vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-02 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
I do not have a contract nor did I authorize this company to obtain my information, my information, my rights to privacy was violated under the FDCPA & FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: NAVY FEDERAL CREDIT UNION
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX [ Date ] [ Credit Bureau Name ] [ Credit Bureau Address ] [ City, State, ZIP Code ] Subject : Dispute of Inaccurate Information on Credit Report Dear [ Credit Bureau Name ] Dispute Department, I am writing to formally dispute inaccurate information that appears on my credit report. Upon reviewing my credit report, I noticed incorrect information that needs to be investigated and corrected. The details of the disputed item ( s ) are as follows : Creditor Name : [ Name of the creditor ] Account Number : [ Account number, if available ] Issue : [ Briefly describe the inaccuracy, such as an incorrect late payment, an account that does not belong to you, an incorrect balance, etc. ] To support my dispute, I have attached copies of relevant documents, such as payment records, account statements, or correspondence with the creditor, that verify the correct information. 

Under the Fair Credit Reporting Act ( FCRA ), I am requesting an immediate investigation into this matter. Please correct or remove the inaccurate information from my credit report and provide me with written confirmation of your findings. 

If you require any additional information, please feel free to contact me at ( XXXX ) XXXX. Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX Attachments : [ List any enclosed documents ]

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-02 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: Chime Financial Inc
State: OH

Complaint narrative:
My chime XXXX XXXX  XXXX  ending XXXX has an unauthorized charge of {$57.00} to XXXX on XX/XX/year> at XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-02 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 am a victim of identity theft and have been in the process of trying to get my consumer report clear from everything that was added due to me being involved in several data breaches and haven my identity stolen. The below mentioned account does not belong to me XXXX XXXX XXXX account # XXXX balance of {$42000.00} XXXX XXXX account # XXXX  Balance of {$18000.00} Dept of ED/XXXX account # XXXX Balance of {$13000.00} Dept of EDXXXX XXXX account # XXXX of {$8700.00}

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 2025-02-02 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 filing a complaint against Transunion for failing to properly investigate my disputes regarding inaccuracies on my credit report. 
Despite my submissions, Transunion consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. I request that the CFPB take action to ensure Transunion complies with federal law and provides consumers with the necessary proof of investigation. 
These are the accounts that I marked as inaccurate which are listed as closed. 
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 non-monetary relief
Consumer complaint received 2025-02-02 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: CO

Complaint narrative:
There is an acct that is reporting as collections, This acct is inaccurate. I did not agree to sell this account, nor has the company validatedths debt. I was a victim XXXX  XXXX and was covered under federal XXXX XXXXThis account has been illegally added and the fact that this account was sent to collections within 60 days of me vacating the alleged property is also questionable. We were NOT notified of this balance and they have refused to validate this debt as of XX/XX/year> and within 30 days as of I advised each agency/company by CERTIFIED letters requesting they provide proof to substantiate this account within 5 days and this was not done. Therefore, I am requesting this derogatory mark be removed since it was NOT validated. If it is not, I have filed a complaint with the Federal Trade Commission, The Colorado Attorney Generals Office, Consumer Financial Protection Bureau and any other agency that assisted in adding this derogatory account to my credit and/or attempt to collect these amounts again. I will also file Civil and Criminal claims will be pursued in federal or state court for up to {$1000.00}, including damages against any and all agencies that assisted in violations in accordance with 15 U.S. Code 1692g. I have Therefore, XXXX XXXX is in violation of The Fair Debt Collections Practices Act ; 15 U.S. Code 1692g and refused to provide detailed information that your company sent/notified me Notice of Debt the original 30 days of receipt of the account.

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 2025-02-02 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: CO

Complaint narrative:
There is an acct that is reporting as collections, This acct is inaccurate. I did not agree to sell this account, nor has the company validatedths debt. I was a victim XXXX  XXXX and was covered under federal XXXX XXXXThis account has been illegally added and the fact that this account was sent to collections within 60 days of me vacating the alleged property is also questionable. We were NOT notified of this balance and they have refused to validate this debt as of XX/XX/year> and within 30 days as of I advised each agency/company by CERTIFIED letters requesting they provide proof to substantiate this account within 5 days and this was not done. Therefore, I am requesting this derogatory mark be removed since it was NOT validated. If it is not, I have filed a complaint with the Federal Trade Commission, The Colorado Attorney Generals Office, Consumer Financial Protection Bureau and any other agency that assisted in adding this derogatory account to my credit and/or attempt to collect these amounts again. I will also file Civil and Criminal claims will be pursued in federal or state court for up to {$1000.00}, including damages against any and all agencies that assisted in violations in accordance with 15 U.S. Code 1692g. I have Therefore, XXXX XXXX is in violation of The Fair Debt Collections Practices Act ; 15 U.S. Code 1692g and refused to provide detailed information that your company sent/notified me Notice of Debt the original 30 days of receipt of the account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-02 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: NY

Complaint narrative:
SUBJECT NOTICE OF INTENT TO FILE ARBITRATION FOR CONSUMER REPORT VIOLATION To Whom It May Concern : I hope this letter finds you well. I am writing to express my concern regarding the accuracy and integrity of the information contained in my credit report, which is maintained by your agency. I wish to emphasize my commitment to fair and accurate consumer reporting. These violations have had an impact on my Creditworthiness and have caused me undue financial hardship and XXXX XXXX  After careful review of my report, I have identified several instances where the information provided appears to be in violation of the Fair Credit Reporting Act. I have sent several letters trying to fix this matter which you have willfully neglected my attempt to rectify this matter. I have kept dates and responses provided via CFPB portal. 
I also want to let you know the original agreement. The Arbitration clause within agreement outlines a mechanism for dispute resolution that's we both agreed upon. Its hope that we can resolve this matter amicably and avoid the necessity for XXXX, which will result in substantial cost and fee for us both because this is causing me a lot of issues in my financial Life. 
I propose the following options for resolution : Option 1 : remove the following items reporting inaccurately below : XXXX. XXXX XXXX  ACCOUNT # XXXX XXXX. This account is reporting inaccurate please delete or pay fine of {$1000.00} per violation 3. Option 2 : Initiate Arbitration 4. Should your Company prefer not to remove the flowing items above, I AM PREPARED TO INITIATE ARBITRATION PROCEEDINGS AS ALLOWED BY OUR AGREEMENT. This process may entail substantial costs and fees including my filing fee, your filing fee, Arbitration initiation fee and arbitration deposit, and any legal costs incurred during the arbitration process.

5. I believe that an amicable resolution is in the best interest of both parties, however, I am prepared to pursue arbitration should that be necessary to uphold my rights and ensure fair credit reporting. 
SINCERELY, XXXX XXXX XXXX XXXX XXXX : XXXX XXXXXXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-02 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: NY

Complaint narrative:
SUBJECT NOTICE OF INTENT TO FILE ARBITRATION FOR CONSUMER REPORT VIOLATION To Whom It May Concern : I hope this letter finds you well. I am writing to express my concern regarding the accuracy and integrity of the information contained in my credit report, which is maintained by your agency. I wish to emphasize my commitment to fair and accurate consumer reporting. These violations have had an impact on my Creditworthiness and have caused me undue financial hardship and XXXX XXXX  After careful review of my report, I have identified several instances where the information provided appears to be in violation of the Fair Credit Reporting Act. I have sent several letters trying to fix this matter which you have willfully neglected my attempt to rectify this matter. I have kept dates and responses provided via CFPB portal. 
I also want to let you know the original agreement. The Arbitration clause within agreement outlines a mechanism for dispute resolution that's we both agreed upon. Its hope that we can resolve this matter amicably and avoid the necessity for XXXX, which will result in substantial cost and fee for us both because this is causing me a lot of issues in my financial Life. 
I propose the following options for resolution : Option 1 : remove the following items reporting inaccurately below : XXXX. XXXX XXXX  ACCOUNT # XXXX XXXX. This account is reporting inaccurate please delete or pay fine of {$1000.00} per violation 3. Option 2 : Initiate Arbitration 4. Should your Company prefer not to remove the flowing items above, I AM PREPARED TO INITIATE ARBITRATION PROCEEDINGS AS ALLOWED BY OUR AGREEMENT. This process may entail substantial costs and fees including my filing fee, your filing fee, Arbitration initiation fee and arbitration deposit, and any legal costs incurred during the arbitration process.

5. I believe that an amicable resolution is in the best interest of both parties, however, I am prepared to pursue arbitration should that be necessary to uphold my rights and ensure fair credit reporting. 
SINCERELY, XXXX XXXX XXXX XXXX XXXX : XXXX XXXXXXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-02 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: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
I am writing to file a formal complaint regarding the failure of the credit reporting agencies XXXX, XXXX and XXXX to properly investigate and remove an account from my credit report that does not belong to me. Despite multiple dispute attempts and my clear assertions that the account is fraudulent, the credit bureaus have failed to take appropriate action and have failed to comply with their legal obligations under the Fair Credit Reporting Act ( FCRA ). 

Background Information : Account in question : LVNV FUNDING LLC CARE OF RESURGENT CAPITAL SERVICES Current status of dispute : unresolved remains on my credit report FCRA Violations by Credit Bureaus : Under the FCRA, credit bureaus are legally required to conduct a thorough investigation within 30 days of receiving a consumers dispute. However, despite my clear and documented dispute efforts, the credit bureaus have repeatedly failed to : Conduct a proper investigation of the account, as required by Section 611 of the FCRA.

Remove the account from my credit report, despite the fact that I have provided sufficient evidence that the account does not belong to me. 
Provide a written explanation or proper documentation regarding their findings or any evidence they used to substantiate their conclusions. 
Additionally, I have received either incomplete responses or no responses at all from the credit bureaus, which is a clear violation of my rights under Section 609 of the FCRA to receive an accurate investigation and the results thereof.

My Rights Under the FCRA : Section 607 ( a ) of the FCRA mandates that the credit bureaus ensure the accuracy and completeness of the information reported. The presence of an account that does not belong to me is a clear violation of this requirement.

Section 611 ( a ) requires credit bureaus to investigate disputes thoroughly and within 30 days. Their failure to act properly within this timeframe is unlawful.

Section 609 ( a ) guarantees my right to receive the results of any investigation, including documentation of evidence used in their determination.

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

Complaint narrative:
I noticed highly inaccurate information on my Equifax credit report that is reporting information provided by XXXX. This information was serious discrepancies with monthly payments, monthly payment amounts, balances and other pertinent information. 

According to 15 U.S. Code 1681e, ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

Equifax is reporting balances that are different than what has been provided on my statements, payment amounts that are different than what has been provided on my statements and other errors.

Attached to this complaint is the information regarding such MAJOR inaccuracies. My rights have been violated according to 15 US Code 1681e and 15 US Code 1681i.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-02 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: GOLDMAN SACHS BANK USA
State: NJ

Complaint narrative:
I had the following charges on my credit card which are unauthorized. I've called the company to dispute them but they won't do anything about it. 

XXXX  - {$21.00} since XX/XX/XXXX to present ( {$310.00} in total unauthorized charges ) XXXX  - {$29.00} since XX/XX/XXXX to present ( XXXX in total unauthorized charges ) XXXX  - {$6.00} since XX/XX/XXXX to present ( {$76.00} in total unauthorized charges ) Ancestry - {$63.00} XX/XX/XXXX to XX/XX/XXXX ( {$570.00} in total unauthorized charges )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-02 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC
State: CA

Complaint narrative:
In XX/XX/XXXX, Jefferson Capital sent me a letter stating that if I surrendered my car, they would remove the associated debt from my credit report. I followed their instructions, leaving the car and keys in the designated location. However, they did not retrieve the vehicle. 

By the end of XX/XX/XXXX, the city police department towed the car. I informed Jefferson Capital in XX/XX/XXXX, after being notified by the police. They then stated that I was responsible for paying the impound fees, despite the fact that I had surrendered the vehicle months earlier per our agreement. 

I have video evidence showing that I surrendered the car as instructed. However, every representative I spoke to has stated that they are unable to assist because the car was no longer in their possession. They had ample time to retrieve it but failed to do so. Now, the debt remains on my credit report in XXXX, which was not the original agreement. 

I request that Jefferson Capital honor the terms of the agreement by removing the debt from my credit report, as I complied with the surrender terms. Please investigate and resolve this matter I have the phone calls on recording I let them know it was recorded before it wont let me upload because its XXXX minutes.

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

Complaint narrative:
Dispute of Collection Account Request for Removal I am writing to formally dispute the validity of a collection account that appears on my credit report. Under the Fair Credit Reporting Act ( FCRA ), I have the right to challenge the accuracy of any information on my report. 

Details of the Disputed Account : Creditor Name : XXXXXXXX XXXX XXXX  Account Number : XXXX Reported Amount : {$390.00} Date Reported : XX/XX/year> Reason for Dispute : According to 15 U.S.C. 1681 Section 602 ( a ), I have the right to privacy regarding my credit information. Furthermore, under 15 U.S.C. 1681 Section 604 ( a ) ( 2 ), a credit reporting agency can not furnish an account without my written authorization. 



I request that this account be verified, and I ask that you provide valid documentation proving its legitimacy and my written consent. If you are unable to verify the account with concrete evidence, I demand its immediate removal from my credit report in accordance with the law. 



I have attached a copy of my identification and a copy of my credit report with the disputed account highlighted for your reference. I would appreciate a written response within the legally required 30-day period.

Thank you for your prompt attention to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation