vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-28 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: MD

Complaint narrative:
Per 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. 

XXXX : # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX # XXXX, XXXX : # XXXX, has violated my rights. 

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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-28 00:00:00
Product: Credit card — Store credit 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: Klarna AB
State: SC

Complaint narrative:
I have tried contact the XXXX store on several occasion to resolve issue and to return the item back. They don't have live agent to speak to regarding your concern. Their main communication is through chat. It takes a chat agent long time to respond. You can be waiting for hours just to have someone respond. 

I contact the Klarna on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. XXXX XXXX XXXX XXXX online store. I contact this online chat agents XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. The XXXX agents delete my communication that I had in XXXX with them. 

Klarna has not turned me over to a collection agency for XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX, KS XXXX total debt XXXX. 

This debt should not have been there if the XXXX would accepted the item back. I contacted them in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
I have a new collection from debt collection agency XXXXXXXX XXXX in the amount of {$1700.00} from original creditor Web bank which owns the XXXX credit card. 
I did have this credit card back in XXXX. The initial credit line was {$500.00} and I have had issues with fraudulent charges. I am enclosing the one that was investigated through the XXXX and XXXXXXXX XXXX XXXX department and deemed as fraud. 
I also have been a victim of identity theft which has been made aware to this company, XXXX XXXX  as well as others I have submitted claims for. 
Once that initial fraud came back in 2022, I immediately closed the account and paid down the balance which at the time was less than {$200.00}. 
Now, years later in the midst of my identity theft crime, this account has been sent to collections with a {$1700.00} balance. 
I did not authorize any more use of that account, and once it was closed it was obtained fraudulently. 
I am not responsible for this and am asking for XXXXXXXX XXXX and the original creditor Web bank to recognize this and immediately cease collections attempts and reporting on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 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. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-28 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Information belongs to someone else
Company: Westlake Services, LLC
State: WA

Complaint narrative:
COPY OF LETTER SENT TO THEM : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Date : XX/XX/year> Westlake Financial XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Debt Validation Request for Alleged Debt Account Dear Westlake Financial, I am writing to formally request validation of an alleged debt reported to my credit file under my name in the amount of {$38000.00}. I have reviewed my credit report and do not recognize this debt. Under the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to request full validation of this debt, and I ask that you provide the following information : The name and address of the original creditor. 
A detailed account statement outlining the basis of the {$37000.00} debt. 
Proof that I am legally obligated to pay this debt. 
Please consider this letter a formal dispute of the debt. Until you provide the requested information, I ask that you cease any collection efforts and immediately notify the credit bureaus to remove this account from my credit report, as it is currently causing damage to my credit standing. 
If you are unable to provide proper validation of this debt, I expect that the account will be promptly removed from my credit file and that I will receive written confirmation of this action. 
Thank you for your prompt attention to this matter. 
Sincerely, 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 2024-09-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: AZ

Complaint narrative:
Subject : Urgent Complaint Against XXXX XXXX XXXX and PayPal Dear XXXX, I am writing to express my deep frustration and concern regarding the ongoing issues I have faced with XXXX XXXX XXXX and PayPal in relation to my winnings and the subsequent handling of my case. 

As previously mentioned, I won {$1500.00} from XXXX and, after receiving an initial payment of {$500.00}, I have been unable to access the remaining {$1000.00} due to the merchant blocking me and canceling my invoices. I attempted to resolve this through PayPal, only to be informed that while they acknowledged the payment was authorized, they could not override the merchant 's bank due to the chargeback process initiated by the merchant. 

PayPal representatives indicated that the merchant 's bank would conduct an investigation that could take up to 75 days. It has now been 90 days with no updates or resolution regarding my funds, which remain on hold. I am additionally holding the merchant accountable for the outstanding {$1000.00} that they owe me. 

I have taken all necessary steps, including filing a police report and an XXXX report, to address this situation. However, I feel that I have been left with no protection and my rights have been violated throughout this process. The treatment I have experienced has been unfair and unjust, leading to significant distress and suffering. 

I am now prepared to pursue legal action against XXXX, PayPal, and the merchant 's bank for my losses, emotional pain, and suffering as a result of this situation. It is unacceptable that all parties involved have failed to take responsibility and provide a resolution. 

I urge you to take action in this matter and help facilitate a resolution. Thank you for your attention to this serious issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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 XXXXXX/XX/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 2024-09-28 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: NY

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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 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 2024-09-28 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: First Federal Credit Control, Inc.
State: FL

Complaint narrative:
I received a notification from XXXX via email notifying me a new account was added to my credit file. After investigating I saw XXXX XXXX notified the credit reporting agencies I had a debt. And I did a skip trace and they couldn't find me. So I was never notified of the debt or given a chance to dispute.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-28 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Upon reviewing my credit report, I discovered several accounts that I do not recognize and believe to be fraudulent. These accounts appear to be opened without my authorization, and I am deeply concerned about the potential impact on my credit standing and financial well-being. I suspect that I am a victim of identity theft, as I have not initiated or authorized the opening of these accounts. The presence of these unauthorized accounts on my credit report has caused me significant distress and uncertainty about the security of my personal information. I have attached a copy of my credit report highlighting the unrecognized accounts for your reference.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: SANTANDER HOLDINGS USA, INC.
State: AL

Complaint narrative:
I am filing this complaint regarding the involuntary repossession of my vehicle by Santander Consumer USA in XXXX of XXXX. I believe that the repossession and subsequent sale of the vehicle were conducted in violation of Alabama law pursuant to Code of Alabama 7-9A-611 and the federal Fair Debt Collection Practices Act pursuant to 15 U.S. Code 1692e and 15 U.S. Code 1692f, as I did not receive any of the required notices before or after the repossession. Specifically : 1. I did not receive any communication outlining my right to redeem the vehicle by paying off the balance before it was sold.

2. I was not notified of the intent to sell, nor the date and location of the sale of my vehicle.

3. I was not notified when my vehicle was sold, nor provided with any documentation regarding the sale price or any deficiency balance.

After the vehicle was sold, Santander Consumer USA did not provide any notices regarding a deficiency balance. I found out about the alleged deficiency balance of {$5900.00} after Santander Consumer USA reported it to the three major credit bureaus. Given that I was not informed about my rights or given the opportunity to redeem my vehicle, I believe that the creditor failed to follow the proper legal procedure. This lack of notice has not only caused significant financial distress but has also damaged my credit score due to the repossession tradeline that was reported to credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt XXXX, which falls under XXXX  according to XXXX-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to XXXX ( b ) ( XXXX ). 

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 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. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-28 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: AZ

Complaint narrative:
I am writing to dispute the fraudulent reporting of a XXXX XXXX  XXXX ( XXXX ) account on my credit report. Not only is this account fraudulent, but it has also exceeded the maximum XXXX reporting period allowed under the FCRA. 

Violations under FCRA and FTC : The continued reporting of this fraudulent XXXX account violates the following laws : 15 U.S.C. 1681c ( a ) ( 4 ) : Accounts that are over XXXX XXXX XXXX must be excluded from credit reports. This fraudulent XXXX account is still being reported despite exceeding this statutory limit. 
15 U.S.C. 1681e ( b ) : The bureau must maintain accurate information, and the continued reporting of this outdated and fraudulent account constitutes a breach of this duty. 
15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) : XXXX is reporting inaccurate information, which is prohibited under the FCRA.

FTC Act ( 15 U.S.C. 45 ) : Reporting fraudulent information is considered a deceptive practice.

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 2024-09-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
XX/XX/year> The financial institution, JPMorgan Chase Bank, N.A., improperly placed a restriction on the demand deposit checking account for the account owner, on XX/XX/year>, and wrongly prevented the account owner from being able to deposit funds in the form of cash into the checking account on XX/XX/year>, in order to cover six ( 6 ) automated clearing house ( ACH ) transaction items that were presented to the checking account for payment on XX/XX/year>. The financial institution, JPMorgan Chase Bank, N.A., wrongly returned the six ( 6 ) automated clearing house ( ACH ) transaction items that were presented for payment, on the following morning, XX/XX/year>, even though that adverse decision is inconsistent with the stated policy of the financial institution, JPMorgan Chase Bank, N.A., to allow time for funds to be deposited to a demand deposit checking account to cover an overdraft, and although the account owner was provided a verbal assurance by a representative of the financial institution, JPMorgan Chase Bank, N.A., to confirm that the six ( 6 ) automated clearing house ( ACH ) transaction items would not be returned prior to XX/XX/year>, during a conversation held via a telephone call to the relevant department at the financial institution, JPMorgan Chase Bank, N.A., on XX/XX/year>, and despite the fact that there were funds available in the account that were sufficient to cover two ( 2 ) of the automated clearing house ( ACH ) transaction items that were presented to the account on XX/XX/year>, and in spite of the fact that the account owner previously has submitted formal verbal complaints to the financial institution, JPMorgan Chase Bank, N.A., in connection with prior similar arbitrary decisions to return automated clearing house ( ACH ) transaction items that were presented to the checking account for payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-28 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: EQUIFAX, INC.
State: HI

Complaint narrative:
There are several unauthorized hard inquiries on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-28 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: CCS Financial Services, Inc.
State: PA

Complaint narrative:
CREDIT COLLECTIONS Is reporting on my credit report. I no clue who this company is. I didnt authorize them to have any of my info. I have no agreement with this company. They are fraudulent in reporting to my credit report

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation