vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-20 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: Portfolio Recovery Associates, LLC
State: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, La XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Portfolio Recovery Associates is XXXXXXXX XXXX XXXXXXXX, XXXX, VA XXXX. 

Subject : Dispute of Inaccurate Information under the Fair Credit Reporting Act ( FCRA ) Dear Sir/Madam, I am writing to formally dispute an inaccuracy on my credit report that I obtained from your agency. Under Section XXXXo of the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute inaccurate information, and I am requesting that you take the necessary action to correct this error. 

The item in question is as follows : Account Name/Number : XXXX  XXXX XXXX and XXXX XXXX XXXX Nature of Dispute : Charges that are inaccurate due to the personal information being compromised and exposed to third parties Reason for Dispute : The information is incorrect, e.g., the account was exposed and sold to a third party and my personal information has been compromised. It is to my understanding that the accounts listed above were sold to a third party without my permission and has put my personal identity at risk and has caused fraud charges and great damage to my credit report. I have reviewed my records and have found that this information is not accurate. I request that your agency investigate this matter promptly and, as required by law, correct or remove the inaccurate information from my credit report. Please provide me with a copy of the results of your investigation. As per Section XXXXo of the FCRA, I understand that credit reporting agencies are liable for damages resulting from their negligent noncompliance with the law. Should your agency fail to promptly correct this error, I will consider taking further action to protect my rights under the FCRA. Please notify me in writing of the actions you have taken to resolve this dispute. I appreciate your prompt attention to this matter and expect that this issue will be resolved in accordance with the FCRA. Thank you for your cooperation. 

Sincerely, XXXX XXXX XX/XX/XXXX Driver License number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: V and H Portfolio
State: TX

Complaint narrative:
I have wrote several letters email no response back

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 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: GOLDEN 1 CREDIT UNION, THE
State: CA

Complaint narrative:
Golden1 destroyed my credit for no reason. I had automatic payment set up, on XX/XX/XXXX the app malfunctioned not allowing for the automatic payment i had already set up to go through like the months prior. Less than 24 hours later XX/XX/XXXX i noticed, and payed the balance accordingly. At first i was only allowed to pay the minimum balance, then the app malfunctions again charging me the full amount resulting in me overpaying. ( see Golden1 one star reviews for confirmation ) within a seven days i received a notification my credit score had changed, XXXX points. I called my bank they did not help whatsoever even after i did as instructed and sent in a letter to their credit department. While this was taking place an additional XXXX points were subtracted from my score, the reason still unknown. I also found out that somehow Golden1 claims i went over my credit limit by exactly XXXX XXXX. So i contacted XXXX to dispute these events. XXXX removed the XXXX points but said they couldnt do anything about the XXXX when it should have never occurred. I don't understand how or why this is happening.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 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:
I request the immediate removal and blocking of the unauthorized accounts from my credit report. These accounts were not initiated or authorized by me, and I am unfamiliar with their source. Per USC 1681g, I formally ask for their removal within 15 days. Attached are supporting documents for your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 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: OneMain Finance Corporation
State: UT

Complaint narrative:
Dear XXXX, I am disputing a recent hard inquiry on my credit report from Foursight Capital LLC. I explicitly authorized only a soft pull and clearly stated that I did not want my credit pulled. I also only provided the last XXXX digits of my Social Security number, and I was assured this would not impact my credit. Please remove this unauthorized inquiry from my report immediately. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 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: NC

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX. XXXX XXXX XXXX XXXX XXXXXXXX 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 2025-02-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

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 2025-02-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2025-02-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: Mr. Cooper Group Inc.
State: PA

Complaint narrative:
I applied for a refinance on XX/XX/year>2025. And I'm still waiting today. 
Their representative, XXXX XXXX, has held up our loan process by XXXX months with his negligence!! Mr. Cooper has destroyed our credit rating and home 's appraisal value. My credit report was XXXX before this application process and it is now XXXX. They also lowered my house 's value by XXXX XXXXXXXX. I need help!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 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: TX

Complaint narrative:
These can be combined on my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2025-02-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CarMax, Inc.
State: FL

Complaint narrative:
I sent CarMax a money order to pay off my loan in full. Under UCC law, a money order is a negotiable instrument, and once cashed, the debt is legally satisfied. CarMax accepted and cashed my money order, thereby agreeing to its terms, which stated that the full balance was paid off. 

However, CarMax has illegally : Issued a repossession order for my vehicle, despite the loan being paid in full. 

Reported missed payments to the credit bureaus, which is false and damaging to my credit. 

Charged off my account, even though legally, the account should be considered paid in full. 

Laws Violated by CarMax 1. Violation of UCC Law Money Order as a Negotiable Instrument UCC 3-104 & 3-310 ( b ) ( 1 ) : A money order is a negotiable instrument, and once cashed, the original debt is discharged unless explicitly stated otherwise. 

CarMax cashed my money order, which legally satisfies the debt. Reporting a balance, charge-off, or pursuing repossession after accepting full payment is fraudulent and unlawful.

2. Violation of XXXX  State Law XXXX Statutes 673.3101 : Once a money order is accepted and cashed, the obligation is satisfied, unless a separate agreement states otherwise.

XXXX  Consumer Collection Practices Act ( FCCPA ) 559.72 ( 9 ) : Prohibits false credit reporting and unlawful debt collection practices, including illegally reporting missed payments and attempting repossession after payment.

3. Violation of the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2 CarMax knowingly reported inaccurate and misleading information to credit bureaus, damaging my credit and financial standing. 

Requested Action : Immediately cancel the illegal repossession order. 

Correct my credit report by removing false missed payments and charge-off status. 

Update my account to Paid in Full.

Provide written confirmation of these corrections.

CarMaxs actions violate UCC law, XXXX  state law, and federal consumer protection laws. If not resolved, I will pursue further action, including contacting the XXXX Attorney Generals Office, the XXXX XXXX XXXX XXXX XXXX XXXX, and legal remedies for damages. 





XXXX XXXX ( XXXX ) XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Its absolutely infuriating that the accounts tied up in pending litigation are still on my credit report. Ive reached out to you time and time again to address the inaccuracies, but Im getting nowhere.

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 2025-02-20 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
I am filing a complaint against Portfolio Recovery Associates on XX/XX/XXXX for falsely reporting collection accounts on my credit report as " opened. '' I have never entered into any agreement with these debt collectors, nor have they provided proper validation of the debt as required by law. 

I previously disputed these accounts with the credit bureaus under my rights provided by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. XXXXi, but the accounts were not removed. The collection agencies have failed to provide sufficient documentation to substantiate their claims. Reporting unverifiable or inaccurate information violates the FCRA, 15 U.S.C. XXXX ( a ) ( XXXX ) ( A ). 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. XXXXg ( b ), I requested validation of the alleged debt, but the collectors have failed to provide the required documentation proving that I owe the debt or that they have the legal authority to collect it. Any attempt to collect or report a debt without proper validation is a violation of my rights under the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
They are using my information fraudulently and without my consent I'll be filling a police report for identitie theft, theft by deceiving and theft by taken I demand a prof of debt validation in affidavit form under the penalties of perjury.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem making or receiving payments
Company: ROBINHOOD MARKETS INC.
State: TX

Complaint narrative:
I went and tried to transfer money from my XXXX  account and it was showing restricted on XXXX XXXX, 2024, I was told that there was information I had to submit documents I submitted all the information and was told on XX/XX/XXXX the restriction had been removed, but it still is there. I reached out several times to the company with no prevail in getting the restriction removed. They just keep sending email and not taking care of what needs to be done.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have reported the XXXX account # XXXX for fraudulent activity as I was not the XXXX to open this account. I provided an identity theft report from the FTC and I receive communication from Experian stating that an FTC identity theft-report is not official because the FTC is not a law enforcement agency. ( I do have copies of this communication that was received from Experian ) this account was reported by XXXX XXXX and XXXX as well. Both XXXX XXXX and XXXX determined that the information was not only inaccurate but fraudulent. Once I turned in the identity theft report from the FTC XXXX XXXX had the account balance at {$860.00} and XXXX had the account reporting at {$880.00} while Experian is reporting the account balance at {$880.00} due to this inaccurate information as well as fraudulent information XXXX XXXX and XXXX both immediately deleted this information off of my credit report as well as assured that this information could not be re-added to my report however, Experian is refusing to remove this account from my credit report and is continuing to report the account as verified. How can this account be verified if its being reported amongst other bureaus with different information this tells me that a proper investigation never took place failure to re-investigate this issue properly is a violation of my rights under the FCRA.

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 2025-02-20 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: IN

Complaint narrative:
I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 






XXXXXXXX XXXX XXXXXXXX Account Number : 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 2025-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to file a formal complaint against Experian regarding their handling of my request for verification concerning the XXXX XXXX XXXX account listed on my credit report. On XX/XX/year>, at XXXX XXXX, I called Experian and spoke with a representative named XXXX. During the call, I requested information about the methods used to verify the XXXX XXXX XXXX account on my credit profile. However, I was informed that Experian could not provide me with the verification methods. When I asked to speak with a supervisor for further assistance, I was told that none were available at that time. This lack of assistance and failure to provide critical information has left me feeling that my rights as a consumer are not being upheld. According to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, I have the right to request and receive details regarding the verification process used for any disputed information on my credit report. The inability of Experian to provide this information is a violation of my rights under the law, and it undermines my ability to address inaccuracies in my credit profile effectively. I respectfully request your assistance in resolving this matter and ensuring that Experian complies with its obligations under the law. Thank you for your attention to this complaint.

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 2025-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
As a final step in this dispute process, I am issuing this letter to demand immediate resolution of my credit report issues. Your continued failure to address my disputes is in direct violation of federal law.

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 2025-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
As a final step in this dispute process, I am issuing this letter to demand immediate resolution of my credit report issues. Your continued failure to address my disputes is in direct violation of federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-20 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: NY

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining 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