vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-18 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: CarMax, Inc.
State: NC

Complaint narrative:
I have about 10-11 hard inquires on my credit report from someone in Texas using my information to try and buy a car. They are using my information as a co-applicant on the loans which have been denied. I need to get these off my credit report and let it be known that someone has my information in Texas. I live in North Carolina. 

XXXX XXXX XX/XX/24 XXXX XXXX XXXX XX/XX/24 Carmax Auto Finance XX/XX/24 XXXX XXXX XX/XX/24 XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-18 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: Portfolio Recovery Associates, LLC
State: WI

Complaint narrative:
To whom it may concern, I am writing to formally dispute a debt claimed by Portfolio Recovery Associates, who allege that I owe XXXX XXXX {$680.00}. I assert that this debt is in error, as I have never utilized their services in XX/XX/year> or at any other time. 

Despite my repeated attempts to resolve this issue directly with Portfolio Recovery Associates, I have not received proper debt validation as required by law. On one occasion, I was left on hold for over an hour without resolution.

I believe this constitutes a violation of my rights under the Fair Debt Collection Practices Act ( FDCPA ), specifically : - **15 U.S. Code 1692g** - Validation of debts : This statute requires debt collectors to provide validation of the debt upon request, including the amount of the debt and the name of the creditor. 
- **15 U.S. Code 1692d** - Harassment or abuse : The excessive hold time and lack of response could be construed as harassment, which is prohibited under this section.

Furthermore, the continued reporting of this erroneous debt on my credit report violates the Fair Credit Reporting Act ( FCRA ) : - **15 U.S. Code 1681i** - Procedure in case of disputed accuracy : This section requires credit reporting agencies to promptly investigate and correct inaccurate information on a consumer 's credit report.

- **15 U.S. Code 1681s-2** - Responsibilities of furnishers of information to consumer reporting agencies : This mandates that companies like Portfolio Recovery Associates ensure the accuracy of the information they report to credit bureaus.

I request that the Consumer Financial Protection Bureau ( CFPB ) intervene to ensure that this fraudulent information is removed from my credit report immediately. This erroneous reporting has caused significant distress and potential harm to my creditworthiness.

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
I had a JPMCB credit card that was closed 2 years ago on XX/XX/2022. JPMCB is still reporting it as if it is still open and it is affecting my credit score. I thought after 2yrs this would no longer be the case. My understanding is that this is illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-18 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: NC

Complaint narrative:
I realized after reviewing my credit profile that I had some inquiries that do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-18 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: Coinbase, Inc.

Complaint narrative:
Hi i sent my XXXX token ( amount XXXX ) sent from XXXX address to coinbase XXXX XXXX  address on XXXX XX/XX/2024 XXXXXXXX XXXX  XXXX, However coinbase have stated that have not received any transaction and adviced me to contact XXXX XXXXXXXX to sort it out. I spoke earlier to XXXX  and to XXXX regarding this matter but XXXX said its not their responsibility because they supposedly sent the transaction successfully. And they recommended that i send the attached screenshot to the conversation to Coinbase. This after on XXXX of XXXX I spoked to Coinbase regarding this matter and they stated that my transaction gone to a third party and they have no idea where it is. This was my hard earned money and dont understand why both parties would have sent and accepted the transaction if it was incorrect. Surely Coinbase would have refused the transaction and returned it to XXXX if there was any problems with the transaction itself. And XXXX should have sent the money to Coinbase if there was a problem also. XXXX actually request that I have pay transaction fee yesterday so that they could sent the money to Coinbase. They took the transaction money but now my XXXX or money has disappeared. Should you required any more information regarding the transaction hash number, wallet numbers and actually chat conver With both companies, this can be provided by myself.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-05-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
TransUnion has fraudulently added an account to my credit report that is not mine, according to FCRA and consumer laws 15 USC 1681i the time to respond to my dispute has passed and it has defamed and damaged my credit.

This needs to be taken off of my credit report immediately. It is a fraudulent charge and 15 usc 1681 supports this statement

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 2024-05-18 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: SC

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.

15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy. 

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction. 

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any adverse item of information, other than records of convictions of crimes, which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) states : 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 2024-05-18 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: Affirm Holdings, Inc
State: IN

Complaint narrative:
I received an alert from XXXX credit reporting company that an unauthorized and unsecured loan was taken out in my name at Affirm , Inc. with an address of XXXX XXXX XXXX FL XXXX, XXXX XXXX CA XXXX on XX/XX/year> for {$150.00}. It is a 6 month installment loan and the only partial account number they provided was XXXX... 
I have no reason to deal with this company and never authorized any type of loan with them. No one I know is authorized to utilize my name or personal information to secure a loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: NAVY FEDERAL CREDIT UNION
State: HI

Complaint narrative:
Attempted to open a basic savings/checking account at the Navy Federal branch at XXXX, Hawaii and they refused to open the account claiming I am a security risk. 

I had to leave the premises. 

My spouse did have an account open in the past and they again refused to GIVE us our money through an ATM or release the funds to close. 

I had to fly to the XXXX XXXX Navy Federal CU to close the account and receive money. 

I wish to pen an account again for convenience without discrimination. I believe my accounts might still be open as they wanted to use old acc't numbers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: W&A Intermediate Co., LLC
State: NJ

Complaint narrative:
I had reviewed my credit report and saw a collection listed on my credit report for Wakefield and Associates. I had sent a letter to the address listed on file for their agency on XX/XX/2024 requesting them to validate the debt and as of today, XX/XX/2024 they have not responded to any of the requests in the letter. I contacted the agency by telephone and they indicated they have no information concerning the debt. I disputed the collection account with the credit burea as it is currently listed on my XXXX Credit profile and the Credit Bureau is saying the debt was verified with the collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-18 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: CCF Intermediate Holdings LLC
State: FL

Complaint narrative:
Consumer Financial Protection Bureau XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Re : Complaint Against TMX Finance XXXX XXXX XXXX XXXX XXXX InstaLoan Dear Sir/Madam, I am writing to file a formal complaint against TMX Finance XXXX XXXX, XXXX XXXX InstaLoan XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX, for what I believe to be a violation of my consumer rights under the Equal Credit Opportunity Act ( ECOA ) and the Fair Credit Reporting Act ( FCRA ). 

On XX/XX/2023, I applied for credit with InstaLoan. I received a notice of action taken, indicating that my application was denied due to the company 's inability to confirm that I am not a XXXX covered borrower. The stated reasons were either a system outage, an issue with the application, or a credit freeze. 

I believe this denial is unwarranted and constitutes a violation of my rights for the following reasons : 1. **Equal Credit Opportunity Act ( ECOA ) Violation** : The ECOA prohibits discrimination against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age, or because an applicant receives income from a public assistance program. The inability to confirm my status as a XXXX XXXX  borrower should not be grounds for credit denial if it was due to a system error or technical issue on the part of the creditor. This denial may indicate discriminatory practices or negligence in processing my application. 

2. **Fair Credit Reporting Act ( FCRA ) Violation** : The FCRA requires that credit reporting agencies ensure the accuracy and privacy of information included in consumer reports. If the denial was based on a credit freeze or inaccurate information, InstaLoan may have failed to uphold the accuracy and privacy standards mandated by the FCRA.

I request that the CFPB investigate this matter to ensure that InstaLoan complies with the XXXX and FCRA and that my consumer rights are protected. Please find attached the notice of action taken and any other relevant documents supporting my complaint. 

Thank you for your attention to this matter. I look forward to your prompt response and resolution. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-18 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: SC

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.

15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy. 

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction. 

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any adverse item of information, other than records of convictions of crimes, which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) states : 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 2024-05-18 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: SC

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.

15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction. 

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any adverse item of information, other than records of convictions of crimes, which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) states : 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 2024-05-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: CREDIT ACCEPTANCE CORPORATION
State: MS

Complaint narrative:
I volunteered repossession, I was told that after 7 years it would be cleared from my credit. I brought the car in 2012 I believe. Paid the car off but was still paying interest. It's been 10 years and this car still shows up on my credit report even after I've had it disputed.

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 2024-05-18 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: AL

Complaint narrative:
On XXXX i filed a complaint with CFPB company responded XX/XX/2023 ( XXXXXXXX XXXX XXXXXXXX ) Agreed to remove accounts from credit reports. Never Removed as agreement. Major Under FCRA 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 2024-05-18 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: AL

Complaint narrative:
On XXXX i filed a complaint with CFPB company responded XX/XX/2023 ( XXXX XXXX XXXXXXXX ) Agreed to remove accounts from credit reports. Never Removed as agreement. Major Under FCRA 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 non-monetary relief
Consumer complaint received 2024-05-18 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: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
Information sent to me when requesting validation shows discrepancies. That are being dismissed. See attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-18 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: TX

Complaint narrative:
I RECEIVED A LETTER AND PHONE CALLS FROM A COLLECTION AGENCY RADIUS GLOBAL SOLUTIONS LLC XXXX XXXX I CANCELED MY XXXX PHONE SERVICE BY PHONE AND TOLD THEM TO CANCEL MY PHONE SERVICE AS OF XX/XX/2022 BECAUSE MY HOME WAS XXXX XXXX XXXX ON THAT DATE NOW I RECEIVE A BILL FROM THE COLLECTION AGENCY THAT I OWE FOR XXXX, XXXX, AND XXXX OF XXXXWHEN I DID NOT OWN THE HOME AND SERVICE WAS SUPPOSED TO BE DISCONNECTED AS OF END OF XX/XX/2022 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 2024-05-18 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: GA

Complaint narrative:
Experian failed to do a proper investigation on an account with XXXX XXXX XXXX  and continues to report the negative close account on my report. 
I have provide a letter from XXXXXXXX XXXX that they have removed the account from my credit report but Experian continues to report it. 
Therefore experian failed to do a proper investigation with the lettter dated from XXXX is XX/XX/year>.

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 2024-05-18 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: NC

Complaint narrative:
I realized after reviewing my credit profile that I had some inquiries that do not belong 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 non-monetary relief
Consumer complaint received 2024-05-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
on XX/XX/2024 i submited a dispute to Credit Bureaus About XXXX XXXX Account an disputes has been under review status for almost 2 months which violates FCRA guidlines.

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 2024-05-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Capital Accounts, LLC
State: DC

Complaint narrative:
I was informed of identity theft in XXXX and froze my XXXX credit bureau accounts. I checked my credit reports then and didnt see any suspicious activity in XXXX. However, I was notified on XX/XX/XXXX that my XXXX XXXX XXXX dropped from mid XXXX to XXXX which was XXXX points drop! I checked for the reason and see suspicious activities and most importantly a collection called Capital Accounts LLC trying to collect {$930.00} for XXXX XXXX XXXX XXXX XXXX. I called Missouri XXXX XXXX and turned out that I had a XXXX there in XXXX. However, I paid about {$650.00} there as my portion and was assured that that was what I owe. Their explanation is that I owed additional about {$650.00} because my insurance rejected to pay their portion. However, I was never informed of this. I never received a call or anything in the mail saying that I still owe money to XXXX XXXX XXXX or that the insurance didnt pay anything. I moved to other State XXXX years after the service in XX/XX/XXXX, and I had my XXXX XXXX delivered to my new address through XXXX for about an additional year. I never received anything about this. I asked them to email me what has happened and havent received anything. I tried to dispute it through XXXX and they want a FTC report to proceed. The question is why they didnt bill me for the right amount at the first place if I owed more. I have never missed a bill and paid them right there on the day of service. Why should this happen after XXXX years in XXXX right when I am in the middle of an identity theft. I believe this is fraudulous and shocking. I cant afford this. A XXXX point drop in my XXXX XXXX is huge for me as I am trying to buy a house in a couple of months! My XXXX XXXX has never been this low. I have been spending so much time on calls about this identity theft issue and suspicious activities in my accounts. The question is why my identity was breached. I was subject to XXXX breach in XXXX but never got a logical response from them. I have been calling them again these days and they sound very irresponsible.

Company response to consumer: Untimely response
Consumer complaint received 2024-05-18 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: Maximus Federal Services, Inc.
State: GA

Complaint narrative:
I was a part of the XXXXXXXX XXXX XXXX XXXX lawsuit and XXXX loans are still on my credit report. When I call the department XXXX XXXX, aidvantage and XXXX, nobody knows anything and I'm sick of it. According to the following : " XXXX will request that all major XXXX credit agencies remove any negative credit events on my credit report that XXXX reported from XX/XX/XXXX to XX/XX/XXXX in connection with accounts receivable and/or loans it issued to me or amounts I might owe to XXXX As long as I was in the settlement class, XXXX will request the XXXX issued loans or other money WILL BE DELETED from my credit report, '' XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, etc al.

Company response to consumer: Closed with explanation