vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-10 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
A company has been reaching out to myself and other of my family members threatening to have me arrested and sued if I do not pay them a certain amount. Quote from message left by company : This message isn't good for XXXX XXXX. My name is XXXX and I'm contacting you in reference to a complaint that has been forwarded to my office. You would like to discuss the pending actions being filed against you. You would need to contact the office handling your file at XXXX and reference your file number XXXX. 
Another message sent to my family : XXXX XXXX So someone from XXXX XXXXXXXX XXXX XXXX left me a message and I called them back. 
Apparently XXXX never showed up for court with that civil case that she had in XXXX the one that I bailed her out and since my name was on the paperwork they called ME. They said that since she didn't show up for court there's a civil judgment against her for {$2900.00} but the lady was nice enough to tell me they will accept {$920.00} as a settlement but she has to call and promise to pay and make payment arrangements. They said this is the last attempt to reach her by phone and if they can not reach her or she doesn't call them are going to put out a warrant for her arrest. They said what she has now is called " an active order of location for XXXX XXXX '' and they said if they can not reach her they will put out a warrant XXXX XXXX will. Because her last known address was XXXXXXXX XXXX XXXX XXXX XXXXXXXX. 

When I called the number they left as a call back number a woman answered and said her name was XXXX XXXX with associate recovery law group. When I looked up the name it immediately directed me to portfolio recovery associates ( PRA ). They have been harrrasing me for over 5 years now, calling my phone and other family members pretending to be law enforcement and different companies trying to gain personal information from me such as my social security number and bank routing numbers. I have asked them for my original promissory note and have not received it. I asked them to stop calling me and take my name off of their list. Since then they have been employing scammer tactics to steal money from me but have been unsuccessful. I have disputed the debt more than 7 times because it was sold very early after being reported to my credit. My dispute has yet to reach a resolution. 

The woman ( XXXX XXXX ) who answered my phone call last time I reached out, hung up in my face after I stated to her that they were harrassing me and what they were doing was illegal. They called me from several numbers. These are the numbers they have contacted me or family from : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This letter serves as my final attempt to resolve this matter before I initiate legal action against your agency for violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). Despite numerous disputes and opportunities to correct the inaccuracies on my credit report, you have failed to comply.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-10 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Lac Courte Oreilles Financial Services II
State: CO

Complaint narrative:
The Loan was for XXXX I paid {$650.00} I can't pay more than that please stop calling me and harassing me day and night.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-03-10 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Freedom Mortgage Company
State: CO

Complaint narrative:
Previously I had complained about Freedom Mortgage Corporation and the representative wrote back and summarized I am committing Mortgage Fraud, simply by making a compliant. I requested mortgage verification and Freedom Mortgage Corporation provided verification to a home loan for XXXX XXXX in New Jersey. For obvious reasons this can not be considered debt validation for my debt by Freedom Mortgage Corporation, however they also breached the information security of XXXX XXXX which has been reported to the proper authorities. Freedom mortgage has also failed to record the assignment documentation, required within 90 days of the transfer from XXXX XXXX XXXX to Freedom Mortgage Corporation. 

Freedom Mortgage Corporation, as well as XXXX XXXX XXXXXXXX. have failed to provide the following information : I am doing a post loan audit on XXXXXXXX XXXX. Previously I had asked another person and she referred me to the legal department, however I have sent multiple correspondence to legal and XXXXXXXX XXXX XXXX  with no luck on response. Please forward this email to the correct department that may be able to assist my audit. 

Please describe the process XXXXXXXX XXXX XXXXXXXX takes to ensure proper paperwork is provided to the borrower at closing? 

Describe how XXXX XXXX XXXX ensures the notary was present during the signing of the home loan closing documents? Is there evidence of this to be true for my loan closing? 

Describe why I, the applicant of this home loan, was not informed that based on my signature and endorsement of the security instrument ( note ) the funds would be immediately available to XXXX XXXX XXXX 

Please describe the security instrument transfer and why the beneficiary is XXXX however XXXXXXXX XXXX XXXX failed to register the loan with the beneficiary? 

Please provide the properly filed UCC-1 Financial Statement on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX against I, the borrower. 

Please provide the financial statement which shows XXXXXXXX XXXX XXXX was indebted ( debit ) by the amount I paid for the property, upon my signature on the security instrument. 

Please provide the full chain of endorsements on the transfer of this security instrument from XXXX XXXX XXXX to Freedom Mortgage Corporation, current mortgage servicer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-10 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: PLS GROUP, INC
State: TX

Complaint narrative:
For the month of XXXX I did not receive my month check from the XXXX XXXX XXXX, so I contacted them to inquire about the status and was told that the check had been cashed and that they would provide me with a copy of the cashed check. 
This month they sent me a copy of the check and where it was cashed. The check for {$670.00} had been cashed at a PLS Check Cash located at XXXX XXXX XXXX XXXX XXXX XXXX 

Apparently the check had been stolen from my mailbox without my knowledge or permission and cashed. I notified the XXXX Police Department and the United States Postal Office Fraud Division and filed complaints with both agencies. I also reached out to PLS and provided them with proof that the check was cashed at their store. On the check the name they used wasn't even my name and instead of a driver 's license number they used a cell phone number. 

The company has failed to respond in any fashion to my request and will not take any of my phone calls.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-03-10 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: NC

Complaint narrative:
I formally request an investigation into these unauthorized inquiries and ask that you provide documentation regarding their origin. Please include all pertinent details, such as the name of the entity responsible for the inquiry and any records or consent forms that demonstrate my authorization for these actions. 

Since these unrecognized inquiries may harm my credit score and financial stability, I urge you to address this matter without delay. Your prompt attention to this issue would be greatly appreciated. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-10 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:
This letter serves as my final attempt to resolve this matter before I initiate legal action against your agency for violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). Despite numerous disputes and opportunities to correct the inaccuracies on my credit report, you have failed to comply.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-10 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: TX

Complaint narrative:
I am filling a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax 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. 168i, which mandates a reasonable investigation of disputes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-10 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
Several times during XX/XX/year> I've tried to pay my account online. There is an error where they have my bank account listed twice ( their error ), so I can't make a payment online. I've reported this multiple times with no resolution. Very poor customer service.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-10 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:
These items are inaccurate for several reasons. Some accounts contain incorrect details that do not match my records, while others are entirely unfamiliar to me and should not be reported under my name. Additionally, some of these items lack proper verification, meaning they have been added to my report without substantial evidence of their legitimacy. Under the Fair Credit Reporting Act ( FCRA ), all reported information must be 100 % accurate and verifiable. 

To resolve this matter fairly, I request that all inaccurate items be permanently removed from my credit report. If the reporting companies can not provide legitimate proof confirming the accuracy of these items, they must be deleted immediately to restore the integrity of my credit profile. I expect swift corrective action to ensure my report reflects only truthful and verifiable information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: OK

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and XXXX data breaches, which heightens my concern regarding the security and handling of my personal information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-10 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: TX

Complaint narrative:
Despite previous disputes and your failure to correct the inaccurate information on my credit report, this is a formal notice of intent to sue for continued violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 

Your companys repeated negligence has caused me significant financial and personal harm. If these inaccuracies are not resolved immediately, I will have no choice but to pursue legal action under the following statutes : FCRA 15 U.S. Code 1681n Civil Liability for Willful Noncompliance FCRA 15 U.S. Code 1681o Civil Liability for Negligent Noncompliance FDCPA 15 U.S. Code 1692k Civil Liability for Debt Collection Practices Violations

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-10 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: TX

Complaint narrative:
Despite previous disputes and your failure to correct the inaccurate information on my credit report, this is a formal notice of intent to sue for continued violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 

Your companys repeated negligence has caused me significant financial and personal harm. If these inaccuracies are not resolved immediately, I will have no choice but to pursue legal action under the following statutes : FCRA 15 U.S. Code 1681n Civil Liability for Willful Noncompliance FCRA 15 U.S. Code 1681o Civil Liability for Negligent Noncompliance FDCPA 15 U.S. Code 1692k Civil Liability for Debt Collection Practices Violations

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
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 2025-03-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Upstart Holdings, Inc.
State: NJ

Complaint narrative:
on XX/XX/year> I requested the following information in simple format, I did not request statements and they have failed to provide the information for me to accurately review my files.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-10 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
Back in XXXX capitol one said that the 360 savings was a high yield savings account with 4.35 % but today its at 3. % and the accounts name was changed to 360 performance savings account. I opened that account solely because of the high interest rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-10 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: SECURITY FINANCE CORP
State: AL

Complaint narrative:
I was part of a consolidation program. Security finance in XXXX XXXX XXXX  was the rudest people to ever work with. I have decided to go a different route cancel the consolidation program and pay off the loan. I called on XXXX to get amount to pay and told them I will try to call back on XXXX to pay it. I was not able to do so. I called on XXXXXX/XX/year> to pay the loan the lady who answered the phone was very rude. The same one I spoke to last week. She said you were supposed to to have this taken care of last week. I said it didnt work out so calling now to pay. Her attitude changed. Theres no reason she should be dealing with the public if shes gon na talk to people that way.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-10 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: MI

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency generates a consumer report, it must follow reasonable procedures to ensure the maximum possible accuracy of the information related to the individual to whom the report pertains.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, following a reinvestigation under paragraph ( 1 ) of any disputed information by a consumer, an item is determined to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must ( i ) promptly delete the disputed item from the consumer 's file, or appropriately modify the information based on the reinvestigation results; and ( ii ) promptly inform the furnisher of the information that the item has been modified or deleted from the consumer 's file. 

Please remove the following items from my credit report immediately : 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 explanation
Consumer complaint received 2025-03-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
This letter serves as my final attempt to resolve this matter before I initiate legal action against your agency for violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). Despite numerous disputes and opportunities to correct the inaccuracies on my credit report, you have failed to comply.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-10 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: LA

Complaint narrative:
This is my first attempt of contacting you in regards to the account XXXX XXXX XXXX XXXX XXXX listed on my consumer report. This account has me listed as an authorized user and I did not authorize this transaction with XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-10 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: LA

Complaint narrative:
This is my first attempt of contacting you in regards to the account XXXX XXXX XXXX XXXX XXXX listed on my consumer report. This account has me listed as an authorized user and I did not authorize this transaction with 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 explanation
Consumer complaint received 2025-03-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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