vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-08 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I have been for over a year trying to dispute some charges that a dental office charged me to my XXXX card for services/treatments that they proposed, but were never completed. The dental office charge me for the full cost of the treatment, even though they did not perform or complete the services/treatment proposed as per our agreement. I initially attempted to resolve the problem directly with the dental office, since my efforts were unsuccessful, I have requested assistance and disputed the charges directly to the credit card company ( XXXX ) in multiples occasions. The office visit was On XXXX XXXX XXXX  and the initial charges were for {$7000.00}, which was after disputed, decreased to {$4800.00}, which is still exceeding by a lot the amount I should be charged ( {$490.00} ) for the work that was actually performed. Even though I have explained the credit card company that those treatments that the dentist is charging me for, were never completed and I have asked them to investigate the problem several times, they have not done anything for me, they have failed to complete a proper investigation and they have just trusted what the dental office had claim and nothing have been done to really clarify this situation, I had even send them picture of my mouth so they can see none of those treatments were done, but still wasnt enough for them to believe me and provide appropriate resolution to this problem. Please, I need your help to resolve this problem. In order to provide evidence, I went for an evaluation to a different dental office, attached you can see the treatments I need according with this evaluation and you can compare those with the treatments that the previous dental office claimed they provided. See pictures attached for details.

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 2024-11-08 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: CA

Complaint narrative:
I am disputing the inclusion of incorrect personal information on my credit report, as the details listed below do not pertain to me. I request the immediate removal of this inaccurate data. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2024-11-08 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: TRANSWORLD SYSTEMS INC
State: NY

Complaint narrative:
In accordance to the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 this section a credit issuer can not furnish an account without my written directions under 15 USCS 1666b a creditor may not treat a payment on a credit under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-08 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 am writing to dispute the reporting of a late payment on my credit report. I have contacted the bank regarding this late payment, and they have approved updating the accounts to " closed/never late. '' The bank has acknowledged the inaccuracy of reporting a late payment and has agreed to make the necessary changes. According to the Fair Credit Reporting Act, I am entitled to an accurate credit report. 

XXXX  XXXX XXXX...

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: GA

Complaint narrative:
Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I XXXX XXXX have the right to request the validation and verification of the debt. As of now, I do not recognize or acknowledge this debt, and therefore, I am disputing its validity. 
I am requesting that you cease collection activities until you validate the following information : Validation of Debt : A complete account of the debt, including a copy of the signed contract or agreement that establishes my responsibility for this debt. A detailed breakdown of the amount claimed, including any fees, charges, or interest added.Proof of Assignment : If this debt was purchased or transferred, I request proof of the original assignment or sale agreement between you and the original creditor. Proof of Licensing : Please provide proof that your agency is licensed and bonded to collect debts in the state of New York. As per 12 CFR 1006.34 ( b ) ( 5 ) and 12 CFR 1006.34 ( c ) ( 4 ), you must provide all validation information and allow me the opportunity to dispute the debt before continuing any collection efforts or furnishing information to credit reporting agencies. Additionally, under 12 CFR 1006.34 ( d ), you are prohibited from furnishing information about this debt to consumer reporting agencies without first providing the required disclosures and validation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on 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 non-monetary relief
Consumer complaint received 2024-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
My account with XXXX  XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, AND XXXX XXXX  XXXX were never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, AND XXXX XXXX  XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-08 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, FLORIDA XXXX DATE OF BIRTH : XX/XX/XXXX SSN : XXXX XX/XX/XXXX Dispute of Unauthorized Credit Inquiries XXXX 

To Whom It May Concern, I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ). After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : Disputed Inquiry : 1. XXXX XX/XX/XXXX 2. XXXX  XX/XX/XXXX Basis for Dispute Section 611 ( 15 U.S.C. 1681i ) states that I have the right to dispute any inaccurate or incomplete information on my credit report. I request that you investigate these unauthorized inquiries and remove them from my credit report. 
Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the inquiries made. After reviewing this information, I firmly believe that the inquiries listed above should not be on my report.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. I did not give my consent for these inquiries to be made, and I can not find a permissible purpose under this section that justifies their presence on my report.

Request I request that they be removed from my credit report. I also request that you provide me with an updated copy of my credit report once the necessary corrections have been made. Enclosed is a copy of my identification to verify my identity. I appreciate your prompt attention to this matter. Please confirm receipt of this letter and keep me informed of the progress of your investigation.consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith..

Here I attach, along with the dispute, my fraud report that I just sent to EQUIFAX for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved. 
I demand that the above inquiries be deleted from my credit file because they are causing irreparable harm to my name and good character as well as my overall credit capacity. 

Best regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-08 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX, OH XXXX XXXX Social Security Number : XXXX XX/XX/year> Experian XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX Subject : Request for Removal of Unauthorized Hard Inquiries Due to Identity Theft Dear Experian and XXXX XXXX I am writing to formally request the removal of unauthorized hard inquiries from my credit report. After a recent review, I discovered several hard inquiries that I did not authorize, which are negatively impacting my credit score. 
The unauthorized inquiries related to identity theft are as follows : * XXXX XXXX - XX/XX/year> - XXXX * XXXX XXXX - XX/XX/year> - Experian * XXXX XXXX - XX/XX/year> - Experian * XXXX - XX/XX/year> - Experian * XXXX XXXX  - XX/XX/year> - Experian * XXXX - XX/XX/year> - Experian * XXXX XXXX - XX/XX/year> - Experian * XXXX XXXX XXXX - XX/XX/year> - XXXX Under the Fair Credit Reporting Act ( FCRA ), 1 have the right to dispute any inaccurate information on my report. Since I did not authorize these inquiries, I am requesting their immediate removal. To assist with verification, I have enclosed a copy of my ID, a recent utility bill, and my credit report with the unauthorized inquiries highlighted.

Additionally, I have filed an FTC identity theft report with the Consumer Financial Protection Bureau ( CFPB ).

Please investigate these inquiries and remove them from my credit report at your earliest convenience. I would appreciate confirmation once the removal is completed or guidance on any further steps required. 

Thank you for your prompt attention to this matter. 

Sincerely, 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 2024-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I am a documented victim of identity theft resulting from the Equifax data breach. The breach has led to fraudulent accounts, unauthorized inquiries, and inaccurate personal information appearing on my Equifax credit report. Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), I demand the immediate removal of these entries from my report. 

In accordance with FCRA Section 605B ( 15 U.S.C. 1681c-2 ), Equifax is legally obligated to block all fraudulent information resulting from identity theft within four business days of receiving this request. Failure to do so is a direct violation of federal law. Under Section 605 ( c ), no adverse information resulting from this theft should be included in my report.

FCRA Compliance Requirements : Verification of Accounts : As specified under FCRA Section 609 ( a ) ( 1 ) ( A ), Equifax is required to provide original signed consumer contracts for any account on my report. If you are unable to produce these contracts, these accounts must be removed immediately as they are unverifiable and fraudulent.

Obligation to Correct Inaccuracies : Under FCRA Section 611 ( 15 U.S.C. 1681i ), Equifax is mandated to correct or delete inaccurate information from my file promptly. I am invoking this right to demand removal of all erroneous information listed below.

Liability for Non-Compliance : Should Equifax fail to act within the legally specified time frame, I will pursue remedies provided under FCRA Section 616 ( 15 U.S.C. 1681n ), which allows for damages for willful non-compliance, and Section 617 ( 15 U.S.C. 1681o ), which covers negligent non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Radius Global Solutions LLC
State: CA

Complaint narrative:
This is the problem. I had identity theft and I lost a lot of cards and ID and data breach. So whatever they have on file at any credit reporting agency is not accurate and false. I do not have any debt. I have already filed identity theft with the CFPB XXXX XXXX, XXXX, and XXXX all have my credit file. A disaster. Nothing is adding up. Nothing is matching up. XXXX credit bureau says this XXXX credit bureau that so I was involved in over XXXX data breaches. XXXX is XXXX of them XXXX as another data, breach, XXXX XXXX is another data. XXXX  XXXX XXXX, another data beach and identity theft scam. My credit file should be clear. I dont owe any debt. These collection agencies shouldnt be harassing me and sending me letters and emails about a collection that I dont know anything about.

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 2024-11-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: Paypal Holdings, Inc
State: WA

Complaint narrative:
I made a purchase at a grocery store XXXX XXXX after activating the 5 % cashback on my Paypal debit card for that category on XX/XX/year>. However I never got the promised rewards. I sent an email to Paypal but the company never addressed my concerns about the missing cashback.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-11-08 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: Experian Information Solutions Inc.
State: AL

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 2024-11-08 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: AR

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX To : XXXX, Clarity, XXXX, Clarity, XXXX  This IS NOT A DISPUTE : This is a rather a request for a Method Of Verification where the following items should be provided to ensure the validity of the item ( s ). 
This is also a Identity Theft Issue. 

( Please Provide ) 1. The name of the court representative you spoke with. 2. The Court address and telephone number. 3. The person 's name they verified the dispute with XXXX. The documentation used to verify the dispute. ( Method Of Verification For ) XXXX XXXX XXXX Mississippi ( XXXX ), Docket No XXXX & XXXX & XXXX ( Method Of Verification For XXXX XXXX XXXX XXXX Mississippi ( XXXX ) Docket # XXXX ( Method Of Verification For ) TX Attorney General Child Support acct # XXXX 15 USC 1681 602 A. States I have the right to privacy.

15USC 1681 Section 604A, Sec A : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 11681c ( a ) ( 5 ) Section States : no consumer agency may make any consumer report containing any of the items of information. any other adverse item of information, other than records of convictions of crimes which antedates more than seven years.

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

A victim of identity theft, the information listed which appears on my credit report, does not relate to any transactional that I have made. It is the result of identity theft.

This is why I am requesting " A Method Of Validation '', THIS IS NOT A DISPUTE.

I have requested validation several times, and I continue to receive a letter stating verified without the information I'm requesting. I'm simply trying to get to the bottom of this inaccurate information. Attached is a letter from the Courts Of Mississippi that states they are not Furnishers Nor Are They Verifiers, so therefore I am asking who did you verify this information with. I'm producing my letter written directly to me ; so what letter of verification to you have?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-08 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: ID Analytics, Inc.
State: AR

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX To : XXXX, XXXX, XXXX, XXXX, Sagestream This IS NOT A DISPUTE : This is a rather a request for a Method Of Verification where the following items should be provided to ensure the validity of the item ( s ).

This is also a Identity Theft Issue.

( Please Provide ) 1. The name of the court representative you spoke with. 2. The Court address and telephone number. 3. The person 's name they verified the dispute with 4. The documentation used to verify the dispute. ( Method Of Verification For ) XXXX XXXX XXXX Mississippi ( XXXX ), Docket No XXXX & XXXX & XXXX ( Method Of Verification For XXXX XXXX XXXX XXXX Mississippi ( XXXX ) Docket # XXXX ( Method Of Verification For ) TX Attorney General Child Support acct # XXXX 15 USC 1681 602 A. States I have the right to privacy.

15USC 1681 Section 604A, Sec A : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 11681c ( a ) ( 5 ) Section States : no consumer agency may make any consumer report containing any of the items of information. any other adverse item of information, other than records of convictions of crimes which antedates more than seven years.

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

A victim of identity theft, the information listed which appears on my credit report, does not relate to any transactional that I have made. It is the result of identity theft.

This is why I am requesting " A Method Of Validation '', THIS IS NOT A DISPUTE.

I have requested validation several times, and I continue to receive a letter stating verified without the information I'm requesting. I'm simply trying to get to the bottom of this inaccurate information. Attached is a letter from the Courts Of Mississippi that states they are not Furnishers Nor Are They Verifiers, so therefore I am asking who did you verify this information with. I'm producing my letter written directly to me ; so what letter of verification to you have?

Company response to consumer: Closed with non-monetary relief