vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-04 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: AZ

Complaint narrative:
Since 2019 when these Accounts Appeared on my Credit reports I have requested VALIDATION of these debts, I requested Statements and All Evidence required to VALIDATE these Debts. The Original Creditors nor The Credit Bureas todate since 2019 has bothered to VALIDATE these debts they are reporting as Past Due or Charged off on my Credit Files. Six Years now I have requested Validation of these debts yet no CREDITOR OR CREDIT BUREAU HAS COMPLIED WITH MY REQUEST FOR VALIDATION. These Creditors and Credit Bureas only say these debts have been Verified as Accurate, I Requested VALIDATIION of these Debts, not VERIFICATION of these debts. These Debts have yet to be VALIDATED with a Statement or Past Due Notice. After so many years of trying get a Legal VALIDATION of these debts it impossible for be to accept these Debts as VALID.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-04 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: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
Since 2019 when these Accounts Appeared on my Credit reports I have requested VALIDATION of these debts, I requested Statements and All Evidence required to VALIDATE these Debts. The Original Creditors nor The Credit Bureas todate since 2019 has bothered to VALIDATE these debts they are reporting as Past Due or Charged off on my Credit Files. Six Years now I have requested Validation of these debts yet no CREDITOR OR CREDIT BUREAU HAS COMPLIED WITH MY REQUEST FOR VALIDATION. These Creditors and Credit Bureas only say these debts have been Verified as Accurate, I Requested VALIDATIION of these Debts, not VERIFICATION of these debts. These Debts have yet to be VALIDATED with a Statement or Past Due Notice. After so many years of trying get a Legal VALIDATION of these debts it impossible for be to accept these Debts as VALID.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-04 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: DISCOVER BANK
State: AZ

Complaint narrative:
Since 2019 when these Accounts Appeared on my Credit reports I have requested VALIDATION of these debts, I requested Statements and All Evidence required to VALIDATE these Debts. The Original Creditors nor The Credit Bureas todate since 2019 has bothered to VALIDATE these debts they are reporting as Past Due or Charged off on my Credit Files. Six Years now I have requested Validation of these debts yet no CREDITOR OR CREDIT BUREAU HAS COMPLIED WITH MY REQUEST FOR VALIDATION. These Creditors and Credit Bureas only say these debts have been Verified as Accurate, I Requested VALIDATIION of these Debts, not VERIFICATION of these debts. These Debts have yet to be VALIDATED with a Statement or Past Due Notice. After so many years of trying get a Legal VALIDATION of these debts it impossible for be to accept these Debts as VALID.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew. Whos studying XXXX XXXX help me out by finding a way to check if my XXXX emails were involved in this breach? To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts it would mean a lot to me it you could assist in removing the following from my credit report, these are the accounts :

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Portfolio Recovery Associates, LLC
State: NJ

Complaint narrative:
THIS ACCOUNT WAS REMOVED FROM MY CREDIT FILE FILE BEFORE AND WAS ADDED AGAIN BY THE COLLECTION AGENCY, PORTFOLIO RECOV ASSOC.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
The account was written off since XX/XX/2022 and the loan company never send me a 1099C to claim the amount that was written off on my XXXX XXXX XXXX return. The amount that was written off was {$23000.00} in XX/XX/2022. I contacted the company, but got an answer back.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Consolidated Recovery Group, LLC
State: NJ

Complaint narrative:
The account was written off since XX/XX/year> and the loan company never send me a 1099C to claim the amount that was written off on my XXXX XXXXXXXX tax return. The amount that was written off was {$23000.00} in XX/XX/year>. I contacted the company, but got an answer back.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
The account was written off since XX/XX/year> and the loan company never send me a 1099C to claim the amount that was written off on my 2022 XXXX tax return. The amount that was written off was {$23000.00} in XX/XX/year>. I contacted the company, but got an answer back.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-04 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: CA

Complaint narrative:
I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 


Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action. 


Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs. 
Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report. 

DELETE THIS ACCOUNTS IN MY CREDIT REPORT 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 2025-01-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: U.S. BANCORP
State: NC

Complaint narrative:
I closed the account in XX/XX/2024, the company just started adding interest to this account that was scheduled close. They also keep sending me monthly statements as if the account is still opened. I want nothing more from this company, they are scammers and should be placed in a status of OUT OF BUSINESS. I wouldn't tell my dog to ever do business with them. They have high interest rates and are considered thieves to the consumer environment. I will only pay the amount due at the time of the request for closing. I closed the account due to excessive charges and agents providing fraudulent dates to make payment.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-04 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Payward Ventures Inc. dba Kraken
State: TX

Complaint narrative:
A business account was applied for and not only was it rejected the personal account I had never used was also closed. They gave me no reason and stated in the email neither live chat nor phone support would be able to tell me. I'd like to know exactly what I could have possibly done on a service I had never used to warrant account closing, again it was never once used after being open, and the exact message reads out as " Unfortunately, we must inform you that we will be closing your XXXX  account. We are unable to verify your account at this time. Due to compliance standards, we can not disclose the reasons. '' They can not disclose the reason someone who only had an account was suddenly closed and is now also unable to even open another one with them. " Kindly note that you can not open another XXXX account and that our live chat and phone support channels will not be able to provide assistance regarding 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
Consumer complaint received 2025-01-04 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: Tesla, Inc.
State: FL

Complaint narrative:
To Whom It May Concern : I am writing to formally lodge a complaint concerning my leased Tesla vehicle, which has exhibited multiple defects compromising its safety and functionality. Despite numerous attempts to resolve these issues through Tesla 's service and finance departments, I have encountered significant delays and a lack of responsiveness, leaving the vehicle unusable and posing potential safety hazards.

Vehicle Details : Make and Model : Tesla XXXX XXXX Initial Defect Upon Delivery : Date : XX/XX/XXXX Issue : The vehicle was delivered with a broken component inside the vehicle. 
Action Taken : A service request was submitted on XX/XX/XXXX, to address the defect. 

Suspension Issues : Date : XX/XX/XXXX Issue : Suspension problems emerged, affecting vehicle stability. 
Action Taken : A new service request was filed to rectify the suspension issues. 

Software Malfunctions : Date : XX/XX/XXXX XXXX : The vehicle began experiencing software-related problems. 
Action Taken : I visited the Tesla service center in person to seek an expedited appointment. However, due to high demand, the earliest available slot was XX/XX/XXXX. 


Critical Safety Failures : Date : XX/XX/XXXX XXXX : Emergency brakes became non-functional. 
Cameras ceased operating. 
Air conditioning system malfunctioned. 
Auto-dimming mirrors turned excessively dark at night, obstructing visibility. 
An unintended acceleration incident occurred, prompting immediate safety concerns. 
Action Taken : Given the severity of these issues, I deemed the vehicle unsafe to operate and ceased driving it. I requested a sooner appointment which they informed due to high demand they can not provide one and the repersentative assited i can drive with non emergency breaks. Which i informed it's illegal in state of XXXX  Attempts to Contact Tesla Finance : Dates : Multiple attempts between XXXX, XXXX, and XXXX, XXXX Action Taken : I left several voicemails and sent emails to Tesla Finance seeking guidance on returning the defective vehicle. On XX/XX/XXXX, a representative contacted me, promising coordination with the XXXX XXXX XXXX XXXX and a follow-up by XX/XX/XXXX. No subsequent communication was received. Further attempts to reach out on XX/XX/XXXX, have also gone unanswered. 

Which i went to the tesla office in XXXX XXXX on XX/XX/XXXX and the representative could not provide an outcome either. 


Contact with State Attorney 's Office : Date : XX/XX/XXXX Outcome : I reached out to the State Attorney 's Office for assistance. However, they indicated they could not intervene as the vehicle had not been in the repair shop for the requisite duration, despite it being parked and unusable due to safety concerns.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-04 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: CA

Complaint narrative:
In accordance with 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.

Account Name : XXXX XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXXXXXX 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 a 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 2025-01-04 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:
In accordance with 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.

Account Name : XXXX XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXXXXXX XXXX XXXX XXXX 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 a 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 explanation
Consumer complaint received 2025-01-04 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: GA

Complaint narrative:
In accordance with 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. 

List of Unauthorized Inquiries : 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 XXXXXXXX 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 a 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 2025-01-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: JPMORGAN CHASE & CO.
State: DE

Complaint narrative:
JPMCB CARD SERVICES -- XXXX I noticed you are reporting multiple 30 day late payments on my credit history. I dont believe these to be accurate. Please check your records and verify that I was more than 30 days past my due date.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-04 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: MI

Complaint narrative:
In accordance with 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. 


Account Name : 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 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 a 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew. Whos studying XXXX XXXX help me out by finding a way to check if my XXXX emails were involved in this breach? To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts it would mean a lot to me it you could assist in removing the following from my credit report, these are the accounts :

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-04 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: MD

Complaint narrative:
In accordance with 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.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 a 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 ) ( a ) 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. 

Delete the accounts below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation