vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I recently reviewed my credit report and discovered accounts that appear to be inaccurately reported. I contacted the company directly to address these discrepancies, but they have failed to provide the required validation information as outlined under 12 CFR 1006.34 ( b ) ( 5 ). Despite this, the accounts remain on my report, which I believe is a violation of my consumer rights. 

I am requesting that these accounts be removed immediately or that the company provides full validation as required by law. Their failure to comply has caused unnecessary stress and potential harm to my creditworthiness.

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 2025-01-12 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I recently reviewed my credit report and discovered accounts that appear to be inaccurately reported. I contacted the company directly to address these discrepancies, but they have failed to provide the required validation information as outlined under 12 CFR 1006.34 ( b ) ( 5 ). Despite this, the accounts remain on my report, which I believe is a violation of my consumer rights. 

I am requesting that these accounts be removed immediately or that the company provides full validation as required by law. Their failure to comply has caused unnecessary stress and potential harm to my creditworthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-12 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
It has come to my attention that my personal information has been exposed in a national breach after reviewing my credit report I noticed some accounts i am not familiar with I have ask the XXXX 's for validation of debt however the information has not been provided due to my information being exposed, I have submitted a FTC complaint reporting the information I am not familiar with Please find attached copy of my ID. The FTC complaint a copy of the XXXX report showing my information being exposed in the national data breach and a validation of debt letter.

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 2025-01-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Subject : Formal Dispute of Inaccurate Information on Credit Report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Experian Dispute Department XXXX XXXX XXXX XXXX XXXX XXXX  Dear Experian Dispute Department, I am writing to formally dispute inaccurate information on my credit report. I have identified the following discrepancies : Account Name : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Inaccuracy : Late Payments I have previously disputed these inaccuracies, yet they remain unresolved on my credit report. I am aware that the Consumer Financial Protection Bureau ( CFPB ) recently filed a lawsuit against Experian, alleging inadequate investigations into consumer disputes and the reinsertion of deleted false information into credit files. 

In accordance with the Fair Credit Reporting Act ( FCRA ), I request that you conduct a thorough investigation of my dispute and correct these inaccuracies promptly. Please provide written confirmation of the corrections or, if you believe the information is accurate correspond with truth and fairness. 

Please reinvestigate these matters and update my credit report to reflect accurate information. I expect a response within 30 days, as stipulated by the FCRA. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I recently reviewed my credit report and discovered accounts that appear to be inaccurately reported. I contacted the company directly to address these discrepancies, but they have failed to provide the required validation information as outlined under 12 CFR 1006.34 ( b ) ( 5 ). Despite this, the accounts remain on my report, which I believe is a violation of my consumer rights. 

I am requesting that these accounts be removed immediately or that the company provides full validation as required by law. Their failure to comply has caused unnecessary stress and potential harm to my creditworthiness.

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 2025-01-11 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: PA

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. 
Please delete the items as soon as possible.

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 2025-01-11 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: PA

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. 
Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-12 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: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/XXXX I called Citibank alerting them that someone was trying to open a credit card on my name ( because I received a text message from them ) but I didn't apply for it. They replied, don't worry no credit card has been opened on your name. 
I reached to the credit bureau and I put an identity theft and fraud alert. 
On XXXX I received an email from citibank telling me that I have a balance in " my citi XXXX XXXX card '' and that I need to pay it. 
I called citibank fraud department and I told them I didn't open that credit card, they said they will take care of it. 
On XXXX I have an impact on my credit report score because " I have an unpaid credit card citi diamond ''. I called again and they said they will send a letter to the credit bureu to remove the hard inquiry and the overdue for that credit card. 
On XXXX I called again because the problem was still there, they told me it would take time to reflect the change on my report. 
I am still having the problem and I am receiving emails from citibank telling me to pay that card

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 2025-01-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On Tuesday XX/XX/XXXX I attempted to send my mother, XXXX XXXX, {$2000.00} through XXXX from my Chase Bank account to phone number ( XXXX ) XXXX. As soon as I submitted the payment, I realized that I had made an accidental transfer by sending the payment to my mothers old cell phone number, which she has not had since XXXX of XXXX I immediately text messaged the recipient to refund the money. I have sent multiple text messages to the new owner of that cell phone number begging that they return the funds. I am a XXXX XXXX, and these funds were for my mom to pay my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Even my girlfriends father, who is a federal law enforcement agent, has sent a text message with his business card showing hes in law enforcement and asking that the funds be returned, or a case will be filed. All messages show read by the recipient, but he is not responding to any of our messages and as of today money has not been returned. I contacted XXXX and they said I had to work it out with the reciever or to contact my bank. I filed a complaint through XXXX immediately after the transaction, by phone on XX/XX/XXXX, but was told not much can be done but banking Regulation XXXX protects consumers from accidental ( errors ) or fraudulent electronic transfers from XXXX platforms such as XXXX. The recipient of the funds willingly accepted the money knowing this was an accidental transaction and that he is not owed the funds. ( XXXX transactions require the recipient to manually accept the funds to be able to receive them. ) Through this action and my immediate notification to him about the erroneous transaction, he has now committed theft of funds which should be investigated and credited back to me by my bank. I have also filed a case with the XXXX XXXX XXXX XXXX XXXX website and my local police department ( XXXXXXXX XXXX XXXX, Case- XXXX ). XXXX is refusing to provide a provisional credit, and has led me to believe that I will not get credited back the money their " investigation '' because they are stating I sent somebody money but this was due in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I installed XXXX A/C wall units and service provided by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX The credit is by Synchrony. A financing company told me that attach a lien to my property. I had never missed a payment at all. Neither did XXXX XXXX XXXX DISCLOSED this when I signed up nor any information by Synchrony. 
I plan to sell my home and this will create a problem to sell my property. 
I called XXXX XXXX XXXX XXXX and staff DENIED and I called Synchrony and staff ALSO DENIED it.

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 2025-01-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
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: MI

Complaint narrative:
Submitted inquiry XX/XX/year>XXXX XXXX they stated it was verified and updated as such results were not sent upon request only stated verified complaint was also filed here and again significantly later than the allowed time Id like this removed

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute an unauthorized item on my credit report as permitted under Section 605B of the Fair Credit Reporting Act ( FCRA ). According to this section, it is illegal to report information on my credit report without my permission or that is the result of identity theft or error. 

The item in question is : Creditor Name : CITI CARDS/CITIBANK Account XXXX : XXXX Date of XXXX This item has been placed on my credit report without my authorization or involvement. As per Section 605B of the FCRA, I am requesting the immediate removal of this item from my credit report. 

I request that you investigate this matter promptly and provide written confirmation that the item has been removed from my credit report. Please also send me an updated copy of my credit report reflecting the removal of the disputed information. 

If you have any questions or require further information, I can be reached at XXXX Thank you for your prompt attention to this matter. I look forward to your resolution within the XXXX time frame as required by the FCRA. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have pulled my consumer report for the second time and I have noticed that XXXX and Transunion are both reporting innaccurate and unverified accounts on my consumer report. I have requested the names of the people responsible for verification of these accounts and what method was used to come to the determination. According to fcra consumer law it is my right to have this information IN WRITING! I would also like proof of the the original contract for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX both being reported by Transunion and XXXX!!!! I have no knowledge of these accounts and I am absolutely disgusted at the fact that this matter is being ignored after proper procedure being followed. This has caused severe XXXX XXXX XXXX  that my personal information has been allowed to be shared without my written consent and then put me in position to be threatened by debt collectors and unknown sources to garnish my wages or take me to court! Please fix this matter or respond in XXXX days!! Its already been past XXXX days that I have addressed 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 non-monetary relief
Consumer complaint received 2025-01-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
RC/ Resurgent Receivables and XXXX XXXX are unlawfully failing to properly investigate my disputes and are not taking sufficient steps to intake, process, investigate, and notify agents about my disputes, resulting in the inclusion of incorrect information on credit reports. Inaccurate or false information on my consumer reports which is threatening my access to credit, employment, and housing. 

When I disputed errors on the account including but not limited to ownership, amounts, and/or identity theft on this report, RC/Resurgent conducted sham investigations rather than properly reviewing the disputes as required by federal law, dismissed my information and dispute and vindictively placed it on my credit report without my consent or telling me I had the option to opt out reporting innacurately, libelously, and/or reporting income which is a violation of law. These Credit reporting errors have had serious consequences for a familys finances.

Remove all fraudulent information which is being used to discriminate and/or hinder me and my family from progressing systemically. I DO NOT CONSENT to any unlawful or unvalidated reporting. Also, i demand that any inquiries found on my report by which I have not received benefit, funding, contract, or lawful agreement after which inquiry was made be REMOVED IMMEDIATELY UNDER PENALTY OF LAW. 

And I am to be XXXX XXXXXXXX for the unverified libelous report and an additonal XXXX per week added beginning 10 days after the submission of this report for every week that the unverified information remains on the report. Accepting and recieving this notification is an acceptance of these non negotiable terms if lawful action ( removal and payment ) and response is not recieved within 10 days after the receipt of this report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-12 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: DC

Complaint narrative:
I've tried to use my giftcard at a store on several occasions, and via online as well, each transaction was declined ( in person and online ). 

I tried calling american express and was advised by the teleprompter to visit other stores to try again.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-01-12 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: CO

Complaint narrative:
I was contacted by Genesis, a debt collection company based in XXXX, WA, regarding a debt originating from an apartment rental in Oregon. The original balance was {$6600.00}, and after my roommate made payments, the remaining balance was {$3800.00}. On XX/XX/year>, my roommate made a further payment of {$340.00}, reducing the balance to {$3400.00}. I have not made any payments toward this debt myself. 

I was unaware of any prior communication between Genesis and my former roommate regarding this debt. The first contact I had with Genesis was when they reached out to me directly. During multiple interactions with Genesis, their representatives displayed unprofessional behavior and refused to comply with my rights under the Fair Debt Collection Practices Act ( FDCPA ). On the phone, I requested written validation of the debt as required by law, but they repeatedly refused to provide any written documentation, which is a violation of my rights. Specifically : XXXX, the initial representative, verbally refused to provide written validation of the debt and attempted to intimidate me. 
XXXX XXXX, the manager, reiterated the same refusal and used high-pressure tactics, including XXXX  credit reporting if payment was not made by XXXX XXXX XXXX. 
Despite these unprofessional actions, I informed them that I would make the payment to prevent credit damage, but I was dissatisfied with their refusal to validate the debt or communicate respectfully.

I want to ensure that Genesis is held accountable for their refusal to validate the debt, as well as for their coercive tactics and verbal harassment. I am requesting a formal resolution, including written validation, cessation of unlawful practices, and penalties for their violations of the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Dear Experian, I am writing to demand the immediate deletion of the following accounts and inquiries from my credit report due to inaccuracies and Experian 's failure to conduct proper investigations, as highlighted in the recent Consumer Financial Protection Bureau ( CFPB ) lawsuit against your organization ( Consumer Financial Protection Bureau XXXX Experian, XX/XX/XXXX ). 

Accounts to Be Deleted Immediately, Without Further Investigation : XXXX XXXX - Account # : XXXX XXXX XXXX - Account # : XXXX XXXX XXXX - Account # : XXXX XXXX XXXX  XXXX - Account # : XXXX XXXX XXXX Account XXXX : XXXX XXXXXXXX XXXX  - Account # : XXXX XXXX XXXX - Account XXXX : XXXX XXXX XXXX XXXX  - Account # : XXXX XXXX XXXX XXXX  - Account # : XXXX Inquiries to Be Removed Immediately : XXXXXXXX XXXX - XXXX XXXX - XX/XX/XXXX - Experian XXXX XXXX XXXX - XXXX XXXX - XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX Experian XXXX XXXX XXXX - XXXX XXXX - XX/XX/XXXX - Experian XXXX XXXX - Auto Dealers, Used XXXX XX/XX/XXXX - Experian XXXX XXXX XXXX XXXX - Auto Financing XXXX XX/XX/XXXX - Experian Violations of My Rights Under the FCRA As detailed in the CFPB lawsuit, Experian has failed to comply with the Fair Credit Reporting Act ( FCRA ) by : Conducting XXXX investigations instead of proper reviews of consumer disputes. 
Improperly reinserting inaccurate information without adequate procedures to prevent reoccurrence. 
These failures violate my rights under the FCRA, and I am therefore demanding the immediate removal of the aforementioned accounts and inquiries without further investigation. 

Legal Obligations Under the FCRA, Experian is obligated to ensure the accuracy of consumer reports and to address consumer disputes promptly and effectively. Any further delays or improper handling of this matter will result in escalated complaints to the CFPB and potential legal action. 

Action Required Delete the specified accounts and inquiries immediately. 
Confirm the deletions in writing within XXXX days of receiving this letter, as required by law. 

If this issue is not resolved promptly, I will escalate my complaint to the CFPB and explore legal remedies to address Experian 's violations of my rights. 

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