this alleged debt belongs to me without validation. The items requested by me are as follows : copies of an agreement that grants XXXX XXXX XXXX, XXXX. and LVNV Funding LLC to collect this alleged debt // a signed agreement with my wet signature made with LVNV Funding LLC or XXXX XXXX XXXX XXXX  XXXX XXXX or other verifiable proof I have a contractual obligation to pay this alleged debt. I also requested copies of all statements while this alleged debt was open, the exact date alleged debt was open, the exact date alleged debt first became delinquent and copies of all payment history/payment methods for this alleged debt. All of which their office failed to provide. 

Attached is the 19-page document I received from XXXX & XXXX XXXX XXXX. 's office. 

I have the right to have accurate, true and correct information reported to my credit profile and to consumer reporting agencies. As it stands they have not provided anything that shows any type of contractual agreement of this alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-27 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: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
On XX/XX/XXXX, a Chase Amazon Visa was fraudulently opened in my name and a charge posted on XX/XX/XXXX in the amount of {$220.00}. i visited the Chase branch shortly thereafter and disputed the fraudulent charge and requested a refund to my bank account that was impacted.

I later received a letter from Chase bank that {$190.00} would be refunded to my checking account. The letter stated a minimum payment of {$35.00} would still be due on the credit card and {$35.00} was added to the account balance and due. 

I was confused and visited the Chase branch once again on XX/XX/XXXX advising that the card should have been closed per the banker on the first XXXXhase visit, as it was fraud, but the account was still open. The banker called the credit card fraud department representative who confirmed {$190.00} that was charged by the bank will be credited and closed. 

However, I advised the representstive that I was still awaiting {$35.00} refund that has not been given. 

I am still awaiting this {$35.00} refund to date. I called the Chase customer service number on the bank of my credit card and confirmed this credit card is closed even though I couldnt verify the credit to offset the charged amount of {$190.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-03-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I've consistently made sure payments are made on time for this account, avoiding any instances of overdue payments. The reasons for the reported late payment remarks on my accounts remain unclear to me. As per 15 USC 1666b - Billing Error, corrections should be made.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Ensuring timely payments has always been a priority for me regarding this account, never allowing them to be overdue. The origin of the late payment remarks on my accounts is uncertain to me. Referring to 15 USC 1666b - Billing Error, corrections should be made.

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 2024-03-27 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: WA

Complaint narrative:
My credit card was stolen around XX/XX/XXXX and a replacement card was requested from my bank ( Bank of America ). However the suspect was able to use my original bank card while I was waiting for my new card to arrive in the mail and use it at various locations listed below without my consent for a total charge of {$1000.00} The amount was posted to my credit card account on XX/XX/XXXX. 
XX/XX/XXXX - XXXX XXXX {$140.00} XX/XX/XXXX - XXXX XXXX XXXX {$270.00} XX/XX/XXXX - XXXX XXXX XXXX {$64.00} XX/XX/XXXX - XXXX XXXX {$160.00} XX/XX/XXXX - XXXX {$200.00} XX/XX/XXXX - XXXX XXXX {$110.00} XX/XX/XXXX - XXXX XXXX {$78.00} I filed a fraud claim to the bank on XX/XX/XXXX but it was rejected and the amount was still posted to my account. The reason was " The chip was read, your PIN was entered, and/or you signed for the merchandise or service, which indicates you or someone you allowed to use your card was present. '' I called customer service again on XX/XX/XXXX to dispute this result because my card was stolen and I did not make these transactions but they would not allow me to file a new claim or reopen the older claim. I have filed police reports because my card was indeed stolen.

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 2024-03-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2024-03-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I am writing to dispute the presence of the hard inquiries on my credit report as listed below. These inquiries were made without my knowledge or consent, and I request their immediate removal from my credit file. 

Please see attached letter and FTC Report for the inquiries that I am disputing.

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 2024-03-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCB Management Services Inc.
State: SC

Complaint narrative:
There are unlawfully reporting an unauthorized account on my consumer report. I never gave NCB Management service permission to put anything on my credit file. This company is in violation of 15 USC 1692g. As the original creditor only I can validate this debt and I do not validate this debt. I never signed a contract with NCB Management service Im not sure how they got my information. This company is not license to collect in South Carolina and I have sent out a cease and desist which they have receive ( XXXX XXXX XXXX XXXX XXXX XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
Chase closed my account without properly investigating the unauthorized funds charged by farfetch and XXXX on the account. Chase stated that they closed my account ending in XXXX on XX/XX/2024. Chase also stated that they released and mailed the funds to my address. It has been more than XXXX business days since XX/XX/2024 and I have not received a check from chase. I asked chase could I go into a local branch to receive the check and chase declined. I asked chase. I called chase several times and they then stated that the check mailed out on XX/XX/2024 instead of XXXX XXXX. Chase said I should wait until XX/XX/XXXX, XXXX to receive the check in the mail and I still did not receive the check in the mail on XX/XX/2024. There are XXXX amounts in which chase states the check amount would be {$1700.00} and {$2400.00}. Chase also closed the kid/teen checking account for debit card ending in XXXX and did not issue a check.

Company response to consumer: Closed with explanation