vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-10 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: Americas Car-Mart, Inc.
State: MS

Complaint narrative:
XXXX XXXX about payments I paid XXXX for my car every week I told them come pick it up because they wouldn't fix it also this was second car XXXX on got next day took XXXX quit on me at gastation had just left lot this deal ship doesn't care about nothing but money said it wouldn't be on my credit because they also said they sold car and sent me a letter said I supposed got remain balance I never got a dime I just want this off my credit and XXXX supposed investigatied it but want

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 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: IA

Complaint narrative:
I AM SO DEVASTATED CURRENTLY AND DEPRESSED. I recently discovered that I was listed as part of the XXXX data breach where my personal information has been exposed. My identity has been stolen and I am so sad. Please help assist me in the matter. Im seeking that my consumer rights be implemented in the FCRA XXXX XXXX ( XXXXXXXX XXXX XXXX ). As an individual whos a victim of identity theft, I have the right to request that any fraudulent information be removed from all of my credit reports. This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-10 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: United Shore Financial Services, LLC
State: WA

Complaint narrative:
We recently did an XXXX and our mortgage was sold to United Wholesale Mortgage. Most recently XXXX did some " updates '' and part of that " update '' was them removing the payment calculator option from my profile. I have called, chatted and messaged them about this issue and was told that no one is really sure what happened or it was part of the " updates '' or that a ticket will be created of which I will be notified. None of the previous has happened. 

This was a feature that was very helpful in our financial planning with a goal of paying off our mortgage in a timely fashion. However, since this feature has been removed ( which it was originally there ) that is more difficult.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: WESTERN ALLIANCE BANCORPORATION
State: FL

Complaint narrative:
Incompetente rep XXXX. 
I called to request to speak to a XXXX and the rep XXXX is rude, she is not knowledgeable and her performance is incompetent. 
Western alliance bank is asking for tons of documentation for me to change my external account. They keep asking more things each time This is ridiculous. I have several other banks and this bank is incompetent when it comes to process XXXX dont have the statement from the previous external account They have asked for XXXX different things and its an ridiculous processs, not smart process at all. Its something simple but this bank is making it difficult. 
Have someone call and email me to resolve this issue

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 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: CarMax, Inc.
State: MD

Complaint narrative:
XXXX  XXXX XXXX is in clear violation of my rights as a consumer. they failed to uphold consumer laws, regulations, practices, agreements an or obligations as outline in XXXX XXXX XXXX permissible purpose of the consumer ( XXXX ) exclusion clearly states ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. 

i did not give written instructions to furnish this account on my credit. 
i did not sign or consent to any disclosures to share my personal information, or given the opportunity to opt out of any such as the XXXX XXXX XXXX XXXX that would allow carmax to explain their information sharing practices to their customers and to safeguard sensitive data. 

carmax requested a down payment for charges that should have been included in the finance charge. i didn't have a option for gap insurance as i was told it wasn't offered to me, i was not told my i CAR insurance can or should be inside the finance, and that any such option exist the law says XXXX XXXX XXXX the amount of finance charge in connection to any consumer credit transaction should be the SUM OF ALL CHARGES. it also states the finance charge does not include charges of a type payable in a comparable CASH TRANSACTION. 


carmax has displayed misleading tactics

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: DE

Complaint narrative:
I recently reviewed a copy of my credit report. And noticed inaccurate payment history on my report. Please remove this account from my report. It is hurting My ability to obtain credit

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 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:
PLEASE DELETE FRAUDULENT NAMES ADDRESSES I UPLOADED MY CORRECT 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 2025-01-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: First Technology Federal Credit Union
State: CA

Complaint narrative:
I am currently unable to add any of my First Technology Federal Credit Union ( further below, XXXX XXXX XXXX  ) debit or credit cards to my XXXX XXXX. Immediately after accepting XXXX XXXX  XXXX, I get an error message : " Card Not Added Contact your card issuer for more information. '' Those XXXX XXXX XXXX XXXX  credit cards that I have previously added to my XXXX XXXX continue to work fine. However, if removed, they will no longer be able to be added back to my XXXX XXXX, as I have tested on XXXX different devices - my XXXX iPhones in use and a spare XXXX - and could not add any of my XXXX XXXX XXXX  debit cards to any of these XXXX different devices, nor my XXXX XXXX XXXX  credit cards to the third ( spare ) device. 

I have spoken with XXXX XXXX XXXX, only to be told to contact XXXX XXXX. I have spoken with XXXX XXXX, only to be told to contact XXXX XXXX XXXX. XXXX XXXX also has requested that I ask XXXX XXXX Fed to escalate this issue to their XXXX ( Payment Network Operator ), and I have communicated this request to XXXX XXXX XXXX, yet to no avail. The issue still stands. 

I am currently able to add most of my other financial instatution cards- multiple XXXX  and XXXX  an XXXX card, and a XXXX card - to my XXXX XXXX without any issues. However, for the life of me, I can not add any new XXXX XXXX XXXX  cards to my 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 2025-01-10 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: DE

Complaint narrative:
I obtained a copy of my consumer report and notified these agencies multiple times, specifically on XX/XX/year> the most recent I've sent out, about the items I disputed. Despite these notifications, the matter remains unresolved in a manner that is fair and equitable to me, the consumer, as required by the Fair Credit Reporting Act. I sent my notice to these agencies, which included a FTC Identity Theft Report, A FTC Affidavit and I also filed a complaint with the CFPB. Along with this letter, I have also included an Affidavit of XXXX to further substantiate my claim. 

I explained the violations your agency committed under the FCRA, while informing your agency of the fact that these items were reported without my expressed, written consent. This leads to way of identity theft, which leads to a violation of the civil liability section of the FCRA, as I informed you in the previous notices, which I have attached once more again for your record! 

This is a FINAL NOTICE to give your agency an opportunity to correct this situation or I will be forced to protect my credit rating and file a lawsuit against your agency. I have proven to your agency on many occasions that these items are a violation of the FCRA and should in fact be DELETED but your agency continues to violate me so I dont know what else to do besides suing your agency at this point. 

I have suffered emotional distress as a result of this matter and I demand this matter be resolved in a fair and equitable manner, which still hasnt been done

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-10 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Central Holdings, LLC
State: MO

Complaint narrative:
Credit Central XXXX : Debt Validation Request XXXX Dear Credit Central I am writing pursuant to the Fair Debt Collection Practices Act ( FDCPA ), XXXX XXXX. XXXX, to formally request validation of the alleged debt referenced above. Please note that this is not a refusal to pay but a request that your office provides the following information to ensure the validity of this claim : XXXX. Proof of XXXX and XXXX XXXX : The exact amount of the alleged debt, including a detailed breakdown of interest, fees, and any other charges applied. 



XXXX. XXXX XXXX : The name and address of the original creditor. 

A full itemized statement from the original creditor showing the history of the debt. 



XXXX. Chain of Assignment : Documentation showing the complete chain of assignment from the original creditor to your agency. This must include : A copy of the original signed agreement or contract between me and the original creditor. 

A contract, bill of sale, or other legal transfer of the debt showing that your agency has the legal right to collect. 

The names and addresses of all parties involved in the chain of assignment. 




XXXX. XXXX of Limitations : XXXX that the alleged debt is still within the applicable statute of limitations. 



XXXX. Authorization to Collect : Proof that your agency is authorized to collect on this debt in my state. 




Please be advised that if you can not provide the requested documentation within XXXX  days of receipt of this letter, I request that the account be removed from my credit report and that you cease any further collection efforts. Reporting unverifiable information to credit reporting agencies may constitute a violation of the Fair Credit Reporting Act ( FCRA ). 

Additionally, if the debt can not be validated, I request that any negative entries related to this account be deleted from my credit report immediately. 

I request that all future communications regarding this matter be made in writing. 

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

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Freedom Mortgage Company
State: FL

Complaint narrative:
The mortgage company will not release my insurance payment from the hurricane damage suffered. Ive provided all required documentation and they keep telling me they will send my money but never have.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: BTH Management
State: FL

Complaint narrative:
VALIDATION AND CEASE AND DESIST Collection agency XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear ( Debt Collector ) I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor. 2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 4. Proof that the original creditor securitized the debt. 5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. Please cease and desist from collecting on this debt until you have provided validation of the debt. Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 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: WI

Complaint narrative:
I was a victim of identity theft. There are inquiries on my Transunion credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are 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 2025-01-10 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: GA

Complaint narrative:
XXXX XXXX XXXX has been falsely reporting information on my Experian credit report for months and has changed the reported details multiple times. Since XX/XX/year>, I have attempted to reach out to the company numerous times to address these inaccuracies, but they have consistently declined to discuss the issue with me. 

The account in question has been on hold since XX/XX/year> due to an investigation, and I could not make any payments during this time. Despite this, they continue to report late fees, which is entirely false. 

I have made multiple attempts to resolve this matter directly with XXXX XXXX XXXX, but they refuse to communicate or provide assistance. This ongoing issue is causing significant stress and affecting my credit report unjustly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 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: NC

Complaint narrative:
I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request. 

Collection XXXX XXXX XXXX XXXX - XXXX - {$670.00} Inquiry XXXX  - XX/XX/XXXX XXXX - XX/XX/XXXX Personal Information Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XX/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 explanation
Consumer complaint received 2025-01-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: U.S. BANCORP
State: WA

Complaint narrative:
bank allowed fraud to happen, gave funds out to total strangers after wife had all cards cancelled, after cards were canceled and account wasnt touched an overdraft fee occured. when i got payed they took all of my check ( meant for rent ), except for XXXX XXXX, they also said they were cutting ties with usafter all cards were canceled.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 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: FL

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report. 

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information. 

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further 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 2025-01-10 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: FL

Complaint narrative:
This is my 2nd attempt i am interested in processing disputes for inaccuracy on my credit report an i accurate accounts thats are not mines reporting to my credit report. These accounts do not follow the FCRA rules. I am a victim of identity theft i have no knowledge of the invalid accounts listed. Please review an remove the accounts listed in the dispute to clear and correct my credit report asap

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-10 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: PA

Complaint narrative:
It has come to my attention my personal information has been exposed in a national data breach. After reviewing my credit reports, I've noticed some accounts I am not familiar with. I have asked the CRA 's for Validation of Debt, however, the information has not been provided. Due to my information being expose, I have submitted an FTC complaint reporting the information I am not familiar with. 

Please find attached a copy of my ID, the FTC complaint, a copy of the XXXX report showing my information being exposed in a national data breach and a Validation of debt letter

Company response to consumer: Closed with non-monetary relief