vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-05 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: TX

Complaint narrative:
I am writing to formally dispute accounts and inquiries listed on my consumer credit report ( referenced below ) that are the result of a data breach or fraud. Additionally, I demand verifiable proof, including my signature or electronic signature, to validate these actions. 
This letter is written on my behalf and not through a third party, so I urge you to review it carefully. I did not authorize these actions, which constitute a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ), specifically : Section 605B : Block of Information Resulting from Identity Theft [ 15 U.S.C. 1681c-2 ] Section 604 : Permissible Purposes of Consumer Reports [ 15 U.S.C. 1681b ] I have contacted the companies in question and confirmed that these actions were initiated without proper validation or original proof. The accounts and inquiries in question are inaccurate, as I did not authorize them. Therefore, they are either the result of a data breach or the illegal reporting of my consumer information by creditors or third-party data furnishers. 

I request that you take immediate action to investigate and remove the unauthorized entries from my credit report.

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 2025-01-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: KS

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/year> XXXX  XXXX XXXX XXXX XXXX, XXXX  XXXX Dear Credit Department I am writing in regard to the account with your company, which is associated with the following information : Account Number : XXXX Your Name : XXXX XXXX XXXX XXXX that I am not disputing the debt in question. I am simply requesting the following details for my records : XXXX. Date of First Delinquency The first date that the account became delinquent. 
XXXX. Date of Last Payment The most recent payment made on the account. 
XXXX. Date of XXXX The date the account was charged off. 
XXXX. A copy of the XXXX showing the charge off information I kindly ask that you provide this information as soon as possible. Please feel free to contact me at [ your phone number ] or [ your email address ] if you require any additional information to process my request. 
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 2025-01-05 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Revol Collections Ltd
State: CO

Complaint narrative:
Dear CFPB, I am filing this complaint regarding a false debt claim from XXXX XXXX XXXX  In 2019, my family and I arrived in the United States through the refugee program. Our sponsor, XXXX XXXX XXXX, rented a home for us. Unfortunately, during our stay, we experienced harassment, abuse, and profiling by neighbors due to our status as foreign nationals. We reported these issues to the property management, but no action was taken to resolve them. 

As a result, we decided to leave the property. At the time of departure, we left the property in good condition and had paid a security deposit of {$1900.00}. After moving out, we were surprised to receive a collection notice claiming additional charges. We firmly dispute this claim as we are not legally responsible for any outstanding amounts. 

We request the CFPB to investigate this matter and ensure that the company provides accurate documentation to support their claim or removes the false debt from their records. Additionally, we request that this collection effort cease immediately. 

Thank you for your assistance in resolving this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: KS

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX Kansas XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, PA XXXX Dear Credit Department I am writing in regard to the account with your company, which is associated with the following information : Account XXXX Your Name : XXXX XXXX Please note that I am not disputing the debt in question. I am simply requesting the following details for my records : XXXX. Date of First Delinquency The first date that the account became delinquent. 
XXXX. Date of Last Payment The most recent payment made on the account. 
XXXX. Date of XXXX The date the account was charged off. 
XXXX. A copy of the XXXX showing the charge off information I kindly ask that you provide this information as soon as possible. Please feel free to contact me at [ your phone number ] or [ your email address ] if you require any additional information to process my request. 
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 2025-01-05 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: TX

Complaint narrative:
I am writing to formally dispute the accounts and inquiries listed on my consumer credit report ( referenced below ) that stem from a data breach or fraud. I request verifiable proof, including documentation of my signature or electronic signature, to validate these actions. 

This letter is submitted on my behalf and not through a third party, so I ask that you review it carefully. These actions were not authorized by me and represent a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). 

I have contacted the companies involved and confirmed that these actions were initiated without proper validation or original proof. The accounts and inquiries are inaccurate, as I did not authorize them. Consequently, they are either the result of a data breach or the unlawful reporting of my consumer information by creditors or third-party data furnishers. 

I request that you take immediate action to investigate these matters and remove the unauthorized entries from my credit report promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-05 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: TX

Complaint narrative:
I am writing to formally dispute the accounts and inquiries listed on my consumer credit report ( referenced below ) that stem from a data breach or fraud. I request verifiable proof, including documentation of my signature or electronic signature, to validate these actions. 

This letter is submitted on my behalf and not through a third party, so I ask that you review it carefully. These actions were not authorized by me and represent a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). 

I have contacted the companies involved and confirmed that these actions were initiated without proper validation or original proof. The accounts and inquiries are inaccurate, as I did not authorize them. Consequently, they are either the result of a data breach or the unlawful reporting of my consumer information by creditors or third-party data furnishers. 

I request that you take immediate action to investigate these matters and remove the unauthorized entries from my credit report promptly.

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 2025-01-05 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: CA

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 non-monetary relief
Consumer complaint received 2025-01-05 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: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
i called chase card services because there was approximately a {$7000.00} difference on my freedom credit card statement.

i check my account at least 2 times a day daily to prevent fraud or to watch my account.

i have this account for about 20 years, for the last 2 statements ending in XX/XX/year> and XXXX XXXX i have had a credit balance for approximately {$3900.00} from returns and and a dispute resolution. 
I check my statements, notices and letters and balance numerous times per day. I did not receive any notice whatsoever or has anything changed on my statement on XX/XX/XXXX at XXXX XXXX  i went to bed with a {$3400.00} credit and when i woke i checked my account and i had a {$3600.00} balance. i spent 8 hours on the on the phone with chase with numerous departments and no one can give me the same answer????

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-05 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: TX

Complaint narrative:
I am writing to formally dispute the accounts and inquiries listed on my consumer credit report ( referenced below ), as they appear to stem from a data breach or fraud. I request verifiable proof, including documentation of my signature or electronic signature, to validate these actions. 

This letter is submitted on my behalf and not through any third party, so I urge you to review it thoroughly. These actions were not authorized by me and constitute a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). 

I have contacted the companies associated with these accounts and inquiries, and it has been confirmed that these actions were initiated without proper validation or original proof. Since I did not authorize them, the accounts and inquiries in question are inaccurate and either result from a data breach or represent the unlawful reporting of my consumer information by creditors or third-party data furnishers. 

I request that you promptly investigate these matters and take immediate action to remove the unauthorized entries from my credit report. Your timely response to this issue is greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-05 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: TX

Complaint narrative:
I am writing to formally dispute the accounts and inquiries listed on my consumer credit report ( referenced below ), as they appear to stem from a data breach or fraud. I request verifiable proof, including documentation of my signature or electronic signature, to validate these actions. 

This letter is submitted on my behalf and not through any third party, so I urge you to review it thoroughly. These actions were not authorized by me and constitute a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). 

I have contacted the companies associated with these accounts and inquiries, and it has been confirmed that these actions were initiated without proper validation or original proof. Since I did not authorize them, the accounts and inquiries in question are inaccurate and either result from a data breach or represent the unlawful reporting of my consumer information by creditors or third-party data furnishers. 

I request that you promptly investigate these matters and take immediate action to remove the unauthorized entries from my credit report. Your timely response to this issue is greatly appreciated.

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 2025-01-05 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: FL

Complaint narrative:
XXXX XXXX, Social Security Number : XXXX, Date of Birth : XX/XX/year> This complaint to the CFPB is being submitted to request that Equifax XXXX as a credit reporting agency, block the fraudulent information on my credit report related to identity theft and fraud, as required by FCRA 605B ( 15 U.S.C . 1681c-2 ). I ask that this action be completed within XXXX business days of receiving this complaint. The inaccurate and fraudulent information relates to the following accounts : XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XXXX, XXXX XXXX - XXXX These fraudulent accounts, along with several unauthorized hard inquiries, have appeared on my XXXX credit report. I have attached a list of the disputed hard inquiries and a copy of my credit report with the fraudulent entries clearly marked. I do not recognize any of these accounts or inquiries, as they were neither initiated nor authorized by me. This fraudulent activity has been fully documented. For your reference, I have also included a copy of my FTC Identity Theft Criminal Complaint, which confirms that these accounts and inquiries are a result of identity theft and fraud, as verified by the U.S. Federal Trade Commission. XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-05 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: TX

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 non-monetary relief
Consumer complaint received 2025-01-05 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: TX

Complaint narrative:
I am writing to formally dispute the accounts and inquiries listed on my consumer credit report ( referenced below ), as they appear to be the result of a data breach or fraudulent activity. I request verifiable proof, including documentation bearing my signature or electronic signature, to substantiate these actions. 

This letter is submitted directly on my behalf, not through any third party, and I kindly ask that you review it carefully. These actions were not authorized by me, and they violate my consumer rights under the Fair Credit Reporting Act ( FCRA ). 

I have contacted the companies associated with these accounts and inquiries, and it has been confirmed that these actions were initiated without proper validation or original documentation. Since I did not authorize them, these accounts and inquiries are inaccurate and likely stem from a data breach or unlawful reporting by creditors or third-party data furnishers. 

I respectfully request that you immediately investigate these matters and take swift action to remove the unauthorized entries from my credit report. I greatly appreciate your prompt attention to this issue.

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 2025-01-05 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: TX

Complaint narrative:
I am writing to formally dispute the accounts and inquiries listed on my consumer credit report ( referenced below ), as they appear to be the result of a data breach or fraudulent activity. I request verifiable proof, including documentation bearing my signature or electronic signature, to substantiate these actions. 

This letter is submitted directly on my behalf, not through any third party, and I kindly ask that you review it carefully. These actions were not authorized by me, and they violate my consumer rights under the Fair Credit Reporting Act ( FCRA ). 

I have contacted the companies associated with these accounts and inquiries, and it has been confirmed that these actions were initiated without proper validation or original documentation. Since I did not authorize them, these accounts and inquiries are inaccurate and likely stem from a data breach or unlawful reporting by creditors or third-party data furnishers. 

I respectfully request that you immediately investigate these matters and take swift action to remove the unauthorized entries from my credit report. I greatly appreciate your prompt attention to this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: MO

Complaint narrative:
I never received a required letter to dispute this as a valid debt. I sent a certified letter to Portfolio Recovery Associates office in XXXX XXXX and a certified letter to their office in XXXX XXXX XXXX. stating this and that they were in violation. I never received a response. The return receipt shows it was delivered XX/XX/year>. The one to XXXX XXXX office was delivered XX/XX/year>. I also requested in the sent letter that all communications need to go through mail and address provided. The company continued to call me at all hours of the day after receiving my request. These tactics that they do is unacceptable and against guidelines put in place to protect the consumer. I will attach a copy of the letter sent to both locations below.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-05 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
I am filing this complaint due to inaccurate and potentially deceptive reporting of an account by Resurgent Capital Services. Specifically : The account status is reported as charged off with a balance owed, despite my dispute of the debts validity. The dates of last activity are inaccurate and potentially violate the statute of limitations for reporting. Applicable Laws : Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( b ) : Requires investigation and correction of inaccuracies upon notice of dispute. Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692e : Prohibits false or misleading representations in debt collection. Pennsylvania Unfair Trade Practices and Consumer Protection Law, 73 P.S. 201-3 : Prohibits deceptive practices in business operations. Steps Taken : I sent a formal dispute letter to Resurgent Capital Services requesting : Validation of the debt, including original creditor information and proof of ownership, under 15 U.S.C. 1692g ( b ). Correction or removal of inaccuracies in reporting. Cessation of reporting this account until the dispute is resolved. To date, I have not received adequate documentation or a resolution, and the inaccurate information continues to harm my credit standing. Under the Fair Credit Reporting Act ( FCRA ), specifically Section 623, Resurgent Capital Services are required to provide accurate and complete information to the credit reporting agencies and to investigate disputes regarding the accuracy of the information they furnish. I believe the information Resurgent Capital Services have reported about this account is inaccurate and must be corrected or removed immediately.

Company response to consumer: Closed with non-monetary relief