vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-28 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: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : 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 2025-02-28 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 DEMAND THAT THESE FRAUDULENT HARD INQUIRIES BE PERMANENTLY DELETED FROM MY CREDIT PROFILE IMMEDIATELY. PLEASE SEE THE ATTACHED DOCUMENT.

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 2025-02-28 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: EQUIFAX, INC.
State: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-28 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I am receiving repeated phone calls from Portfolio Recovery Associates phone number XXXX. These people are ruthless and need to be stopped!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-28 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: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
On XX/XX/year> - we were scammed by a company called XXXX XXXX XXXX XXXX. For our {$23.00} taxi ride, we were charged {$1900.00}. We had originally asked the driver how much our fare would cost and he replied " cash meter ''. When the ride was over, he put a different amoutn ( XXXX pesos ) into his machine than was showing on his meter ( XXXX pesos ). The taxi driver told us that he could not provide a receipt when we got out of the cab. We knew that this was fishy, so we checked our credit card app and saw that we'd been scammed. We immediately called Barclay Bank ( this was a Barclay 's JetBlue Card ) and told them what happened. We asked them not to honor the charge. They said that they had to wait until the charge posted to my account. The charge posted XXXX days later. The original charge on XX/XX/XXXX listed the Merchant as " unknown '', but two days later, the merchant was listed as a " travel agency '' named XXXX XXXX. 

Barclays has twice denied our dispute to this charge, claiming that we have not provided sufficient documentation. We were not given a receipt, so there is no documentation to provide. Our research has revealed many many scam complaints against XXXX XXXX XXXX. We believe that Barclay should have alerted us right away to this suspicious charge, and that they should reimburse us for this fraudulent charge. Thank you.

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 2025-02-28 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
Request for Debt Validation to Help Dear XXXX, I am writing to request validation of the debt referenced above. Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request validation of this debt. Please provide me with the following information : XXXX. The full amount of the debt, including any interest, fees, or charges. XXXX. The name of the original creditor and their contact information. XXXX. A copy of the original signed contract or agreement that created this debt. XXXX. A detailed statement outlining the dates and amounts of all payments made, and the remaining balance on the account. XXXX. Documentation verifying that you are authorized to collect this debt on behalf of the original creditor. In accordance with the FDCPA, I ask that all collection efforts cease until you provide the requested documentation. If you can not provide the necessary validation, I request that you cease all further collection actions and remove any negative reports related to this account from my credit file. Please send the requested documentation within XXXX  days of receipt of this letter. If you fail to provide the validation, I will consider the debt invalid and take appropriate action. Thank you for your attention to this matter. I look forward to your prompt response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ).

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 2025-02-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
On XX/XX/year> I certified mailed ( XXXX XXXX XXXX XXXX XXXX XXXX ) TO TRANSUNION FTC ( # XXXX DATE : XX/XX/year> ) REPORT. THEY RECIVED IT ON XX/XX/year> XXXX. I CALLED TRANSUNION TO SEE IF THEY PUT THIS ACCOUNTS ON DISPUTE. WHEN THE LADY PICKED UP THE LINE SHE VERIFIED ME, THEN I ASKED HER IF YOU COULD SEE MY FTC PAPERWORK SHE SAID THERE IS NO PAPERWORK. I TOLD HER THE DAY AND TIME TRANSUNION RECIVED IT. I TOLD HER CAN I TALK TO A SUPERVISOR SHE SAID THEY CAN NOT DO ANYTHING. SHE WAS SO RUDE AND SHE WOULDNT TRANSFER THE CALL. I TOLD HER CAN I HAVE YOU NAME PLZ BECAUSE I AM GOING FILE A COMPLAIN AGAINS YOU. SHE PUT ME ON HOLD WITH OUT GIVING ME HER NAME. NOW I HAVE BEEN ON HOLD OVER XXXX HOURS 15 MIN AND COUNTING. IT IS NOT WRIGHT FOR THEM TO PLAY GAMES WITH MY CREDIT REPORT. 

ALL THIS ACCOUNTS LISTED ON MY FTC REPORT ARE DUE TO FRAUD, I WOULD LIKE THIS TO BE, REMOVED, DELETE, OR BLOCKED, BECAUSE THEY ARE DUE TO FRAUD. ALSO XXXX IS DOING THE SAME THING LOOSING MY FILE.

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 2025-02-28 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: 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-28 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: CITIBANK, N.A.
State: IL

Complaint narrative:
Fraud dispute was filed XX/XX/XXXX XXXX called for more information on XX/XX/XXXX Fraud dispute denied XX/XX/XXXX Called company XX/XX/XXXX at XXXX XXXX  cat to appeal and request and ask for supporting evidence on their decision to which I was belittled and laughed at what supporting documents supporting documents of cards having chips hahahah ) essentially being denied any evidence other then the physical card was used therefore its not fraud.

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 2025-02-28 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: EQUIFAX, INC.
State: MI

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-28 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:
I submitted a dispute to you regarding multiple inaccuracies on my credit report, including incorrect personal information ( name, addresses ) and multiple inaccurate account entries. Despite providing supporting documents, such as my driver 's license, proof of address, and social security card, you have failed to correct these errors. These inaccuracies impact my credit standing and violate the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to ensure maximum possible accuracy. Additionally, some of these accounts may involve debts that should have been reported differently under XXXX tax laws. I formally requested verification and removal of these items, but you have not taken appropriate action.

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 2025-02-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: First Technology Federal Credit Union
State: CA

Complaint narrative:
I sent FIRST TECH FEDERAL CREDIT UNION a 609 debt validation letter requesting the information that they have placed on my credit report. I did not receive validation from said 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 2025-02-28 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:
" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: CLGF Holdco 1, LLC
State: OR

Complaint narrative:
On XX/XX/XXXX, I received a XXXX XXXX through Concora credit in the mail to activate, but I never applied for this card. 

I called customer service, but refused to give them the last four digits of my social security number, which they asked for, because I never opened this account to begin with. They pulled up my info without it. They transferred me to their fraud department because I told them this is not a card I ever applied for. 

The lady in the fraud department let me know this card was opened XX/XX/XXXX. XXXX years ago?! I never even applied for a single credit card until the XXXX. I asked her why I would be getting the first ever card from this company now if this account was opened in XXXX? She didn't know. I told her I wanted to close the account. She dissuaded me from doing this because of the " fraud investigation '' they'd be sending me. I said, " what if you charge me fees? This isn't my account and I don't feel comfortable with an open account under my name I didn't open. '' She said there were no fees or charges and to wait until I receive my fraud investigation in the mail. I got off the phone. 

What do I do? This sounds like a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-28 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: MI

Complaint narrative:
These can be combined on my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2025-02-28 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: MA

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-28 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: World Acceptance Corporation
State: LA

Complaint narrative:
To whom It May Concern.

THIS IS A NOTICE THAT YOUR CLAIM IS DENIED AND DISPUTED Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you 'ALLEGE '' 1owe.

I am requesting proof that : 1 ) I am indeed the party you are asking to pay this debt ; 2 ) You possess original creditor documentation/business records with a full accounting using Generally Accepted Accounting Principles ( charges. payments, interest, eec. ) of the amount of this debt that can be presented as evidence. Also explain and show me how you calculated what you say I owe ; 3 ) Your claim is legally supported by a sworn affidavit from someone with personal knowledge of these business records ; 4 ) There is some valid contractual obligation which its binding on me to pay this debt, and 5 ) You, as a debt collection agency, produce documentation from the alleged creditor authorizing you to contact me and pursue the collection of an alleged debt that you or your client has ownership of this debt ; 6 ) You must show proof show that you are legally registered in the state of Louisiana and a legal debt collector and show your Louisiana business license with your business insurance bond and bond stamp on it. Only number on a piece of paper is not valid proof.

Your legal staff will agree that compliance with this request is required under the laws of Louisiana and Federal Statutes.

Also be advised that this letter is not only a formal dispute, but a request that you stop any and all collection activities pursuant to the Fair Debt Collection Practices Act. CEASE AND DESIST CONTACT AND DELETE SAID ITEMS FROM MY CREDIT REPORT UNTIL THE INVESTIGATION IS COMPLETE. ALSO, DO NOT EVER CALL ANY OF THE PHONE NUMBERS THAT ARE PUBLICLY LISTED IN MY NAME.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-28 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: MI

Complaint narrative:
" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates XXXX XXXX XXXX regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. 
The Fair Credit Reporting Act ( XXXX XXXX Code XXXX ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''

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