vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2025-03-25 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 am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2025-03-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Reported fraudulent transaction on card on the morning of XXXX XX/XX/XXXX. 
A new card was issued, but the customer service rep somehow blocked the sending of a replacement physical card and didn't notify me or anyone else that they'd done so. 

I called the following week, wondering why I hadn't been notified of a new card being sent. The couldn't explain the delay but eventually got the card mailed and promised it would arrive within their advertised 4 to 6 business days window. It did NOT arrive on time as promised. It arrived 3 days late, on XX/XX/XXXX. 

They screwed up, did not meet their promised replacement guidelines, and it appears purposefully sand-bagged the card replacement process, causing me greater inconvenience and wasting even more of my time. They really don't care about their customer 's time or frustration when dealing with these issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My information was leaked in a DATA Breach. I mailed All 3 bureaus and asked for things to be removed due to the faultiness of the information.

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 2025-03-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Cascade Capital, LLC
State: MO

Complaint narrative:
I had a hospital stay between XX/XX/XXXX and XX/XX/XXXX. I received my first bill for {$2200.00} on XX/XX/XXXX. On XX/XX/XXXX I received additional statements stating that the bills I received the day before were past due. Between XX/XX/XXXX and XX/XX/XXXX I received numerous additional bills dictating how the amount insurance was billed and how much I owed. On XX/XX/XXXX I received a final statement after the full amount was billed to insurance stating that I, the patient, owed {$0.00}. On XX/XX/XXXX I received a letter from an agency explaining that the hospital sent the previous bill of {$2200.00} to collections. I submitted this complaint on XX/XX/XXXX and on XX/XX/XXXX my case was closed after the company responded with a ledger from the original creditor. The XXXX listed on the ledger is {$0.00}, but that doesn't explain the {$0.00} statement balance listed in 2 other spots on the same ledger. I am, again, uploading my EOB from my insurance showing that I owe {$0.00} for the itemized services listed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XX/XX/XXXX I disputed 4 reoccurring charges with my financial institution Capital One. The four charges were for {$130.00} with charge dates of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX from merchant XXXX XXXX. 

I purchased an XXXX package subscription through XXXX XXXX for unlimited streaming within a single household. However, I never received the services stipulated in the contract. I disputed these reoccurring charges with capital one and they denied all of them on XX/XX/XXXX even after providing documentation and proof full services were not provided. I called and asked capital one for supporting documents on how they came to this conclusion and have not received anything. 

Prior to disputing with Capital One, I made contact with XXXX XXXX customer service multiple times during the XXXX season through chat, phone and email to resolve the challenges I was facing, specifically the inability to stream unlimited XXXX games within my household. My subscription was supposed to include access to unlimited streams at home across multiple devices, but I found myself missing out on key matchups, which was incredibly frustrating. 
After numerous attempts to address my issue with XXXX support, their response proved unsatisfactory. Despite the XXXX season concluding, they continued to assert that their engineers are diligently working to resolve my reported issues. I sought a reimbursement for the services that were not rendered via XXXX customer support, only to have my request denied. It is disheartening to encounter this outcome, especially considering the enticing advertisements that emphasized the subscription 's features, which regrettably did not align with my personal experience.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 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: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-03-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
My debt card was stolen and series of charges were rack up. Advised navy federal id this and they are still saying I owe the money for the charges after reporting fraud. I dint understand why I am having to pay for someone elses doing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 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: SC

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that 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 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 2025-03-24 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: FL

Complaint narrative:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 

UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XX/XX/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 XXXXXXXX XX/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 2025-03-24 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 understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2025-03-24 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: GA

Complaint narrative:
A violation of the Fair Credit Reporting Act ( FCRA ) occurred, which requires 100 % accurate reporting on consumer credit files. This account contains inaccuracies and has caused me harm. I demand the immediate removal of these accounts. If the issue is not resolved, I will escalate to legal counsel.

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 2025-03-24 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
On XXXX XXXX2025 I received a letter from Synchrony Bank/ Rooms to Go concerning my account. The letter stated that they were closing my account for the reason that I was a high risk of failure to pay. I am a XXXXXXXX XXXX XXXX XXXX with a fico score of XXXX. My account is set to auto pay and Ive never missed a payment. I called their accounts representative and found out not only did they close my Rooms to Go card but also my TJ Maxx and XXXX XXXX which I might add had XXXX balances and no payment ever missed. I dont use those cards often during the year if at all. Im not really concerned about the cards but the manner and excuse they used to close them.

My husband died 10 years ago and I have worked diligently to get my credit rating to the Rating that it is today. I have been treated unfairly and its caused me a lot of XXXX  for no good reason. 

I would greatly appreciate your help with this matter. 
Sincerely

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 2025-03-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
I am writing to urgently address fraudulent accounts that have been opened in my name due to the XXXX data breach. As a victim of this breach, I have identified several unauthorized accounts associated with my Social Security number, which I did not open or authorize. For your reference, I have attached a copy of my Identity Theft Report. 

The details of the fraudulent account are as follows : Account Name : XXXX XXXX XXXX XXXXXXXX Account # : XXXX Account Name : XXXX XXXX XXXX XXXX Account # : XXXX Account Name : XXXX XXXX XXXX XXXX Account # : XXXX Account Name : XXXX Account # : XXXX Account Name : XXXX XXXX ( XXXX XXXX XXXX XXXXXXXX XXXX XXXX Account # : XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) Account # : XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX  ) Account # : XXXX Account Name : XXXX Bankruptcy XXXX Account # : XXXX In accordance with 15 U.S.C. 1681c-2 ( a ), I demand that this account be blocked and removed from my credit report within four ( 4 ) business days of receiving this letter. If you fail to adequately resolve this issue within the required time frame, I will consider taking legal action and pursuing damages of {$1000.00} per violation under 15 U.S.C. 1692k. This action will include claims for the following violations : Defamation of Character Negligent Enhancement of Identity Fraud Violations under 15 U.S. Code 1681o, 1681n ( b ), 1681b, 1681c, 1681a ( 4 ) Failure to comply with 15 U.S. Code 1692 ( g ) Violation of 15 U.S. Code 1681ii ( 7 ) ( Method of Verification ) This matter is extremely time-sensitive, and I appreciate your immediate attention to this dispute. Please confirm the removal of this fraudulent account 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 non-monetary relief
Consumer complaint received 2025-03-24 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: OH

Complaint narrative:
I sent a letter regarding inaccurate and unknown accounts on my credit report. Please review all the documents I've sent in regards to this!

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 2025-03-24 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Amsher Collection Services, Inc.
State: MS

Complaint narrative:
Dear XXXX, This letter is being sent to you in response to a recent charge that was made on my credit report that I do not recognize. 
Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested. 
This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. 
At this time, I will also inform you that if your offices have reported invalidated information to any of the XXXX major credit bureaus ( XXXX, XXXX  or XXXX  ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character. 
If your offices are able to provide the proper documentation as requested in the following XXXX, I will require at least XXXX  days to investigate this information, during which time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated. 
If your office fails to respond to this validation request within XXXX  days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRY : XXXX XXXX XX/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 explanation
Consumer complaint received 2025-03-24 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: NJ

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-03-24 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have formally reported an error regarding incorrect information sent by the credit bureau through my email. I am disputing a mistake on my credit card statement and requested an investigation, but the company has failed to act. I expect immediate attention to resolve this matter. Furthermore, I request a confirmation receipt to ensure I am kept informed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2025-03-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
I am writing to urgently address fraudulent accounts that have been opened in my name due to the XXXX data breach. As a victim of this breach, I have identified several unauthorized accounts associated with my Social Security number, which I did not open or authorize. For your reference, I have attached a copy of my Identity Theft Report. 

The details of the fraudulent account are as follows : Account Name : XXXX XXXX XXXX  XXXX Account # : XXXX Account Name : XXXX  XXXX XXXX XXXX Account # : XXXX Account Name : XXXX XXXX XXXX XXXX  Account # : XXXX Account Name : XXXX XXXX Account # : XXXX Account Name : XXXX XXXX ( XXXX XXXX XXXX XXXX ) Account # : XXXX Account Name : XXXX XXXX XXXX ( XXXX XXXXXXXX XXXX XXXX XXXX  XXXX ) Account # : XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # : XXXX Account Name : XXXX XXXX XXXX XXXX  XXXX Account # : XXXX In accordance with 15 U.S.C. 1681c-2 ( a ), I demand that this account be blocked and removed from my credit report within four ( 4 ) business days of receiving this letter. If you fail to adequately resolve this issue within the required time frame, I will consider taking legal action and pursuing damages of {$1000.00} per violation under 15 U.S.C. 1692k. This action will include claims for the following violations : Defamation of Character Negligent Enhancement of Identity Fraud Violations under 15 U.S. Code 1681o, 1681n ( b ), 1681b, 1681c, 1681a ( 4 ) Failure to comply with 15 U.S. Code 1692 ( g ) Violation of 15 U.S. Code 1681ii ( 7 ) ( Method of Verification ) This matter is extremely time-sensitive, and I appreciate your immediate attention to this dispute. Please confirm the removal of this fraudulent account promptly.

Sincerely,

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